davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo Home Mortgage continues to commit lender fraud. I have called them out on it. I have shown them proof of it. They continue to deny and hide it. I have requested guidelines for modifications. I have been continually denied a copy of this. I have requested a copy of a phone call to the company on XX/XX/XXXX. I have also been denied this. I have been lied to and I have been given multiple reasons as to why they will not help us with our mortgage. I have corrected and proven them wrong on all of these reasons. I have looked up the HAMP rules and know that when we started the process for a loan modification, we were 100 % eligible under HAMP guidelines for a HAMP tier II modification. Wells Fargo purposely took their time on reviewing us, and continually lied to us about eligibility knowing that the program was ending on XX/XX/XXXX. My husband had a XXXX on XX/XX/XXXX. I have been trying since XX/XX/XXXX to get the HAMP tier II ( months before the program ended ). Then in XXXX of XX/XX/XXXXthe new reason given for denial was that the program ended. We are beyond frustrated. Then just yesterday XX/XX/XXXX upon researching laws in my state. ( Utah ). I was supposed to be served with a supbeana of my foreclosure along with a timeline to respond with the court. I never ever received such a document. The way I found out that my home was up for sale at auction was on a website. This is absolutely unfair. Wells Fargo has already been fined for acts like this, yet they continue to practice them, and obviously continue to get away with it. Please stop them.
Consumer complaint received 2017-09-14
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. (AL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
1.XXXX XXXX- Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 3XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX-Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 6. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 7. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 9. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 10.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 11 XXXX- Inquiry from XX/XX/XXXX 12. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13. XXXX XXXX XXXX -Inquiry from XX/XX/XXXX 14. XXXX XXXX Inquiry from XX/XX/XXXX 15. XXXX XXXX Inquiry from XX/XX/XXXX 16. XXXX XXXX Inquiry from XXXX XXXX, XXXX 17. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 19. XXXX XXXX Inquiry from XX/XX/XXXX 20. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 21. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23. XXXX XXXX Inquiry from XX/XX/XXXX 24. XXXX XXXX Inquiry from XX/XX/XXXX 25. XXXX XXXX Inquiry from XX/XX/XXXX 26. XXXX Inquiry from XX/XX/XXXX 27. XXXX XXXX Inquiry from XX/XX/XXXX 28.XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 29.XXXX XXXX- Inquiry from XX/XX/XXXX 30. XXXX XXXX Inquiry from XX/XX/XXXX 31.XXXX- Inquiry from XX/XX/XXXX 32.XXXX- Inquiry from XX/XX/XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (MA)

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

XXXX XXXX
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA Banking locked my access to my accounts with instructions to call them to unlock. When attempting to call their wait times are XXXX long. I have been attempting to contact at different times for the past XXXX days with no resolution of the issue. There is no other avenue to fix the issue to access my money. No actions have been taken by the company to resolve the issue.
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We want to come out of forbearance with SPS Mortgage Servicing. We requested a trial modification at a reduced mortgage monthly payment. SPS offered a trial modification of XXXX monthly payment beginning on XXXX ending XX/XX/21. We requested detailed information from SPS concerning the mortgage modification to better understand what is the right choice to keep us in our home of 35 years. We have no other home but XXXX XXXX XXXX XXXX , Ca XXXX XXXX. SPS refused to provide us with a workout solution for a mortgage modification. We contacted SPS notifying them we must have detailed loan modification documents if we are to proceed as fully informed mortgagees, SPS refused to provide this information and told us to complete the trial modification from XX/XX/21 to XX/XX/21. We made every payment on time for the full amount they established as our new loan payment. Yesterday XX/XX/21 a document from SPS discharging our mortgage loan and the new mortgage is not a mortgage but a Lien and enclosed are the details of the Lien on our property and outlined repayment plans. ( Documents enclosed ) The lien repayment plans continue payments at the same as the trial mortgage modification cutting the interest rate from 4.5 % to 2.55 %. After a year the interest rate steps up and the monthly payment increases respectively increase. The first year is 2.554 % for a year, Months 13 to 24 increase to 3.054 %, 25 to 36 months 3.554 %, 37 to 400 month 4.023 % These are not in good faith a modification. SPS also requires a balloon payment of XXXX at the end of the loan. This is a fraudulent action of bait and switch where SPS gives us no relief, manipulates the numbers, and makes even more money. I am XXXX and this is taking a toll on my mental health and physical health, This is not a negotiation this is manipulating the historically predatory nature of companies taking away the ability to stay in our home and create wealth. This is unacceptable, unfair, and does not help us at all. XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (AR)

Applied for an Auto Loan through XXXX of XXXX, Arkansas. I had excellent XXXX credit at the time, income, down payment etc.not an issue. XXXX of XXXX had me fill out a credit application on an XXXX XXXX form. Later in the process I am told the financing was sold to Fifth Third bank. 

I never received an payment booklet or statement from Fifth Third bank. I had no idea when the first payment was due, the amount of the payment, or the account number. All I knew from XXXX of XXXX was Fifth Third was going to take over the loan.

After not receiving anything from Fifth Third, My husband and I tried to call them to find out how to make a payment, who to make it to. Each call was a multi-hour experience that ended with us speaking to someone overseas who was little or no help. By the time we finally got someone who could help, they said the loan was in collection, and I now had to speak with someone in the collection department. We finally got the opportunity to make a payment over the phone to bring the account current. 

I still have yet to receive any mail, bill, statement, email, phone call or text message from Fifth Third bank. 

I shortly have another payment due and no idea how to make the payment without calling them for yet another multi-hour phone experience. If this " abuse by neglect '' practice is how they treat customers with excellent credit and income, I shudder to think how they treat consumer with less-than-perfect credit. 

