davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-24
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: SUNTRUST BANKS, INC. (NV)

I live on the west coast. SunTrust bank repeatedly calls me ( multiple times per day ) before XXXX. This morning they 've called me twice. Once at XXXX and once at XXXX. Surely thy ca n't wake me up like this. I have to work. I 've told them for years to stop. They said it 's automated and there 's nothing they can do. How is that legal? They 've harassed me this way for years.
Consumer complaint received 2015-10-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I have applied for a modification with my servicer Wells Fargo and was denied due to not making enough income. At the time of the denial I was making XXXX and my wife XXXX with a total of XXXX, my mortgage payment is {$1900.00} which would be a ratio of 18.15 % which to my understanding from my Investor " XXXX '' that would be too much income for any Government modification ( needs to be over 31 % ). However, I was denied due to not enough income. I need to inform you that I have XXXX credit card and automotive debt, it is just my mortgage payment and household bills. 

In the meantime of going back and forth with Wells Fargo, I XXXX XXXX lost my job and my wife XXXX XXXX actually got promoted. As you can see the income has changed yet again and when I tried to inform Wellls Fargo and re-apply they informed me that I need to make {$15000.00} per month to qualify for assistance. If I was making that amount I would not be delinquent, let me remind you {$1900.00} is my mortgage payment and balance is {$260000.00} and I am now delinquent abut {$48000.00} which is a total of {$310000.00}. My new household income is {$5200.00} which would put my ratio at 37.87 % and according to my Investor would be good for a modification. I ca n't get Wells Fargo to review my account or have them look at the new figures, when I asked what was the debts used due to the possibility that they could have transposed some numbers incorrectly I was told that they do n't have those numbers. 

I just need help saving my home and Wells Fargo is stonewalling me for some reason. Please help me save my home. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (VA)

While many companies help people during this pandemic, this lender ( Mr Cooper ) over charges people. I did refinance/closing on XX/XX/XXXX and then called Mr Cooper on the same day and talked to an agent and cancelled my auto-payment on XX/XX/XXXX since the agent told me that Mr Cooper won't charge me for late fee ( he said system automatically refund {$200.00} after auto-charge {$200.00} as late fee ). Also, the agent has left a note on my account that I would pay off on XX/XX/XXXX. In addition, the voice call on XX/XX/XXXX has been recorded by Mr Cooper. 

After paying off on XX/XX/XXXX, Mr Cooper has charged me {$200.00} as late fee. I contacted Mr Cooper several times and talked to some agents and a manger and even sent an email to their research team, but they have not addressed the issue.
Consumer complaint received 2018-02-02
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (MI)

This is a formal complaint against MERCHANTS & MEDCAL located in XXXX, MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2018-06-07
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. (CA)

I disputed a bankruptcy with XXXX and Transunion. XXXX removed it but XXXX and Transunion refused to.
Consumer complaint received 2021-09-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-09-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I've been repeatedly disputing this account with Experian and XXXX, and I do not believe they have conducted a proper investigation into this account. I have also disputed this account directly with the collection company as well. It is my understanding that the FCRA states that an account that is in dispute can not be reported. It is also my understanding that the credit bureaus have 35 days to conduct a reasonable investigation, and I have waited that time period out several times, without anymore than a verification of the account. They have never told me how they verified it, why they did, or any of the information that they collected during their investigations. I am entitled to information. I am entitled to a reasonable investigation. I am entitled to these things within a timely manner! Please help me!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (TX)

verify data for this account request to be provided proof of this item specific proof about ownership of debt, by consumer protection law if unable to do so lacking proof remove account from my credit report XXXX XXXX XXXX Inaccurate Address on account, no knowledge of account/not mine
Consumer complaint received 2022-09-09
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. (TX)

verify data for this account request to be provided proof of this item specific proof about ownership of debt, by consumer protection law if unable to do so lacking proof remove account from my credit report XXXX XXXX XXXX Inaccurate Address on account, no knowledge of account/not mine
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (NY)

I joined coinable early when it was relatively new. I was a bitcoin investor and miner. I would mine bitcoins and send my earnings automatically to coinable and I would use coinbase to buy bitcoins. One day my account was banned and I was given no explanations no amount of time I contacted them.
Consumer complaint received 2019-03-07
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: EQUIFAX, INC. (KY)

This collection that wasn't even supposed to be mine is reporting to two different creditors with the same account number. I just paid it to resolve it on my credit but instead they have it labeled twice on the credit report and it is wrong. It should have never been mine but I just paid it because I thought that would help my credit because I don't have the time to look into it. Instead they reported it as two trade lines with separate companies which is wrong. On top of that, they didn't even put it in a dispute status when I disputed it with them.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (TX)

I had 4 accounts I rarely accessed. They are more or less " holding accounts '' for renter deposits. I am required to have these accounts. I was told at BBVA that there was no management fees associated with the accounts if I set up auto transfers on the accounts between a savings account and a checking account, which I did. I opened the account in XXXX XXXX. I was never informed that PNC was actively purchasing the bank. 

When my renter moved out in XXXX I tried to access the account to retrieve the funds and was then notified that BBVA was purchased by PNC. I was not told of this during a prior date or at the time of opening the account at BBVA. 

