davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
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. (OH)

Transunion, XXXX, XXXX was sent a dispute letter which I have included in this complaint. They failed to remove ... past repossessions, doctor bills, or bills that have reached there statutory limitations.. old addresses, old jobs Hard inquiries They refuses to comply with federal law!
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MORTGAGE CENTER, LC (MI)

On XX/XX/XXXX Mortgage Center foreclosed on my home. They've been reporting me as being late each month instead of being foreclosed. I contacted XXXX  and opened a dispute in which it now shows a XX/XX/XXXX date instead of the correct date.
Consumer complaint received 2017-02-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: United PanAm Financial Corp. (NY)

In XX/XX/XXXX I purchased a XXXX XXXX XXXX through XXXX XXXX XXXX and obtained financing through United Auto Credit. After countless repairs and mechanical issues with the truck, I attempted to trade it in. At that point I was informed that the vehicle was only worth a few thousand dollars due to being deemed a total loss. 
Not only was the truck salvaged, but it included airbag deployment. 
I contacted United Auto Credit in XX/XX/XXXX regarding this issue and confirmed they they do not finance salvaged vehicles. After a lengthy conversation with XXXX of the superviosrs I forwarded them the supporting documents. The contract was entered into under terms that are fraudulent. Which voids the contract entirely. I put down XXXX on a vehicle that was sold to me for XXXX. I 've also invested a year worth of payments into something with no equity at this point. I 've continued to contact them regarding the lien release that needs to be sent so that I can move out of this vehicle but have gotten no where. I was advised that the account is with the Fraud dept, with no results. I also spoke with dealer compliance who was supposed to contact me and has n't. I do n't want this to impact my credit and I do n't feel like I should continue making payments on a cpontract that has been voided out.
Consumer complaint received 2016-10-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NJ)

I have a few school loans that are ( XXXX ) closed out on my XXXX Credit report that I would like to remove off of my report. The reason why is because I 've filed bankruptcy XXXX, 2015 and these loans have been closed and they 're still sitting on my report hurting my score.
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (NV)

I took out a loan last year through a company called XXXX ( loan originator ). The name of the loan was a " Borrow and Grow '' plan. The way the account worked is that once I paid the loan off in full, Iwas to receive my savings account balance upon payoff which as of today is {$1800.00}. XXXX sold my loan to SST in XX/XX/XXXX, and SST became the new servicer of my loan. I paid SST in full on XX/XX/XXXX via ACH debit in the amount of {$2700.00}, this payment paid off my loan. So about 3-5 days later I called SST to request that SST release my savings account funds. The rep took all of my information including checking account number, and routing number and told me that within 10-15 days I should receive an ACH deposit of my savings funds which is being held by a bank in New Jersey called XXXX XXXX XXXX . The deposit has not happened, so I called a couple more timesand was told that it could take up to 21 days and I should receive the funds soon. Well I have not received anything. When I call I can't speak to anyone in the United States. I have to speak tooverseas call center reps that don't even work for SST and a supervisor is never available. I want XXXX XXXXXXXX XXXX to release my savings funds.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (AZ)

I have been struggling to close my account with goldmansachs XXXX account. I have been lied to transfered to departments that state they have not received documents and informed to resend documents even though the document department confirms receiving them. I have multiple tracking numbers confirming they have documents and they are properly filled out. I have been told I will get call backs and have a tracking number sent to me. I'm XXXX and my wife died last year I my home. This is not helping me to heal. I have been lied to and told that they can not send a XXXX and I can print XXXX from online. I did so and was told it was the wrong document. Upon calling back another representative said they can send me a XXXX as they have sent me a XXXX when I first called them. This has been a disgusting back and forth of deception and refusal to close the account. Reps have been rude with no empathy and placing me on hold just to be told something that does not help to close the account. I have spoke to managers or people claiming to be. This is an online only account and the fact that they refuse to properly close the account is aggravating. It has been almost a year since my wife 's passing and still no resolution. This company does not deserve to have an online only banking if this is how the treat customers. I was also told they would expedite send me a check. When I call back they change verification methods to further frustrate me. I have never been treated so horrible in my life. I believe this is mentally and emotionally unacceptable. I'm am still waiting for a resolution and a call from goldmansachs even after calling constantly or giving them a week between interactions.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Hi, I sent a dispute to Experian to remove incorrect names, addresses, phone numbers, employers, and hard inquiries on XX/XX/2021 via certified mail. Based on the tracking number Experian received this dispute on XX/XX/2021. I received a response from Experian, but not all incorrect information was removed so I sent a follow-up request on XX/XX/2021. Based on the tracking number Experian received this on XX/XX/2021. As of today, Experian still has not fully removed all of the incorrect information. At this point this needs to come off my credit report. I am now seeking legal counsel. Please advise asap. I want the corrections to be made on the credit report. The only name, phone number, and address that should be reported on my report are as follows. XXXX XXXX XXXX, ( XXXX ) XXXX, and XXXX XXXX XXXX XXXX Fl XXXX. You will find five attachments. Two attachments are the actual disputes. One attachment is the sent dispute certified tracking receipts for XXXX & XXXX of 2021. Two attachments are the confirmed delivered receipts for each dispute. Experian has not responded. I would like this incorrect and inaccurate information removed from my credit report immediately. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2016-09-23
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

