davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I requested a deferment of XXXX and XXXX payments from Wells Fargo they agreed and sent me papers on XXXX XX/XX/XXXX. I filled out the papers and faxed them to the number in front of the paperwork the deadline was XXXX XX/XX/XXXX I faxed the paperwork and had receipt showing it was faxed on 1 XX/XX/XXXX and also at the branch. 9 days after I received a letter stating its denied because they did not receive the paperwork in time I showed proof and said this is the number I faxed it to Wells Fargo said we dont know that number I screenshot the fax number on the paperwork emailed it and they got quiet and passed me to 8 different places but they never wanted to see my paperwork
Consumer complaint received 2018-01-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (AL)

I took this private loan out in 2013 to cover costs that my financial aid and student loans wouldnt cover. I submitted a deferment/forbearance request mid last year since i have been having these loans deferred since 2013 and after speaking with the agency they told me that they didnt receive it. So, they offered me a lump sum amount to pay off which i could not afford and a monthly payment which i also could not afford. So now the loans were sent to another agency and is in collection and has lowered my credit score due to derogatory marks on my credit. I need some help on what to do. Thank you.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent several letters to Transunion disputing inaccurate information for XXXX accounts providing documentation these were paid by insurance company ( medical accounts ), proof payment was not 30 days late, updating employment information, etc. and they will not respond. I have disputed online and via mail providing adequate proof and yet they issue no response at all.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANKMOBILE TECHNOLOGIES, INC (FL)

XXXX XXXX XXXX has reported inaccurate information my XXXX XXXX and XXXX consumer report. I have been a victim of identity theft by these following accounts ; XXXX XXXX account number : XXXX Contribution ref # : XXXX, they reported checking account fraud which is false i physically never open a account with them. This is inaccurate information reporting on my report please have them remove this information off my report. incident date XX/XX/2020 another identity theft incident with another banking institution is ''BANK MOBILE '' Account # XXXX i never opened a account with this institution or held any security 's with them please remove this inaccurate information off my consumer report thanks.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

When I was in college in 2002 I had some non government guaranteed private loans with XXXX XXXX. I subsequently filed bankruptcy, and these accounts were included in the bankruptcy. I was told they may not be discharged. <P/>Since then, the accounts appeared as XXXX XXXX accounts and I had them removed from my credit reports. Recently, they have all been reappearing as XXXX XXXX. These accounts were closed and charged off over 10 years ago and XXXX is reporting them as still active and able to be reported on my credit report. This is in clear violation of the FCRA and the FDCA. <P/>Please assist me In the removal process. I have attempted to contact XXXX and also disputed with the credit bureau ( Experian ) XXXX and XXXX have corrected the issues. <P/>Thank you, XXXX XXXX SSN- XXXX
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have been trying for over a year to have my escrow over payment of {$11.00}, XXXX be returned to me. I have called the mortgage servicer ( Shellpoint ) every month and have gotten no where. Each time I call, it is as if they never heard of my problem before. I have documentation of each call. Each call takes at least XXXX minutes and ends with someone ( who call themselves a manager ) will look into it and call me back. No one ever does. I am at the end of my rope and feel that I am at the mercy of the bank who could care less. I am not rich and really need that money to take care of my children. The details-my loan was at the time of the incident through Shellpoint ( this was the third servicer since I got my mortgage ). They paid XXXX county for my property taxes in XX/XX/XXXX through a third party XXXX. The payment got bounced back to XXXX because there was no money due. ( My accountant had already paid the bill through my personal check ). Shortly thereafter, my mortgage was again being transferred to XXXX. Now is where I get different stories from each person. Shellpoint says the money got transferred in XX/XX/XXXX to the new servicer XXXX to account number xxxxxxx ( this is an old account when this loan was previously with XXXX before it got transferred to Shellpoint. That account is closed. My new current account with XXXX is xxxxxxx. I called XXXX ( also every month without help ). They can not find that account anymore and do not have any record of ever receiving any payments to any account of mine. XXXX says they can not help me. I need to know more details about where the money went. So I keep calling shellpoint asking for details about the payment. They say they have to email the request to the payment research department. No one can call them. So every month I ask them to submit a request to research the money. No follow up is ever completed. So now I am stuck. I do not know who to contact to help me.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I was informed by XXXX/XXXX XXXX that my account would be closed at the end of 2017 because they were discontinuing the card. As I was checking my account, I found out that they charged me an annual fee on XX/XX/17 for {$49.00}, 4 days before they closed my account. This is blatant theft and wrong. Others should know about this so they do n't get ripped off.
Consumer complaint received 2020-05-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CA)

