davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

I closed a refinance with XXXX XXXX XXXX XXXX  ( XXXX ) on XX/XX/20. Wells Fargo purchased that mortgage from XXXX on XX/XX/20. The final XXXX statement shows a note payoff " Payoff Sold Servicing '' of {$500000.00}. However, when Wells Fargo set up the new mortgage effective XX/XX/20, they set it up with a starting balance of {$500000.00}. They added XXXX {$1500.00} to the mortgage principal despite the fact I had paid all accrued XXXX interest to XXXX in my first ( and only ) monthly payment due XX/XX/20. When I called them they said they didn't know why the extra {$1500.00} had been added to the principal and it would take them up to 30 days to investigate. Given their reputation I do not trust that this was a mistake and I am concerned they are doing this to other people who may not notice the extra principal added.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX I received a copy of my credit report from XXXX  and Transunion and notice false and inaccurate information that they documented on my file they maintain under my Social Security Number. It states that the XXXX XXXX XXXX XXXX Wisconsin reported to them and/or are the furnisher of a bankruptcy on on my credit file. On XX/XX/XXXX I sent a letter to the XXXX COURTS OF XXXX XXXX XXXX XXXX  requesting their procedures of verifying records with the credit reporting agencies. On XX/XX/XXXX I received a letter back from the courts stating that they DOES NOT report any information to ANY credit reporting agencies. On multiple occasions I have sent certified letter to all 3 credit bureaus asking them to provide me documentation from this court validating this information, while at the same time reminding them that you CAN NOT document false and/or inaccurate information on my credit file that they maintain under my Social Security Number. On XX/XX/XXXX I sent another certified letter asking again to validate it, while reminding them of the same. On XX/XX/XXXX received a letter yet again as verified as accurate. This completely false and inaccurate.
Consumer complaint received 2017-08-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

XXXX XXXX XXXX, stated they would assist me in saving my home from foreclosure, when the mortgage services fail my several loan modification requests. Dual tracking has continued practice in case, I have submitted this claim with the courts. XXXX XXXX XXXX requested XXXX down payment, however no documentation was submitted by XXXX XXXX XXXX that they were action on my behalf. Never return any of my calls. I requested XXXX XXXX XXXX XXXX due to dual tracking practices by XXXX XXXX, Bayview loan, XXXX XXXX XXXX XXXX. I been dealing with dual tracking since 2010. Would really appreciate some real help!
Consumer complaint received 2015-05-06
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (NC)

I had applied to Wells Fargo for a refinance of my current mortgage, held by Wells Fargo. I have been in my home for 15 years and am current on my payments. I was very open about my situation, XXXX years old, XXXX veteran, looking at retirement soon, I have lost XXXX jobs in the past 10 years due to our economy and am very much trying to keep my home and prepare as best I can for retirement. 

I have been working with XXXX XXXX XXXX of a local Wells Fargo branch, and we were on the verge of setting a date for the refinance closing. I received and email from XXXX stating that Wells Fargo had told him that the VA had just changed their guidelines and that as I had been late in one payment that they, the VA, would not authorize a refinance of my mortgage. I called the VA directly and spoke with a young lady named XXXX. XXXX was not aware of this restriction and explicitly stated that the VA wanted to help veterans keep their homes and be in the best financial position possible. When I informed various people of my conversation with the VA, Wells Fargo changed their reason for not being able to refinance my mortgage due to requirements imposed upon them by the Consumer Finance Protection Bureau. Like many Americans I am basically living week by week and the savings I would realize by being granted a refinance would be extremely meaningful. My local Wells Fargo rep would like to move along with the refinance, but Wells Fargo Corporate is telling him he can not. I have spoken/communicated with the following Wells Fargo staff : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

During the course of various conversations I have inferred that if I did not make payments for 3 months or more that there were Government Programs I could take advantage of. I do not want to get behind in my payments, I would just like to get some relief thru a refinance at a lower rate.
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC (IL)

I was renting a home in Indiana from a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX did over {$43000.00} in repairs to this home and put me as the owner. I was never the owner of this home. XXXX XXXX evicted us out of that home and then sold that home and got paid for all of that work. XXXX from what I seen online was supposed to close this fraudulant account with me and refund me for their illegal activity in 2021. They did not. They continued to take money from me illegally. 

I never owned a home in Indiana. XXXX XXXX XXXXXXXX should not have put those repairs in my name. I live and own my first home at XXXX XXXX XXXX XXXX IL XXXX. 

