davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MD)

I work for the XXXX and have been applying for PSLF program since XX/XX/XXXX. I have called and submitted forms several times. I was told in XX/XX/XXXX that my form was never received. The company acknowledged receipt of it now but still hasn't processed it. It's been almost 2 years and I still do not have an answer about whether I'm approved for the PSLF program. I keep getting told they will reach out to me but no one has ever reached out in 2 years
Consumer complaint received 2021-05-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (ID)

Years ago, my wife and I obtained a mortgage loan for commercial real estate from Wells Fargo bank. That loan was paid off in full XXXX. The problem is they never filed a reconveyance with the county to clear the property as collateral tying up the property still to this day. 

Our current loan officer worked on this and received no assistance from Wells Fargo ; the same thing happened with our current title company. When I personally got involved after many deflections and run arounds, I finally received an anonymous response from their XXXX XXXX XXXX department. Such a response is impossible to hold any actual person accountable. 

We have already lost one loan because of this and the current loan will time out soon as well. It was not difficult to do this 8 years ago and is not difficult to do today but here we are one game to the next. They even wrongly attempted to lay this off on the county recorder.

No consumer should have to deal with this type of problem, more so the amount of time and contacts thus far that is required is in and of itself just horrible. Wells Fargo should not be in the mortgage loan business.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have my name and address that I want to correct on your report. 
My name is XXXX XXXX XXXX or XXXX XXXX XXXX. 
My address is XXXX XXXX XXXX XXXX XXXX Florida XXXX.
Consumer complaint received 2021-05-21
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. (AZ)

I have been disputing this debt since 2019. I have contacted the collections agency and as others debt was paid prior to it being sent or sold to their agency and that they should contact the leasing office to validate payment. XXXX XXXX refused and continued to informs me via by phone that the {$1000.00} debt was still owed. I have disputed this matter by mail email and online with return collections notices and false validated correspondence. This active collections has cost me job opportunities, missed work opportunities to relocate due to not being able to secure an apartment due to not only the collections being open and active but also showing an outstanding balance for rental. I have been denied for multiple apartments, townhomes and condos due to this erroneous report to both my credit profile and rental history. Ive also been forced to pay an influx of non refundable security deposits due to this reporting by XXXX XXXX. Ive lost reputations faced humiliation and judgment. The attached information you will see the most recent collections notice following numerous pages of false validation. Also attached is a letter from the initial debtor that the {$4300.00} was paid in full days before being sent to XXXX XXXX. Also fact, XXXX XXXX never provided me with a letter 5 days prior to reporting this erroneous information to my credit profile. Had they complied by law and sent me a 5 day notice I would have provided the inclosed proof that this matter was satisfied in full. XXXX XXXX is in full violation of my rights as a consumer under the law section 15 U.S. Code 1692e. Verbal communication XXXX XXXX has use many stall tactics and numerous threatening claims of legal action against me.
Consumer complaint received 2017-06-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Last year  XXXX   XXXX   XXXX  filed a lawsuit against me for loans that I had cosigned for my nephew. They indicated since he lives in NY they have to sue me and ca n't sue him. We made a payment arrangement of {$200.00} a month. They stopped taking the money at the beginning of the year do n't know why but I got a notice Monday  XXXX / XXXX / 17  that they had filed a garnishment claim against me for 25 % of my pay. I wasnt given any notice and took 25 % of my check that I received yesterday. I cant afford that much money to come out of my check I live paycheck to paycheck and will be bankrupt in a month. My nephew understands that he messed up earlier with these loans and wants to do the right thing but these tactics are unreasonable and threatening.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

My phone alerted me that money was being taking out of my account from chime. I reported it to them that {$2500.00} had been taking out my account twice by a hacker or error. They told me that they didnt see an issue/problem and then told me I didnt have case. I need that {$5000.00} it was the money I received after my car got totaled and for a new XXXX plus to pay my lawyer.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (OK)