I was working through XXXX XXXX ( a mortgage broker ) to get a VA mortgage on my home. I started the process in late XX/XX/2019 and locked into a rate. Under normal circumstances, a mortgage would close within 30 days. In my case, my business owned the home ( I buy, renovate, and sell homes for my business, but in this case, we decided to move into it for our retirement home ) and wanted to sell it to me and my wife for the purchase price - and change the name on the title from my business to myself in the process. At the end of XXXX I told the broker to go with a different bank since the underwriter from Flagstar Bank was ridiculously unreasonable and kept delaying the process by requesting more and more conditions. At that point, the loan was " approved '' but had more conditions. My broker switched to another bank, but they had inaccurate information concerning the VA and even when presented with the correct information from my broker, they didn't want to move forward. So we went back with the original bank ( flagstar ) since the package was approved at the end of XXXX. ( lost a month due to switching lenders ) But since the package was " approved '' it should have sailed through. But the underwriter had more conditions and documentation requests - updated statements, a new credit report ( which affects my credit standing ) plus more. At the end of XXXX, the rate lock had expired despite a courtesy extension having been previously provided. They now wanted to charge me a 1/4 point increase in interest rate over the life of the loan to extend the lock date for 10 days to ( hypothetically ) get us to closing. Because a 30 day close taking longer than 4 months ( 3 months in their hands ) and them wanting a interest rate hike for 10 days, I provided them my terms - take responsibility for the unnecessary delays caused by the underwriter ( who was new ), honor the original interest rate, or there's no deal. When they declined to the conditions, I stopped the process and opted to fund the transaction from my own assets at that point. Several days later after having lost the loan, they agreed to my conditions but at that point it was too late. Reading between the lines, Flagstar Bank was counting on that I NEEDED the loan, not that I WANTED the loan and wanted to put the screws to me. They never accepted responsibility of the excessive conditions that their underwriter put on this loan ( I'm a well qualified borrower ) that caused a 30 day transaction to stretch to more than 3 months. Then they wanted to jack up my interest rate for the life of the loan - not a 1-time fee - to extend the expired rate lock. I put this into the buckets of gross incompetence and predatory practices. Thankfully, I had the financial resources to do this on my own, but my concern is to others who don't and fall into these unethical practices from Flagstar Bank.
Consumer complaint received 2018-03-26
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: Prosper Marketplace, Inc. (NV)

On XXXX XXXX, 2018 my dispute of a questionable reporting from Prosper Marketplace via certified mail # XXXX was signed. The account is being reported as charged off for {$9300.00} and I am disputing this. I am requesting documents bearing my signature to show the validity of this account that is being reported to all three credit bureaus. More than 30 days has passed without a response. I mailed another certified letter via certified mail # XXXX and it was delivered XX/XX/2018. Still no response. Per federal regulation this item must be immediately and permanently removed from my credit reports for Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The company also did not mark the item as " disputed '' on my credit reports with in 30 days of receiving the dispute. 
Please see attached dispute and supporting docs. My dispute requested that Prosper provide the substantive information used to verify and authenticate the purported account. The failure to respond within 30 days constitutes an immediate removal of this item from my credit report.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

A letter was sent to validate debt onXX/XX/21,XX/XX/2021, andXX/XX/2021. As of today nothing has been communicated with me. This is a collections account with XXXX XXXX appearing as open with a past due amount of {$0.00}. 

I am not understanding how this account can still be open with a {$0.00} balance. Furthermore, nothing was sent to me that would validate this account.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (AZ)

I have been dealing with Amex for the last few weeks, i made a payment on XX/XX/XXXX for {$2800.00} to settle this account and get it cleared. I was told no further collection will be happening and reporting will be changed. to this day as of XX/XX/XXXX, my credit is reporting Amex as Late. this was not the agreement settled. I have called XXXX XXXX XXXX and spoken to the reps there and they have told me the reason the system hasn't updated their info is that they may be cant be tracked. This is an issue on their end and the guy has apologized for any inconvenience this is causing. He keeps telling me to call back in another week to follow up. I have called 3 times with still the same story. The confirmation for the transaction is XXXX.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Was diagnosed with covid and was ill. Called to make payment after recovery, autoamated system did not record payment. 
Original payment submited XX/XX/2020 recorded XX/XX/2020
Consumer complaint received 2019-12-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

I received a call from " GM Financial '' XX/XX/XXXX, The call entailed a man requesting a payment from me for a closed, pre-paid truck lease and in receipt of payment he would not damage my credit. 
This prepaid lease was a 24 month lease that ended XX/XX/XXXX and I do have a receipt from dealer and gm financial of return of vehicle. 

He was willing to accept less if I paid 'NOW '' I then informed him that my contract was satisfied 6 months prior to his call and that no payment was due or owing. I just received informationXX/XX/XXXX, that my credit reports were updated to reflect missed payment? ( thats an impossibility ) This is my second compliant to the BBB about this company in less then a year now on two major issues. 

