davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (CA)

On XX/XX/23 my account was compromised and 7 unauthorized transactions were made that night at XXXX totaling {$830.00}, completely emptying my account. I texted Albert that night because they have no customer support number, to freeze my account and stop the pending transactions. I was told I had to wait until the transactions finalized in order to file a dispute. They finalized the next day and I filed my dispute. Today XX/XX/23 I was notified by Albert that my claim was denied because the transactions didnt indicate fraud. I did not authorize the transactions and the transaction pattern does indicate fraud. I asked to speak to a supervisor but was responded with automated prompts that did not address my concerns.
Consumer complaint received 2020-03-12
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: ALLY FINANCIAL INC. (NJ)

After Ally Financial Bank charge-off and also closed this account on the XXXX XX/XX/XXXX and sell it over to XXXX XXXX XXXX on the XXXX XX/XX/XXXX together with all my confidential personal information ( Federal crime and private right violation ), now Ally Financial Bank decide after my complain and disputes to report to the credit agencies Negative information for the month of XX/XX/XXXX. HOW IS IT POSSIBLE THAT AFTER ALLY FINANCIAL BANK SOLD THIS ACCOUNT AND CLOSED MORE THEN A YEAR AGO, NOW THEY STILL ARE REPORTING WRONG AND NEGATIVE ITEM ON MY CREDIT REPORT, AFFECTING MY CREDIT IN A NASTY  NEGATIVE MANNER AND IN CONSECUENSE ALL MY LOANS, CREDIT LINES AND CAR APLICATIONS ARE BEING DENIED DUE ALL THIS NEGATIVE REPORTING OF ALLY FINANCIAL BANK ON MY REPORT.
Consumer complaint received 2022-03-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (AL)

I received an adverse action notice in my email from westlakedirect.com that I had been denied for a loan. I never applied for a loan with this company. I have tried calling this company several times. I was told to call XXXX but no matter what option I choose, I get a message immediately that no one is there to answer. I have had to freeze my credit with the credit bureaus. There was a file attached called an adverse action notice telling me that I had to use the last 4 digits of my SSN as the password. I did not open the document.
Consumer complaint received 2020-04-19
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. (TN)

The complaint involves XXXX  ; XXXX  and Experian. The attached complaint outlines the particular instances wherein each reporting agency refuses to make corrections, damaging my creditability and interfering with trade.
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MoneyLion Inc. (TX)

I communicate with you by this means since I have been presenting certain problems for years with the company moneylion inc, they have on several occasions decided to close my account without any justification, even I sent them the documents required by them, specifically my XXXX  account presents a balance of {$22000.00} dollars, which have been withheld since XX/XX/2020, I need your help to be able to restore my account or be able to recover my funds without the injustice that this company commits with its users.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2023 I XXXX XXXX XXXX returned merchandise bought at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, CA XXXX which the merchant issued me a receipt of refund of {$3500.00} going to my Coinbase debit XXXX card ending in XXXX. I have already spoken to XXXX XXXX multiple times and they confirmed that the refund went through with approval # XXXX. My Coinbase card has been deactivated since them and no longer have access to any of my funds there. I spoke to Coinbase multiple times and ensures me that no refund was issued and that my card is working. I need access to my funds.
Consumer complaint received 2022-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC (TX)

My car was totaled in an accident. The other drivers insurance paid for the car and my gap insurance paid in full. I am receiving on my credit report and amount of {XXXX} that can not be explained to me. The car was totaled and was pay off by the other drivers insurance. This occurred in 2016 and now this is appearing on my credit.
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2016-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (OH)

I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERCC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I called numerous times throughout the years previous to my house being sold to inquire about my PMI still being applied.It should have fallen off long before the sale of my home. My accountant was upset about it. Was told that Wells Fargo based PMI on current value of the home opposed to the value at time of purchase. This was not fair business practice. My mortgage was purchased by Wells shortly after I refinanced it in 2011. They are not to have different terms than every other lending institution. I believe they overcharged me thousands in PMI.
Consumer complaint received 2016-10-03
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: CIT BANK, NATIONAL ASSOCIATION (NY)

My parents ( XXXX and XXXX XXXX ) had a reverse mortgage on their property at XXXX XXXX XXXX XXXX XXXX XXXX. This reverse mortgage was recorded with the City of XXXX from XX/XX/XXXX-XX/XX/XXXX. My father passed away XX/XX/XXXX. My mother repaid the mortgage on XX/XX/XXXX. My sister and I want to put the property in our Mom 's name. Due to doing a title search. There is still an outstanding lien. The Financial Freedom Company has not completed the process of submission to the City of XXXX.
Consumer complaint received 2016-11-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC (FL)