I HAD MY ID STOLEN EARLY   XX/XX/XXXX  A ND DID N'T REALIZE IT TILL RECENTLY. I HAVE FILED EVERY FRAUD REPORT AND ID THEFT REPORT AS WELL AS FROZE MY ACCTS. I HAVE NOTIFIED ALL THE CREDIT AGENCIES AND CONTACTED THE CREDIT CARD ACCOUNTS THAT WERE OPENED OR ATTEMPTED TO OPEN TO NOTIFY THEM OF THE THEFT. HOWEVER,  CHASE CRE DIT CARD COMPANY CONTINUES TO RUN MY CREDIT ALMOST 2 TIMES PER MONTH EVERY MONTH AND NOT CALLING TO VERIFY MY INFORMATION AS REQUESTED. I HAVE CONTACTED EVERYONE AND THEY ALL SAY OH WE WILL STOP THIS BUT THEY CONTINUE TO DO IT EVERY MONTH. THE MOST RECENT IS XX/XX/XXXX  AN D XX/XX/XXXX . MY CR EDIT SCORES WERE OVER  XXXX  AND I HAVE BEEN SAVING FOR A HOUSE AND NOW MY CREDIT IS IN THE  XXXX  DUE TO ALL THE HARD INQUIRIES FROM CHASE BANK. I DO N'T KNOW WHAT ELSE TO DO? PLEASE HELP! I HAVE ALSO STARTED A CASE WITH   XXXX   XXXX   XXXX   XXXX   TO HELP WITH THIS BUT ITS NOT DOING MUCH GOOD EITHER. WHAT CAN I DO?
Consumer complaint received 2016-08-29
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MA)

I let my ex Husband keep the house in our divorce. I had to sign over the deed to him so he could put the mortgage in his name only per the divorce agreement. He was able to do this and the mortgage went to OCWEN. Somehow they put the mortgage back into my name and the new note does not have my signature. I have asked numerous times for a copy of the mortgage agreement and they have not given me one because I do not live at that address anymore. I never signed anything authorizing them to increase my debt. Please help me in fixing this situation.
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (AR)

We have had an issue contacting this lender since our mortgage was sold to them. Recently they reported to the credit bureau that we were behind on our mortgage, which we are not. A few days later they reported that the payment had been made and we didn't know about either. We pay an extra {$500.00} per month on our mortgage to get it paid off quickly. So behind on payments or struggling financially is not an issue for us. However, when we try to reach someone in customer service they claim the wait time is 60 mins and even that isn't true. We have waited up to an hour and 25 mins and they never answered the phone. If i press the button for a new mortgage I am not placed on hold at all and someone picks up on the first couple of rings. My credit is very important to us even though we don't owe on any vehicles or anything like that. Their mistake and lack of communication affected my credit score by over XXXX points. This was completely avoidable if they had adequate staffing and willingness to make things right.
Consumer complaint received 2020-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (NC)

This company, Trident Asset Management, previously reported on another credit bureau an inaccurate account and failed to provide any information or remove the information for the account with XXXX. After filing a complain with the CFPB on XX/XX/2020 ( Complaint XXXXattached ) and investigation, XXXX   deleted the information from my report as it was not validated or verified and there was no information about this account. Just a {$2700.00} collection appeared on my credit file. 

On XX/XX/2020, XXXX deleted the information from credit file and CFPB reported the complaint as closed. 

ON XX/XX/2020, when reviewing a new copy of my 3 bureau credit report, I noticed my XXXX credit report score had gone down significantly. Trident Asset Management has refused be lawful and has now done the same tactic by reporting this information on my XXXX credit report with a DIFFERENT ACCOUNT NUMBER, same amount. 

This creditor was required by law to advise and provide FDCPA information prior to adding to the credit report, which would have led to the ability to clear this matter prior. 

I have posted my credit report showing that when I filed the original CFPB complaint, the account number was different and the only bureau reporting was XXXX. Then on XX/XX/2020, the account was reporting on XXXX only with a DIFFERENT ACCOUNT number. 

Again, while in the process of preparing to make a significant purchase, this company has, again, added false information to my credit report with a different bureau in an attempt to extort monies assuming I am a naive consumer and not aware of my rights. 

