davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (FL)

The fair market range price for the XXXX XXXX XXXX at the time of repossession was $ XXXX {$48000.00}. They only sold the vehicle for {$26000.00} in XX/XX/XXXX. The vehicle had XXXX, xxx miles at the time of sale. The creditor ( Ally Financial ) has purposely sold the car much lower than fair market value. The lender also never gave me any written notice of the date and time the auction was being held. The lender never gave me a written calculation of the deficiency balance, including a description of fees and charges. I was unable to participate in the auction and unable to exercise my rights in the matter. Ally Financial failed to provide me with the required written notices and destroyed my credit. I might take further legal action. Please let me know what I should do about this situation. Thank you!
Consumer complaint received 2022-07-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX. -- \ Good morning CFPB, Thank you for your support and patience. 

Wells Fargo, requested that we have a mediation session in XXXX with regard to a CHECKING ACCOUNT. that was fraudulently forced on me to open in conjunction with the fraudulent HELOC loan. 

To date they have been playing games around the mediation process for the HELOC loan and yet that the letter of XX/XX/2022 states that they would like to go to mediation, to resolve the issues. ( See attached ). The mediator was XXXX- XXXX XXXX XXXX XXXX XXXX who assure me that I may pursue mediation on the other HELOC loan issue, and XXXX XXXX from WF, XXXX, expressed their empathy and desire to assisting me to further my case. The process through WF has been met with willingness to assist and compensate me for their digressions. Please provide a process for me to present my case before a mediator with XXXX. 

The issue is that WF is using diversion tactics by using the CHECKING ACCOUNT as a closing issue when the real fraud is related to the HELOC.

Please request that WF investigate the HELOC. The fraudulent loan officer and the XXXX  XXXX builder that have all been sued. 

In summary let continue this process. WF asked to mediation for the HELOC loan. Let 's go to mediation. 

Wells Fargo does not meet the ethical standards of the CFPB and needs to be held to account. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They need to held responsible. 

Thank you, XXXX XXXX
Consumer complaint received 2024-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have noticed that my account has been reporting a charge-off every month. This consistent reporting seems to be reaging the debt, making it appear more recent than it actually is. This situation is causing undue harm to my credit report and overall financial standing. I believe this practice is misleading and does not accurately reflect my payment history. I would appreciate clarification on this matter and request that you review my account to ensure that it is reported correctly, considering all relevant factors. Thank you for your attention to this issue. 

XXXX XXXX XXXX
Consumer complaint received 2019-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

I have several loans being managed by XXXX XXXX. All of these loans have been enrolled in an income based repayment plan, according to the rules for Public Student Loan Forgiveness ( PSLF ), for the better part of 6-7 years. During this time I have worked for a 501c and have submitted my Employee Certification Form every year. I make my income based repayments ( IBR ) every month and have not missed one.

However, every month I am sent a loan detail summary and the total payments XXXX XXXX says I have towards my PSLF is inaccurate. Some of the loans show as little as 3 payments, others a bit higher, but none of them show the correct number of payments for the amount of time I have been enrolled in this program.

On XX/XX/2018 I called XXXX XXXX about the incorrect qualifying PSLF payments shown on my monthly statement. I spent several hours on the phone and spoke to a few different employees from different departments ( employee ID XXXX and XXXX ). Ultimately I was told all of my payments would have to be researched and verified against all of the Employee Certification Letters I submitted. I was told this would take about 6 months.

It is now 8 months after I had this conversation. I have received no follow up from XXXX XXXX   and my monthly statements from them continue to show incorrect qualifying PSLF payments. In fact, since my phone conversation, the total number of qualifying PSLF payments on my monthly statement has not changed. Every month the numbers are the same.

It feels hopeless calling this company over and over again, reiterating the same story and hearing the same thing. I feel like this will never get addressed.
Consumer complaint received 2022-12-06
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. (KS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC (NY)

Monterey Financial is a 3rd party who works with XXXX XXXX XXXX who are a fraudulent company. 

The following is what happen : XXXX XXXX XXXX  in XXXX duped and defrauded me. Monterey Financial works with XXXX XXXX  and they took my money. Initially took {$500.00} deposit from my XXXX  XXXX XXXX credit card. 

Services were false, NEVER got services, web login or password. I canceled immediately. 

On XX/XX/2019 I was duped by XXXX XXXX XXXX  in the streets in XXXX while on vacation. They said " just show your id and a credit card and they held it until manipulative lying presentation was over. I did not approve this {$500.00} credit card charge. 

Furthermore I immediatly canceled after I saw on the internet how they defrauded many consumers. I went in person and canceled with XXXX the manager on XX/XX/2019. XXXX SAID NO PROBLEM. 

Here is my email on XX/XX/2019. 

I was duped into signing a contract by Monterey Finantial. They shook {$500.00} from my credit card without my knowing I was signing a credit card approval. 

rom : XXXX XXXX XXXX Date : Tue, XX/XX/2019, XXXX XXXX   Subject : Questions - product website right now not transparent To : XXXX XXXX Hi, I'm XXXX XXXX and XXXX XXXX XXXX 

This morning we subscribed to your services, however, we see now your product website is NOT Transparent to us to be able to compare prices for upcoming travels that we have. Besides we see SOLD OUT on variety of travel places on your website -- this is not positive and good for us. Waiting 2-3 days is not fair because if we're not satisfied I want my deposit back and void subscription. 

What is " VIP RESORT WEEKS '' really mean? Are we getting 8 weeks per year at {$190.00} each? 

Please get back to me tonight or tomorrow the latest via this email or cell XXXX. 

This is second email. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My mortgage is always paid on time. During this COVID 19 they ( New Rez ) offered a forbearance on their website if needed so I did request to speak to someone about this process in place for any financial issues that could occur via their website as they requested of all customers. I kept trying to call every day and no one ever answered. I was never able to speak to one person about it. About 3 weeks later they send a letter with the incorrect monthly amount that was less than my current monthly note. So I called them again hoping to clear up the inadequacies and again nothing. Two weeks later they send another letter that has a totally different amount from the last that is XXXX as my monthly mortgage. This is incorrect as well. My monthly mortgage is XXXX which includes property taxes as well of which I always pay XXXX. I pay my mortgage online through my XXXX XXXX  online account for documentation purposes. They have added on XXXX. I have had this problem with them in the past and they keep messing up important data as it pertains to my home. I am prepared to sue them if necessary. Please help me with this situation with this company called New Rez. I am a single mother of XXXX and this is our home. Please help!
Consumer complaint received 2022-10-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC (CT)

I am being threatened by this company saying I will be arrested, seize my assets, and contact employer. This company is a debt collector saying I owe money that I do not owe. This company is also using dates that from 4 years ago which make no sense. I was not even able to acquire any loans 4 years ago. I am getting repeated emails that are threatening and harassing. I believe this is a scam.
Consumer complaint received 2022-12-06
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. (NC)

Dear Sir/Madam Good afternoon, I buy the XXXX XXXX XXXX on XX/XX/2022 through XXXX XXXX XXXX XXXX XXXX sold this auto loan to XXXX XXXX  and we don't know about this, we don't know where to pay who to pay and on XX/XX/2022 XXXX reported to credit bureaus as a 30 day late payment, because of this my credit score fallen to XXXX from XXXX, today my mortgage loan officer called me he said he can not approve my loan if this issue not got fixed, I have called XXXX XXXX  and I explained the situation why the first payment was not made, XXXX XXXX  person asked to raise the dispute with credit bureau and when credit bureau reaches to XXXX XXXX  for explanation they can take care.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Quality Asset Recovery LLC (NC)

QAR are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. QAR are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by QAR pursuant to 15 USC 1692k civil liability.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (TX)

Kikoff is reporting inaccurate information on my Credit Report. I open an credit builder account wiht them and set the account on auto pay and paid it on time every month. Yje account was paid off Yet Kikoff is reporting one late payment, yet also reporting it 90 Days late which if was correct, would be three late payments. Both reports of information is incorrect and i asked that it be removed from my credit report immediately. 

Account Number : XXXX
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (WI)

This is great after complaining about there credit card billing they retaliated against did search on my accounts then said some were wrong they said I was getting free stuff earlier they moved my savings to checking said I had to then started charging me {$12.00} a month on wifes account I just killed the account could not afford the {$12.00} per month and all there stupid rules this was strictly vengeance for me questioning there billing practice on charge cards its amazing how they treat customers with fees when there borrowing my tax dollars at next to nothing charges
Consumer complaint received 2022-06-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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  Account number XXXX XXXX. XXXX XXXX Account numberXXXX XXXX. XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX 7. US DEP ED Account number XXXX 8. US DEP ED Account numberXXXX XXXX. XXXX Account number XXXX Equifax XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX  XXXX  Account number XXXX 3. U S DEPARTMENT OF ED Account number XXXX 4. U S DEPARTMENT OF ED Account number XXXX 5. U S DEPARTMENT OF ED Account number XXXX 6. US DEPARTMENT OF EDU Account number XXXX 7. US DEPARTMENT OF EDU Account number XXXX 8. US DEPARTMENT OF EDU Account number XXXX 9. US DEPARTMENT OF EDU Account number XXXX 10. US DEPT. OF EDUCATIO Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXXXXXX Account number XXXX XXXX. - Account number XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-06-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Transunion 1. XXXX XXXX XXXX Account number XXXX 2. XXXX XXXX Account numberXXXX 3. XXXX Account number XXXX 4. XXXX XXXX XXXX Account number XXXX 5. XXXX XXXX Account number XXXX 6. XXXX XXXX Account number XXXX 7. US DEP ED Account number XXXX 8. US DEP ED Account numberXXXX XXXX. XXXX Account number XXXX XXXX 1 XXXX XXXX XXXX XXXX Account number XXXX 2. XXXX XXXX Account number XXXX 3. U S DEPARTMENT OF ED Account number XXXX 4. U S DEPARTMENT OF ED Account number XXXX 5. U S DEPARTMENT OF ED Account number XXXX 6. US DEPARTMENT OF EDU Account number XXXX 7. US DEPARTMENT OF EDU Account number XXXX 8. US DEPARTMENT OF EDU Account number XXXX 9. US DEPARTMENT OF EDU Account number XXXX 10. US DEPT. OF EDUCATIO Account number XXXX 11. XXXX XXXX XXXX Account number XXXX 12. XXXX XXXX XXXX Account number XXXX 13. XXXX XXXX XXXX Account number XXXX XXXX. - Account number XXXX XXXX 1. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXX 4. XXXX XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX. XXXX XXXX XXXX Account # XXXX XXXX  XXXX. XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-06-13
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. (OK)

The following entities/XXXX accounts has violated my rights. In accordance with the fair credit reporting act. 
15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions no XXXXXXXX XXXX XX/XX/XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, closed acct XXXX XXXX XXXX XXXX XXXX, XXXX, closed account XXXX XXXX, # XXXX, XXXX  XXXX closed acct XXXX XXXX XXXX XXXXXXXX, closed account
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2022-06-13
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-06-28
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. (OR)

Experian refuses to do a proper investigation, and or remove this erroneously reporting account from my consumer report. These errors are costing me money with higher than justifiable interest rates, and outright rejection for certain business opportunities. I have disputed with Experian on or about : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX including asking for their " method of verification, '' and specifically who they communicated with at original creditor so that I can personally follow up. They just gave the usual, generic response that everything is " verified '' although it is clear from a precursory glance that this has reporting errors. Furthermore, I have also sent them credit reports from the other Bureaus, XXXX, and XXXX, that shows that this same account is reported differently and also erroneously, to the point were it has been removed already on XXXX, and still under review by others. This account needs to be removed.
Consumer complaint received 2022-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I demand that the following accounts filed be deleted all collection efforts cease and any information about this account files sent to credit agencies bureaus be removed immediately! 

XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} BACKRUPTCY XXXX XXXX  BANKRUPTCY REFERRENCE # XXXX XXXX AMOUNT : {$0.00} INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE ; XX/XX/XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE:XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX INQUIERIES NOT AUTHORIZED XXXX ; XXXX XXXX DATE : XX/XX/XXXX XXXX  XXXX DATEXXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX  DATE ; XX/XX/XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXXXXXX XXXX DATE ; XX/XX/XXXX INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE : XX/XX/XXXX CAPITAL ONE AUTO FIN DATE : XX/XX/XXXX XXXX XXXX  DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX CAPITAL ONE AUTO FIN DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXXXXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX