davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo failed to address my concerns. As a matter of a letter that was just received at the time of this complaint, XX/XX/XXXX, this matter is still pending review until least XX/XX/XXXX. The mortgage company ( Wells Fargo Home Mortgage ) did not provide a breakdown of the amount of real estate payments were included in the funds diverted to their attorney or other unauthorized accounts. Therefore, the bank will be required to provide that information for the records of the consumer. Apparently, those XXXX  individuals living on my property have the impression that they can have me arrested for property that I paid for. This XXXX XXXX   woman is not willing to sit in jail for any XXXX individual or anyone for that fact. 

Wells Fargo Home Mortgage and/or the County of XXXX XXXX XXXX misappropriated, diverted, or embezzled funds paid by XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX allocated for mortgage expenses such as real estate and/or attempted to embezzle funds allocated real estate taxes to apply towards personal property taxes that have already been paid but generated by altering statements sent to XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX, including but not limited to funds designated as part of the mortgage payment made to Wells Fargo Home Mortgage. Periods of misappropriation occurred from XXXXpresent and as early as XXXX.
Consumer complaint received 2017-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC (MN)

Tried to work out a settlement did not hear from them for months. Now all of the sudden they are calling me at WORK!!! That is against the law!!! They harassing me with phone calls everyday at work!!!
Consumer complaint received 2020-10-07
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. (VA)

Equifax sent me notification on XX/XX/2020 Confirmation # XXXX That items on my report that I disputed is not reporting on my credit file. I recently checked my report and the item that they stated that isnt reporting on my credits file is still their. They never took it off like they said they did. The item is Company Name : XXXX Account Number XXXX I have the documents of what Equifax sent me via mail that things were taken care. But now I see it wasnt what they stated.
Consumer complaint received 2021-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Have tried to connect with credit bureau TRANSUNION on multiple occasions to get hard inquiries removed that are unauthorized. Spent several hours with them on the phone and also typing and sending off letters to Transition on MULTIPLE occasions to get these inquiries removed. Spoke with them and they informed me that they don't have a time limit to respond to inquiry deletions. have spoken with these companies via telephone and they've confirmed they have no knowledge of these accounts being removed. 

XXXX XXXX o - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX I - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX TRANS UNION - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX ( MULTIPLE ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-06-17
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: Continental Finance Company, LLC (GA)

SUPPOSED " TRANSACTION '' : Date :  XXXX / XXXX /   2016  Amount : {$490.00}  XXXX  Processor :  XXXX    XXXX   XXXX   ( illegitimately claimed " sale '' through fraudulent website -  XXXX   ) Neither  XXXX  / Continental Finance nor this continually unresponsive " entity '' identified what was   supposed transacted on my card by either them or the associated fraudster.     The initially attractive {$500.00} card limit -- albeit a whopping {$100.00} processing/activation fee -- that I chose to help build my credit is indeed issued by the indisputably most horrible financial organization in the worl d, Continental Finance. Their management and incoherent representatives ( see " SurgeDisputeOperationsEmail '' attachment for the absurdity of the representative in closing my card / resolving my claim, in which she even deleted one of my email requests having a receipted opening ) have solely prompted serious issues in getting, not only this charge cleared from my account, but now the late fees more than {$300.00} due to Continental Finance 's asinine interest rates and holistic financial insecurity. Now,  I wake up every morning wondering how this institution ( whom offers  XXXX  different bogus credit cards! ) is even permitted to operate in the United States or any country for that matter. They are not interested whatsoever in helping  Americans es tablish credit with the  XXXX  major  bureaus. Continental Finance is out to pillage every red cent they can from their unfortunate customers that are experiencing the same indescribable problems as I. Please do yourself a  kind favor and run as quickly and as far away from these crooks as fast as you can before you inevitably end up with a catastrophe like I am dealing with.
Consumer complaint received 2018-03-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please remove this inaccurate information from my credit report. I have submitted numerous disputes thru the company and credit reporting agency, I have yet to be provided with proof or any correspondence. This account/debt does not belong to me and is harming my credit character.
Consumer complaint received 2020-10-07
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. (GA)

I sent certified mail a dispute to Equifax regarding the following accounts : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Investments Account Number : XXXX Account Name : XXXX Account Number : XXXX As part of the dispute I sent a FTC Identity Theft and police reports.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Regional Management Corporation (TX)

