davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX XXXX Balance : {$200000.00}
Consumer complaint received 2021-09-14
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: ENCORE CAPITAL GROUP INC. (MA)

On ( XXXX, Midland Credit Company Profile add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

Dear Sir or Madam, We are filing this complaint and ask that you answer the following questions, see enclosed attachments. Please note, we have sent Planet Home Lending a numerous amount of correspondence asking the same questions and have not received your ( Planet Home Lending ) response. Year to date, those questions remain unanswered.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MA)

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are not willing to take a settlement offer from me either due to medical issues with me and i am not working at the current moment due to COVID. I received my stimulus check  and wanted to settle the account for the entire {$1200.00} and my current balance is {$2500.00}. The rep told me that they would rather send my account for write off instead of a settlement. That is going to hurt me financially and I've tried to work with them for 6 months now and they are not willing to work with me. I don't know what else to do so i am finally coming to you guys for some guidance please.
Consumer complaint received 2017-06-09
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: EQUIFAX, INC. (CO)

On  XX/XX/XXXX  I called   XXXX   to have them remove a debt that has been reported on my account since J XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor   XXXX   could remove this item. Knowing the laws and my rights, I was very unsettled to hear that  XXXX  does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General 's Office of Colorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for   XXXX   to stop reporting this debt ASAP according to Federal law.
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Account that is past this 7 year record retention is as follows :    XXXX   XXXX   XXXX   XXXX    Acct # :  XXXX **** Original start date or reporting :  XX/XX/XXXX  Currently still on my credit report as of XX/XX/XXXX  This same account is also being reported on   XXXX   XXXX   and Equifax with a start date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   XXXX   XXXX
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX Bank of America was paid {$2000.00} from my checking account at XXXX XXXX XXXX. I had enough funds in the bank and {$2000.00} was deducted from my account. On XX/XX/XXXX, Bank Of America returned the payment as unpaid, and slapped me with insufficient fund fees. But my checking account at XXXX XXXX XXXX never got the {$2000.00} back into the account. So they are gone from XXXX XXXX account and the XXXX says that the Bank of America was paid {$2000.00} on XX/XX/XXXX. The BOA says they returned the payment and I need to get in touch with XXXX if it's not credited back into my account. Both these institutions are holding my {$2000.00} hostage and giving me a run-around for no reason. They blame each other, but they are not willing to talk to each other to resolve this issue. It has been over a month and I could not get either institution to return my money. That's why I am requesting you by filing this complaint to please help me get my money back from these financial institutions.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I begin refi process with Wells Fargo ( WF ), my bank of three decades ( with whom I've had a home mortgage for seven years ) XX/XX/XXXX At the counsel of my WF refi consultant XXXX XXXX, I called WF to take my mortgage out of COVID forbearance ( which WF offered for XXXX XXXX ). The WF consultant I talked to on a recorded line says I can simply roll those back three months into the refi ( FALSE ). She does not explain the consequences of so doing, nor does she follow up with a yes/no question to ask if that's explicitly what I want. After the call, she inputs a code that puts my loan into deferral. 
XX/XX/XXXX Finalizing my WF refi, XXXX XXXX certifies that my mortgage is officially out of forbearance, but advises me -- contrary to what I was told on XX/XX/XXXX -- that I have to pay up those three past  COVID forbearance months because they can not be " rolled into '' the refi. I do so, online, immediately. 
XX/XX/XXXX My refi is denied by WF, due to the " deferral '' code wrongly entered on XX/XX/XXXX ( obviously this was an error -- I would not have willingly chosen a deferral, WF knew I wanted to refi ) XX/XX/XXXX Now begins my official complaint process, to the Office of Executive Complaints, the highest escalation of a WF complaint, case # XXXX. Here are the consequences for me : a ) Although heretofore I have had excellent credit ( XXXX ), I am unable now to refinance with ANY company, as one of my " creditors '' is WF, who says I am in deferral 2 ) The three months of back mortgage payments I made on XX/XX/XXXX have now gone into " suspension '' -- they have not been applied to my mortgage -- in fact since paying them my principal has GONE UP 3 ) This is all due to a " coding error '' WF admits  they themselves made on XX/XX/XXXX 4 ) While I email and call the Office of Executive Complaints every few days, because I am now unclear exactly where my XXXX mortgage stands, as of today, XX/XX/XXXX, I am told the matter is " still being researched, '' with no specific date given as to exactly when this coding error will be corrected. 
XX/XX/XXXX Today : Bottom line -- WF has to take my mortgage out of deferral ASAP and clear my credit so I can complete my refi, either with XXXX XXXX at WF, or elsewhere. Being told " no one is available '' to talk to me on the phone, or that the matter is " still being researched, '' some 24 days AFTER I started the process is I believe actionable. 
Please advise as to next steps. Thank you.
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

