davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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. (KS)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

To whom it may concern, On XX/XX/year>, I made a verbal agreement with IQ Data International to pay the total sum of {$360.00}, I paid {$180.00} that day and promised to pay the balance of {$170.00} on XXXXXX/XX/year> but to my surprise, a collection account showed up on my credit report from IQ Data InternationXXXX on XX/XX/scrub>XXXX 

Over a week later, on XX/XX/year>, IQ Data InternationaXXXX called and asked me to pay the balance of {$180.00}, which was the incorrect amount. I requested a written 'pay for delete " letter documenting our agreement for me to pay the correct amount of {$170.00} according to the original creditor 's XXXX XXXX XXXX XXXX XXXX amount of {$360.00} IQ Data International violated my consumer rights by not abiding by our initial agreement of full balance payout by XX/XX/scrub>XXXX
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

I have listed all the complaints in the attached documents. The complaint is about Citibank selling my account to XXXX XXXX XXXX, but neither of them is ready to take responsibility about the errors on the account even though I sent I disputes to both.
Consumer complaint received 2023-01-24
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. (NY)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on 1/10/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

On or around XX/XX/2009 Wells Fargo Bank ( Mortgage Bank ), tried foreclosing on my property, my home, after I fell behind on my payments. I had regained employment and tried to do a modification loan, which was repeated denied, even though there was sufficient income. They forced me to file bankruptcy protection to save my home. I sent all documentation to the OCC, who helped force them to refinance my home as a modification loan, not before they added over {$35000.00} to {$40000.00} to my loan, which they said were for hazard insurance at over {$900.00} a month, and legal fees, and passed due interest and penalties, and even a higher interest rate, etc. No one has ever gone after Wells Fargo for these outrageous tactics, but I believe compensation is due!
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

Ive been late on my mortgage every month for two years. After I re financed My mortgage Wells Fargo went up on my monthly payments 3 times saying I was forcased to not have enough in my escrow.So why this keep happening. Do they know how to calculate?
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

Every time that I deposit money because my account got overdraft, they always have an excuse to charge a overdraft fee, even if it was during a holiday day, some transactions can take longer but not their overdraft fees. Customer service acts like you are asking them a favor, if you hang up and call back, the next customer service answering the call, tell you a different history
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

Between XXXXXXXX XXXX XXXX up until currently I was out of work due to Covid and now Ive suffered a work related injury. When I tried explaining that to Wells Fargo and also asking for some type of understanding and leniency they ultimately told me my account would be closed. Furthermore I had fees that kept piling up time after time when Im drowning financially waiting on workmans compensation to backpay me.
Consumer complaint received 2023-01-24
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. (NJ)

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

After reviewing my credit report, I noticed a collection from Portfolio Recovery XXXX opened XX/XX/XXXX for {$1800.00} on XXXX and this same account negatively closed on XXXX. I emailed Portfolio Recovery Associates XX/XX/XXXX requesting debt validation, proof of original contract, a written signature for debt validation, a purchase agreement and I never received a response. I also tried disputing this account on XXXX, XXXX and XXXX.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

We have been trying to remove the MI on a property we have owned since XXXX. We called back in XXXX and asked for it to be done. They told us we needed LTV to be 65 % from original unless we wanted to pay for appraisal and get current loan to value. The appraisal fee was expensive. So we decided to wait. Although early XXXX we were at a 65 % LTV based on original value as I have done an amortization schedule. The MI should have stopped then. We just called again recently. They said they would send us what the required. Our LTV is 55.7 % currently. They are still telling us that we need to do appraisal. The appraisal ( thru XXXX XXXX is more expensive then what is charged to borrowers for a purchase. If we were to refinance the property, we would probably get an appraisal waiver since the loan to value is under 75 %. However, after doing much research I have come to the following conclusions : The loan is a XXXX XXXX XXXX. The servicer is Wells Fargo that already has a lot of bad publicity taken advantage of consumers. The reason for mortgage insurance is in case of default of the mortgage. If we had put down 20 % instead of 10 % and went with this same lender back then, we would not have been required to get mortgage insurance. We feel as we are being taken advantage of. There really is no risk anymore and isnt that ultimately what the MI covers? We are at a 55 % LTV now. We have paid enough down in equity over almost 16 years that the MI should not be necessary at this point. 
We researched the guidelines for a XXXX XXXX based on Non HPA Mortgage since this is an investment property. This is what was found. Section 4203.1 There are two choices A or B. and it is respectively. So I am on section A ) Borrower-requested cancelation of Borrower-paid mortgage insurance based on original value. It does not state anything about at the Borrowers expense an appraisal is required. All it states is cancelation point. Evidence of value which the servicer must warrant the original value of the mortgaged premises, at minimum, supports the LTV ratio required and lastly payment history. They are using {$310000.00} which I know that is what we paid for the property and that is what is used when appraisal comes in higher, however ironically I have a copy of the original appraisal and it actually came in at {$320000.00}. The appraisal in our mind is not an issue. 
P.S. How would a consumer know what the MI entails as far as getting out of it. There is nothing in the loan package that states that arbitrarily the servicer can require an appraisal. I feel as if my mortgage would be paid down to {$0.00} and they would still want the {$46.00} a month. 
.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp. (FL)

