davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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: Early Warning Services, LLC (AL)

I have disputed and provided police reports reporting of unauthorized inquiries my data was breached in XXXX and XXXX and XXXX reporting innacurate accounts and unauthorized inquiries accounts opened not under my name also unknown refuses to apply federal law
Consumer complaint received 2017-01-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CT)

I had an unsecured personal loan through Wells Fargo that had a predatory interest rate of ~21 % that I used to refinance credit cards. After waiting several months for my credit score to improve from paying off the cards, I went to reapply for another loan that I could use to pay off the original. 

I was approved for a loan with an interest rate that was half of what I was paying before. The amount was greater, but I had expenses that I was about to incur that it was going to be helpful to offset. 

After I signed the paperwork, Wells Fargo immediately discharged {$1200.00} to themselves ( agreed upon in the loan documents to go to a credit card I have with them ), and then paid off the original unsecured loan. 

I waited several days ( t+4 ) and still had not received the disbursement that was due to me ( roughly {$3200.00} ). After contacting Wells Fargo MULTIPLE times, someone got back to me letting me know they credited my account for a {$170.00} over payment of interest. They were n't even going to tell me about this over payment, but apparently they believed that this reimbursement of {$170.00} would compensate me for the loss of {$3200.00} I sent several more inquires explaining the loan documents and monies and how they were agreed to be disbursed. I have yet to hear anything back and it is now t+7 business days ( t+12 days ) and I 'm now looking for some way to come to a resolution, because clearly the bankers at Wells Fargo ca n't process basic maths.
Consumer complaint received 2020-10-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$760.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account.
Consumer complaint received 2015-05-01
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Windham Professionals, Inc. (NY)

Wyndham Professionals disclosed amounts owed on loan to party not affiliated with loan or non-account holder. Disclosed amounts owed, settlement options, and communicated delinquency status with non-account holder.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-16
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: Nelson Cruz & Associates LLC (SC)

yes, I have contacted the company to get information on how they got my information when I have not entered into an agreement with their company I ask them to send me a validation of the debt and I have not received anything from them.
Consumer complaint received 2016-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Solutions To Portfolios, LLC (VA)

I have received multiple calls from multiple people claiming to be from STP Management saying they are attempting to collect a debt. I have twice asked the person on the phone to send me via US Mail the paperwork connected to this debt and when asked they become hostile on the phone. Today I received a call from the listed number saying his name was XXXX and his message was somewhat threatening in tone, like mafia like threatening. This company is listed all over the web as being a scam or operating a scam and someone needs to look in to this.
Consumer complaint received 2015-12-07
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OR)

after being sent the security note paid in full the bank refuses to give full disclosure on all accounts being dispersed from including what is known as XXXX XXXX XXXX XXXX aka XXXX XXXX roadroad. this was provided in the recent communications with XXXX XXXX XXXX of the funds used to pay for XXXX XXXX XXXX XXXX XXXX Washington XXXX, financial responsibility is to the lender for acceptance of the funds withheld and transferred and fraud {$130000.00}, based on the acceptance of this one Wells Fargo home mortgage and Wells Fargo are 100 % liable for this bonded transaction secured by the indebtness in trust by and through Wells FargoFargo as an example this has happened numerous times to XXXX XXXX and the bank is aware that 's were the disbursement of funds took place a cover up.
Consumer complaint received 2020-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I XXXX XXXX paid my last collection today that was a debt sold to Portfolio Recovery Associates. The debt I paid off on a negotiated  settlement was originally owned by XXXX, XXXX, and the timeline for a legal collection purpose existed. However, upon a discussion with Portfolio Recovery Associates with my attorney on a conference call with me, it was determined that another collection that was originally  owned by XXXX XXXX Nevada, NA actually defaulted back in 2012. So it was determined that Portfolio Recovery Associates acquired a debt that was not valid. Accordingly, this collection should have never been reported on  any credit bureau. Therefore, I respectfully request through the Consumer Financial Protection Bureau that this item be removed from all credit bureaus immediately and permanently. XXXX XXXX
Consumer complaint received 2016-10-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TN)

I financed a car through Wells Fargo Dealer Services XX/XX/XXXX. The car that I purchased was wrecked and totaled XX/XX/XXXX. I informed Wells Fargo of this and was advised that would freeze my account and all I had to do was wait for insurance company and Gap to pay off car. XX/XX/XXXX after Wells Fargo sent false information to the credit bureaus stating that I had not made a car payment since XX/XX/XXXX. I called Wells Fargo and they denied this in the beginning. Then they stated that since Gap insurance ( a subsidy ) which is affiliated with their company covered all except {$800.00} that put me in default on the loan and showed where I have not paid. I advised Wells Fargo this is not what I was told, I was told that I would be okay and my credit would not be affected. I sent information into Wells Fargo and was told that it was my fault and problem and there 's was nothing they could do to correct it because I did n't pay. I have sent several email as well as reported this institution to XXXX. Wells Fargo has reported to every bureau stating that I defaulted on the loan since XX/XX/XXXX and this has been reported every month up until XX/XX/XXXX. Wells Fargo stated they called me on XX/XX/XXXX and advised me of the default and I told them that is not true and I do n't like being lied on. I also said since you 're stating you called me pull the call because calls are recorded so pull the call. Wells Fargo have lied and destroyed my credit as well as my credit score. They try to attach a document showing where my insurance had lapsed in XX/XX/XXXX with XXXX but failed to mention that I was paying insurance through them which paid the car off. The car has been paid off yet they are still reporting that they have n't received payment. I advised them that I wanted this corrected on my credit report because this is not true, I never missed a payment. I also shared with XXXX that i was unable to get into my account after I reported that the car was wrecked and Wells Fargo said it was because I was in default and therefore I could not see any information regarding my account. This institution is very corrupt and I told them I will fight this because they lied to the credit bureaus and they are lying stating I was informed and advised that I would default on a totaled car while waiting for insurance pay off if I did not make payments. This is unacceptable and this is a practice that they are accustomed to doing. They provide false information and then blame the consumer. I would advise everyone to steer clear of this banking institution because they have no morals. They are very devious and deceptive with customers and they report false information.
Consumer complaint received 2020-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am submitting my complaint to HSBC USA in lieu of an account  closure letter I received from them dated XX/XX/2020 without indicating the reason for such act. I have been a customer of this bank for 3 months and opened the account at the branch in XXXX XXXX  XXXX on XX/XX/2020. I believe my account was in good standing ever since with no record of any illegal or fraudulent activity. Firstly, I felt such initiative was absurd and unbelievable. I have read stories on the Internet about people who experienced this action from the bank ( HSBC USA ) without any explanation of why such account is to be closed. May it be personal and business accounts, they close accounts randomly without informing the actual reason. Secondly, numerous former customers of this bank shared their anger and frustration as to why their accounts were closed by this bank on an online forum. The action taken by HSBC USA is very inequitable and  vague. I opened the account at the branch to build a financial relationship with them and in good faith. However, all is lost for good is what I get. I am requesting that the bank will reinstate my accounts as soon as possible.
Consumer complaint received 2015-05-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: J.S Resolution Group, Inc. (SC)

I was contacted by a representative from J. S. Resolution, saying that I owed a debt that was several years old. I had never heard of the payday loan company. They claimed they had the check, and it would be returned to me once I made the payment.The representative was rude every time I spoke with him. I was trying to get as much information as possible to make sure I was doing the right thing. Now that I have paid it, he said that the judge has the check, and I opt out of getting it back because I did n't take it to court. What proof do I have that this check would not come up again, he did n't have an answer, and became exdtremely rude. Because I called back and questionsed him, was I guess another reason for his rudness. I paid it. I just want proof that this same check does not come up again. If I have done wrong, I took care of the matter. Because I asked questions is no reason for the rude behavior. He was uppose to be a professional.How do I get the check back?
Consumer complaint received 2021-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XXXX of XXXX I sent TU, XXXX, XXXX  a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to TU, XXXX, XXXX  through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Customer service would not help and take care of negative inquiries reported on credit report. I would like for these inquires to be removed. 
XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16
Consumer complaint received 2015-04-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (CA)

Hello there, I took a student loan from Wells Fargo in XXXX for XXXX degree of my son, in total amount of {$49000.00}. The interest rate was % XXXX fixed for about 15 years. From that time up to now although my monthly minimum payment had been always too high, I have never been late and there was no defult. I have regurarly paid by now and the current balance is {$31000.00} with minimum payment of around {$350.00} per month. 
From 3 years ago, when my spouse lost her full time job, I have started negotiating with Wells Fargo to refinance this student loan or lower theinterest rate or increase the remaining period to reduce the minimum monthly payment amount because it is very hard for me to pay. Any how, not anly they never agreed, but they fritghtened me that they may increase the interrest, while the intereset is supposed to be fixed!! In this case, may you please advise if there is a solution? May you convince Wells Fargo to exened the remaini re-payment period to 15 years from now keeping the same interest rate? 
Thanks and best regards, XXXX XXXXXXXXXXXX
Consumer complaint received 2015-05-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (TX)