I submitted a check to Ditech to reinstate my mortgage and they ca n't find the check. They said I need to get a reinstatement from the law firm which I submitted 2 weeks prior. I never got the reinstatement from the law firm called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I had to call Ditech again and they said they have no record of a request and will request again. I asked the woman to cc me or send me a copy of the request, she said she could n't. I then emailed the law firm the request and saved a request myself. I also tried to do a modification with Ditech and they said I was missing paper work. There was no missing paper work, I submitted everything which was required plus more. I have copies if you want. They then rejected my Mod. I also submitted for California Keep Your Home and they said I make too little money. What good is the program if I make too much money? This is becoming out of control. XXXX did the samething years before and got rejected for their modification program. I currently pay a 6 % interest mortgage for the past 10 years. Ditech keeps on swapping out new account reps on my account every 2 weeks. They each let the phone goto voicemail. I 've emailed in the website and do n't get a response. This is pathetic. No customer service when I 'm trying to pay the mortgage. I 'm actually trying to give them my money. These banks need to be shut down or thrown in jail.
Consumer complaint received 2016-10-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (GA)

Hello, my name is XXXX XXXX XXXX. Here 's the issue - I have a delinquent credit card with Wells Fargo. About 15 years ago, I opened a checking account with Wachovia ( account ending XXXX ). My sister, XXXX XXXX XXXX was added to my checking back 12+ years ago for convenience. I branched off and opened a different primary checking with another financial institution. Subsequently, around XXXX or XXXX, I opened the now delinquent credit card ( account ending XXXX ) and was pitched to open another checking account with Wells in order to receive the Wells credit card. Unfortunately, a divorce caused me to cancel the primary checking w/Wells Fargo and then began to struggle with credit card payments. For more than 12+ years, XXXX XXXX has maintained the Wachovia checking account ( account ending XXXX ) and has remained in good standing. I do not have access to the account ( no debit card, no related transactions whatsoever in more than a decade ). She has had direct payroll deposits into this account and all her financial dealings through Wells Fargo. On XXXX/XXXX/XXXX Wells Fargo took her entire paycheck, forcing her into financially compromising position. Wells justified its actions by stating because I was listed as primary on the checking account, it has full authority to take my sister 's funds to pay my debt. She has been an excellent customer for Wells Fargo. Wells was very clear that they were not taking XXXX funds, but XXXX entire balance plus her payroll direct deposit. This is not a fair or ethical practice. They have crippled an honest customer that never had anything to do with the delinquent credit card. She never had a card in her name or made a single charge relating to this debt. Now, however, she has been punished. What type of recourse do we have? Should we get an attorney? Wells ' ethical statement reads : Wells Fargo 's reputation as one of the world 's great companies for integrity and principled performance depends on our doing the right thing, in the right way, and complying with the laws, rules and regulations that govern our business. We earn trust by behaving ethically and holding all team members and directors accountable for the decisions we make and the actions we take. The Code of Ethics and Business Conduct ( PDF ) serves to guide the actions and decisions of our team members, including executive officers, and directors consistent with our company vision and values.
Consumer complaint received 2017-06-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NJ)

I applied for a mortgage modification on  XX/XX/XXXX , and was denied on  XX/XX/XXXX . I was told via phone by   XXXX   XXXX   XXXX  , a home assistance representative from M & T bank,  XXXX , that I was denied because my debt to income ratio was over {$2000.00}. The banks decision was not based on the completed budget sheet that is required in order to have a completed mortgage modification application. Moreover, I was told that even though my budget showed that my income could meet the monthly mortgage payment, the standardized, according to   XXXX   deduction, stated by   XXXX   XXXX   XXXX  , was used to make the denial decision. In addition, I was approved for a loan modification  XX/XX/XXXX , which was based on {$2100.00}, which I was approved for a modification. The modification was based on an income of {$3000.00} which I was not receiving at the time. Currently, I had a decrease in income of {$800.00} dollars. This is why I am asking to M & T to modify my mortgage for a second time.
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I wrote to the mortgage company to request that my mortgage be subsidized and if the lender could make use of the PMI for the money loss as a result of the missed monthly payments that have not been applied to my account. Additionally, I asked that the mortgage refinance and write down my mortgage so that I can stay in my home.
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I currently have a foreclosure mediation date scheduled for  XX/XX/XXXX  and hope tht this complaint is resolved before that date. In addition, my source of income is Social Security  XXXX , which is my primary reason for the change I am requesting.
Consumer complaint received 2017-08-01
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. (GA)

Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. The item ( XXXX XXXX, XXXX ) is inaccurate because the accounts is not mines. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

I sent a letter to ERC on XX/XX/XXXX, regarding Acct requesting the company to validate the debt they say that I owe them. I did not recieve any documentation that I owed this company anything, I recently checked my credit report and ERC was listed as a creditor. This prompted my letter to them. This letter was sent Certified Mail with a Return Receipt Tracking Number. ERC recieved the letter and they signed the return receipt. They sent me a packet of a bill after I specifically requested evidence of the alleged contract bearing my signatureaccording to the law. They blatantly ignored me and sent a bill without a contract. ERC has failed to provide me a contract bearing my signature to this debt yet they continue to report this debt to the Credit Bureaus damaging my ability to obtain credit without clear validation. 

I sent a follow up letter on XX/XX/XXXX to request the contract bearing my signature to this alleged debt.
Consumer complaint received 2017-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I received a promotion in the mail fr om Santander Ban k to open a ne w Business Account  with them in exchange for a {$500.00} bonus. The requirements for the bonus were to maintain an average daily value of more than {$1000.00} for more than 3 months.  <P/> I opened the account with a banker and a {$100.00} deposit. The banker said I could deposit the rest of the money when I got my debit card, which did n't arrive  for 2 weeks. A s soon as I got the debit card I deposited {$1000.00}. I then kept the balance of my new account above {$1000.00} for the proceeding 4 months.  <P/> I saw no bonus deposited, so followed up  with Santander who r eviewed and denied the bonus twice, citing that I had not maintained an average daily value of over {$1000.00} for 3 months.  <P/> It is misleading that the promotion was advertised in such terms, I deposited the funds as soon as I was able ( once I had received my banking card ). If the requirements were to have {$1000.00} in the account from the day the account was opened, they should ha ve A ) explicitly said so in the promotion they sent me, and B ) the banker should have indicated this. I made t he banker aware of the promotion, and she manually reviewed it and entered the promo code into her system when opening my account. She told me that waiting until my debit card arrived would be fine to deposit the full {$1000.00}. Had she told me that I needed to deposit the full {$1000.00} that very day, I would have certainly done so.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (DE)

I was a long time customer of Wachovia and in 2015 a Wells Fargo CSR tricked me out of my seniority checking account With all it 's benefits and switched me and my husband to a Wells Fargo checking account. I lost all my privileges that l Had with my Wachovia account. It happened in XXXX, Pennsylvania branch. I was not happy and closed my the Account and opened a new account at XXXX.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America allowed someone to open an account in my name with out my authorization on XXXX. I contacted B of A, and they suspended the account. I demanded that they cancel the fraudulent and they said they would after their investigation was completed in 30-day 's. I've been reaching out to B of A to get an update but no one is responding. I'm filing a complaint with the CFPB, to assist me in getting this situation corrected.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due and this incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XX/XX/XXXX received phone call from Portfolio recovery associates tel # XXXX spoke was asked to verify last 4 of SS #. I was told that they were calling to collect a balance on 2 separate accounts. the accounts were from the year XX/XX/XXXX. not only is the statute of limitation exceeded, these accounts were discharged in bankruptcy in XX/XX/XXXX ( 12 years ago ). I was passed around to 5 different people at this company who kept asking for verification of SS #. we do not owe any money to XXXX XXXX or XXXX XXXX as stated by the individuals at portfolio recover associates. they continually asked how we were going to make payment to resolve these accounts. I believe this company is in violation of the federal bankruptcy laws as well as NJ Law on collecting debts that are way beyond the statute of limitation. they are threatening to damage our credit rating by reporting these old debts.
Consumer complaint received 2017-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I started a loan with Capital One Auto Financing in XX/XX/XXXX. My loan payment amount is {$580.00} due monthly on the XXXX of each month. From my very first payment to now I 've paid {$600.00} on the XXXX of every month. I called cap one in XX/XX/XXXX to find out my payoff and learned I still had almost XXXX left to pay my car off. I then decided to make 2 payments a month to hurry up and pay off loan. After two months of making {$1200.00} additional payment I called and ask for new pay off. Then I learned the additional monies had not been credited as explained by customer service assoc. I then called XX/XX/XXXX and requested the additional payment scheduled for drafting the XXXX of each month be cancelled, CONTINUING MY PREVIOUSLY SCHEDULED DRAFTS WHICH IS THE XXXX OF EACH MONTH. They said ok, They didnt draft the additional payment in XX/XX/XXXX but resumed the addt'l payment in XX/XX/XXXX. I called and told them I had requested that it be stopped in XX/XX/XXXX and requested a refund for the XX/XX/XXXX payment. That 's when they told me I would be delinquent. I asked how when for 4yrs I had been making my payment the XXXX of each month never late, why when I request that my original request for the additional be stopped Im late. They said it 's theway funds had been distributed. I have included attach to verify I have never missed a payment I pay ahead of time along with an additional few dollars. I have been receiving threating calls. The lastest one was yesterday threating to repossess my vehicle unless I make good of my loan. My loan is good I am required to make a {$580.00} payment each month not {$1200.00} My loan acct # is XXXX