As a result of Fifth Third Bank 's lack of contact I now have a black mark on my credit which I have spent years maintaining at a high level.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax makes it difficult and inconvenient to manage credit freezes. 
I did not have any issues with XXXX or XXXX, but Equifaxs website said there was a problem ( no other explanation ), and asked me to call their toll free number during certain hours. 
The hours are limited, and ultimately the automated phone service was able to lift my credit, but it took time and there is no reason why this automated phone system is not in service 24-hours a day. 
The next day my wife needed to unfreeze her creditshe got the same error on the website.
Consumer complaint received 2019-11-06
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: Experian Information Solutions Inc. (CO)

Account XXXX XXXX - # XXXX. This account is showing closed, but there are several innacurate late payments affecting my ability to purchase a home. Please delete this account ASAP. It shows I was 120 days passed due on XX/XX/2015 and the next month I was up to date. Then in XXXX I was XXXX Passed due that can not be. I was never late through any of those months
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$170.00} Account Name : XXXX/XXXX  Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX/XXXX  Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX/XXXX  Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00}
Consumer complaint received 2019-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Complaint against ... 

HUNTINGTON BANK Vehicle Loans XXXX XXXX XXXX XXXX, Ohio XXXX XXXX On XX/XX/2019 I made a online bill payment to the above referenced bank for my car loan in the amount of {$11000.00} to pay down my car loan of {$16000.00}. 

Huntington cashed the check on XX/XX/2019 and it was deducted from my bank account with XXXX XXXX XXXX ( my home bank ). 

As of this writing Huntington has not credited my account and continues to accumulate interest. I called 2x in 2 weeks and spoke to cust service. Nothing has been done and I have another regular payment of {$330.00} due on the XXXX, which I should not have to make because my large payment of XXXX should cover about 33 payments into the future. 

They will not acknowledge they have my {$11000.00}. 

I want to rattle their cage. Please help. 

XXXX
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I wrote equifax several times on a debt collection which is a medical bill that is reporting to my credit report that is not mine and they refuse to remove it from my credit report. Im also a victim of identity theft since XXXX and I also sent in my Police report as well as my documentation to prove my identity. They still refuse to remove it. The name of the collection is call XXXX. XXXX. I sent them letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-01-09
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Fifth third bank closed my checking account after I deposited XXXX. In to my own checking out via mobile deposit. They said I havent used my card in 6 months which is a lie I use it daily for gas. They would not give me a corporate phone number. They blocked me out of my mobile banking and my money. I missed work, lost out on money.
Consumer complaint received 2017-11-10
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. (FL)

I have reached out to Equifax 3 times and they told me to reach out to the companies which I also did and they have pointed me back to Equifax. Back in XXXX 2017 there were some unauthorized credit inquiries on my credit report. I have told them to provide documentation with my signature which they have not been able to provide. 

The companies are : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ( twice ) & XXXX XXXX. 

I am getting nowhere between these companies and Equifax and I have had enough!
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BB&T CORPORATION (FL)

BB & T bank is telling me I can not redeem my reward points that I earned from my credit card because it is less than {$25.00}. I was not made aware of that when I opened the credit card. I asked them if they could just take my approximate {$14.00} of reward points and just put it in my currently active checking account at BB & T but they said no. They instead told me they can only redeem those points in multiples of {$25.00}, which means that anyone that closes a credit card there will likely forfeit ( on average ), about {$12.00} of points. This to me is a scam. They are making it almost impossible ( or at least very difficult ) to redeem all of the reward points because if someone is say {$10.00} short of the next multiple of {$25.00} redemption amount, they would have to spend hundreds of dollars more on that same credit card just to get the final {$10.00} of reward money. That is totally unfair and very misleading. 

I told BB & T they need to pay me my earned points otherwise I will close all of my BB & T accounts ( which I will ). When I opened the account, they told me I earn 3 % on gas purchases, 2 % on restaurants, and 1 % on all other qualifying purchases. This is actually incorrect ( and misleading ). Since I can not redeem my points ( because I only earned about {$14.00} in points ), my effective reward is 0 % for all tiers ( no 3 %, no 2 %, no 1 % ). I don't remember them telling me anything about this rule when I opened the account so it may be hidden in the small print but my point is they did not make me aware of it as they are supposed to go thru the rules of the card at the time of opening and make them clear. 

This is a big disappointment to me as I feel I have been scammed. Had they made me aware of this restriction when redeeming points when I first opened the card many months ago, I would have declined the card simply based on that stupid rule. It seems to me that just about everyone who uses a BB & T credit card will eventually get screwed out of some of their earned rewards because of this ridiculous rule they are claiming is in effect. I know of no other bank that has this stupid restriction so it appears BB & T is being " sneaky '' about this.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I called Transunion credit report 3 times. I tried to file an dispute on some inquires that were no authorized by me. The first time I called it was XXXX/XXXX/XXXX, the representative stated they do n't do disputes on inquires. The next day I called back XXXX/XXXX/XXXX that representative stated I have to mail in or fax my dispute in. XXXX/XXXX/XXXX called to check the statues on the dispute. Was told they did n't have it, that i need to resend it. Hung up called back same day. The rep stated they received the dispute. That i need to contact every creditor i am disputing with also that I need to get a police report. Went to the police dept where i am located. Was told I cant file a report unless my information was used and gain goods off my information. I then spoke with the Supervisor of the dispute dept. He stated i would have to waite till the inquires fall off. I then asked why do I have to waite for something to fall if its not mines or was authorized by me.