davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Adler Wallach & Associates, Inc. (CA)

Will not provide me with a statement showing my debt on XXXX locations of my credit report. Has not informed me that I owed anything. XXXX of the debts are not mine .. I asked for proof or statement and was declined.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC. (FL)

My XXXX passed away and I found paperwork for an account with Santander Bank. I called to see if the account was active. They wouldnt let me know this. I have the account number and her SSN and DOB. They said at a branch I could get this info but the closest branch is XXXX miles away as I live in Florida. I spoke to XXXX XXXX. He wouldnt help with anything and told me a manager would not even speak to me to try and resolve. XXXX  - call center manager did speak to me, she was unprofessional and hung up on me. She wouldnt share her title, her location, her id number, her location or other information. She was the rudest person Ive ever spoken to. I never did get the answer to my question on weather my aunt has an account. They wouldnt provide an address or email address to get an answer to this question. They clearly do not want to release any funds she may have had. This is a violation of policy to not want to release death proceeds. They wont even get me an answer if she has an account with thier branch.
Consumer complaint received 2022-09-06
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX  XXXX  XXXX Date Opened : XX/XX/2019 Balance : XXXX XXXX-Late/Closed Late Dates XXXX
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On my Transunion report, XXXX account and XXXX inquiries were removed and reinserted into my credit file on XX/XX/XXXX. I was not notified of the reinsertion within 5 business days as required. I have spoken with the Transunion special handling department on XX/XX/2017. Id would rather not have to file a lawsuit against the credit bureau to get this corrected.
Consumer complaint received 2015-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

Lived at an apartment complex five years ago. Gave 60 day notice and moved to new apartment. Have lived in several places since then. Looking for new apartment currently XXXX XXXX 2015 XXXX, and with credit report old apartment complex says I owe almost $ XXXX as of XXXX 2015. This is incorrect and needs to be deleted. I was not informed, taken to court, and I have n't been there in five years. Credit report is showing as of XXXX 2015. Incorrect date and fraudulent charges.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MI)

This is from XXXX and closed in XXXX now today it is on my credit report with extra money and decreased my score XXXX points I will like it removed it is past the statue of limitations it been over XXXX years.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

This is the second time I'm filing a complaint to make sure somebody sees my feedback from the last complaint that was closed by my bank, wells fargo, and stated that that case is now closed and complete BUT did not resolve my issue and made it worse for me. My Complaint ID is XXXX. As stated at this complaint ID, on XXXX XXXX, early morning of this day, a lot of illegal and fraudulent charges was made on my checking account totaling to around {$4500.00}. All of this made on a single morning on XXXX XXXX ( that alone is already a cause of suspicion ) because If wells fargo looks at my debit card/checking account history, I NEVER use my debit card for any outside purchases other than paying my credit card bills/recurring monthly payments. I did what I had to do on XX/XX/XXXX and called them the morning it was all happening and told them that it was not me that made these illegal purchases. They gave me provisional credit of around {$3300.00}. A couple of those charges were XXXX {$500.00} money transfers to XXXX  and I only have 1 XXXX  account and I clearly did not make those transfers since the last time i made a transfer on XXXX was back in XX/XX/2021 and i have my account activity to prove that. I also contacted XXXX and they agreed with me after looking at my account that I did not make those transfers and I have that email thread to prove it and XXXX told me to contact wells fargo to dispute it. I already filed a complaint to CFPB a couple days ago and wells fargo DID NOT resolve that complaint and made it even worse for me with their conclusion. Wells fargo stated that those charges were not fraudulent and that they will not be giving me my money back and will be taking away the credit they gave to me on XXXX XXXX. This is very frustrating as judging by the type of purchases and activity on XXXX XXXX and looking at my account activity history, its clearly not from me and they were all rushing to purchase as much as they could on my card before it gets disabled which they did. I'm sending this complaint again to follow up with wells fargo to resolve this matter.
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (FL)

On XX/XX/XXXX, Online Information Services Inc was sent a letter pertaining to a debt that I do not believe is mine. I have left the state of New Jersey and moved to Florida in XXXX. Now, Im being told that I owe a debt for services used in XXXX and XXXX. I have a number of issues with this for the following reasons : Knowing how scrupulous XXXX & XXXX is, having been a customer of theirs for a number of years, if I owed even {$1000.00} dollars, utility services would have been suspended and restored ONLY after the owed amount would have been paid. The owed amount would have never made it to reach $ XXXX that the Debt Collector ( Online Information Services Inc ) is claiming that I owe. 