Desired Resolution : Correction to a credit report The Credit bureau reports that the last information added to gm financial was XX/XX/XXXX and sense that date someone added " missed payment 30-59 '' which just appeared on my report XX/XX/XXXX? How is that even possible?
Consumer complaint received 2022-09-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

REPOSSESSION DEFICIENCY DISPUTE This account XXXX XXXX XXXX acct # XXXX, has violated my rights. Under the laws of the state of TEXAS UCC 9.506 and State RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. Please provide copies of the legal notices and proof of the commercially reasonable3 manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statues and UCC 9 REMEDIES. 
Also, Section 16.004 of Texas Civil Practice and Remedies Code, states ... .the statue of limitations on debt in Texas is four years. And this account is over 4 years old, so it must be removed.
Consumer complaint received 2018-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

To whom it may concern, hope you are well, I not sure what had happened with my monthly payment back in XXXX as you could see in attached file, I truly apologize, I realize how big impact this makes on my credit score in XXXX XXXX.
Consumer complaint received 2017-11-14
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: EQUIFAX, INC. (DE)

I purchased a car in XXXX/2017 the car dealer sent my information to over a dozen financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.
Consumer complaint received 2019-10-29
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: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX I was contacted by XXXX that I had an individual mortgage with a past due amount. 
I disputed it knowing XXXX could not have documentation given that Ive ever owned that property. Even without documentation Experian still backed XXXX claim against me. Previous to this my credit score through Experian was XXXX, and after dropped to the 500s. XXXX never asked me for any money, instead they harassed me and ruined my credit. 
The documents that they had was a note I co-signed on XX/XX/XXXX. For the amount of {$97000.00}, with payments of {$1200.00}, at an interest rate of 13.03 % for the term of 179 months which ended XX/XX/XXXX. 
There is a new contract under just XXXX XXXX, who is the only signer, I am no longer a co-signer, my name was completely removed on XX/XX/XXXX. I was never notified of the new contract until XXXX. 
On XX/XX/XXXX the sole signer ( not me ) took out a XXXX mortgage in the amount of {$4300.00} making the total loan amount {$92000.00}. Both the payment and interest rate changed and the duration of the new loan note went to 27 years. This was not a modification but a whole new contract with just XXXX XXXX as the only signer. 
On XX/XX/XXXX XXXX transferred the loan to XXXX XXXX. I again disputed it but to no avail. I never received any documentation from XXXX XXXX regarding any loan. They did admit during a phone conversation that some of the documents they had were unsigned by me. 
On XX/XX/XXXX I got help from the XXXX XXXX XXXX XXXX XXXX Nevada who were finally able to obtain the documents XXXX XXXX had. In a correspondence with The XXXX XXXX XXXX they stated I had a sound legal basis for dispute. 
On XX/XX/XXXX The legal aid accomplished all they could for me given their resources and suggested I contact Consumer Financial Protection Bureau. 
This situation has affected my credit score and livelihood. I will be XXXX years old in XXXX, living on a set income from Social Security of {$1100.00} per month. As a result of my now lowered credit score I can not get approved for new low-income housing, which is needed because my rent has gone up. I was unable to get a good rate on my car loan, and even my car insurance has increased because of the low credit score. Most recently on XX/XX/XXXX I received an email that XXXX XXXX XXXX closed my credit card through them in which the account was at a XXXX balance and I'd never sent a late payment. 

I have almost 30 pages of documents to use to make my case. 

I have been fighting this for three years, and am hoping you are able to help. 
Thank you,
Consumer complaint received 2022-08-10
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: TRUIST FINANCIAL CORPORATION (OH)

FROM XX/XX/2022 TO PRESENT I HAVE DISPUTED A FRAUDULENT BB & T/TRUIST CREDIT CARD ACCOUNT THAT SOMEONE OPENED IN MY NAME BY STEALING MY IDENTITY. I NOTIFIED ALL 3 CREDIT REPORTING AGENCIES AND BB & T/TRUIST ABOUT THIS FRAUD IN WRITING 3 TIMES, NOTHING HAS BEEN DONE TO CORRECT THE PROBLEM. THIS IS AFFECTING ME GETTING A JOB AND BEING APPROVED FOR HOUSING/APARTMENTS.
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (GA)

Procollect Collections : On XX/XX/XXXX I paid my account, in full, in the amount of {$1300.00}. On that day I was told, via phone, that I would receive a paid in full letter. When I called to check on the status of my paid in full letter, I was told that I would NOT be receiving a paid in full letter because they " found '' another account from an apartment dating back to XX/XX/XXXX. This account was NEVER reported on my credit report nor did I ever receive notice of another delinquent account. Procollect never mailed me anything, even after receiving an updated address for me. My money was taken, but it was not used to fulfill my VALID debt obligation. Instead, it was split between two different accounts, once of which, is NOT valid.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

XXXX = I opened a Coinbase account in order to buy XXXX, so that I can later transfer my XXXX to another platform and use it to buy XXXX. 
I transferred XXXX $ to my Coinbase account and bought XXXX for XXXX XXXX 
Made the transfer to my wallet in XXXX. 
XX/XX/XXXX still no money. 
Waited 3 days for the transfer to complete and even though it says on Coinbase " completed '', when I click on the address of my transfer I receive a message " error 404 ''. 
XX/XX/XXXX - I waited 1 week for the money to supposedly reach my wallet in XXXX. 
XXXX is not responding at all to my queries. 
The last time I had my money they were in Coinbase 's possession - now they are missing. 
None of the platforms replies. I reached out twice to Coinbase support email, received only an automatically generated email. Nothing about my missing money.