davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XXXX XXXX XXXX closed an account for non use. As a result my credit scored took a XXXX point drop with Transunion and XXXX. Once again I have to deal with a drop in my credit score from action which was not of my own doing. this may adverse affect my ability to get a loan or a mortgage if I chose. What can be done to remedy this? This is patently unfair and seemingly and truly deceptive practice. It is absurd that I should be punished for an action I did not take and TransUnion allows to continue to happen.
Consumer complaint received 2020-09-10
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 — Their investigation did not fix an error on your report
Company: GATEWAY FIRST BANK (NE)

My ex husband and I finalized our divorce XX/XX/2020. He refinanced the loan on our previously joint owned home in XX/XX/2020. I have submitted multiple disputes as well as contacted gateway mortgage company here in XXXX. The disputes repeatedly state I am still responsible despite having submitted the refi paperwork and quit claim. The company essentially told me " we don't report every month so tough XXXX ''. I am looking to have this resolved as my current fiancee and I are going to be purchasing a home in the next 3-6 months.
Consumer complaint received 2015-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (KY)

I have a mortgage through Wells Fargo, which was a refinance in XXXX, and they modified my loan in XXXX, when I lost my job. I was current on my mortgage and remarried in XXXX. I moved to my husband 's home and we continued to pay XXXX mortgages, and attempted to do farming on the XXXX acre XXXX. We realized we could n't keep that up indefinably, so we went through a Realtor and sold it on contract at her suggestion. He stopped paying after about 6 months, so I removed him and rented it to someone else, who did the same thing. XXXX of these people trashed the place. I evicted the tenant, and since I have been unable to pay the mortgage, as we moved out of state, I have been trying to sell it on a short sale. We had XXXX decent offer, which came in at XXXX what I owed, and was refused. The appraisal they did on the property was a drive-by and did n't include any interior damage to the property. It came in at about what was owed on the property. My Realtor was disgusted and basically dropped the home after 6 months. I tried to contact my Home Preservation Specialist, but have yet to hear back from her, so I spoke to an associate and said I wanted to do a Deed in Lieu of Foreclosure. My response was the full Foreclosure Suit from the courts of the county the property. The XXXX is listed as XXXX Bank XXXX XXXX, as Trustee for XXXX Mortgage Loan Trust XXXX XXXX, Asset- backed Pass-Through Certificates, XXXX XXXX. What options do I have? I do not occupy the property, it is not worth what they say it is or what I owe on it, and they apparently do n't want to do a Deed in Lieu of Foreclosue. I have XXXX days- well XXXX now, to respond.
Consumer complaint received 2015-09-01
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OH)

Hello my name is XXXX XXXX and I. Am upset.. I have been trying to close on a short sale and was told that I could get up to {$3000.00} in moving cost at closing.. But was just told after I signed the paper work stating i would receive last week that this week I was n't entitled.. I have been in and out the hospital due to XXXX and staying at my sisters but maintaining the property, property insurance and still have valuables in the house ... I have been told for the last 6 months I was entitled to the exiting funds ... Wells Fargo has done enough to my family and I..i was a victim of predatory lending where brokers and Realtors went to jail, I have had to let the house sale for XXXX instead of them letting me purchase the home, and lol I 'm asking for is my exit funds of up to {$3000.00} .... On the paper i signed it states {$750.00} if we closed after closing date and then I would be entitled to the {$1000.00} if we closed before the closing date .... Also the law has changed it is now up to {$3000.00} for exit funds. I just want what 's do to me ... I still maintain the insurance on the property and my belongings are there ...
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (PA)

I recently was the victim of identity theft and had over XXXX XXXX dollars charged to my U.S. Bank credit card. My bank removed all of the fraudulent charges and issued me new card. Now I see on my statement that they have reinstated XXXX fraudulent charge for {$2400.00} ( see attached ) I called card company at XXXX with my XXXX to ascertain what happened. First spoke to XXXX who was rude and not helpful, finally was transferred to fraud dept. Lady we spoke to would not give her name or agent i.d . and finally put us on hold and hung up on us. The fraudulent charge of {$2400.00} took place in XXXX 2015 in XXXX 2015 I was charged nearly {$20000.00} by XXXX XXXX for a host of products that were shipped in my name to Florida. When I notified my card issuer they immediately removed the fraudulent charges and issued me a new card. Now they have put the {$2400.00} fraudulent charge back on my account from XXXX another Florida company and as far as I know part of the same scam. I did NOT at any time authorize the listed charge and by bank knows this. I want U.S. Bank to know that I want to file for arbitration or will seek my own legal remedy if they do not make my account whole. That was what I was trying to state when I called in but never got the opportunity due to the unprofessional and rude agents I had to deal with.
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

