davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Over the last 8 years the banks keep asking why the federal agencies ( OCC, DOJ and CFPB ) keep requiring the banks to agree with consent orders but refuse to admit to any wrongdoing. Illegal foreclosures, charging fees above the legal limits, financing terms that are not beneficial to the the borrower ( s ), minimum efforts to keeping people in their homes during the Great Recession and not reporting accurately to the XXXX credit agencies are to just a few examples. 

My personal issue with Wells Fargo is not reporting accurately to the bureaus, discriminating against me for legally filing of a Chapter XXXX, not updating the policies on Reaffirment Forms that the bank is requiring in order to report accurately to XXXX, XXXX and XXXX of my payment history. Wells Fargo refused to accept the bankruptcy reaffirment document prepared by my bankruptcy attorney so therefore nothing is reported at all. As a United States citizen I had the right to file a Chapter XXXX, the United States Bankruptcy Court agreed that I was bankrupt and granted a discharge. Wells Fargo had every right to attend the Meeting of the Creditor during the bankruptcy and elected not to attend, I completed the proper bankruptcy documents and forms which included under " Part A '' to reaffirm the debt under " Property No. 2 '' listed Wells Fargo Home Mortgage with the " Described Property Securing Debt : as XXXX XXXX XXXX, XXXX, TX XXXX which is recorded in XXXX XXXX Texas. '' I have called on multiple occasions that I reaffirmed the mortgage. It would have been impossible for me to continue to hold the liability of the mortgage if I did n't reaffirm the mortgage considering it 's been 4 years since the Chapter XXXX was discharged. Wells Fargo has refused to accurately report the payments since the filing, and has stated that there will not be any future payment history reportings as well. This has harmed my scores which has prevented me to reestablish my credit and is costing me major financial harm. I have paid the monthly mortgage payments on time. I demand that Wells Fargo reports the pay history to all XXXX credit agencies as paid on time from the month that Wells Fargo stopped reporting up until today and every month until the mortgage is paid in full. 
Wells Fargo would have foreclosed on the property either following the laws or not if the mortgage was not paid in accordance to the terms on the Note if the loan was not paid. Why does Wells Fargo decided whether they should accept the reaffirment documents from the attorney or not and why did Wells Fargo not send the reaffirment forms to me or my attorney when they had the legal obligation to do so? 

This needs to be addressed in my favor and it needs to be address right now. I want in writing a letter showing that all three agencies have been sent the payment history from XXXX/XXXX/2009 until present with no gaps. I want this completed and to me right now, not tomorrow, no excuses and I want any and all fees with any charges to my loan removed. Now!!!
Consumer complaint received 2022-07-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Porsche Financial Services, Inc. (IL)

I opened an account with this company XX/XX/XXXX for {$93000.00}. The vehicle was a XXXX XXXX XXXX. The monthly payments were {$2300.00}. During the time possession of the car I got sick with XXXX XXXX in XX/XX/XXXX. I was hospitalized and was unable to continue to make payments on the car. I spoke with a Rep from the company and asked for a lower monthly due to being laid off from work. I was denied aide with the vehicle cost and was told that I was gon na have to go on the repossession list. At that time i was XXXX days late. The rep told me it would be on the XXXX day. A few weeks later I was able to return home and my vehicle was gone from the property
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX l received a package letter from the Bank of America (XXXX) stating the my Loan modification paperwork was not filed correctly and needed to be refiled and upon completion a check in the amount of $XXXX will be given to me after signing their new Loan Modification Agreement is signed. Countrywide Mortgage was my original Bank. XXXXcalls me every other day and this weekend a property appraiser from them dropped off another package of the same documents My addressXXXX FL. XXXX. XXXX. I have an appointment them XX/XX/2015. Should I cancel the appointment until l hear from you?
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I paid the property tax bill for this mortgaged property in error on XX/XX/22. The Treasurer 's Office for XXXX XXXX, VA sent a refund check in the amount of {$1000.00} to Citizens Bank on XX/XX/22. After multiple calls to Citizens Bank Customer Service between XX/XX/22 and XXXX, we have only received a refund of {$820.00} despite the fact that all loan payments ( including the escrow portion ) have been made in full and on time for the last 4 years. There is no justification for withholding a portion of this reimbursement in the escrow account controlled by the bank. There were sufficient funds in the escrow account when they made the tax payment, and they have been fully reimbursed by the taxing authority. 
Please assist us in receiving the full reimbursement we are owed. Thank you!
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 XXXX
Consumer complaint received 2015-07-23
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

Company that 's reporting to my credit file under false/unlicensed name. In my credit file it shows as " Campus Partners ''. However, this particular company does n't exist or registered any state. After some digging I found out they are registered as XXXX XXXX XXXX. 

The problem is this particular company does n't respond to any of letters I 've sent to prove the Debt.
Consumer complaint received 2021-03-27
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. (FL)

Experian is reporting someone elses name as mine. I have submitted dispute after dispute along with copies of my photo id to prove that I do not carry this name yet they have continuously refused to remove this information. My second issue is that Experian is reporting my 4 open student loan accounts as closed. This is false. Again, I have disputed this information by mail, online and by phone only to have them continue to overlook the disputes and continue to report the false information. Upon my call to Experian, I was told that this is information can not be updated. Experian is the only credit bureau that has not updated my score to reflect my true FICO score and in comparison to the 2 others is the lowest by at least 75 points due to their consistent reporting inaccurate information and refusing to fix the issue no matter the number of disputes submitted or calls. In todays climate and with the history of racism due to poor credit reporting practices towards people of XXXX, I can not help to feel that this is my current situation as what is happening makes no other sense. I have submitted countless disputes over this situation and others and I am now literally at my wits end with this. Experian needs to be held accountable for their poor practices. My second issue is regarding a surname that continues to appear on my report as well. I have disputed this information and have submitted photo identification to prove that this is not me! I have never gone by any other name than my birth given last name. I have never been married however they refuse to remove this name from my report as it is not my last name. I dont know what else to do at this point. XXXX and XXXX  have never hesitated to report my information accurately however this seems to be something Experian is not capable of.
Consumer complaint received 2016-10-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (MD)

This account is time barred debt. I have written to Midland and contacted the credit bureaus several times to no avail. It is being reported on all XXXX credit bureaus. I have included how they are reported on my reports.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has 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 a account without my written instructions. 