Upon review of your inaccurate and invalid response to the Consumer Financial Protection Bureau ( CFPB ), this shall serve as the final submission to the CFPB in an effort to address the aforementioned matter. Failure to rectify this issue will necessitate the initiation of arbitration proceedings against your company for proper resolution.

The original contract, executed face-to-face with the finance manager at XXXX XXXX XXXX, stipulated a term of ( 60 months ), as indicated in the documentation. The contract, which you omitted from your response to the CFPB complaint, is presently in my possession and was revised subsequent to the CFPB 's litigation against Toyota XXXXXXXX XXXX. 

It is acknowledged that your business transactions occur through a privately-owned dealership. However, it is imperative to recognize that the dealership operates under your purview, and adherence to the provisions of the Truth in Lending Act is obligatory. Regrettably, the dealership failed to comply with these guidelines, and your attempt to obfuscate their errors via the dispatch of generic correspondence is evident. 

Furthermore, despite notifying the representative of the True Lending Act violation and requesting the retrieval of the vehicle, no action was taken until several days later, when I personally contacted the dealership and requested the intervention of a supervisor. Despite informing them that the vehicle was not in use, they insisted on scheduling a pickup, contrary to the stipulations of the True Lending Act. 

On XX/XX/2024, we dispatched documentation directly to your company along with our request. Your response, acknowledging " identity theft, '' is both erroneous and inadequate, as there has been no occurrence of identity theft. Enclosed herewith is the pertinent correspondence for your review. 

I hereby demand that all credit reporting activities concerning this matter be suspended until a resolution is reached either through the CFPB or via direct arbitration, per your preference. 

This communication shall serve as a record for future reference in the event that arbitration proceedings become necessary.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have sent multiple request asking that incorrect addresses and spellings of my name be removed from my credit reports. The Credit angencies have contiuned to ignore my request. 

the correct information is as follows : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XX/XX/1979 Employment : NONE There should be no other listing of misspelled names remaining. I have found XXXX differnet spellings and XXXX wrong addresses on my report. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly as payments that had previously been qualifying have been removed. When I contacted the agent they told me that it was because one of the signatures was not a " wet '' signature, however, this is inaccurate as both signatures were acceptable signature formats according to the Department of Education 's website. I believe I should have 68 qualifying payments but I am only receiving 11 qualifying payments.
Consumer complaint received 2024-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (OK)

I just got the statement from the mortgage company saying that I owe {$3400.00} I have made every payment with certified funds and sent it with certified mail. I am enclosing all receipts showing that for the last two months that the payments have been sent to the location that they have provided. I have not gotten the last months statement back showing that the certified funds and/or whatever are there, but I do have the receipt from the post office showing that it was sent that way I know all payments are made and do I do not understand why this company is so difficult to deal with please have someone investigate because this seems to be a going practice month after month that I have to send a complaint showing that this problem persists
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sequium Asset Solutions, LLC (CA)

IVE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I REQUESTED FOR THEM TO PROVIDE ME WITH THE DOCUMENTS USED TO TAKE OUT THIS CONTRACT/AGREEMENT IN MY NAME. THE DOCUMENTS USED TO VERIFY MY IDENTITY. I DID NOT GET THOSE DOCUMENTS WHICH IS MY RIGHT WHEN REQUESTING FOR A DEBT COLLECTOR TO VALIDATE DEBT. EVERYTIME THIS AGENCY CALLS, THEY HARRASS AND RESPOND TELLING ME YOU KNOW YOU OWE THE DEBT. INSTEAD OF PROVIDING ME THE DOCUMENTS REQUIRED WHEN REQUESTED UNDER THE LAW. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. IVE REQUESTED FOR XXXX AND XXXX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK THE DEBT COLLECTOR AT THEIR WORD. THESE TWO CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW. I AM FINALIZING A REPORT REQUESTED BY THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION WHILE THEY INVESTIGATE THE TACTICS OF THIS DEBT COLLECTOR AND THE CREDIT BUREAUS. THE AGENCY HAS TOLD ME INVESTIGATORS WILL BEGAN INVESTIGATING IF THERE IS NO FAVORABLE DECISION FROM THIS REPORT. IF THEY LOOK AT MY ADDRESS ON MY ATTACHED XXXX XXXX IT IS NOT THE ADDRESS WHERE THE ACCOUNT WAS OPENED
Consumer complaint received 2017-05-08
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Recovery One, LLC (CA)