XXXX   XXXX   XXXX  Attorney at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The company dropped of a summons with all my personal information exposed in an attempt to collect a debt.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MS)

Received foreclosure sale letter from foreclosure attorney for my property. How do you receive a foreclosure letter when your Bankruptcy has not been dismissed. I was forced to file bankruptcy because I was hospitalized and shortly after I was released from the hospital my husband was hospitalized with a massive XXXX XXXX. We both have been affected by covid-19. My mortgage servicer has refused to assist us with mortgage assistance. we have been given the run around and misleading information. Spoke with Selene Finance customer service because I sent them request for mortgage assistance with our financials XX/XX/2021, I was told the documents were received but the file was closed because it was not 37 days prior to foreclosure sale date. I asked how could they close my file when I was still in the bankruptcy? Her response was Selene was unaware I was in a Bankruptcy??????? 
We don't want to lose our home Please Help
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Credit card balance has always been paid on time, never late. XXXX XXXX XXXX, I started having issues with Capital One stating I had not paid my balance. When this would happen I would directly contact my bank which would in return send the necessary and requested statements to Capital One showing the tracking number and when the payment came out. In late XXXX XXXX, Capital One contacted me stating again that my account was past due. At that point I thought the best option was to pay the balance ( again XXXX and according to Capital One they would issue me a refund check once the initial problem had been resolved along with the accuring interest that would totally just over {$900.00} for everything. Every time I called Capital One I would get another story about them processing the paperwork and that my refund and new card would be issued within the next month. Every week I would contact them and find out what the update was. I have been in contact with the fraud department at Capital One since XXXX XXXX and I have yet to receive my refund or my new card. I also asked if they had cleared my credit the the XXXX main bureaus because I did not what it to be affected because of something that was out of my hands. Over the past month I have called Capital One almost on a daily basis to see what the hold up is and this past week XXXX XXXX, XXXX, I was told to expect the card and refund by XXXX no later than today. At XXXX p.m. XXXX XXXX XXXX I realized that yet again I have been lied to about what is actually going on so I called and spoke with the company yet again. This time I was informed that they could see a card had been issued but no tracking number could be found. I also asked about my XXXX XXXX considering I have spent some time improving it. 

I just want my credit cleared and my refund issued back at this point. If you could look back at my payments with Capital One you will see that all my payments were paid immediately after a purchase cleared.
Consumer complaint received 2024-01-30
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 (MN)

XXXX I submitted a XXXX certification form online on my MOHELA account XXXX I submitted the following message to MOHELA : Hello, I submitted an updated XXXX certification form about XXXX month ago. Can you provide an estimate for when my payment tracker will be updated? Thank you very much! XXXX XXXX I received the following response : " Thank you for contacting MOHELA, We apologize for any inconvenience this may have caused. We received your XXXX application XX/XX/year>. We are processing XXXX applications by date received due to the influx of applications being received. You will be sent notification after the processing is complete. If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX, Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX Thursday and Friday XXXX XXXX XXXX XXXX XXXX CT. Thank You, MOHELA XXXX I am still awaiting for the form to be processed. Employment and childcare decisions hinge on an updated XXXX payment count, as that determines when my loans may be released and when I may be free to work for a for-profit employer.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX, the company that services my 2 student loans has been reporting on my Equifax report for over a year that I have 4 student loan accounts. I have disputed them with the credit bureau twice and they have verified it as correct. I contacted XXXX once and they did nothing. This time they added another account. Now my credit report shows 6 accounts. In addition I provided them a copy of a letter from The Department of Education stating that my student loans have been forgiven as of XXXX23. They are still reporting and trying to collect a balance from an account that was forgiven due to XXXX.
Consumer complaint received 2020-06-01
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)

ftc violations inqurires XXXX  XXXX XXXX. {$4700.00} {$2600.00} XXXX inquires all besides above 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 2017-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MA)

Company is re porting on all  XXXX  credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA ''
Consumer complaint received 2018-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (IL)

XXXX XXXX repossessed the vehicle on XX/XX/2018. We reinstated the loan on XX/XX/XXXX, which included the repossession fees of {$700.00}. There was to be another {$120.00} that would be billed at a later date. That was told to us by XXXX and the company the repossessed the car, which was fine. Since we reinstated the loan, XXXX has charged an additional {$700.00}, {$15.00}, and {$170.00} respectively at different times. There has been no explanation as to what the fees are. They are placed under " other ''. I have sent XXXX 2 different letters disputing the charges and they have not responded. As you will see through the documents provided, all past due amounts, late charges, and repossession fees were paid on XX/XX/XXXX ( please see " transactions '' ) I paid the exact amount they said in their certified letter that was needed to reinstate the loan. ( see reinstatement letter ) In addition, I have provided the statement from the repo company that all fees are to be capped in {$120.00} ( see vehicle release fee cap ). Finally, as you will see through my documentation, XXXX has failed to produce a statement for me since XXXX ( see statements ).
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (KS)

I have XXXX collections accounts in my credit report, XXXX for the same collection agency, and both to the same original creditor ( for nearly the same amount ). I have requested confirmation of ( and information for XXXX both of these accounts by certified mail, and I 've received NO response from the agency.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

GreenTree/aka Ditech XXXX XXXX XXXX XXXX XXXX XXXX sold our mortgage to GREEN TREE who never notified us we had no ACCT # when we found them with the help of XXXX they took all of our next XXXX payments & applied it towards interest? 6 mnths to straighten that out!! Green Tree than with held our disability/accidental insurance payment in UNapplied Funds ... 3 mnths to FIX!! Talking to our XXXX insurance now we pay them direct & we spent another mnth getting the funds we paid to GT that was for insurance!! Than they pertain to buy us insurance they said we had no homeowners .GT was now going to bill us for more expensive insurance!! I took the letter to our insurance Company from XXXX to XXXX my insurance company FAXED the paper work 6 times & GT kept saying they were not getting it!! They keep our over payment in UNAPPLIED FUNDS They request & MAKE ME FAX & send CERTIFIED letters $ $ $ $ cost me lots of $ $ $ to put it in writing to ask them to apply my payment to our PRINCIPAL ... so we are being CHEATED on our Balance because FUNDS ARE HELD BACK. Than they really SCREWED with our ESCROW CHECK & XXXX off our Treasure played games saying they have XXXX 'd the check..when they never did. Now they billed me {$150.00} for an over payment on Escrow and when I was requested to send that out it was NEVER FOUND/or Applied to our loan when GT/DITECH researched this my Representative From GT had given us the wrong XXXX XXXX XXXX for XXXX CA ... our principle is off!! Interest # s off!? payments not applied when received? Months of never receiving a STATEMENT so we could not see our BALANCE!! NIGHTMARE CITY that is what GREEN TREE/DITECH/ XXXX COMPANY HAS DONE WITH OUR MORTGAGE ..BUT I have the letters..the documentation the WITNESS 's & paper trail GALORE to back all this up and it is my Goal with the thousands of other people being treated this way & you can read their story 's on line just by punching in GREEN TREE!! They have a whole XXXX LINK HEADER STOP GREEN TREE? DITECH/XXXX COMPANY!! This is the worst Company EVER to get a LOAN FROM!!! Two Years every 30 days we have to call to get our unapplied funds applied to our principal this Company is CRAZY ..you get XXXX number XXXX..you are either put on hold, transferred or hung up on!! The one day they put me on hold & went home? Found that out when I called back the next day!! There are XXXX Links that I found with people /strangers from CA to Pennsylvania to Florida & I am in Wis. that tell my story on line and I do not know them? This Company needs to be shut down!!
Consumer complaint received 2022-02-04
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. (NY)

The following ( Experian ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting XXXXm reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US) (MO)

I received a letter saying I owed money to XXXX from Allied International Credit Corp. The letter is a SCAM. I do not owe any money to XXXX, I have n't used my XXXX account in 2 years and logged into my account to validate I have a XXXX balance with XXXX. Internet search reveals the same SCAM has occurred several times to other people. This SCAM uses up to date name and address info and comes across as a very real collection letter.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (SC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (NY)

This XXXX/SYNOVUS XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX/SYNOVUS XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

in accordance with the fair credit reporting act. the list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account XXXX XXXX has violated my rights. 
XXXX  account XXXX XXXX has violated my rights. 
XXXX  account XXXX XXXX XXXX has violated my rights. 
XXXX  account XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Sates 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act. XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX, has. violated my rights.
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (AZ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXXdentity Theft Affidavit. Please delete the items as soon as possible.