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 2015-07-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NJ)

I contacted Midland Funding on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. Since they did not remove the item within the XXXX days given by federal law, I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself, XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact CA Attorney General XXXX XXXX directly as well as file a complaint with the XXXX.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-02-25
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. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON XXXX XXXX XXXX XXXX XXXX XXXX the dates were XXXX, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (WA)

Midland credit management acquired my debt from a credit card company that had been charged off. They used an attorney to file a lawsuit against me. The attorneys reached out to me and we agreed that I would pay the debt. I paid the amount that the attorney asked for, for this account to be paid in full. 

I received a letter from Midland credit managements attorney, saying that the debt was paid in full. 

Now for several months, Midland Credit has not updated my credit report and is showing an outstanding balance even though the account was paid in full through their attorney. 

The attorney has said to contact Midland credit, and Midland credit has said to contact the attorney. I have disputed this several times through every credit bureau, and Midland credit continues to lie to the credit bureaus saying I owe them money and continuing to report an unpaid balance, that is false. 

this account is paid in full
Consumer complaint received 2022-07-19
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has 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 a account without my written instructions. 

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 2016-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: MOHELA (CA)

I have questions about the accounting transparency of both my previous and current loan servicers ( XXXX and XXXX, respectively ), regarding the way my payments are being applied to the balance and interest of my loans. 

In XX/XX/XXXX, I was informed that the servicing of my Federal loans was to be transferred from XXXX to MOHELA. I had been having some serious concerns about the way my payments were being applied by XXXX, and was unable to get satisfactory explanation either from their website, or via phone. When I found out that they were going to be transferring the servicing, I immediately emailed them ( via their website, as you ca n't send them a standard email ) requesting written statements, showing my payment history and how those payments had been applied, for the period that they had serviced my loan. 

Their reply : " Due to the transfer, the information you requested is no longer available ... Please contact MOHELA. '' So they suddenly are no longer required to give me records of what they 'd been doing with my payments ( over {$500.00} a month! )? 

I then contacted MOHELA, and requested that they mail me my records. Their reply, as of XXXX XXXX, XXXX : " We have submitted a request to XXXX to have my prior payment history generated. Please allow 7-10 days for this request to be processed and sent to you. '' I have now emailed and called MOHELA multiple times, and have yet to receive my records, as of XXXX XXXX, XXXX. 

Of note : the last time I spoke to a MOHELA representative, she told me that the company had taken over the servicing of something like XXXX loans from XXXX, and about XXXX of the borrowers had also requested their written payment histories. 

I am making full graduated payments on my loans, and when I checked the balance yesterday, it had somehow risen over {$7000.00} since I last viewed it a couple months back. As I said, I am sending them well over $ 500 monthly, and I would like an explanation of where my money is going.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

They 're ripping people OFF!! 18 % interest total for car {$25000.00} and change. I will be paying {$41000.00} after 6 years. Did n't really know what I was doing, I wanted to get a car on my own and I got qualify through them but after I figure out everything, I realize they were ripping me off and it was already too late. These people have no common sense and something has to be done.
Consumer complaint received 2015-12-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

I have a checking account with Wells Fargo. Yesterday, the bank authorized my auto insurance agency to withdraw funds from my account and bring my account into overdraft. I do not have Wells Fargo overdraft protection, therefore the transaction should have been denied. Instead, despite me opting out of overdraft protection, Wells Fargo authorized the transaction and covered my overdraft resulting in a {$35.00} service fee that once again brought my account into overdraft. In order to remedy the overdraft, I had my boyfriend transfer funds into my account covering the overdraft balance so I would not be charged any additional fees. We did the transfer the same day at around XXXX PST on a business day so there is no reason for the bank to charge my fee. Today, I woke up with a {$35.00} service fee for entering overdraft. The bank completely ignored my opt out just to take advantage of me and make a quick buck off of my account.
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management DOES NOT have first-hand knowledge of the account and failed to furnish the original wet ink signature of the assumed debt. 

Midland Credit Management is NOT in compliance with the Fair Debt and Collection Act. 

Midland Credit Management violates Federal 15 USC 1681-B. They DO NOT have permission to access my personal information such as my social security number. 

Midland Credit Management Inc. violates Federal Law according to 15 USC 6802 which states that a financial institution may NOT sell any personal information to a third party or affiliate. Midland Credit Management is reporting illegal activity when reporting my personal information. 

Midland Credit Management provided insufficient information ( per my request ) prior to the last hearing and was unfairly given another opportunity by the Judge to provide said information again which they failed to do.
Consumer complaint received 2016-08-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (ID)

Since XXXX 2015 I have paid {$620.00} in interest and {$230.00} in fees on a {$1000.00} loan. My balance two weeks ago was {$700.00} something and today it is over {$900.00}. My payments come directly out of my checking account. This is absurd. What can I do?
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are items on my consumer credit report that do not belong to me. I have sent the required document per federal law to have them removed including the FTC report, ID, proof of residency, and a letter including the accounts that must be removed. Transunion has already received all of these documents. It has been more than 4 days. They still have not removed these accounts from my consumer credit report.