davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

*PLEASE HELP, ASC/WFHM HAS SET A SALE DATE FOR OUR FAMILY HOME FOR XXXX XXXX, XXXX I am writing to you today to request that you open a case on our behalf because America 's Servicing Company ( ASC ) /Wells Fargo Home Mortgage ( WFHM ) is stating that we are not eligible for the XXXX XXXX program XXXX which is not correct. The ASC/WFHM re-entry team is stating that we are not eligible for any XXXX XXXX program and are refusing to process our XXXX XXXX Request for Mortgage Assistance ( RMA ) even though we have never been reviewed for XXXX XXXX XXXX XXXX. We have escalated this also to the XXXX Escalations Team where they have also requested postponement of the scheduled foreclosure sale to allow for a valid and compliant XXXX XXXX XXXX XXXX review, if eligible ; ASC/WFHM is stating that they will get the requested information over to XXXX Escalations by XXXX XXXX, XXXX, which does not allow for much foreclosure prevention planning. 

In the past, we received a TPP under XXXX XXXX XXXX XXXX but due to an IRS lien that was subordinated ( but not in the clerical manner that was acceptable to ASC/WFHM ), we have been forced to reapply for mortgage assistance even though we successfully completed a TPP under XXXX XXXX XXXX XXXX. We have never been review for XXXX XXXX XXXX XXXX. 

Please help us to obtain a fair XXXX XXXX XXXX review that follows all XXXX guidelines. We were denied the opportunity to go through a XXXX XXXX XXXX XXXX review in XXXX XXXX due to some bizarre documentation excuse ; XXXX stated that they could not verify my wife 's income but they requested our XXXX tax return, XXXX 's XXXX XXXX 's and XXXX 's XXXX pay stubs ( per the attached timelines ), which would not match since they cover XXXX separate years ( not XXXX clarifying document was requested to include our XXXX tax return available prior to the denial ). As of XXXX XXXX, my wife XXXX XXXX now has new, full time and verifiable employment income warranting a new review due to a change in circumstance or income ( see attached offer letter ). 

I am confident that we are eligible for the XXXX XXXX XXXX XXXX review and I plead with you to assist us in clearing a pathway for a fair and compliant XXXX XXXX review. Thank you in advance for your assistance and my contact information is below if you would like to call me to confirm the details. 

XXXX of my goals is to get this loan modification in place to provide the stability of a home for my family and remove this lingering threat of foreclosure before XXXX. My son, XXXX is going into his senior year in high school and my other son, XXXX is entering high school as a freshman. If we lose this house, the opportunities to remain in our school district are slim. We want them to graduate with the friends they grew up with and we would be more than appreciative to have that opportunity. 

Thank you!
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wrote Transunion on XXXX XXXX and included all copies of ID their website says they require. I had specific questions I asked for an investigation to be done. It is XXXX XXXX and they have not responded to me in violation of the law.
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In addition to my pending case with CFPB ( CASE NUMBER : XXXX ) ; On XXXX XXXX, 2016, TransUnion deleted all my inquiries including the fraudulent inquiries but, later re-inserted all the inquiries that were removed including the fraudulent inquires. I 'm sure thousands of consumers have been affected by TransUnions awful reporting and non compliance of the FCRA. 
TransUnion is required by law to inform me within 5 days of reinsertion that they are adding anything to my report and since TransUnion failed to notify me, they have broken the law. TransUnion violated my rights under the FCRA SECTION 611 laws. 
I have provided proof in previous disputes to TransUnion regarding fraudulent inquiries in my credit profile now I have additional proof they are continuously violating the FCRA laws. 
I have proof of the removal and the reinsertion from XXXX XXXX. 
I demand the inquiries to be removed from my credit report in exchange of me pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roycroft Management (MO)

On XX/XX/15 central mediation services contacted me claiming to be collecting on an old debt of XXXX some odd dollars. I told him I did not take out a loan and he became combative and told me good luck in court. I then asked where they were located and he stated you do not need to know that. I called back and requested a debt validation letter and the secretary asked who I was speaking with and I said Im not sure his name. Then she told me well maybe you can figure it out and hung up.
Consumer complaint received 2024-02-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Class Action Suit Claim I had two home loan mortgages with Wells Fargo during the period of XXXX - XXXX. I believe that my home mortgage rate should have been much lower than what was offered to me at the time of my refinancing and was not given an opportunity for a lower rate. In addition, I believe that my closing cost was grossly overstated which was forced to pay. 

Please investigate these issues. My home loan mortgage account numbers are XXXX ( year XXXX ) and XXXX ( year XXXX ). 

Thank you for your cooperation in this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone : XXXX
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IL)

I submitted a borrower defense case related to XXXX XXXX  on XX/XX/XXXX, received approval from the Department of Education on XX/XX/XXXX, received a letter denying my case from my loan servicer Mohela on XX/XX/XXXX, learned about the XXXX  XXXX XXXX lawsuit shortly after, and then received another approval from the Department of Education on XX/XX/XXXX informing me of the settlement and stating that I was in the automatic relief group and should receive full relief by XX/XX/XXXX. While my loan balances have gone done and this change was reported to the credit bureaus, I still have not received a refund, or really any information about what amount of refund I am owed or any information regarding this process at all. I have called the borrower defense hotline as well as my service many times over the course of the last several months, and I can get no information from either- they mostly just tell me to contact the other. I have received a few emails since XX/XX/XXXX that say I will receive more information in 14, 15 or 30 days, yet no additional information has ever been provided. I tried to contact the XXXX XXXX  XXXX XXXX lending who is somehow involved with the XXXXXXXX XXXX XXXX case but have received no reply from them. I emailed my senator, XXXX XXXX, a few weeks ago and have also received no reply. I am desperate for any assistance in getting information about what is going on with this since the deadline has passed with no communication from anyone. Any assistance you can provide would be greatly appreciated. Thank you!
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX and XXXX have both violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 it also states : " A consumer reporting agency can not furnish an account without my WRITTEN instructions.
Consumer complaint received 2024-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

First, TSI is attempting to collect an amount of money that I do not -- and have never -- legally owed to XXXX XXXX XXXX. Second, TSI has made efforts to fraudulently collect a debt I do not owe, SUBSEQUENT to the XXXX XXXX XXXX stating that I do NOT owe any amount and that they would have TSI remove my name and account from collection effort. Notwithstanding, TSI has continued its efforts to collect. 

I received a notice via USPS on XX/XX/XXXX that TSI was attempting to collect an amount of {$35.00} for a claim made by XXXX XXXX. I logged into the online account on XX/XX/XXXX to confirm and found the online system also claimed the same amount was owed. 

I promptly send certified mail to TSI disputing the debt was owed and showing proof via an EOB from my insurance that I have a zero liability amount for the date of service visit for which TSI is attempting to collect a debt. I also included a check number of payment from XXXX to XXXX. 

Further I notified TSI that I was erroneously billed by XXXX and that the amount had been paid in full by XXXX XXXX on XX/XX/XXXX, per my phone call discussion with XXXX on XX/XX/XXXX. XXXX notified XXXX XXXX on XX/XX/XXXX that I had zero patient liability. 

Furthermore, pursuant to filing a XXXX XXXX XXXX  Complaint ( which was subsequent to confirmation from my insurance company that I have, and always had zero liability ), XXXX contacted me on XX/XX/XXXX to notify me that they were no longer seeking money from me and would remove any such charge from collections. In fact, XXXX committed to calling the XXXX contact at TSI on XX/XX/XXXX to remove my account from any such collection effort in progress. 

It was subsequent to the phone call with XXXX that TSI engaged in actions to collect and SUBSEQUENT to XXXX stating they no longer were seeking money, and that they would remove the alleged charge from collections. XXXX made these statements to me on the phone on XX/XX/XXXX and the contact name was XXXX in Patient Support Internal Billing, who may be reached at XXXX. 

Let me be clear I will not pay money that I have never owed and do not owe. TSI initiated and pursued action -- against regulations -- AFTER a medical service provider confirmed they sought no payment from me. 

XXXX XXXX
Consumer complaint received 2024-02-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (MA)

I opened a Saving account in Wellsfargo branch on XXXX as per the promotion code XXXX that I need to open the account and keep {$25000.00} for a month to get {$520.00} rewards. I opened with the associate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent her email on XX/XX/XXXX about this didn't get any reply. Spoke to customer service XXXX on XX/XX/XXXX at XXXXXXXX XXXX he spent 15 minutes but unable to help due to unresponsive system.

I need my reward {$520.00} as promised
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2024, a money order of {$830.00} was deposited into my account XXXX at JP MORGAN CHASE bank. My legal name is XXXX XXXX but I have always gone by the nickname XXXX  since birth. On numerous occasions, checks and money orders have been deposited into my multiple bank accounts with the name XXXX  written on it and the bank accepted them. On this specific occasion, they accepted the check, cleared it but then refuse to honor it. They put a hold not only on the check but on my whole account and restricted for XXXX  days. After the XXXX  days period, they decided to close my account with a full balance of {$5900.00} and issued XXXX XXXX XXXX checks, XXXX for {$2100.00} and XXXX XXXX for {$3800.00}. They mailed me the check for {$2100.00}, but are refusing to give me the issuing balance of {$3800.00} with the reasoning that I need to verify XXXX and XXXX are the same person. After numerous phone calls and visits to the branch, I was directed by a manager in the back office handling these issues to write an affidavit stating that I go by the nickname XXXX, have it signed and notarized and then my funds will be available once they receive the document. On XX/XX/2024, the affidavit was submitted, they confirmed the reception of the document but however still refuse to issue me my remaining balance because they said that an affidavit can't be accepted even though they provided that solution first. I need help from the Consumer Financial Protection Bureau to retrieve my {$3800.00} because I rely need these funds in these difficult times. My phone number is XXXX, email address is XXXX and I can be reached at anytime. Please help me against this forfeiture.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I have attached supporting documentation.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/22 at XXXX EST I received 4 emails from Bank of America stating that an online account had been opened in my name. The account is called Bank of America Advantage SafeBalance Banking Account. They used my full social to open the account. I looked up the fraud department number for Bank of America and reported the Identity Theft. They did a report and closed the account and alerted the credit bureaus. I've also had to contact my banks and creditors to make a fraud alert as well.
Consumer complaint received 2021-08-05
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: Santander Consumer USA Holdings Inc. (GA)

Im seeking my remedy from Santander Consumer Use pursuant to 15 usc 1681n ( a ) ( 1 ) ( b ) since this inquiry has been removed and they are guilty of their fraudulent acts.

( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (WI)

I was charged {$74.00} in fees in which were not warranted. The fees state overdraft however my account was never overdrafted. My balance on XXXX was {$45.00}, on XXXX a deposit was made putting my balance at {$520.00}. Then I was charged XXXX for over drafting with a positive balance. This is n't the first time TCF Bank has tried to take money from my account for overdraft which never happened.
Consumer complaint received 2016-11-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I paid my account due on XX/XX/2016 and saw something on the website that said Toyota Financial gave a one-time forgiveness. I paid the overdue amount XXXX XXXX. I applied XXXX XXXX and was told that the policy was no longer being offered as of XXXX XXXX. I had never been late before. In fact, this was my second to last payment and now the car has been paid in full. I was reported as being 30 days late and my credit score was reduced by XXXX points. I think this is unfair as the forgiveness policy was active when the late payment occurred. I contacted Toyota Financial again and they refused to remove the late mark on my credit report.
Consumer complaint received 2016-05-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Suddenly, got a call from RoundPoint ( in XX/XX/XXXX ) that we had missed two loan payments ( XX/XX/XXXX & XX/XX/XXXX ), but our loan had been sold XX/XX/XXXX to XXXX, not RoundPoint. When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )
Consumer complaint received 2020-06-24
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. (CA)

TO whom it may concern, I am writing to you to inquire about a hard inquiry reported by XXXX XXXX XXXX XXXX ON XX/XX/2020 from my Identity Protection Program. I am alerted to any credit pulled by my service and this lower my current FICO score. 
I have not authorized my credit to be checked/pulled. 
Please remove this from my credit report. 
I have indicated my social number above and date of birth for reference. 

I thank you for your assistance on this matter. 

XXXX XXXX
Consumer complaint received 2018-05-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Service, Inc. (TX)

Last thursday XXXX XXXX. Called my cell from phone number XXXX exXXXX saying I had 2hrs to call her back are charges were going to be filed against me so my boyfriend calls me at work and and relays the msg to me so I call her And she ask if I recall XXXX and I said yeah but that was yrs ago long story short she wanted me to pay XXXX plus for the loan I got years ago I told her she would have to wait til Friday so she ask for a card number which me not thinking at the time I gave her my card number but told her I would have to make payments every two so then later on after I got off the phone and I got to thinkingwhy did she need My card number so Friday came And My bills come off my card and she called my job and said payment didn't go though I told her I gave her the wrong card number so she asked for a different one. So today XX/XX/XXXX she has. Called myjob twice. And I have ask her not to call and send. Me paperwork and I would gladly make payment arrangment I think she. Is scaming me
Consumer complaint received 2020-06-24
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: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, CA XXXX Attn : CBNA XXXX, TX XXXX To whom it may concern, I been trying to reach this CBNA to inquire about a hard inquiry reported to me on XX/XX/2020 from my Identity Protection Program. I am alerted to any credit pulled by my service and was shocked to see this lower my current FICO score. 
I have not authorized my credit to be checked/pulled. 

I am not able to get a hold of anyone on the phone. 

Please help remove this from my credit report. 

I thank you for your assistance on this matter. 

XXXX XXXX
Consumer complaint received 2016-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Today I check my credit it had drop by XXXX points which left me very up set with the error with both credit reporting agencies. Regarding " XXXX XXXX amt.. {$360.00} '' which is erroneous. Please fix the problem immediately please.
Consumer complaint received 2016-08-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pressler & Pressler, LLP (NY)

The firm Pressler and Pressler violated the Fair Debt Collection Practices Act when it caused my joint bank accounts to be levied. 
The debtor owns none of the money in the account - or only has funds in it that can not be levied at all, like social security or XXXX payments. My wife incurred credit card debts prior to marrying myself. Only my wife was a debtor obligated, obligated to respond to, Pressler and Pressler.
Consumer complaint received 2022-08-05
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. (IL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



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 2019-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Consumer Telecom & Utilities Exchange, Inc. (TX)

I have not received any notification before hand. The first I learned of any money owed id ] s when it was added to my credit report. They didn't contact me at all to inform me that I owed them any amount of money. Nor did they notify or contact my daughter whom was on the same account with me.