XXXX  employee : XXXX XXXX XX/XX/2020 XXXX Eastern advised that : * This was updated on my credit report on XX/XX/2020 WITH a description that " Consumer disputes after resolution Collection account '' * They would not provide me information regarding when this account was added to my credit report, but it was NOT there prior to the original CFPB complaint * They would not provide me any information related to the information that was provided to add this to my credit profile, No promissory note, signed agreement, contract, accounting of monies, nothing This information needs to be removed and I am filing a complaint with the NC Department of Justice mirroring this complaint as well. 

The original complaint documents are attached and I refuse to go through another year of back forth with this company or a credit bureau because of this deceptive tactic.
Consumer complaint received 2021-09-03
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)

Today XX/XX/2021 I checked my Transunion credit report and it was showing that I owed a balance of {$150.00} on a loan from XXXX XXXX XXXX XXXX and this is false. This loan is fully paid up and the loan is closed. I am there fore asking Transunion to delete XXXX XXXX XXXX XXXX from my credit profile as the account is fully paid up and no funds are owed to XXXX XXXX XXXX  XXXX.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

Went through  XXXX    XXXX   XXXX   which made an agreement with  On Main fi nancial in the amount of  XXXX  through the law office which was representing  one  main. Payment made for the first  XXXX  and then the second payment of  XXXX  was made on  XXXX  over the phone to the law office from  XXXX   XXXX . I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from  one main telling me I was delinquent. I have spoken to many individuals at one main who keep telling me they are working on it and have not resolved receiving the p ayment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: REGIONS FINANCIAL CORPORATION (FL)

Universal Premium Fleetcards / Mastercard   XXXX   UPF auto signs up their clients into programs ( in this case a percentage of our bill going to planting trees ). I have never heard of this program nor did I sign up for it. {$57.00} was charged to our account. They credit it IF you discover it and IF you call in to get them to credit it. However they credit takes 2-3 billing cycles or 30-45 day s. If they have  XXXX  clients they fraudulently sign up, at {$57.00} each, that 's $  XXXX  they control for  XXXX  ... at 1 % interest, they just cleared {$570000.00} for fraudulently charging clients. This ca n't be legal, can it?      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX  XXXX  XXXX
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

An unidentified person called the stores phone and had the assistant manager key in numbers and amounts on the register to fraudulently attain funds. 
1 {$400.00} Western Union tracking number XXXX XXXX {$600.00} Western Union tracking XXXX XXXX {$550.00} Western Union tracking numberXXXX the receiver of these funds gave the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-22
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. (FL)

student loan with fed loan reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP (VA)

I received a collection notification of a resolution opportunity from NSA or North Shore Agency that was dated XX/XX/2021. They state in the letter that they represent " XXXX  '' as the Creditor with NSA ID # XXXX & Creditor Account # XXXX in the amount of {$350.00}. I do not have an account with XXXX  COLLECTOR and believe that this collection agency is attempting to fraudulently collect from me money that I do not owe. 

I tried to contact them at the phone number on the letter and when I enter my zip code and the account # listed on the letter, the automated voice states that the information entered doesn't match their records. I also tried to contact the company through other phone # 's available online but can not reach anyone. Please help me resolve this issue.
Consumer complaint received 2018-03-22
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. (FL)

student loan with XXXX XXXX reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Asset Recovery LLC (PA)

Hello, I am making a formal complaint about the Quality Asset Recovery company.

There are 2 claims. One for XXXX   and the other for XXXX. The time of service was XX/XX/2015. During that time, we had XXXX XXXX XXXX through my husband 's work. I called the hospital making the debt, they said it was a wrong code. I called the doctors office, they said it was the hospital 's fault. I called the QAR department, they never told me I could file a dispute. I also called the HR department at my husband 's work. I was told that if the QAR had told me it could be resolved earlier, it could be, but they never did.

This claim is for a XXXX XXXX XXXX XXXX I had because I XXXX XXXX XXXX. A XXXX. A necessary procedure. I had insurance. I am trying to buy a house and this is on my credit report.!
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

about 7 months ago my checking acct ending in XXXX at bmo harris bank in XXXX  XXXX, illinois XXXX received {$1000.00}. from somewhere. i tried to find out who had sent the funds but could not. over the next few months I spent the {$1000.00}. in about XX/XX/2021 my bank received a federal complaint that some lady sent the {$1000.00} to my acct by error, the harris bank agents arbitrarily froze all my accounts I had with them. This freezing of my accts at bm harris caused substantial numbers of my checks to bounce etc. resulting in substantial penalty fees such as returned check fees, overdraft fees etc, I am still paying for those arbitrarly frozen accts and their returned check fees etc. the m harris bank also arbitrarily withdrew the supposed {$1000.00} from my acct as well w/o consulting me or even investigating whether this {$1000.00} was actually sent to my acct in error or possibly simply to cause me financial problems such as overdraft fees etc i am a senior citizen, XXXX yrs old. and on a limited fixed income.also, i had to take early retirement from my teaching job due o an accident possibly a " hit '' because I called the illinois child abuse hot line .i believe I was unnecessarily charged substantial returned check fees etc amounting to about {$2000.00} per acct at bmo harris bnk . will you please help me recover those fees resulting from bmo harris employees arbitrarily freezing my accts causing substantial extra returned check fees etc and returning the {$1000.00} taken from my acct w/o asking me or properly investigating who this lady was, her motivations etc.. e
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (SD)

In  XXXX , I repeatedly asked for a bill so that I can get caught up on payments of my mortgage fr om Fay Servicing in voicemails and also by talking to different representatives. At one point, I w as told that I would receive a bill in the mail but this was not received. On  XXXX   XXXX , I spoke with a representative and for the first time, was told I needed to request this type of information via email, which I have done. In the meantim e, Fay Servicing has b een racking up fees at a ridiculous rate. For instance, on  XXXX   XXXX  the bill was {$6600.00}. On  XXXX   XXXX  the bill I was told the bill is {$9600.00}, according to the conversations with the  Fay repres entatives. However, I have n't so far received in writing an amount and what date that bill will be good through. In addition, I submitted a loan mitigation application in  XXXX  that I have n't heard a recent status on.  Fay S  ervicing is responding or not responding timely to voicemails I 've left in the past month, while they continue to rack up their high fees. I 'm aware of my rights as a loan mitigation applicant and potential federal RESPA violations that are occurring. In particular Fay is not resp onding timely to my requests for a bill so I can become current with payments. I am in contact with legal counsel on potential federal RESPA violations that have occurred.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XX/XX/21 XXXX i was charged with purchases I never made. My card was stolen and I informed Bank of America. I realized that since a lot of people were working remotely that individuals were at home taking personal information down I had one rep ask me for my cross street and sliding someone changed my security question I have informed them of a emerger situation they ended up shutting off my card and Im going to be without electricity. And I need my funds so me and my child dont sit in the dark
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

My credit card company refused to assist me with my merchant billing dispute that I filed back in  XXXX    XXXX   for not as described services by  XXXX  in the amount of $  XXXX  .I 've been giving the run around for the last three m onths, every time I 've called in I was giving different information by each agent despite all the wrong information I still provided all the information/ documentation requested including valid second opinion letter that supports my claim.Now I received a letter on  XXXX   XXXX  stating they ca n't help me with my dispute without providing explanation as to why. When I first contacted them I advised them that the merchant refused to take parts back. I advised the merchant I did n't want the parts and there available and ready to take. I feel my dispute was mishandled and would like it reconsidered. The last supervisor I spoke with was very rude and short.
Consumer complaint received 2021-09-03
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. (CT)

My rights have been violated under the FCRA by TransUnion. TransUnion is refusing to follow fcra guidelines for handling my disputes fraud use on my consumer file. I first contacted XXXX  XXXX when I received inquiry on my credit file XX/XX/XXXX. XXXX XXXX immediately closed account after confirming as fraud. I began first dispute with TransUnion XX/XX/XXXX instead of verifying and removing fraud account transunion kept invalid info on my credit file as accurate. I opened dispute with TransUnion on XXXXwith letter from XXXX  XXXX as fraud, TransUnion continues to allow invalid information to remain on credit file as accurate as of XX/XX/XXXX