Upon receiving my initial request letter sent to ( Online Information Services Inc ), they have yet to prove they have authority to collect said debt and/or that they purchased it from XXXX & XXXX XXXX I have not received any documentation from your agency validating the debt they are attempting to collect. Under the FDCPA, they are required to provide proof of the debt within five days of initial contact with me. As I have not received any such documentation, I have reason to believe that this debt is not valid. 
I have reason to believe that your agency is not licensed to collect debts in my state ( previously in XXXX in XXXX  ), as required by law. Under 15 USC 1692e, debt collectors are prohibited from making any false, misleading, or deceptive statements in connection with the collection of a debt. By attempting to collect a debt in a state where your agency is not licensed, they are in violation of this law. As per, NMLS Consumer Access, they do not have licenses in Florida and/or New Jersey XXXX 
My credit reports have been severely impacted by the misreporting of this debt collector and I am requesting to have ALL of the mis-reported information removed from ALL of my credit reports. I should not be getting alerts that my credit reports have been compromised with fraudulent debts that are not mine.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I 've written to the Hawaii Federal Bankruptcy Court - XXXX. This is their reply : The United States Bankruptcy Court XXXX does not provide any information to any credit bureaus, all information they obtain is via third party. You are correct that pursuant both to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last XXXX digits of a Debtor 's social security number along with their full name and address can be released. In order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. I hope this letter is helpful in your matter. 
Sincerely, Clerk of Court. 
I have brought this up to Transunion 's attention along with a document that was filed in court that does not contain my name. The name that is on that document is different than my name. I have been complaining to them since XX/XX/2015 and they still have not remove it.
Consumer complaint received 2022-01-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being Furloughed from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was furloughed in XX/XX/2020.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to XXXX XXXX XXXX a number of times explaining that my credit file should have been on deferment due to myself being XXXX, I was born XXXX and have been receiving social security XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life. Thank you
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for CARRINGTON MORTGAGE SERV to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account CARRINGTON MORTGAGE SERV - XXXX Last XXXX digit SSN : XXXX
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (IL)

I missed one payment, and Citibank has called me over 15 times in the past 3 days. I have spoken to them twice to explain that I had been out of work, and that I was expecting my 1st paycheck in the next couple of weeks. I have also requested three times to have them stop calling, but they have persisted.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (RI)

Hi, My name is XXXX XXXX XXXX. My address is : XXXX XXXX XXXX, XXXX, RI XXXX.My date of birth is : XX/XX/XXXX.My social security number is : XXXX 0n XX/XX/XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX '. I told them if their financial institution which is " XXXX XXXX XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which were not authorized ( Equifax ) are 1. XXXX -XX/XX/XXXX 2.XXXX -XX/XX/XXXX XXXX. XXXX -XX/XX/XXXX 4.XXXX XXXX XXXX - XX/XX/XXXX ) I did not give permission to run my credit from all those instititions and banks except " XXXX XXXX XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

In the course of our mortgage loan being purchased by XXXX XXXX XXXX from XXXX XXXX XXXX it was discovered that an additional amount of $ XXXX had not been forwarded or exchanged between the XXXX companies. The end result of their oversight somehow fell to the borrowers. We the borrowers filed a motion with the court to get the matter rectified, with the court ruling in our favor. The court ruled as we had stated that the $ XXXX owing was not as the result of the borrower failing to pay our monthly mortgage amount, but that the $ XXXX owed was to be ratified between the XXXX parties eliminating the borrowers culpability in the matter. Rushmore Loan Management Services purchased the loan and is keeping with the same practice as XXXX and has failed to honor the court 's ruling as well. To date the court 's ruling has been ignored by all parties. With the increase of the $ XXXX added to our monthly payment and the mortgage ballooning to 9 % we were forced to file chapter XXXX bankruptcy.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC. (NC)

We were offered a payment extension on our loan which stated that the payment would be moved to the end of the loan and that our final payment might be " slightly '' more. It is close to XXXX which in my opinion is not slightly more than {$590.00} which is what our final payment was to be. I truly feel that the advertising for this extension was fraudulent & deceptive and had we known that there would be that big a difference in the final payment along with having to still make the payment that was skipped, we would have never agreed to that.
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CO)

XXXX XXXX, XXXX Dear Consumer Financial Protection Bureau, I have XXXX loans with PHEAA and have paid $ XXXX monthly for 8 months ( since XXXX XXXX XXXX as part of the PHEAA Defaulted Student Loan Rehabilitation Agreement. 

