davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

The com pany is Wells Fargo and they are trying to collect and foreclose on a home and the it is illegal because both of the people who had the loan are deceased. They have received death certificates, durable owner of attorney, however, they are still threatening foreclosure on a deceased person. The Governor of Missouri and several attorneys have stated this is illegal in the state of mo. A complaint has been filed with the attorney general in Mo. Wells Fargo has failed to let the current relatives who are living in the house to assume the loan. Wells Fargo sent the mortgage under the deceased person 's name in Texas. They received the death certificate and said they would no longer collect on the debt. Chapter   XXXX    bankruptcy has been filed  XXXX  now attorneys have stated that is illegal since the loan is in a deceased person 's name. The property is in beneferies name house is in another person 's name. Wells Fargo hired a attorney client only collection to foreclose on the house under the deceased person 's name.All statements and paper work and foreclosure papers have been sent to the deceased person. Wells Fargo refuses to do anything except to demand payments from a dead person
Consumer complaint received 2017-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (LA)

On or about  XXXX   XXXX ,  2017 , the consumer, pursuant t o 15 USC 1692 a 3, did re ceive a communication without the prior consent from GC Services Limited Partnership,  XXXX   XXXX , debt collector pursuant  to 15 USC 1692 a 6. There wa s no express written permission from a court of competent jurisdiction attached.     On  XXXX   XXXX ,  2017 , the consumer mailed the debt collector a notice of the violation of the Fair Debt Collection Practices Act subsecti on 1692 c, to one of two locations provided on the letter from GC Services Limited Partnership. Due to the violation, the consumer issued an invoice for damages in the amount of {$2000.00} pursuant to 15 USC 1692 k a 1. The debt collector was given 10 days to respond.      A final communication, dated  XXXX   XXXX ,  2017 , was mailed with an invoice for damages in the amount of {$2500.00}.     The consumer communicated with GC Services thru  debt collectors   XXXX   XXXX  and  XXXX   XXXX  by telephone on  XXXX   XXXX ,  2017 , at  XXXX   XXXX  central standard time. The consumer inquired and attempted to communicate with  XXXX   XXXX , debt c  ollector, whose name is on the original communication.
Compliance with federal law pursuant to 15 USC 1692 by the debtor w  as not achieved.
Consumer complaint received 2017-04-25
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. (FL)

On  X/XX/17   , I requested  XXXX  &  XXXX  to validated accounts on my credit report and received response on  XX/XX/2017    from  XXXX  and on  XX/XX/2017    from  XXXX  that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also  XXXX   XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them
Consumer complaint received 2017-04-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NM)

I have a previous complaint that was " resolved '' in  XXXX .  Citi h ad put me on a " do not use '' list for appraisers by there mistake. They resolved the complaint by sending me a letter saying " sorry for the miscommunication '' and said all is good now. Except it 's not all good. A company called  XXXX  (  XXXX ,  XXXX   XXXX  is in charge of quality control with   XXXX   ) wont send me any business because they still see my name on the do not use list. Th is Citi error  has now cost me 4 months of business from at least one client that I know of and countless others that I do n't know. I need Citi to update ALL of their " do not use '' lists to remove my name immediately. Also, will be consulting an attorney to see if there is any financial relief that might be available. Hard to make a living with Citi 's " error ''.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

I had   a Citi visa credit card for many years ( 9 years I think ).
recently Citi switched from a Visa to a Mastercard credit card.     I decided to start using the card more, to use it for everything and not just have it for a back up.   I began having trouble with the card being denied for online purchases.   I had visited with the fraud department for abo ut 7 or 8 lengt hy phone calls during the month of    XXXX   XXXX  about this  problem.   I was told their was lots of fraud going on.   I demanded a list of any and every fraudulent charge my card was used for or any late payments or any problems on my end. They said my card was not used in fraud but they " needed to protect the card '' It was really ridiculous.   They would throw the fraud flag for a {$1.00}, or {$50.00}, or {$100.00} dollar purchase.   The only place I could go and be sure the card was accepted was  XXXX .   Online purchases were a joke. I had so many declines from  XXXX ,  XXXX ,  XXXX ,  XXXX  that the digital currency community thinks I am a pariah. They do not even want to deal with me anymore . One Citi emplo yee admitted they had never heard of  XXXX  or digital currency and it was fraudulent to try to buy a   XXXX  !    Citi ha s just really  XXXX  me off.   I closed my account today and now am in process to find a card to takeover my  XXXX   XXXX  AAdvantage account. I need to transfer about  XXXX  miles ( that represents dollar amount purchases over time ) because  Citi has b een so troublesome for me.   I even offered to put money up front like a  thousand d ollars up front if they would let me then use it for on line purchases. They said it does not work that way.   Have never been so frustrated with a credit card company that has refused to let me make a purchase.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2017-04-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

During the period of my car note I needed a couple extensions. I tried very hard to keep up with everything because I live alone and support myself. I told that my loan with each extension would make my maturity date extended an extra month but what they did n't explain is how much interest they would charge me in a  one  time fee at the maturity date. I was making payments and after I checked the next day to make sure my payment was accepted, i had a random past due notice of {$2900.00} about a month ago and I called to ask about it and they explained it was for the Interest EACH DAY for each of the extensions i took during the period of the loan. I explained that I could n't possibly pay all that at once because yet again I am still a single person trying my best to pay all my bills and all they could tell me is that " well we were here when you needed the help, but that all has a cost involved '' I do n't believe it 's fair to charge this much knowing that the person asked for help for a reason in the first place. It was n't fully explained the actual cost that would be involved when taking an extension. I think they are taking advantage of people who are trying really hard to keep up with everything they need in life to survive and forcing them to pay a fee for being human. I would really like some help with this.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

the lender initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ). the lender also failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - A QWR was also submitted to the lender on  X/XX/17  and we request a response to this prior to proceeding to a FC sale date of  X/X/17
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Trident Asset Management, L.L.C. (FL)

XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  charge off last bill was paid in fill then i notice this on my report  XXXX  never had this account its not me, i just opened a account with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX  these accounts has been paid and closed but it shows a few times on my report and this does not help with my score  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  paid and closed   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  paid and closed
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

We are in default of our mortgage.   OCWEN has mishandled most of the correspondence.   I filed a Ch  XXXX  in   XXXX   to stop the foreclosure which was scheduled for   XXXX   XXXX   XXXX  .   OWCEN via   XXXX   XXXX   filed for relief and the judge granted it in  XXXX .   Since then the information that I receive from  OCWEN is conf using & very often conflicts from what they had said in a prior phone call.   Also, I received a letter on   XXXX   XXXX   XXXX   " IMPORTANT INFORMATION ABOUT YOUR CONDITIONAL DEED IN LIEU OF FORECLOSURE APPROVAL ''.   I received a call from  OCWEN on    XXXX   XXXX   - they said that there were liens on the property and asked me to get a pen to write them down.   I said no - that I needed it in writing and that it seemed to me that this would be the legal protocol.   Then they recited my email address - incorrectly - I had updated this 4 times in the past yet they still have the incorrec t one. I now  question what email communications that I   have missed that may have prevented a foreclosure.
When the judge granted relief to OCWEN they asked t  hat my attorney provide authorization & permission to directly speak with me which was faxed to them on the day of their request.   Mos  t timea that I call they claim that they do not have the authorization document & when I insist that they DO I get put on hold for up to 30 minutes while they check for it - and they always come back and apologize for the inconvenience saying that I do have this authorization.
OCWEN called m  e on Monday,   XXXX   XXXX   and left a voice mail.   I called them back today, Wednesday,   XXXX   XXXX   and my " relationship manager '',  XXXX   XXXX   XXXX , said that she could not speak to me - did not have this authorization from my attorney - looked for it while I was on hold - and came back to say there is no such authorization & to call my attorney.   I am completely frustrated because o f OCWEN inab ility to maintain up to date information and generally manage the D.I.L. application status for this mortgage.    OCWEN has h ad me in the dark for months now.
Consumer complaint received 2017-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

this is  XXXX   XXXX  who used MoneyGram on-line service on  XXXX / XXXX / 2017  for the first time to transfer money in the amount of {$320.00} +  XXXX   ( f ee ) for the on-line purchase and found out that was scam. When I contacted th  e MoneyGram and was told that the money already picked up by receiver and they are not responsible for any causes, I was refer to the website link regarding to all potential fraud.
My concern is that MoneyGram should be compliance by provide that info before consumers press the " SENT '' or any verification process between the sender and receiver before the transaction finalized. By this method which will eliminates the fraud transactions made by the scam artist since they are continuing use this services    as a tool to take advantage of all citizens  like myself.
Consumer complaint received 2017-04-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (MI)

We had problems with the vehicle I leased from  Kia Finance  from the very beginning. There were check engine lights that would periodically come on. I took the vehicle to my Kia dealership   XXXX  Kia  in  XXXX , MI on  XXXX   XXXX , because I was concerned by these lights and I was told by them that they could not detect an issue. I suggested changing the oil and doing a more thorough inspection but they advised that it was not necessary. Eventually the vehicle died and I was told it was because the oil was never changed. I was disturbed by this because the vehicle had been to an authorized  Kia Service Center  multiple times and even when I suggested an oil change was told by these supposed expert professionals that they could not detect any issues and told an oil change was n't necessary, multiple times when the vehicle was brought in. We had the vehicle towed to the  XXXX   Kia  dealership and was informed that they would contact us to see what they could do. Months went by without us receiving any word from them, until I received a bill in the mail recently for {$9800.00}. This included {$8900.00} in unpaid lease payments, {$400.00} disposition fee, and {$530.00} in official fees and taxes. The bill also indicates that the {$9800.00} payment is due within 15 days of the notice. This is totally unreasonable. When I contacted  K  ia Finance  they advised that they could not even discuss payment arrangements until the account went to Collections. I do not think this is right that I am being asked to pay for a vehicle that was ruined though I did my due diligence and took it into a  Kia service shop multi ple times to voice my concerns with the warning lights that would come on from time to time and even recommended an oil change, which ultimately ended up being the reason why we were told that the engine died. It is also completely unfair that my credit will be ruined by this unjust bill of {$9800.00} that is due in a ridiculous amount of time, 15 days. I do n't think that anything should be owed on the vehicle and want this to be immediately removed from my credit report.
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CDI Affiliated Services, Inc. (ID)

Calls began on  XXXX   XXXX  for a debt owed to another individual. I have received cal and messages on  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX .     I sent an email on  XXXX   XXXX  to stop calling my number as I was not the person they were attempting to reach. Then called on  XXXX   XXXX  and they proceeded to tell me they have no record of calling my number and proceeded to check if I had any debts owed instead of resolving the matter. Then I emailed again on  XXXX   XXXX  to stop the collection calls
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

M y Wife added me to her   XXXX   XXXX   card Issued by   XXXX   XXXX   last month. The card came in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   XXXX   XXXX   )
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (AL)

I received a phone call from a company called XXXX XXXX XXXX, phone number XXXX-XXXX-XXXX. A guy said he was calling about a debt from HSBC about an  account that had been charged off in 2016, they had tried to contact me but I did not respond and in 48 hours he would start legal action against me. I told him I never had an account and asked for the account number he said it would be on the written complaint, which I would receive. He said I could settle the debt for a smaller amount but would not give me the account number. I called the company and they did not an account in my name and then I checked my credit report and called XXXX and I have never had an account with them. I am very concerned because they have all my information and I want to put an end to this scam.
Consumer complaint received 2024-11-07
Product: Credit reporting 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)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I have a recurring debit of {$12.00} that is being withdrawn from my  XXXX    XXXX   XXXX   XXXX   checking account. The debit card servicer is  XXXX .     I am having to submit a claim every time this recurrence hits by checking account ( it has been 5 times already  ). F urther, the bank is having to inactivate the debit card and reissue me another one. This takes up to 2 days.     The bank is saying that I will have to CLOSE MY BANK account and REOPEN another one?? I have travel for work and I will have to resubmit to my employer, a new direct deposit submission ( which will take A MONTH ) for my new direct deposit to be in effect. Further, my employer will have to send PAPER checks to my Corporate office and I will have to physically pick it up. I ca n't do this traveling for work!     I 've had this account sinc e 2006 and n o one at the bank can do anything to stop it. They tell me it 's the  XXXX  company. So I called  XXXX , put in my debit card number AND IT AUTOMATICALLY REDIRECTS ME BACK TO THE BANK!     I CA N'T TAKE THESE INCONVENIENCES ANY MORE!! I 'VE PUT IN CLAIMS 5 TIMES ALREADY, BEEN ASSIGNED  XXXX  NEW DEBIT CARDS IN 4 MONTHS AND NO ONE CAN STOP THIS RECURRING ( UNAUTHORIZED ) CHARGE!! ALL OF THIS FOR A {$12.00} CHARGE THAT I DID N'T AUTHORIZE?? PLEASE HELP!
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

I vigorously dispute the response and closure to my complaint CFPB case #  XXXX  submitted on   XXXX   My original complaint : I received a dispute summary report from  XXXX   XXXX  and I see  XXXX   XXXX  closed my home Equity loan account #  XXXX  on  XX/XX/XXXX  with a  XXXX  balance then opened a new loan Account #  XXXX  under a loan type of a '' line of credit '' on  XX/XX/XXXX  with a balance of {$27000.00}. I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account.      Wells Fargo  response : Thank you for the opportunity to address the concerns about closing any accounts opened without your consent and to rectify the credit reporting. We 've carefully researched this matter and are providing a response. Here are important account details we 'd like you to know. The next payment is due on   XXXX   XXXX   XXXX  . The account is in active foreclosure. We have confirmed that the account was opened with your consent and your credit is reporting accurately. We want  ed to speak with you directly but were unable to connect with you at the phone number ( s ) provided to us. We 've attached a copy of our response letter.
My dispute to Wells Fargo 's response : 1 ) What next payment? I have no information on this loan from Wells Fargo, no documentation, no payment notice, no account number info or return address?
2 ) Their is no " Active   Foreclosure '' as my home was foreclosed on in   XXXX   XXXX   XXXX   by  Wells Fargo  while I was going though their modification process? yet another false statement.     3 ) The erroneous account was absolutely not opened with my consent and therefore is not being reported accurately.
4 ) Wells di  d not try too hard to reach me as I called their POC  XXXX   XXXX  at the number provided  (   XXXX  ex  XXXX  ) within their canned    XXXX   XXXX   XXXX    letter to me in response to my complaint and left numerous messages and contact numbers?    5 )  If  Wells Fargo does not wish  to resolve this issues amicably then I will have no choice but to use this very loan that  Wells claims i 'm responsible for to reopen my once settled Pick-A-Payment law suit and use every means at my disposal to ensure Wells is held responsible for their wrong doings and support of predatory lending practices.