Wire transfer done on XXXX ' 2016 coming from an XXXX customer, was deposited into the wrong account number and for the last 3 weeks I 've been dealing at different levels with Wells Fargo Bank and nobody seems to know where the money is or when it will be returned to the sender for initiating another transfer.
Consumer complaint received 2016-09-28
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (KY)

I am relocating to California and apply for a loan of {$800000.00} to buy a primary home there. Wells Fargo is one of the lenders my relocation company uses. I submitted my application and needed documents a month ago ( XXXX XXXX, 2016 ) and still do not have an approval from it as of today. Its slow response and service level is UNACCEPTABLE. I also discovered yesterday that the loan officer misled me when he was quoting me the rate. There is no discount point to be paid under current market condition according to my relocation company, but he told me that a XXXX point discount is provided. Had I continue the path with Wells Fargo, I would have to pay {$16000.00} fee at closing. It appears that Wells Fargo has a bunch of incompetent people. For your reference, my loan consultant is XXXX XXXX XXXX ( XXXX ID XXXX ) at Wells Fargo Home Mortgage, XXXX XXXX XXXX XXXX XXXX, IA XXXX
Consumer complaint received 2015-12-05
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CA)

My problem is with Citibank credit cards ; in particular, it is about paying a Citibank credit card with a XXXX XXXX checking account. To clarify, I have XXXX Citibank credit cards that I tried to pay : a Citi Forward card and a Citi Double Cash card. In XX/XX/XXXX, I changed the bank account that I use to pay for my Citibank credit card. The bank I had previously used was a Citibank account, but I switched to a new, XXXX checking account. I verified this new bank through Citibank 's online verification process, and I was able to pay other, non-Citibank cards with this XXXX checking account. However, when I paid my XX/XX/XXXX Citibank credit card bills, my payment was rejected, and I was charged a " return check fee '' by Citibank. This meant that my payment was late and a late payment was most likely reported to credit bureaus, even though this checking account had been used to pay off other non-Citibank credit cards. When I called Citibank, they told me that they had tried to access my XXXX checking account, but that XXXX had told Citibank that my checking account was frozen. However, when I called XXXX, they had no record of Citibank ever even trying to access my checking account, and they confirmed that my account had never been frozen before. As such, I called Citibank back and asked them to send me proof that they had tried to access my XXXX checking account and gotten a " frozen '' response back from XXXX. It took them weeks to get me the letter of proof, and when it arrived, it did n't have any information about a XXXX checking account or anything I could show to my XXXX Bank to get to the root of the problem. At this point, I do n't know where to turn, because it seems like Citibank had an error on their part that made them unable to contact my bank, and they 're blaming me for that error.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX. Contacted Transunion about the inquiry issue on my credit report. Customer service won't take care of it. 

I did not make any inquiry for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-08-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Loan with Wells Fargo. It is best to read all the letters that I will attach with this complaint to get a better idea of all of the the things they have done. Basically, they offered me a loan modification, went thru the 3 test payments then when I received the actual terms in writing they were not what was promised. This violated XXXX. Civ. Code Section 17770, et seq. & the case of XXXX v Wells. It was also a bait and switch. In fact, I would eventually be paying 2 % higher than I am currently paying. After I turned them down they started a pattern of harassment. They would constantly call me for payment, which had already been sent & cleared my bank. I hired an attorney who sent them a rep. letter. Yet, they continued to call in violation of the FDCA. Their next tactic was to arbitrarily change my escrow payment re property taxes. they wanted to charge me over {$200.00} more per month then they came to despite being given the actual tax bill. Then for some strange reason they stated they had " unapplied '' funds of mine for over {$2500.00}. They never explained why. They then arbitrarily changed the name on my statement from my name to my attorney. That has hurt me in trying to refinance since the statement is not in my name. My attorney wrote them to have them change it back to my name and they responded that as long as I am represented they ca n't do that. My attorney tried to settle the case with a proper loan mod. Their response was that I had to apply again. I did. And of course, they turned me down for no proper reason. The most recent tact is all of a sudden they sent a letter saying I am over {$8000.00} in arrears, plus another {$1300.00} in late fees. Now, they subtracted the {$2500.00} in " unapplied '' funds saying I am in arrears {$7000.00} in arrears and they are ready to start foreclosure proceedings. This all despite the fact that I have made every monthly payment & have the canceled checks to prove it.
Consumer complaint received 2023-06-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TX)

The lender is claiming that I did not pick a fixed rate and when asked to provide signed documentation they can not do so. I have called a variety of times and they tell me there is nothing they can do for me. My payment is currently {$1200.00} and that is more than my mortgage payment and is causing me to struggle with other bills along with causing XXXX
Consumer complaint received 2022-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TN)