There was a loan of {$2500.00} taken out from regional finance on XX/XX/2020 using my name, fake email address, phone numbers i do not recognize, and my accurate drivers license number. I was not aware until XX/XX/2020 when i checked my credit karma which I then disputed right away. I have made a police report, sent an affidavit I was asked to complete, and filled out paper work the loan office. I disputed the loan from my credit and it came back as accurate.
Consumer complaint received 2017-10-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Massachusetts Educational Financing Authority (MA)

I am currently a college graduate student at a XXXX XXXX in Massachusetts.I was encouraged to apply for student loans through XXXX 'MASSACHUSETTS EDUCATIONAL FINANCING AUTHORITY ' a state agency which are only available to students who are Massachusetts residents or attend college in Massachusetts.I was devastated to learn that i could not defer my undergraduate loans from XXXX XXXX while i continued my education.
Consumer complaint received 2020-07-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

On XXXXXX/XX/XXXX I disputed the debts listed on the End of Lease Liability Statement through priority mail for Account XXXX XXXX XXXX for the following reasons : The Itemized Wear and Use section on page 2 of the End of Lease Liability Statement had several problems. One, it does not indicate tire problems that are listed as chargeable use in the list Nissan Motor Acceptance Corporation lists. I am including a copy of the list here but it clearly states that the tread on the tires must be less than of an inch. The depth of the tread is not reported on the bill. Moreover, the list states that the scratch on the wheel cap must be longer than six inches. There is no report of how long these alleged scratches are in the itemization. 

Two, the portion about a cracked rear lamp is false. When my daughter returned the car, someone named XXXX XXXX inspected it with her and walked around the car. There was no mention of a cracked rear lamp in the report from the turning in of the car. If this was not a pre-return inspection then that was not made clear to me. 

If there are broken lights, scratches or worn tread, I dont know if such wear was sustained after we surrendered the car on XX/XX/XXXX. None of the time and location-stamped pictures we took of the car on the lot when it was returned on XX/XX/XXXX show any cracks. 

The total of these false charges is {$670.00}. That entire amount is disputed. 

Third, the disposition fee of {$390.00} and the disposition fee tax of {$25.00} are also disputed as I tried to renegotiate the lease and was rebuffed several times and was told I would have to pay {$470.00} per month to lease the car. My offer to continue leasing at the same price was rejected by the XXXX XXXX XXXX in XXXX XXXX, Connecticut. If Nissan is not willing to work with me then I cant renew. 

I enclosed money order number XXXX for {$640.00} for the property taxes. In accepting this {$640.00}, my letter made clear that by accepting the money, NMAC agreed to waive the rest of the bill because the debts are not valid. 

I told NMAC that if they didnt accept this offer, to please send the money order back and we would resolve this through the courts. Copies of the payment and the letter are being attached to this complaint. 

I received notice that NMAC accepted the offer and the final payment of {$640.00} for the entire debt. Collection efforts should cease and I should have a {$0.00} balance.
Consumer complaint received 2018-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NH)

I believe that Navient has not been applying my monthly payments accurately. I have been paying 180 a month for ten years. I have paid out as much as the initial loan, yet my loan balance has barely moved in those ten years. Navient is not applying my payments correctly and in  essence has been stealing, I feel, from me for years.
Consumer complaint received 2017-06-17
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

I applied for a personal loan, not a title loan, exactly once. I informed the representative who contacted me that I never applied to use a vehicle as collateral and that I was not interested.     Now, I see no less than  XXXX    OneMain Financial hard inquiries on my  XXXX  credit report alone.
Frankly, I did n't even authorize the type of applicati  on they ran the first time, let alone  XXXX  more times.      XXXX  claimed it was only able to remove  XXXX  of these inquiries and suggested I contact you.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2006 XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2006 XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history are incorrect and inaccurate. I was never late on these accounts. I've already sent a request to Experian to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$33000.00}
Consumer complaint received 2017-06-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