This is the first and only home I have ever bought. I refuse to continue to pay XXXX for a metal roof and siding that XXXX XXXXXXXX XXXX did on a home that I never owned and was evicted out of by XXXX XXXX, This was fraud by definition and real estate fraud by XXXX XXXX. XXXX XXXX fraud against us almost XXXX my wife. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I was told by the XXXX XXXX XXXX XXXX to not pay XXXX another dime. I never owned a home in Indiana. This home I live in now is the only home I have ever owned.
Consumer complaint received 2020-07-09
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. (TN)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo keeps taking withdraws from my Checking account without my consent ; I had a illegal amount of {$81.00} from a XXXX account that was n't mine. I called the XXXX and they instructed me to contact Wells Fargo to get a CHARGE BACK for that amount. 
Wells Fargo did put back that amount ; only to take the amount BACK out of my account. 
And the bank refused to replace that even though it IS THERE ERROR to do so. 
I want my money back into my Checking account POST HASTE. 
I keep the printout of their error that bears out my concern. This has happened XXXX ; and we faxed from another branch of their own bank that proved my claim ; and they lost the faxes XXXX times ... .. the banker on our end stated he faxed to the fraud division XXXX. 
And he concurs we have proven our side enough to get our money back into the checking account ... .. 
WELLS FARGO IS A FRAUD!!!!
Consumer complaint received 2024-05-10
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MS)

ON XX/XX/2024 I went to my local shell station ( where I normally get gas up ), and put my shell card into the gas pump to pump gas ( To fill up ), as I normally do and the card was declined, the pump gave a message that said, " see cashier ''. So I went into the station and gave the card to the clerk she said " go ahead and fill up, she would slide the card when I got through pumping gas '' .So after filling up I went back in and the card was declined again ... SO I called the number on the back of the card and a rep ( female ) came on the phone and I asked here what seems to be the problem with my credit card. She asked me a bunch of security questions and then told me after about 40 minutes on the phone, that I would be receiving a communication from them and when I get it, fill out the form and fax it back. I still don't ' know why the card was declined, it was paid up, ( current ), never received a letter about anything ( XXXX ) or anything like that, never been late with a payment, always paid the bill on time each month ( early as a matter of fact every month ). I go to noticing my paper statement and it has the last four digits listed on statement shows different than the last four numbers on the card, why I don't know. But, it's been that way since I've had the credit card and I have never had any problems before. I ask them to tell me why the card was declined and they would not tell me unless I receive the form, fill it out then return the info ( By fax ), then go from there. It's been about a month since I have used the card and I have {$670.00} available credit if I need it, and i only use it from time to time to pay for gas at the pump. I called XXXX to " Try '' and discuss with Corporate employees the reason why the card was declined at the XXXX XXXX, and could not speak to anyone, ( don't ' know why ). I was a victim of credit card fraud on XXXX other credit cards two weeks ago ( New cards were issued ). I tried to speak to another rep, but could not understand their speech...
Consumer complaint received 2022-07-20
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: Mercedes Benz Financial Services (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX  # XXXX, and I'm including it again. XXXX XXXX XXXX ******* XXXX
Consumer complaint received 2015-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Credit Corporation (VA)

This is a formal complaint against Nationwide Credit Corporation, NCC in XXXX, VA. I have been contacted XXXX times on my personal cell phone, during business hours ( typically between XXXX XXXX and XXXX XXXX XXXX ). Despite repeated requests to cease and desist, the calls persist. I notified them that my benefits provider was conducting an investigation ( That the matter had been resolved as of XXXX ). If they had questions, I was instructed to tell them to talk to XXXX XXXX ( benefits provider ). Despite this, I received the latest call this morning from XXXX XXXX at Nationwide Credit Corporation ( NCC ) yet again. I notified them at this call that I would be formally submitting a complaint for harassment.
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

The reporting Agency keeps allowing XXXX account put old delted accounts back on my report over and over. After i was found inncocent. these companies was deleted before and now they back on several times. please stop letting these companies abuse me because they was deleted over the last few years many times. 
1. XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXXXXXX 6.XXXX XXXX XXXX 7.XXXX XXXXXXXX XXXX XXXX These accounts was open by Fraud when i was out of the country , and the CFPB helped get them removed and the Attorney General Office. and you guys let these companies put it back on over and over and over. its been years. How about helping me and stop allowing these place to try to Con and scam me into paying debts i did not do. Remove them again please.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TN)

I purchased appliances from Conn 's Home Plus. I used their in-store credit to finance the purchase. I made the first two payments in store and neither were credited to my account. I received collection calls and informed them I have made my payment, I also discussed the issue face to face with the manager in-store, both call center and store manager assured me it would be corrected. It has not only not been corrected and credited to my account, the collections center calls my phone 8- 10 times a day. They call repeatedly even though I remind them the payment is in dispute. I also asked them not to call before XXXX since I work nights, they ignored that request.When I complained about the excessive calls the operator responded " yeah that tactic is quite effective. '' I have lost sleep and productivity at work due to the hourly calls. If I actually owed the payment it might not be so stressful but since I do not, it 's quite frustrating. I will attach receipts where I paid my bill and also screenshots of my phone call log, there 's is the only number so you can see how often they call. A quick internet search reveals I am not the only customer being harassed by this dreadful company. ( I had horrific delivery and installation issues as well but that 's for another forum I suppose )
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TD BANK US HOLDING COMPANY (CA)