I applied for a XXXX loan with Bigpicture loans, and to date have paid back approximately1000 I have advised the company that paying back more money is creating great financial hardship but they are not interested in helping to eliminate this debt. To fulfill the terms of the loan that I was a little unclear about when I applied, I will have to pay another XXXX in payments. My bank account is being drafted every 2 weeks and I am unable to continue with these payments.Please help
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

Disputed the XXXX bankruptcies showing on my report. Equifax deleted the XXXX bankruptcies and later the same day placed them back onto my report. No five day notice received informing me of the lines being added back to my credit report.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (NE)

I have for the last XXXX3 years been billed for credit monitoring thru XXXX and equifax. The amount billed to me monthly is XXXX. The score reported thru XXXX and equifax has never matched the score reported to financial institutions when I applied for a loan and they pull their own report. This makes absolutely no sense. If I am told I have XXXX credit score and everyone publically states on websites and commercials " know your score '' then why is the score they tell me I have under the repirt they give me any different from the report these XXXX credit services give to lenders? 

Exactly how many credit scores does a person have? 

This is rediculous and not explained to me by the reporting agency or lenders at all. 

What was the point of paying for this if the information isnt the same? 

XXXX score should mean exactly that. 

And these companies control the info as to who gets a loan and at what rate because of the scores they generate. Apparantly different depending on who is asking for it ... its utterly confusing and misleading and rediculous. XXXX credit score should mean XXXX credit score period. 

I cancelled my XXXX subscription tonight only to be told by the XXXX rep that it wont be cancelled until another 10 days from now??? And it took me 10 mins of saying no to various " can we keep you for this reduced price or other service '' questions not to mention talking down to me that I will lose a life lock monitoring service if I leave them .... ummm ok done means done and cancel means now not 10 days later. 

Paid for nothing in my opinion. Complete waste of time and money. 

And the reporting of different scores depending on if you are an individual vs a lender is completely misleading, confusing and upsetting! XXXX score should mean exactly that. This whole system needs a review and makeover!
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Dear Sirs, We bought our home XXXX yrs ago with XXXX at 11.5 %. We found out shortly after that we were under a preditory loan and could not afford our payments. We tried to sell XXXX after and in that time XXXX went under and our loan went to XXXX. So we had an immediate offer but XXXX turned it down. then a more serious offer came But XXXX turned that XXXX down also! We were sent forclosure papers and sought bankrupsty, when we were hit with the final payback plan and the amount to start our loan again -we could not afford that so we never went to court. We found an expert through XXXX XXXX. We thought finally this would end. It took months to write a wonder proposal and we submitted to XXXX. However they turned it sown and came back with we will put late pymts top end of loan and made us sign papers. The pymnts were more! So then XXXX sold our loan to SLS without our notice. In XXXX I started talking to them and they sent me forms to apply for programs to lower our rates. They said we would not have to make mort pymts while waiting for approval. I was turned down, They imm sent another program offer and another XXXX months went by waiting for approval. Same thing, Turned down. Then another, and yet another. XXXX yrs went by and many months of getting on the phone with them and they say oh we have the papers it looks like you qualify just wait for approval. XXXX XXXX XXXX I got my XXXX not qualified and I screamed at them. They knew full well the math and paper work was all the same but by now we were XXXX yrs behind in mortgage. So they offered us trial agreement by novemeber XXXX ; XXXX XXXX XXXX I borrowed money to start trial. By XXXX I could n't for my life provide enough for mortgage and home expense. I tried but the pymnt were just too high. I asked for a DEED in Lieu. They sent me paperwork talked to them on phone. I sent them document. They come back saying you have to put your house on market. I say you did not say that! So I put it on market. Since XXXX XXXX my house has been on short sale I am now XXXX in the whole. We had a CASH offer in XXXX and guess what SLS turned it down! I have asked and send requesting the DEED in Lieu again however I have had no response. I have called them and they say they can not talk to me because the XXXX lawyer is the only XXXX they will talk too. 
I have spoken with XXXX of companies over the yrs regarding help. Some legit some dont do anything neighborhood housing, XXXX, XXXX or whatever. Our income is the same I am XXXX broken over this and I feel stuck in this hole. My husband became XXXX too XXXX and pray for help daily- XXXX has kept us here for a reason. I have just begun to seek higher appropriate considering a mortgage lawyer wont even help. I will also search FOC, FCC, FTC, OCC, and other state officials. Please respond with any search or contact that might help. Or maybe You are the end to this nightmare. Please HELP!! 