I am a  XXXX  member. I did n't know   XXXX   XXXX   credit took over  XXXX   XXXX . That time I moved my house. I have n't received any statement. I got the letter from  XXXX   XXXX   XXXX  on last month. So, I call that agency, explained everything. He gave me a fax no XXXX and sent to dispute letter. I sent to the letter to   XXXX   XXXX  . I received letter from the   XXXX   XXXX  , Midland funding LLC take care my case. I called Midland funding but no one responded. I refuse to pay interest and late fees. I can pay how much I spent in  XXXX . They do n't accept that. I do n't want to ruin  my credit score. Please help me how to fix my problem. Thank you
Consumer complaint received 2020-07-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XX/XX/2020, I disputed several collection items with XXXX, XXXX and Equifax. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks
Consumer complaint received 2019-03-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (TN)

I have sent a request with my financials to my mortgage company Home Point Financial for a mortgage modification.I became delinquent on my mortgage because I was caring for my XXXX year old mom who is terminal ill and passed away in XXXX. I was responsible for her care until she recently passed. Home Point Financial didn't notify me they were accelerating my mortgage note. I haven't received mail from Home Point Financial since XX/XX/XXXX.or any other mail for my mortgage. I've contacted Home Point Financial several times to let them know I wasn't receiving my mail. As of today I still have not sent a mortgage statements or any other mail to my home address. The property foreclosure  notice I received from the foreclosure attorney is not 30 days prior to the property foreclosure sale. The letter is date XXXX XXXX sale date is XXXX XXXX. I looked the Tennessee law it states the homeowner is to receive notice of a foreclosure sale 30 days prior to the sale. 


See attachments
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

This company  XXXX /Comenity keep charging me late fee on account  XXXX . I feel it has been pay off already. My purchase was amount of {$110.00} and up to date since  XX/XX/XXXX  I pay {$160.00}. The amount {$150.00} on this account is all late fee charges. Late fee that my daughter has contact them threw  XXXX  in  XX/XX/XXXX ,  XX/XX/XXXX  and now XX/XX/XXXX and threw the phone to take this balance off since I was diagnose  XXXX . I have been hospitalize since  XX/XX/XXXX  several times. I 've been living with my daughter so I really did n't even know about this bill till my daughter found everything. They told my daughter online to contact them on phone to fix this issue but when she call they deny to speak to her because her name is n't on the account. I spoke to them today  XX/XX/XXXX  to allow me to speak to them. They told me that  XXXX  is n't a valid to dispute the balance due. So we told them to close the account and they ask me if I wanted the account close and I said yes close my account today. But I also see even closing the account the continue charging my late fee.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (VA)

Good Afternoon. My name is XXXX XXXX XXXX. I currently have a investment account open with Coinbase Pro to purchase crypto currency. On XX/XX/2021, Coinbase Pro listed a new crypto currency on their platform called XXXX XXXX in which purchased XXXX valued at {$3200.00}. Due to an internal error by Coinbase, XXXX XXXX was listed at the incorrect price. Please be advised that price was inflated accidently by ten times the correct price. Many investors including myself bought the XXXX XXXX on XX/XX/XXXX via Coinbase Pro not knowing that the price was incorrect and highly inflated. Coinbase Pro refuses to acknowledge and rectify an internal error that caused many investors to lose XXXX percent of their investment. Please note that incorrect listing of XXXX XXXX limited the amount XXXX I could purchase and negated the profit that I would have made. After submitting a complaint to Coinbase, they responded stating " Per our trading rules- XXXX A limit order will only ever fill at the specified price or a better ''. Coinbase has caused many users of their platform lose funds. Please note that Coinbase is trying to avoid accountability for internal error that caused many investors to lose money. Please help!
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America set up a student checking account for my son with me, his father, also on the account. For some reason they have an overdraft mechanism on the account that if he goes over or negative, the charge goes through and he gets hit with a {$35.00} overdraft fee, which recently happened. 

So I asked if the {$35.00} could be reversed for it is a student account but they said its not a student account, it is a UGTMA, so they didn't reverse the {$35.00} charge. This is not what we set up - we thought it was a student account.. And they can't delete the overdraft mechanism. 

So it's just an account that will collect fees from a student. Kind of ridiculous. Thx
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hi my name is  XXXX   XXXX   XXXX  and I live at  XXXX   XXXX   XXXX   XXXX   XXXX  Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

Hi my name is  XXXX   XXXX   XXXX  and I live at  XXXX   XXXX   XXXX   XXXX   XXXX  Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.
Consumer complaint received 2020-07-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/2020, I disputed several collection items with XXXX, TransUnion and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks