davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OK)

My wife and I divorced in XXXX of XXXX. I given full custody of my children and I awarded full ownership of our house. In XXXX of XXXX when covid happened I lost my part time job and lost hours on my full time position. I applied for a forbearance plan with Mr. Cooper. After my forbearance plan ended this year I turned in all of my paper work for my loan modification and it was approved and It did not require my Ex wifes signature. They told I needed sign some finally documents and they could send a notary out to my house. I signed the documents in early XX/XX/XXXX. They were rejected because my ex wife did not sign the papers. I dont know where she lives or who she works for. I have zero way to track her down. I have asked her on numerous occasions to sign a quit claim deed and she denied. I told about the notary and she denied to sign that. Mr. Cooper has given no solution on what I can do. I believe they trying to unfairly force foreclosure on my house. In the month of XXXX I have spoken to Mr. Cooper at least twice a week trying to come up with a solution. My ex wife finally booked a XXXX XXXX in Texas over XXXX week and took the kids I called Mr. cooper and booked a notary to come out to the place she was staying but the appointment was never confirmed and a notary never showed up. I feel like Mr. Cooper is trying to force a foreclosure on my house. In our divorce decree it states that if XXXX refuses to sign that our decree will work as a conveyance of property. I sign the notary paper on XX/XX/XXXX. I havent heard from my ex wifes since XX/XX/XXXX. Thank you
Consumer complaint received 2021-12-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (KY)

Receivables Performance Management called my cell phone from XXXX. I returned the call and RPM immediately began asking questions about where I lived, last 4 of social security, mailing address. I asked what the call was about and requested verification of any debt owed, to which they responded they could not give out that information. -- -- - To be clear, I do not owe any debt, and the address they had for me was for a rental property I own.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Account number XXXX Account status Open Date opened XX/XX/2021 Account type Auto Loan Paid Off : 2 % Balance on XX/XX/2021 Loan Amount {$89000.00} {$92000.00} Payment Info Status Current, was past due 30 days Status date XX/XX/2021 Past due amount - Original loan amount {$92000.00} Monthly payment {$1400.00} Late payments XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - - - - - - XXXX On Time My family has been afflicted with XXXX several times. I still managed to make my payments. XXXX posted my payment late but I paid before the 30th day. 
Capitol one credit card was paid off, then posted interest of XXXX dollars and did not notify me and this was after the card was closed. 
XXXX is completely paid in full and I never received any bill or notification that my bill was due. 
XXXX also reported late inaccurately even though I notified them that I was quarantined with XXXX. 
XXXX XXXX  report of a late is inaccurate. I paid before the 30th day. 
XXXX did not update my report on my XXXX XXXX account to reflect a XXXX balance after I paid in full before XXXX report. Also report of payment is missing for XXXX, XXXX and XXXX, all paid on time! 
I disputed the late payments on my prior student loans because I was displaced during a federally declared disaster. Still not updated. 
During the months I had XXXX and when my family did as well we were quarantine so I could not do anything until I was well enough to talk and go to my bank. 
XXXX ; XXXX reported late payment. Payment wasnt late and XXXX XXXX updated. Please see XXXX for accurate information. 
As Americans navigate this declared disaster none as Covid 19 it just seems reasonable to grant some grace to consumers who are earnest. Ive been sure to pay all my bills.
Consumer complaint received 2024-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc (IL)

Rented XXXX Paid for one day, paid in full. Company ran credit card twice, two separate days and kept attempting to charge credit card for different amounts in different days. Sent emails of random different receipts that were not when or what we rented. Dates, times and amounts all different. Stole credit card info. Had to cancel credit card to get them to stop charging my card and after got a collection letter then for another different amount. After several attempts to stop the harassment, we keep continuing to get harassed. This was found and proved to be fraudulent activity.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

Over 3o days I sent over a re-investigation letter to Experian in regards to the Bankruptcy that is reporting on this credit file. This bankruptcy does not appear on any other bureau but this one. They have failed to respond to my letter within the requested time frame. I asked them to send me over any paperwork in regards to how this account was verified and they did not do so. 

I am requesting that the paperwork be sent over to me to how this account was verified, the exact day it was verified, the person that they spoke to, and the name of the business that they verified this information with. 

This would be my 3rd complaint filed in regards to this file. I will be pursuing legal action. I have already provided proof that the court does not share my personal information. This is a violation to the FCRA section 623 XXXX XXXX XXXX XXXX us court of appeals for the XXXX XXXX court case XXXX XXXX XXXX XXXX XX/XX/1997, filed ( XXXX No. XXXX ). This is considered defamation and willful injury. I will get {$1000.00} for every one of these violations.
Consumer complaint received 2016-02-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

To Whom It May Concern. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In A Befitting Manner And With A Humble Submission Would Like To Inform you that we " XXXX & XXXX XXXX '' are the customers of Wells Fargo Bank since XXXX till date.We have Bussiness, crown checking ( XXXX ), Safe deposts vault ( XXXX ) and more than anything we have PRIME EQUITY LINE AND HOME EQUITY LINE OF CREDITS WITH THEM. SINCE WE BORROW THIS MONEY FROM THE BANK IT NEVER HAPPENED THAT WE MISSED ANY PAYMENT, NEVER HAPPENED THAT WE MADE UNDER PAYMENT FROM THE MENTIONED AMOUNT INSTEAD WE ALWAYS PAY MORE TO REDUCE THE PRINCIPAL. 
WE PAY ONLINE ALWAYS FROM OUR CHEQUING ACCOUNT. WE MADE AN APPEAL TO THE BANK, '' SAYING INSTEAD OF MAKING XXXX PAYMENTS FOR THE SAME BANK, SAME CUSTOMERS PLEASE MERGE THESE XXXX ACCOUNTS IN XXXX SO THAT WE CAN MAKE XXXX PAYMENT WITH A FIXED RATE OF 30 YEARS INTEREST. NO MATTER WHAT IS OUR CURRENT INCOME, WHAT WILL BE OUR FUTURE INCOME AND WHAT WAS OUR PASSED INCOME BANK DOES NOT NEED TO BE WORRY, WORRIED OR WOULD BE WORRY FOR ITS PAYMENTS. 
AFTER SUBMITTING ALL THE DOCUMENTS THEY HAVE TURNED OUR REQUEST DOWN SAYING SINCE IT IS A NEW APPLICATION WHICH IS NEITHER A DEBT CONCILIDATION ACCOUNT NOR ANYTHING ELSE IN THAT NATURE EXCEPT THE MERGING OF XXXX ACTIVE LINE OF CREDITS ACCOUNTS WHER ALL REMAING PARAMETERS ARE THE SAME.TO US WE STONGLY BELIEVE THAT THE DECISION WAS NOT TAKEN IN A PROPER WAY THE WAY IT SUPPOSED TO BE.WE ARE VERY PROUD THAT WE IARE IN BANK 'S VERY GOOD CUSTOMERS LIST. BUT WHERE IS REWARD OF BEING LOYAL? WE BELIEVE THAT THIS APPEAL HAS NOTHING TO DO WITH OUR INCOME, CURRENT PRICE OF THE HOUSE OR ANY OTHER THINGS IN OUR OPINIONS AS LONG AS BANK IS GETTING ITS PAYMENT. 
WE WOULD HIGHLY APPRECIATE WITH YOUR HELP IF WE CAN HAVE THIS PRIVELLIAGE OF HAVING THESE XXXX ACCOUNTS IN XXXX WILL BE A GREAT VICTORY FOR US AND IN THE LONG RUN WE BELIEVE THAT THE NEW SINGLE LOAN WILL BE PAID OFF MUCH MORE FASTER AND WILL ALSO BE ABLE TO SAVE MONEY. 
THANKING YOU IN ADVANCE FOR YOUR COOPERATION & UNDERSTANDING SINCERELY XXXX ; XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (GA)

Credit limit wont be increased. Credit limit was actually decreased in 2019. Limit went from {$2500.00} to {$300.00} with a random credit pull and lack of utilization.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