Sincerely Hoping
Consumer complaint received 2020-04-19
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. (TN)

The complaint involves XXXX  ; TransUnion and XXXX. The attached complaint outlines the particular instances wherein each reporting agency refuses to make corrections, damaging my creditability and interfering with trade.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MN)

I am steady receiving harassing, threatening, abusive telephone calls, and death threats from Wells Fargo Bank debt collectors for a debt and checking account that do not belong to me. I have never applied or opened a checking account with Wells Fargo Bank. The checking account was opened in my name illegally and fraudulently, because someone stole my identity and personal information. I am a victim of identity theft.
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

I Have contacted Discover multiple times via certified mail to inform them on the fraudulent account that they keep attempting to collect on. I was a victim of identity theft where my information was used to sign up for an unauthorized credit card. That credit card was fraudulently used and accumulated a balance and was later defaulted on. I sent the identity theft paperwork to Discover several times, yet they continue to harass and threaten me with demands of payment and continue to furnish fraudulent information on my consumer report that is harming my reputation and damaging my ability seek employment. I have never validated any debt owed to Discover and dispute all allegations of the alleged debt. I have repeatedly ask that Discover send me original documents of the contract that was allegedly signed in writing. They have never done so leaving the assumption that they are incapable of providing this documentation. I am asking that you please assist with the removal of all accounts associated with Discover from my consumer credit report. Thank You.
Consumer complaint received 2020-04-19
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: Experian Information Solutions Inc. (OH)

To Whom It May Concern, The reason for my dispute is THE FOLLOWING ACCOUNTS HAVE NEVER SENT REQUESTED LEGAL DOCUMENTATION THAT I NEED FOR MY PERSONAL REVIEW : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all of them were required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, they failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) they failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation these third party collectors are held liable as well for defamation and in the state of XXXX   indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with XXXX  LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. none has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have credit card from XXXX XXXX that was issued by XXXX XXXX bank. In XXXX XXXX, i got a call from XXXX XXXX that i was late on payment. I told them, i have n't received account statement via email for which i subscribed. I provided the document evidence and paid of the balance in full. XXXX XXXX account was reported as late payment on XXXX credit bureaus. I called XXXX XXXX and they promised to send the " Pays as agreed '' status to the XXXX credit bureaus. The status of XXXX XXXX account was updated to " Pays as Agreed '' on XXXX XXXX XXXX on all XXXX credit bureaus. XXXX and XXXX has removed XXXX XXXX from negative accounts. My credit score is being reported correctly. However, Equifax did n't remove XXXX XXXX account from negative accounts even though the status was updated to " Pays as Agreed ''. I filed a dispute with Equifax on XXXX/XXXX/XXXX to remove XXXX XXXX from negative accounts category. The online status shows as pending on the dispute as of XXXX/XXXX/XXXX. I called the Equifax consumer support. They were saying they ca n't remove the account from negative accounts. It is frustrating why Equifax is denying to remove the account from negative account list even when XXXX XXXX reported the corrected status of " Pays as Agreed '' on XXXX/XXXX/XXXX
Consumer complaint received 2023-03-29
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2018-05-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (WA)

Per XXXX of this company said they are owned instructed by Ocwen to foreclose on said property.

Ocwen is in the middle of a loan modification to save our home.

The first time XXXX XXXX left documents they were placed on the front porch and flew all over the neighborhood.

Display for the neighbors This time taped on the front door
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I sent a dispute letter to Transunion in XX/XX/XXXX regarding incorrect accounts. I received a report back XX/XX/XXXX all verified through automated code. I sent 2 more requests for reinvestigation and method of verification. I sent them both through certified mail and they were received XX/XX/2016 and again XX/XX/2016 and I have not received any additional information. There has not been any verification. These accounts need to be deleted XXXX
Consumer complaint received 2020-03-11
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: SLM CORPORATION (CT)

I already reached out to SALLIE MAE BANK INC and notify them of their error posting of information on my report. I requested for Method of Verification but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hello good evening I was just following a complaint against Trans Union credit bureau in a couple months or a month I have credit monitoring so monitors my credit I received a Trans Union alert saying a delete it XXXXinquiries or XXXXinquiries from my credit report and they were reinserted back into my credit report the next day this impact in my credit report.I call customer service on Trans Union and told and explain to them i was a victim of the inquiries.I have alerts saying that they were removed from Trans Union, customer service did not want to do anything about it so I 'm complaining with the consumer financial protection bureau. under section 611 anything that is removed from your credit report can not be reinserted back and transunion is to give you five days notice that is going to be back in your report they did not do that the violated the law and I explain that to the customer service and they did not care to do anything about it.