I had a XXXX XXXX in XXXX Arizona run my credit and issue a auto loan to my cousin without my consent. They ran my credit in XXXX/XXXX/2015 and I never signed any consent for them to do so. I did not find out until XXXX XXXX sent me a letter stating that I had a new auto loan with them. As a result of XXXX running my credit TD Auto Finance XXXX XXXX XXXX XXXX XXXX MI XXXX also ran my credit without my consent.
Consumer complaint received 2015-08-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Halsted Financial Services, LLC. (OH)

Halsted called, asked for me, recording stated they were trying to collect a debt, press XXXX to speak with someone. I then spoke with " XXXX '' and he asked to confirm my name, I did, then he asked for the last XXXX of my SSN, at which point I stopped him and told him that before we go any further I wanted the full name of the company and their mailing address as required by law. He said he did not have to provide me anything unless I gave hime my last XXXX of the SSN. Again I asked him to comply with the law and give me their mailing address and told him not to call my phone number anymore. He said he did n't have to do anything and hung up. I do n't owe anything, I wanted to send them a cease communication letter. I also believe they spoofed their calling in number.
Consumer complaint received 2016-01-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

I 'm basically filing this complaint against TD Bank, just to set the record and get the facts straight with the following situation : On XXXX/XXXX/15, I went to the XXXX, XXXX XXXX XXXX TD Bank branch to make a deposit so that I would n't receive any overdraft fees but when I got there I discovered the branch 's ATM was malfunctioning and not accepting deposits. At that point in time I realized I was not going to be able to make it to another TD Bank branch by the cut off time of XXXX XXXX, to avoid being charged several overdraft fees. So at that point in time I called TD Bank 's XXXX customer service number and after waiting for over half an hour, I was finally connected to a live TD Bank customer service representative. I explained what had happened and that same TD Bank customer service representative told me that I had nothing to worry about as long as I made the deposit at another TD Bank branch, on that same day, before XXXX, and he assured me that he was going to note my checking account so if by chance I did receive any overdraft fees, they would be instantaneously reversed/refunded due to the malfunctioning ATM, which the TD Bank customer service representative clearly and endlessly kept referring to as a bank error. So the next day on XXXX/XXXX/15, I received {$140.00}, worth of overdraft fees so I called TD Bank 's customer service XXXX number back and I explained my situation, especially the note that had been placed on my checking account the day before by the another TD Bank customer service representative, to the new TD Bank customer service representative that picked up my call. After reviewing my checking account, the new TD Bank customer service representative told me that the note never mentioned, authorized or suggested that any overdraft fees should be reversed or refunded. So I quickly requested to speak to a supervisor. So after going back and forth with the TD Bank customer service representative and supervisor and also after they both, together, reviewed my checking account several times, they reversed/refunded the {$140.00}, worth of overdraft fees. But they stated to me that it was being done as a courtesy and that 's why I 'm filing this complaint. It should 've never been labeled, noted, called, referenced or posted in my checking account 's notes as a courtesy reversal/refund, it should 've been labeled, noted, called, referenced and posted in my checking account notes as a malfunctioning ATM bank error. I once again find myself in the same situation with TD Bank 's customer service department : I would like to know which XXXX of the XXXX TD Bank customer service personnel I spoke to and with over the phone on either XXXX/XXXX/15, or XXXX/XXXX/15, was once again very disrespectfully and unprofessionally misleading, misinforming and with conviving intentions, purposely lying to me????
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

To whom it may concern, XXXX recent credit inquiries showed up on my Equifax credit report. Called the creditor, they said they did not pull my credit. Disputed online on Equifax, Finished in one day and stated nothing can be done because they are " factual record of file access ''. Called Equifax, refused to provide any proof of the inquiry except the creditor 's name which I knew already. 
Told Equifax that the creditor 's stated that they did not pull my credit and Equifax should investigate again. Nothing was done and Equifax insisted that the creditor needs to contact them over business line only in order to get this removed. I then mentioned the Fair credit reporting act that if the creditor does not provide information, it will be Equifax 's responsibility to get in contact with the creditor and If the credit bureau does n't get a response either, it has an obligation to remove the disputed inquiry. Got no comment from the agent and still insisted that this is a legal issue and they ca n't say anything about, and insist to ask the creditor to call Equifax to get this removed. 
Refused to give me further help expect keep insisting to ask the creditor to call them over their business line which they refused to give me as well.