Account number XXXX Account status Open Date opened XX/XX/2021 Account type Auto Loan Paid Off : 2 % Balance on XX/XX/2021 Loan Amount {$89000.00} {$92000.00} Payment Info Status Current, was past due 30 days Status date XX/XX/2021 Past due amount - Original loan amount {$92000.00} Monthly payment {$1400.00} Late payments XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - - - - - - XXXX On Time My family has been afflicted with XXXX  several times. I still managed to make my payments. XXXX posted my payment late but I paid before the 30th day. 
XXXX XXXX credit card was paid off, then posted interest of XXXX dollars and did not notify me and this was after the card was closed. 
XXXX is completely paid in full and I never received any bill or notification that my bill was due. 
XXXX also reported late inaccurately even though I notified them that I was quarantined with XXXX. 
XXXX XXXX report of a late is inaccurate. I paid before the 30th day. 
XXXX did not update my report on my XXXXXXXX XXXX account to reflect a XXXX balance after I paid in full before XXXX report. Also report of payment is missing for XXXX, XXXX and XXXX, all paid on time! 
I disputed the late payments on my prior student loans because I was displaced during a federally declared disaster. Still not updated. 
During the months I had XXXX and when my family did as well we were quarantine so I could not do anything until I was well enough to talk and go to my bank. 
XXXX ; XXXX reported late payment. Payment wasnt late and bmw financial updated. Please see transunion for accurate information. 
As Americans navigate this declared disaster none as Covid 19 it just seems reasonable to grant some grace to consumers who are earnest. Ive been sure to pay all my bills.
Consumer complaint received 2017-02-10
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

A basic payday loan from Advance America have done it several times before. This time around the XXXX of the month I receied an over draft notice from my bank. ( {$300.00} ) causing several checks to bounce. Normally I go into their office and pay what I owe. Due on the XXXX of the month. So deep into the month I thought no more about owing them. When his happened it caused chaos ; I sent a fax message to this manager advising what had happened. I heard nothing more from them. Except a credit from them for {$300.00} appeared in my account. When I took out this loan we discussed the payment date. Which was the XXXX of the month. On XXXX XXXX there was a withdrawal from Advance America which caused problems for me. On the XXXX when they attempted to withdrwal the funds there was a Retry note stated on my bank account. My fax asked what did that mean. Never got a response. I 've told them I expect my fees to be paid. For there was no reasom for their actions. They had a check they used to cash it on the XXXX. I have no idea what Retry was about. I am nt disputing any debt that may have been owed, Frankly I do n't quite remember. But what they did was fraudulent. I 've been their customer for 3 years. This time their XXXX female manager had issues about my pay day date. We settled on the XXXX. But their withdrawal occurred on the XXXX Part of our discussion was if the XXXX Loan was a 30 day loan? My loan was under 30 days taken out! Please be advised that I am deaf. The easiest way to communicate with me is by email, text or USPS.
Consumer complaint received 2016-01-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (VA)

I had a loan with Honda Financial Services since XXXX. I paid timely and was never late. I paid this loan in full in XXXX of XXXX. This vehicle was purchased with proceeds from the XXXX XXXX XXXX XXXX. So my obligation to Honda Financial Services ( HFS ) ended and the debt was completely liquidated at that time. I have documents to support this. 
After that fact, HFS paid an amount for vehicle taxes of approximately {$690.00} and sent me a bill. I did not agree that I owed that money to the taxing authority and liquidating that tax debt could undermine my ability to get it corrected by the taxing authority. I believe the tax was calculated incorrectly. Nevertheless I paid HFS but not after they reported me as being 30 days late on the account : an account that was paid in full. I never gave them permission to reopen the credit, nor to pay these fees on my behalf after they had no further right, title or interest in the property. I have been billed separately by the County of XXXX for taxes due on this vehicle. The amount paid by HFS is not a legitimate debt ; is related to a loan that was paid in full and they " reopened '' the credit, on a non-revolving account without my consent and without lawful authority. I sent a letter with return receipt requested with supporting documentation. The matter was removed from my credit at that time. It has since reappeared, so I asked that it be removed. Now Honda claims it is legitimate! This is a blatant violation of not responding timely ( within 30 days ), removing the item and XXXX causing its reappearance. 
Moreover, it is not a legitimate debt. I paid that loan in full in XXXX of XXXX. How can I possibly have been 30 day delinquent in XXXX XXXX. Please help me regain my good credit. Please guide me in any further recourse I may have against Honda.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (KY)

My Direct Express Card issued through Comerica Bank expired on XX/XX/XXXX, and I did not receive my replacement. It was sent to my address from 3 years ago. So, I called to let Direct Express know on the following dates and no one answered : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I spoke with a representative, and this is after more than 15 calls to this company. The representative updated my address and said they had sent a new card. The representative stated it would take 10 days. I asked if I could access my disabled son 's benefits another way, and they said no. 
Fast forward to yesterday, my card did not arrive. I figured, okay, we had XXXX XXXX XXXX, I'll check tomorrow. Today, XX/XX/XXXX, I still have not received the card in the mail. I called and was on hold for 45 minutes til I spoke with representative " XXXX ''. He said they had issued a card on XX/XX/XXXX, and I said I haven't received it. He said they can expedite another one for XXXX, I said that is not okay. I would like the tracking from the previous card. He said that tomorrow I could get tracking for the card. That he would text it to me. 

I asked if someone could help me access my account online as I had forgotten my password, and or username. He said because you do not remember the password or username, and your current card expired, you will not be able to log in online. I asked if someone in IT could help me access the online account despite this and he said no. I am very frustrated. These benefits assist me in caring for my son who is only XXXX and has XXXX XXXX XXXX XXXX This company is taking advantage of people. It shouldnt take this long to receive a new card. I should also be able to log into the account online. AND, there should be a way that I can go IN PERSON and withdraw this money. Lastly, it took me over XXXX hours to even get to someone after several calls just to get a replacement card.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022 I had noticed XXXX fraudulent charges totaling in the amount of {$270.00}. XXXX of which were from target and the other XXXX. Far away from where I had just used my card less than XXXX to XXXX hours prior. I informed the person that my card had been fraudulently used and was asked if i might have idea who. I said I do not know and that it could have been a family member or someone else I do not know but that it was done completely without my knowledge. I was told it would be handeled and went about day. XXXX weeks later it had not been handed so i filed a CFPB report. About XXXX weeks later the funds retured and to my understanding that meant everything was handled, because I still had no communication from capitol one. I got about my week and use card maybe twice throughout it. I then get off of work on XX/XX/XXXX and try to purchase food and it is declined. The XXXX dollars was taken back out of account and i now was over my limit. I call in XXXX  to try to see what is happening and I'm told it was denied because no fraud was found because i had said it MIGHT be a family member OR someonei dont know when was asked if any idea who XXXX have used card! I then ask for XXXX and talk to him. We talk and i explain situation. He puts me on hold and then comes back and states HIMSELF that he sees something that XXXX considered and KNOWS FOR A FACT THAT I HAD NO KNOWLEDGE TO THIS AND THAT IT WAS FRAUDULENT. He tells me he has to get the reversal approved by system and will call back. He then calls back a hour later and tells me that it is denied simply because of me speculating it might have been a family member without my knowledge!! I inform him that I even stated that it might have been someone I do not know also qnd despite that he said that somehow now its not considered fraud, even though he stated before on his recored line that he KNOWS it was fraud. He then tells me im not only liable for the FULL CHARGES!! I ask to speak to anyone higher than him or if can communicate with corporate he then tells me he is the higheset. His headset then gets some static and im hung up on! This is ridiculous!! Its CLERALY FRAUD AND THE XXXX HIMSELF EVEN STATED IT AS SO!
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (IA)

Request for VALIDATION, NOT Verification XXXX XXXX XXXX, 2021 XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC (NC)

Please see attachment. Disputed in writing XXXX Never heard back and then got a letter today attempting to still collect this debt. They never got back to me to clear the debt or to try and validate with me either. unethical and harassing. See documentation. Just notified them in writing again today via fax and mailed snail mail showing previous dispute and no response for well over a year.
Consumer complaint received 2021-12-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FC HoldCo LLC (FL)

Flagship credit acceptance Corp is a fraudulent company the license needs to be pulled they operate in an attempt at directing any problems as an option for themselves for repossession they say one thing and pledge one thing but they do something different and then they document something amongst themselves in total contradiction of their assurances and actions and then submit that to the agencies to whom they have been reported to dupe and deceive those agencies with grandiose assurances all based on falsehood and document alteration over 2 months customer has been trying to get a call back from an appropriate representative and here it is it's been over 2 months and there still has been no supervisor or appropriate representative to contact the customer but they have well documented that they have the company is a deceptive company that can not be trusted they promised the me that payments were being pushed or put to the end of the loan then another person calls and has no idea about that promise then another person calls back and tells me make a payment and then we'll put the other ones to the end of the term then someone else calls back who says there are no notes but then they start reading on notes which serve an altered version of the companies misdirected agenda a simple problem which covid caused could have been fixed but because of the malingering of this company and its lack of viable contacts although they have a easily accessible number and a pledge as the same they have no supervisor who has called me back yet. A fair resolution would be the company removed from my credit but let a past 30-day payment that they have on my credit and that they honor what they pledge to move the payments to the end of the term and that they have a viable representative contact me.