I went to the local branch to sort out the issue and retrieve my new account numbers. Of the four accounts, they could only locate one crossover account. I was told that the account balance was now $ XXXXI asked for my account closing statement at BBVA and they said they would have to look that up and to come back at another time because they didn't have access to it. They said they would not refund my money, despite never opening or opting into a specific account with management fees at PNC. They drained one account with management fees. They could not provide account numbers for the other three and could not tell me if or why the other three PNC accounts had been closed or where the money in those accounts went. 

I was then told that nobody else had this issue during the crossover. That I was " mismanaging '' my accounts and it seemed like they thought I was deserving of losing 3 accounts money and the associated history of those accounts and $ XXXX dollars in the one remaining account that they were able to produce a PNC number and account balance for.
Consumer complaint received 2019-03-07
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Creditor : OneMain Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

Had a chapter XXXX bankruptcy case from XX/XX/XXXX. A Motion to release from stay was filed for nonpayment and a consent order was granted. This case was dismissed due to other issues XX/XX/XXXX. XX/XX/XXXX a new case was filed and the post petition payment was due XXXX XXXX, XXXX. The payment was made on XXXX XXXX, XXXX and cleared my bank on XXXX XXXX, XXXX. XXXX XXXX, XXXX Called in to Wells Fargo to make XX/XX/XXXX 's payment and was told that I owed for XX/XX/XXXX. This repeated for three months. They have refused to acknowledge or properly post my payment. They are threatening to filed a motion for relief when they have my payment. I want them to post my payment and properly and accurately post a status. The confusion may be of the dismissal of one case and the quick refile of another however I have communicated to this with documentation at least twice.
Consumer complaint received 2022-01-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

XX/XX/XXXX - {$8000.00} loan taken from Wilshire Consumer Credit with the terms of 48 monthly payments. 
Last payment paid on XX/XX/XXXX. 
When asked to return my title, XXXX said I still owned them {$9200.00}, generated from late payment interest which is never disclosed to me in my monthly statement. 
They offered to rewrite another loan, and threatened to repo my car. 
When I researched on the internet I found out there is a case exactly like mine posted on the news and XXXX. Due to the involvement of the media and XXXX  the vehicle is returned to the owner and all the fees are waived. 
Here are the link to the video XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-09
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: TD BANK US HOLDING COMPANY (CA)

Hello, Ive paid off a car that was a total loss and I was forced by td- auto finance to pay the remaining balance off in 30 days and I paid it within the 30 days. I waiting a couple months to see if they will take it off showing I paid in full but they reported as a charge off which isnt because I paid it off before the 30 days were up. Ive already made an report to each credit bureau about this and only one of the credit bureau was resolved but the others havent. Its been more than 30 days and I need it resolve so I can buy a house. They will next finance me for money until thats cleared. I also called TD auto back and they told me it was their mistake and they will take it for me and its been over 30 days still with no updates. I also have a letter from TD auto stating the car is paid off in full so it shouldnt be a charge off.
Consumer complaint received 2019-03-07
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. (TN)

Transunion is incorrectly reporting a collection for the XXXX of XXXX XXXX, partial account number XXXX. I contacted this utility directly and provided them with the necessary information so they could look up the account. They did not show any record of my ever having an account with them, and they verified I did not have any outstanding balance. The information on my credit report is in error.
Consumer complaint received 2022-08-11
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX CO XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Date : XX/XX/2019 Issue : Experian - Customer Services, no live person to discuss a freeze dispute. Need help to resolve a security freeze ; I dont want to remove it but the freeze is not working. Experian does not have a number to resolve this. The website for customer services -- the page is not found. Companies are able to review my credit even though I have a credit freeze.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (DE)

I disputed an item on my XXXX file " XXXX XXXX XXXX XXXX '' because it was outside federal obsolescence. The status was " current '' and it was " Paid after foreclosure started ''. I have attached two images ( XXXX and XXXX ) showing this status as of XX/XX/XXXX. ( Account number listed XXXX ) After disputing the item, XXXX changed the status to " charged off ''. I have included the images ( XXXX and XXXX ). An item can not be paid after foreclosure and current in XXXX and then become a " charge off '' in XXXX. This is an example of willful negligence ( as provided in the Fair Credit Reporting Act ) on the part of either XXXX or on Wells Fargo Mortgage. 

I AM FILING THIS AGAINST XXXX XXXX XXXX XXXX BECAUSE THE FAIR CREDIT REPORTING ACT ( SECTION 623 ) PROVIDES THE SAME REQUIREMENTS FOR REPORTING ON DATA FURNISHERS AS IT DOES FOR REPOSITORIES. 

It is quite apparent that someone at XXXX XXXX XXXX XXXX is manipulating the status of this account to purposely reflect in a more delinquent status to artificially lower my credit scores. This is clearly WILLFUL NEGLIGENCE. 

I want this item removed from my file or I will seek punitive damages as provided in the federal law.
Consumer complaint received 2015-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (FL)

Moved from an apartment that I lived in XXXX, Fl. Companies name was XXXX XXXX and I was laid off of my job and rent was more than unemployment gor the month. I wrote them a letter expressing my concerns and got no response I moved out XX/XX/2014. I put down a {$1500.00} deposit when I moved in they took that and said i owed for {$1700.00} misc. Things that were not true. I tried calling the company to show I left the apartment in mint condition. All they sent me was the lease. I have made numerous attempts to get this off of my credit because its the only collection I have. I am looking forward to buying a house and I need this removed.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :