davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

My name is XXXX XXXX XXXX. Wells Fargo Foreclosed on my house at XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX illegally. I am enclosing this paperwork to you proving that they did this. The person they foreclosed on was XXXX XXXX XXXX, who had a bankruptcy. This is not me. We are not in litigation with Wells Fargo as the case was closed after they took our home and the home of our XXXX children, XXXX of them being adults now. Wells Fargo illegally put a dumpster on our property and took all the contents of our XXXX square foot home and my entire business that was in the garage and my XXXX XXXX XXXX Daughter XXXX XXXX XXXX art work and through it away before they illegally foreclosed on our family. We had also found them cutting our grass and called the Police and the Police made them leave due to trespassing. 

Enclosed is the paper showing a different name that is not mine. 
I have since that time tried to apply for a mortgage and was falsely accused of being a person by the name of XXXX XXXX XXXX and accused of not paying my bills due to this person being in bankruptcy. I was denied a loan with the USDA because Wells Fargo and XXXX Title not doing their due process and putting this person that is not me and foreclosing. 
We have reached out to your agency several times and even bringing the letters I wrote to you on 2 separate occasions which are still on my file and have case numbers proving Wells Fargo would not modify our loan and then in Fraud foreclosed on it. It has just come to my attention in the last week that this paper existed. Wells Fargo is still acting in Fraud as they even with me calling them refuses to pay recompose for their crimes and what they did to our family. I have called them and spoke to XXXX in the last several months and although she was compassionate, she did nothing the first time I called. I was directed to her again to find out where our compensation is for what happened. Now you will once again have more supporting documentation. 
We are requesting that Wells Fargo be held accountable and pay us back for the home, our belongings, and my daughters lost art that she will never have back. She is becoming quite famous on XXXX, and now she will never have her first art due to Wells Fargo coming on our property and stealing all of our belongings before they illegally foreclosed. 

Please Note : They have done nothing. 
Please also if we can be compensated out of the Civil relief fund. Once you read the report I am uploading you will see the crime.
Consumer complaint received 2022-07-20
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2015-09-21
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (WA)

made a prepayment plan for XXXX payment to be pay in a 6months period paid it off early and when we did found out they had been reporting us as late in our credit report when we started the plan was not advised they would do this or that it would stay on our credit report for 7 to 10 years, which makes it hard for us to refi at a lower rate. we held up our end and even paid it off early we think they should remove it from our credit report
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CENTRAL BANCOMPANY, INC (KS)

Opened a checking and savings account on XX/XX/22 with I promo code for a {$400.00} bonus for having XXXX direct deposits and a {$500.00} savings balance on the XXXX day. I completed the requirements and now theyre saying my payroll direct deposits dont qualify for the bonus.
Consumer complaint received 2022-07-20
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. (LA)

Hello! 

I sent a letter to the credit bureau over a month and a half ago on XX/XX/22 requesting an investigation on my XXXX XXXX and XXXX XXXX XXXXXXXX accounts and have yet to recieve a response, mail or anything regarding these accounts in question. 

All I asked for was a validation of the debt ... a re-investigation! 

Please have them investigate these accounts or remove them from my credit report ASAP! 

Thank you!
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Residential Credit Solutions, Inc. (VA)

This company is yet the newest company who claims to have my home mortgage servicing as I am still in dispute with XXXX and RCS which has not yet been resolved as requested by the White House Liasion and my Congressman
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT.

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile.

These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Consumer complaint received 2015-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY (SC)

I would like to file a complaint against TD Bank. My loan was set to close on XXXX XXXX 2015 with a closing date of XXXX XXXX 2015. I have been requesting a copy of the final TILA or final HUD since XXXX XXXX the closing attorney stated she has still not recieved the information from the lender ( TD Bank XXXX. I have sent emails to the processor as well as have called and left voicemails for XXXX different peoplein the processing department at TD Bank. The local branch office of TD Bank has also been emailing the processor in attempt to receive the Final TILA or HUD to no avail. I have been asking for these documents because I do not know how exactly much the closing cost are going to be nor do i know exactly how much the monthly payment is. This is just absurd!
Consumer complaint received 2016-02-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (VA)

they have been calling for a person that is not at this number. I requested on XXXX for my number to be placed on the do not call list, but still receive calls daily and hourly from them. I have called back on three other occasions to ask why I am still receiving calls and they say that are referring to the supervisor. I then explain that this was told to me before and the calls have not stopped.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

This issue relates to Citizens bank. 

I signed up for a new Platinum Checking account as part of a new promotion in XX/XX/2018. I was supposed to receive a {$400.00} payment once I created the account and deposited a single $ 1000+ direct deposit within 60 days of the account opening. 

I have talked to multiple bank personnel, through email, phone, and in branch, that confirmed that I signed up for the account during the promotional period, met the direct deposit requirements and that I was supposed to receive the bonus. There have been multiple 'investigations ' that have taken months to resolve. They are now saying that there was no 'promotional code ' attached to my account and that I would not be eligible for said bonus. In the meantime, Citizens Bank has been charging me service charges despite not fulfilling the terms of the agreement.

I do not trust this account for handling my money when Citizens Bank can not deliver upon this promised bonus
Consumer complaint received 2022-07-20
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-07-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (TN)

I currently have about {$3000.00} in temporary credit with XXXX XXXX XXXX. I graduated in XXXX 2013. The temporary credit account is being serviced by a company called UAS XXXX. I have made multiple payments and then got laid off from my job about a year ago and used a forebearance on my account. I found work quickly and have attempted to make a payment on my account for the last year. Every time I call the customer service department the representative said that they ca n't understand me and that I should make a payment online. So, I try that and it tells me that my account information is incorrect and can not be verified. However, in the meantime they continue to call me no less than 5 times per day. So, I attempt to pay my debt and it seems like they do not want my money. It 's absolutely ridiculous. I called customer service last week and they said we could work something out. They emailed me paperwork that I printed, completed, and mailed back. I get an email tonight saying that the payment arrangements were denied and that someone would contact me from another company that I have never heard of. This company is horrible and so is the institution they represent.
Consumer complaint received 2015-11-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance One, Inc. (NJ)

I was in Florida and when I exit the toll, there was no place to pay the money. I received a letter from AllianceOne, Receivables Management, XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WA XXXX. AN : XXXX ; Ref # XXXX. I purchase a Transponder and went on XXXX website and activated it. I called AllianceOne twice and spoke to a XXXX XXXX and another unnamed female. I pointed out the extra charge of {$13.00}. XXXX refuse to remove the fee so I can pay the account. I feel this is unfair since I have a XXXX account. Your assistance is required.
Consumer complaint received 2015-12-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (CA)

I am filing a complain against Stearns Lender for charging me too much for MIP. I had FHA loan with " Stearns Lender ''. My loan was paid off on XXXX/XXXX/15. Although the MIP was {$900.00}, I was charged for {$1700.00} for " prorated MIP ''. I called Stearns XXXX times to address the issue. Unfortunately with no resolution. 
I kindly appreciate for any help in this matter. 
I am also filing a small claim in court.
Consumer complaint received 2021-08-10
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. (LA)

Hi I have been disputing this inaccurate and erroneous information on my credit file that belongs to someone else and i have been sending disputes for 7 months an no replies from the bureaus or answers and still the accounts are reporting on my report without proof that was requested. 
according to the fcra laws they have 30 days to respond and if not they have to remove. well its been 8 months and havent received anything. 
I have sent you some letters, i have sent to many to the bureaus but if you need them let me know
Consumer complaint received 2023-06-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (PA)

In XXXX of 2023 Wells Fargo has a loan called flex loan no credit check to obtain the loan. today I received a message stating I open a new credit card account and I didnt. my credit report is still showing 100 % still need to b paid whn a payment was made on XX/XX/XXXX. I Was not aware of WF putting the {$500.00}. loan on my account.
Consumer complaint received 2020-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have auto payment set up with my credit union to pay my mortgage loan service company. I saw online at the credit union website that an attempt failed on the mortgage payment but it looked like enough funds were in place for the payment. I called the mortgage company and they reported the payment was cleared so I thought the check cleared. If they would have reported a returned check I would have paid on the phone on the XXXX of the month. Meanwhile payment is considered late on the XXXX of the month. Later I saw the check was returned but by this time I was past the grace period and had to pay a late fee and returned check fee.
Consumer complaint received 2015-07-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC (MA)

I accepted a loan from Castle Payday of {$1000.00} on XXXX XXXX. I was informed my XXXX payment would be due on XXXX XXXX, 2015. On XXXX XXXX, 2015 my personal bank account was debited {$500.00} for a service fee for CastlePayDay. I was not informed of such an absurdly large service fee on a {$1000.00} loan nor did I accept or authorize the service fee be deducted from my bank account. Had I been made aware of service fee that equals 50 % of the loan amount, or half the loan value, I would not have accepted the loan initially. I called the company asking 1. ) what {$500.00} fee was, 2. ) why is it so large 3. ) i was not informed of nor did I authorize the service fee be deducted from my account. I requested Castle Payday to reverse the transaction and credit my account back the {$500.00}. CastlePayDay refused my request. The charge to my personal banking account with XXXX was then overdrawn because of the unanticipated transaction by Castle Payday. I have filed a Statement of Unauthorized Electronic ACH Payment with XXXX Bank. Attached is additional supporting information. Thank you. XXXX XXXX
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

Community Loan Servicing , LLC - previously Bayview Loan Servicing - has been suppressing our mortgage payments from the credit bureaus since they bought the loan in XX/XX/XXXX. We believe this is a violation of our credit rights. 

Over the years I've called several times and requested that they report our payments. They always refused. On XX/XX/XXXX a woman at Bayview named XXXX advised me to file a dispute with the credit bureaus and Bayview. Those actions got no response. 

On XX/XX/XXXX someone at CLS named XXXX read what he said was their response letter and said it is in the mail. We haven't received said letter. 

That letter states that they won't supply our payment history to the credit bureaus unless we reaffirm our loan. We aren't able to do that because it's now well past the 90 day period for doing so. There is no law that says we have to reaffirm, and some state courts won't even let people do it because of the burden it puts on homeowners. It's not required by the Fair Credit Reporting Act, and we're told that we shouldn't put ourselves and our home at risk by reaffirming. 

I mailed and emailed Qualified Written Requests to CLS on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only response was an Acknowledgement Letter dated XX/XX/XXXX which stated that they had received my request and will " provide a complete response on or before the Proposed Resolution Date '' of XX/XX/XXXX. As of this date we have received no such response. 

I mailed another letter dated XX/XX/XXXX to both the corporate office and their consumer relations office in XXXX XXXX, FL. I am awaiting a reply. 

While we've never had even one late or missed payment with CLS or Bayview, this situation has adversely affected our credit worthiness for all this time and impeded our ability to obtain credit. It's also keeping our credit scores deceptively low - possibly up to 200 points below what they should be. It's been particularly obstructive in that we can not refinance our home loan to take advantage of the low mortgage rates that have been available to consumers these past years. That in itself has cost us thousands of dollars. This is no way to treat homeowners who have an excellent payment history.
Consumer complaint received 2021-12-28
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. (SC)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading XXXXnder 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.