XXXX of the bank card on my account was deactivated due to possible fraud charges on XXXX. We were not informed in any way by our bank BBVA Compass. Finally on XXXX I went to XXXX of local back location to be told why my bank card was not working. At that point the manager told me that a replacement card was reissued and it should be available in XXXX business days. so we waited. On Saturday XXXX I made a call to customer service. the first rep XXXX disconnected after she verify my account. than i called back. when I called back ( i did n't get that reps name ) she verified my account explained my issue. She told us that no card was ever reissued. I request it be expedited with no charge to us. that rep said she need to verify with the person the card is made out to. when my husband got on the call she had hung up. When I called for the XXXX time, I explained the whole situation to rep XXXX. he placed us on hold for a manager. He checked back once. that at XXXX CST, he hung up on us again. NO rep ever tried to call us back. because it was now XXXX all of BBVA Compass banks customer service were closed for the day. for us to get this issue resolved on Saturday and we had to wait until Monday to call back to customer service.
Consumer complaint received 2015-08-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

HELLO, RE ; CARRINGTON MORTGAGE - LOAN # XXXXI AM SEEKING YOUR HELP DUE TO THE FACT THAT IT IS OVER 3 YEARS TRYING TO GET HELP TO MODIFY MY MORTGAGE IN ORDER FOR ME TO AVOID FORECLOSURE. IN XX/XX/XXXX I WAS PLACED UNDER REVIEW FOR THE FHA HAMP PROGRAM, IT TOOK 1.5 YEARS TO FINALLY GET APPROVED. AFTER I WAS SET ON A 3 MONTH TRIAL PAYMENT OF A REDUCED MMONTHLY PAYMENT. MY LOAN WAS SOLD TO CARRINGTON MORTGAGE, NOW AS OF XX/XX/XXXX CARRINGTON MORTGAGE REFUSE TO CONTINUE HONOR THE PREVIOUS LOAN MODIFICATION AGREEMENT AND THEY MADE ME RE APPLY ALL OVER AGAIN. 

AFTER 10 MONTHS UNDER REVIEW REQUESTING FOR THE SAME DOCUMENTS OVER AND OVER AGAIN, I FINALLY GOT ASSIGNED TO A NEGOTIATOR. NOW THE CURRENT NEGOTIATOR TOLD ME THAT IT IS NOT ON THE BEST INTEREST OF THE INVESTOR TO HELP ME KEEP MY HOME AND BECAUSE I AM CURRENTLY SEPARATED THE INVESTOR HAS THE RIGHT TO REFUSE TO MODIFY MY LOAN. 

PLEASE HELP SINCE MY LOAN WAS PREVIOUSLY APPROVED FOR A TRIAL PAYMENT UNDER A GOVERNMENT LOAN MODIFICATION AND IT IS NOT FAIR THAT BECAUSE CARRINGTON DOESNT LIKE MY HARDSHIP I WILL HAVE LOOSE MY PROPERTY. 

PLEASE HELP, MY FAMILY AND I WILL NOT HAVE NO PLACE TO LIVE IF CARRINGTON TAKES AWAY OUR HOME. 


XXXX XXXX
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (SC)

Citi Bank, the issuer of my XXXX credit card, put me on an automatic draft that I did not know about. I made payments not knowing which then took double payments out of my account. I was promised that the money would be put back into my checking account today XXXX/XXXX/16 and the money is not there. I have been given the run around all day about who can and can not help me with this issue and was treated quiet rudely by XXXX separate employees, including XXXX XXXX XXXX in TN.
Consumer complaint received 2015-09-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

JPMorgan Chase, double charges interest on paid items, double billing. 
As explained to XXXX XXXX, attorney for Chase, XXXX, who did not have the courtesy to return a call and investigate, but obnoxiously had other employees calls and harass us, while refusing to credit disputed amounts. 
Chase actively engages in interest charges on debt paid on time ( doublecycle billing ) although the account is paid a substantianly amount, still interest is imposed on the balance like no payment took place, and in addition payment made at a branch its not credited immediately and Chase charges daily interest as the payment was done the following day. 
Chase employees are abusive, they treaten to report derogative information to credit bureau, and even made calls of coming to our property to make good on the credit card debt, although this is a insecure loan. 

According the APR and calculations Chase has cheated closed to {$300.00} so far. 

Additionaly Chase nowhere posts online or the terms or agreements as require by law, and they tend to call past calling hours.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-08
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. (NY)

Have tried multiple times to reconcile issue with Equifax without success. Every agent states that additional information is required to remove fraudulent inquiry. Ive been given an incorrect fax number on two occasions. Finally presented an FTC complain exactly worded and containing the information they required to XXXX. They acknowledge receipt of the fax on XXXX XX/XX/2022 but the new excuse is that they can not read the FTC complaint number or date on the fax. The FTC complaint was downloaded and faxed electronically. The complaint number XXXX and date are clearly legible. This fraud occurred XX/XX/XXXX and it makes no sense that a victim of identity theft cant resolve fraudulent inquiries with a credit reporting agency in more than 6 months. Ive also contacted the bank and have been assured that they submitted the appropriate paperwork to have the inquiry removed. 
At this point, they are willfully violating a consumers rights.