Received a call about a debt that was trying to be collected. Caller stated she was with Recovery One trying to collect a debt but would not inform me of the company the debt originated from and the amount When i tried to get that information she started to call me derogetory names and yell obscenities until i hung up on her.The number on my caller id is  XXXX
Consumer complaint received 2024-10-18
Product: Credit 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: SYNCHRONY FINANCIAL (PA)

Hello, on XXXX I made a purchase on XXXX for {$350.00}. I used my PayPal extra Mastercard to pay for the item. Seller uploaded a tracking number, that I have later found out was bogus. The item showed delivered. XXXX would not step up to resolve the issue stating I had to wait XXXX days for the seller to respond ( giving them plenty of time to steal my money ) so I disputed the charge on my credit card as item not received PayPal then closed my case because of the tracking number provided by XXXX. I called their fraud department which told me I needed to provide proof. I went to the local post office and spoke with the post master there. She was very nice and helped me get a copy of the address label with my tracking number. It showed being delivered to a different address than mine in my zip code. I followed PayPals direction and submitted it as evidence. I waited for a week and never heard anything, no email no return call, nothing! So I call them again and they tell me the case is closed. I beg them to have a person actually look at my file and they reopen the case with the new info. I wait two days and call back. This time I am told that the case was ruled in my favor, and that I will actually see a refund in 24 hours. Great! 24 hours goes by and nothing. I wait three days to call them a 4th time, and this time I demand a supervisor. I waited on hold for an hour. I speak to the supervisor explaining what happened and ask why I was lied to. She claims that the case was changed to item was different than expected so they closed it. She reopens the case again and says it will be reviewed by her team. On XXXX I got an email stating that the case was closed, you guessed it! Because XXXX providing a tracking number! I called them today XXXX and waited on hold for XXXX minutes and was hung up on. I am making this complaint because I am sure I am not alone and also this is a case of a federal crime, mail fraud, and should be taken setiously
Consumer complaint received 2020-05-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I pulled out an institutional loan ( in the spring of 2016 ) from my university to pay for tuition. I experienced a very long difficult period with my mental health, and was not able to immediately pay the institutional loan. As a result, the loan was reported as missed payments and went into default. I was not able to get my diploma, and therefore was not able to get a descent job. Fast forward a year and half later, I figured out a way to pay the loan. I spoke about my situation to the university and asked that if they could remove the derogatory remarks from my credit report. I told the institution that I paid all of the loan off with interest and that I shouldn't be penalized on my credit report therefore. I'm trying to get a home loan and move forward financially, but this account continues to be reported as a negative account on all three of my credit bureau accounts. I believe it is not fair for it to be negatively affecting my credit score and report status given that I paid the entirety of the account PLUS INTEREST.
Consumer complaint received 2023-01-23
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 — Investigation took more than 30 days
Company: Credit Karma (NC)

In XXXX or XXXX credit karma had an advertisement for members to apply for certain credit cards, with an incentive of {$50.00} if the application is denied. I was denied. I was sent the letter of denial from XXXX XXXX XXXX which I applied for through their website. I never received my incentive, so I began questioning credit karma. They sent me emails asking for the last four digits of my SSN. They said they couldn't find anything in my account to support the incentive release. I found my denial letter, took pictures of it, and sent it to them. They said, " We need to send this inquiry to our 'Special department XXXX '' after which I was denied all of the 3-4 times I asked for the incentive issue to be reviewed. I have all the emails. I still have pictures of the denial letter. I have the emails,, and pictures of the denial letter from XXXX XXXX I was not able to add them to this complaint without having to start complaint over.. Please help
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

The XXXX XXXX credit card Through MY SYNCHRONY Marked a late payment than notified the public of a late payment taking my score down over XXXX XXXX, when I called and explained the financial institution " XXXX '' I use for personal and business was delaying my checks being deposited as if XXXX XXXX XXXX purposely are delaying cleared checks so I can fall behind on payments, XXXX XXXX said the late payment was reversed I also stated they illegally put my info out to other companies they again said they would correct the issue that I needed to dispute the " the XXXX XXXXXXXX XXXX credit card with SYNCHRONY Bank to correct the issue and nothing has been corrected.