PHEAA stated in the Student Loan Agreement Letter that they would not charge me more than 16 % interest in the PHEAA Defaulted Student Loan Rehabilitation Agreement ( please see Bullet XXXX attached ). 

However, PHEAA has continually been charging me 18.5 % interest or more on all XXXX loans. 

I have sent PHEAA emails and letters showing this 18.5 % error and calculating the correction, yet PHEAA has never contacted me, addressed my letters, nor corrected their mistake in applying excessive interest towards my XXXX rehabilitated loans. 

I write to resolve this situation and correct the Loan Interest to the agreed 16 % or have PHEAA delete the interest due altogether. 

Thank you for your extraordinary work. 

Respectfully, XXXX XXXX cc : XXXX Colorado
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A sectio
n 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX- Account number- XXXX
Consumer complaint received 2017-05-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GMA Investments, LLC (NC)

I received a call in XX/XX/XXXX from a company called Summitt Receivables. They are a debt collector hired by XXXX. Despite this debt being several years old, I agreed to a payment plan because it seemed affordable and they were offering me a settlement of XXXX for a debt that was XXXX. I agreed to pay back the amount of XXXX in 3  installments of XXXX. I received a letter through email confirming this information. Yesterday, I was reviewing my bank account and noticed that the first amount taken out was XXXX. I called the company to inquire about this and was directed to a man named XXXX. He immediately became angry and said that there was no way this was an agreement and that he would be fired if he ever offered something like this. He then called me the " XXXX XXXX. '' He wanted to know who signed the letter and I said it was only signed Summitt Receivables but it was sent by XXXX XXXX. He then forwarded my call to XXXX XXXX. XXXX XXXX was very agitated and said the agreement was no longer valid because I did n't make the agreed upon payments. I said you have my account information and you took XXXX. She said it 's not valid and you have to make payments in the amount of XXXX. I said I could n't afford that, especially in the summer months as I am a XXXX and do n't get paid in those months. She accused me of bouncing a check to XXXX and threatened that I may very well be prosecuted. I did n't believe that I did this and she became very angry. I said I ca n't afford this, I have brakes to be repaired on my car. She said " oh now you are telling me the truth, why did n't you do that to begin with? ", " Now, maybe I can work with you. '' She again brought up the NSF check and ask me if I had ever been prosecuted. I said, No, of course not. I did not agree to the payments. She was very angry with me and basically hung up on me. I called XXXX and my bank and both told me that there was not a returned check. I called her back and she was really angry and very mean this time. She said " are you calling me a liar? '' I said, to not take a dime from my account and I was contacting an attorney. She accused me of talking to her like she was a child. She said she would send me proof of the NSF check right away, which I have not received. I looked this company up on the internet and apparently the NSF check and threat of prosecution is a tactic this XXXX XXXX uses often. This is a horrible company and should be shut down. Thank you, XXXX XXXX
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MN)

A hardship package was submitted to Wells Fargo on XXXX XXXX, 2015. Client was approved for a XXXX trial plan in the amount of {$2000.00} for payments due on XXXX, XXXX and XXXX. The escrow amount of the PITI payment was extremely high ( $ XXXX/month ). We asked several times for clarification from Wells Fargo on the breakdown of the escrow, but they were never able to fully explain why the amount was so high. We also spoke with XXXX XXXX and they provided a declarations page showing an amount that was much lower. The borrower subsequently fell behind on the trial payments due to the high payment ( {$630.00} more a month than the amount provided by XXXX XXXX XXXX. We tried to submit another hardship package so this can be appropriately reviewed but they told us that the only way we can qualify for a resubmission is if my income has been reduced. Client is still struggling to make his mortgage payment due to huge escrow payment.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.