Sequium Asset Solutions , LLC Is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Sequium Asset Solutions , LLC. Is in violation of 15 USC 11692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Sequium Asset Solutions , LLC. is in violation of 15 USC 1692 ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Sequium Asset Solutions , LLC. Is in violation of 15 USC ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Sequium Asset Solutions , LLC, Inc has failed to provide me with proof that I owe a debt. I do not want to see statements, I want to see actual proof that I owe thjs " alleged '' debt to Sequium Asset Solutions , LLC. There is no contract Ive signed with them or accounting ledger. According to 15 USC 1681 Section 602 States I have the right to privacy. Sequium Asset Solutions , LLC has no right to report any information onto my credit report without my written consent according to 15 U.S.C 1681 Section 604 A Section 2.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB Ref : Hard Inquiries on my Credit Report Date : XX/XX/2023 Name : XXXX XXXX  Location : XXXX XXXX XXXX, XXXX, OR XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual Date : XX/XX/2023 Name : XXXX  XXXX Location : XXXXXXXX XXXX XXXXXXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual These inquiries were not authorized by me, and I have no knowledge of any interaction or application with the aforementioned entities at the specified dates. As such, I request the immediate removal of these unauthorized inquiries from my Transunion credit report. 

I understand the importance of accurate and fair reporting in maintaining the integrity of credit profiles. Therefore, I kindly request that you investigate this matter promptly and take necessary action to rectify these errors. 

I appreciate your attention to this matter and your prompt action in resolving it. 

Thank you for your cooperation and prompt attention to this matter.
Consumer complaint received 2017-01-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

The company has been contacted many times about these medical bills which are n't mines. I have reached out to the company many different times and advised of these not being my debts the have stated that this is my debt and they will not adjust it although they have sent me notification of the debts being adjusted on other accounts which I have disputed as not being mine. The accounts are XXXX for XXXX date of service XX/XX/XXXX ; XXXX DATE OF SERVICE XX/XX/XXXX FOR XXXX ; and account XXXX for XX/XX/XXXX
Consumer complaint received 2015-06-08
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I have a 35 year old CD ( Issue date XXXX XXXX, 1980, initial deposit amount of {$200.00} and 12 % a year ) and I need help accessing the funds. The CD is in my great grandfather and great grandmother 's name ( XXXX. XXXX or XXXX XXXX XXXX ) and the issuing bank has been acquired multiple times in the last 35 years. The initial bank was XXXX, according to the FDIC 's website, after a string of acquisitions, the current institution is HSBC Bank USA , National Association. Please contact me with the best possible action to take to get access to the funds. Thank you.
Consumer complaint received 2022-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (WA)

In XX/XX/XXXX, XXXX XXXX transferred my loans in the amount of approx {$12000.00} to XXXX. 
My loans were then consolidated through XXXX XXXX XXXX. 
On XX/XX/XXXX I received an email from XXXX XXXX XXXX that my loans were consolidated to the amount of approx {$14000.00}. 
I made monthly payments on time from XX/XX/XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I received an email from XXXX saying my student loans were paid in full but I did not see this email as i was limited in my access to internet at the time. 
In XX/XX/XXXX XXXX XXXX XXXX sent me an email to inform me that my account was being assigned to XXXX XXXX XXXX. 
In XX/XX/XXXX I received an email from the XXXX XXXX XXXX regarding the the shut down of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have recently reviewed my credit report and there are closed accounts from XXXX, listed as paid in full. However, there are accounts from the XXXX XXXX XXXX XXXX that are listed as closed, but also continue to post as past due and in collections currently. 
I am unable to find my account or log into the student loan aid website. I am currently waiting for their account recovery team to find my info. 
XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have all now been sued and student loans are being cancelled as part of the settlement. And yet, my credit continues to be negatively impacted as a result of very poor handling of my loans on the part of my lenders, processors and debt management companies. I have had XXXX success attempting to contact any agency regarding my loans to attempt to untangle the mess they have made out of my loans. The education I received was sub par and was useless in entering the field it was specialized in. I have done XXXX work in that field as a result. I am a resident of XXXX  XXXX and would like to be included in the settlement against XXXX. 
Also between the years of XXXX and XXXX I received hundreds of emails from third party companies regarding my student loans and offers of forgiveness or lower fees. It was quite overwhelming and caused me to miss some very important emails regarding my student loans that would have raised my suspicions about the fact that I was being scammed months, possibly years sooner than I finally did.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

On XX/XX/21, Coinbase.com temporarily suspended my account due to concerns of hacking activity. They promised to get back with 4-5 business days which is now past without any communication. Ive emailed them countless times, filled out customer service notes, tried to get their attention on XXXX, XXXX, nothing. They dont even acknowledge my messages. This is my ticket number # XXXX.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Consumer complaint received 2023-05-31
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: Grain Technology, Inc. (NY)

I need clarification as to why you are reporting inaccurate information on my credit report. Please review the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX A collection is by default late and past due. 
Delete this account due to inaccurate reporting. 

After you have finished with my request, send me a copy of my updated credit report reflecting these changes.