davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (KY)

I am currently a part-time student and full-time employee of the University of XXXX in XXXX, XXXX After graduating from college with a XXXX in XXXX of 2008, the economy collapsed and I could not find work in my desired field, I had to take whatever job I could find. Eventually I went back to school to get a more 'practical ' or 'useful ' degree- which I am pursuing now. My in-school deferment/forbearance time limit is up and I have not graduated and I am not making enough money to make the minimum payments of {$440.00} Wells Fargo is now also pursuing my Mother, the co-signer, for payment. She is the only XXXX working in her household as my Father was laid off and has been for quite some time. She and I together offered {$75.00} per month as a payment we could afford because we all live paycheck to paycheck. This good faith payment was not good enough for Wells Fargo and they are refusing to go lower than {$310.00} per month. I tried everything I could- offering that I could make the larger payments once my car was paid off, asking about consolidation ( not available because I am not current on the debt ), filing for more reasonable payments, requesting an extension of the loan repayment term, and anything else I could think of- but, I was told there were no options : I must make the payments or my balance will become due and then turned over to collection agencies. I need help and I do n't know where to turn to.
Consumer complaint received 2015-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (FL)

I received a letter stating I owed them for a cable bill I send XXXX return receipt letter requesting validation as required by the Fair Debt Collection Practices Act they never responded sending a letter providing proof that the debt is legitimate that they provide proof that the debt is legitimate, that you are the person who legally owes the debt and that the collector has the right to collect the debt. they then placed a collection notice on my credit report with-out verification of the dept and after I let them know it was n't mine.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OH)

We were told to get behind on our payment for XXXX days in order to get a loan modification.Then after the XXXX days they would not do anything to assist us and immediately started the foreclosure process. After submitting the paperwork over and over again they kept saying our paperwork was outdated or lost. Every time we spoke to them we had to call them since we did not have a contact person for the loan modification, basically starting over every single time. 
Eventually we hired an attorney who was working with Chase attorneys to try to get the loan modified. This was a Robo signed loan which we knew before the robo signing was even settled. Their Attorney denied in court, under oath, that this was not a Robo signed loan. We then applied for hardest hit funds through XXXX which we were approved for $ XXXX. At XXXX they were working on it then they came back and said they do not participate in that program. We are still fighting to save our home XXXX years later after paying on it for XXXX years and raising our family. We have no equity left, still paying attorney fees, and possibly going to Supreme Court. 
All we wanted was a loan modification. 
We are now speaking to Neighborhood Housing in XXXX. Chase will not speak to XXXX either or give them a number to the legal department to work this out. We have other illegal things that Chase has done throughout this process that we would speak about at a later date.
Consumer complaint received 2015-04-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc. (ME)

I requested an application for a morgortage and when the application was received it had already been filled out. It had information regarded another individual such as their name, number, address both current and pervious, it contained their place of work, and social security number. I then contacted the morgortage consultant and explained it had all this information in it and he acted like it was no big deal, that I had another person social security number.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft. The following accounts are unauthorized and fraudulent accounts that do n't belong to me : XXXX XXXX XXXX, U.S. Department of Education/XXXX, U.S. Department of Education/XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX
Consumer complaint received 2015-09-04
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CO)

I used Paypal to pay for a large welder which was to be palletized and shipped across several states. I paid trucking co independent of seller. Seller did not bother to secure the welder or any of its accessories to the pallet upon which it was shipped and of course it arrived damaged which cost me many hours of time and a significant portion of the cost of welder and shipping to repair to functional, much less aesthetically the same as when it left sellers shop. I filed a complaint against seller, weeks later Paypal tells me only way to resolve the case was to ship it back to seller at my own cost, after I had already paid the costs to repair machine because I needed to use it and did n't have enough money extra to buy a second welder while I waited on a response from Paypal. I appealed this decision, Paypal contacted seller for their response, seller did not agree to a refund and Paypal told me there was nothing they could do. At this point nearly 60 days had passed so I contacted my credit card issuer to do a chargeback, they have no online dispute process so I 'm forced to mail dispute information and after receiving it credit card company tells me that because they did n't receive it within 60 days of the original charge they are unwilling to do anything to help me. I believe that Paypal deliberately draws out the length of their dispute resolution process to avoid the possibility of a chargeback when they fail to protect their customers from negligent or scamming sellers.
Consumer complaint received 2015-11-25
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: EZCORP, INC. (FL)

EZ Money Loans had a person by the name of XXXX XXXX call my wifes phone. Said he was a state attorney for XXXX XXXX texas. i called the XXXX XXXX district attorney and asked if he worked for them as a state attorney and he does not. he said there are XXXX felony charges being pushed against me and also a failure to appear. said i would be expedited from my home to texas and imprisoned. this person was trying to extort money from me off a payday loan in which i lost my job and could not pay it back. the loan was taken out when my account was active and working. he said their company tried XXXX times to charge the account and it was sent back as insufficient funds and the XXXX time it was sent back because the bank closed the account. he threatened my pregnant wife to have me pulled from my home and put in prison over a {$600.00} payday loan from XXXX 2013.
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

I disputed a charge on my Banana Republic credit card ending in XXXX ( issued by Synchrony ) under the claims and defenses section of Regulation Z ( 12 CFR 1026 ( c ) ) on XXXX XXXX, 2016. On XXXX XXXX, I received a letter from Synchrony on XXXX XXXX, requesting information about my billing error dispute and refusing to process my dispute if I did not respond. The first issue is that the form was only related to billing error disputes and not disputes under the claims and defenses section of Regulation Z. The second issue is that the form asked for all of the same information that I had previously provided to Synchrony. I tried calling Synchrony today ( XXXX/XXXX/2016 ) to determine what additional information is required, and the representative was unable to assist me. I believe that this practice of categorically denying all disputes without a customer completing a second form violates regulation Z and likely constitutes a UDAAP.
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX and I am extremely frustrated that I was not able to process a dispute with Transunion, which was received by them on XX/XX/2015 via certified mail return receipt requested. I simply received a heavily worded letter from them denying me an investigation, claiming that my verification provided was not sufficient. I am afraid that they are stalling me and deliberately ignoring my request for an investigation into an expunged civil claim. 
I had provived vey sufficient and actually excessive amount of verification and they claim that I am not who I am and therefore they will not process anything from until i forfeit more proof or documentation. 
First I would like to clarify that I have ALEADY provided them with1. Drivers License and State Identification2. My Social Security number and a copy of my SSCard3. A certified Letter costing me over {$7.00}! 
4. A signed letter from My address and residence. 

They are violating me and pushing me around by requested personal information and documentation that is overly suspspcious and not safe to send via mail. I have had cases of IDENTIFTY Theft and ban fraud committed against me and I am very weary of sending anything above and beyond expected. 
I think that my documentation was extremely sufficient and in actuality this company is avoiding me, hurting me, and accusing me of not being me. They are using such tactics a lot against consumers an that is not fair. Who else would I be? How dare they deny me after EVERYTHING I supplied on my behalf. They are being very sneaky and un productive and clearly they are choosing to ignore my issue. 

I sent this letter via certified mail and they received it on XX/XX/2015- Transunion has until XX/XX/2015 to delete this invalid Public Record Item from my credit Report or I will Purseu Litigation against them in the small claims court. I ahv XXXX consulted with an attorney at their mishandling of my dispute an their refusal to acknowledge perfectly sufficient and perfectly legible verification documents. 

I wonder what you have done with my information. Have you shredded it or kept it in archive? Because if you claim that i have not provided enough proof then I am certain you have mishandled my letter and my documents. If you can not produce these items in a court of law It will be very obvious to me who is lying here.
Consumer complaint received 2015-09-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo violated my mortgage no oral modification clause. XXXX. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Wells Fargo allowed a verbal change to my mortgage in strict violation of the mortgage and in contrary to Wells Fargo 's position in court AGAINST oral modifications. I have attached the original Notice stating the new payment beginning XXXX XXXX, 2015.
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (FL)

My latest credit statement continues to show a debt from XXXX that is several years old of {$110.00}. I negotiated a settlement on the original bill of {$230.00}, that was incorrect, with a credit supervisor named " XXXX '' in XXXX of 2013. I sent the check - they lost it, I had to stop payment on it ( I have a copy of the bank stop payment order ) and sent another check by certified mail which they cashed. In the " for '' area of the check I put the account number and paid in full. However, XXXX has passed the balance onto XXXX or XXXX other debt collection companies. I am XXXX of this and have the letters to prove my claim that I do not owe this debt.
Consumer complaint received 2015-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

I filed a dispute with Experian for incorrect information in my Credit Report, Report Number : XXXX, they said it was still open. Please refer to CFPB case number : XXXX. Today they closed the dispute without correcting/removing the incorrect information and still saying the account is mine. Everything remained the same. They have failed to provide proof of ownership for this account. 

I have contacted XXXX via the number they provided ( XXXX ) and they have no record of my alleged account. This account does n't belong to me, and I do n't recognize this debt or owe any money to this creditor. If valid it would have been paid. Both, XXXX and XXXX have concluded their investigation and removed the account from my credit report. They have verified the account is not mine and Fair Credit Reporting Act, states you are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. Just because someone opened an account with my personal information, and the creditor reported this, I am liable for the account??!?! How is it possible, XXXX credit reporting agencies have investigated and concluded the account in question is not mine, and updated the information accordingly, you still say the opposite? 

Experian needs to correct / remove the following information from my credit report :1. Address : XXXX XXXX XXXX ( This Address is not mine ) 2. Fraud Alert : An Alert was placed on my file without me requesting it. Please Remove it ASAP. 
3. Credit Account ( XXXX ) : Experian need to provide proof I opened the account in question, the purchases that were made and signed documents. I have already filed a complaint with XXXX on XXXX/XXXX/2015 against Experian. Complaint ID : XXXX. 

If you still insist in keeping the account there, and not correcting / remove the incorrect data, I will escalate this to the FTC, my state attorney general, and will sue Experian.
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (WA)

I received a document from Transworld Systems Inc,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , WA  XXXX  stating I owe for a parking ticket I received in  XXXX ,  2017 for a "  wheels not turned to the curb '' issue. The Ticket number is  XXXX  and was to be paid to  XXXX   Municipal Court.  This ticket was paid on  XXXX   XXXX ,  2017,  in full with an e-mail response from  XXXX   Municipal Court  thanking me for my payment and asking me to keep proof of payment for my records, which thankfully I did. I should not have to prove I paid something in order to avoid their attempt to coerce payment. They should have to prove I did n't pay it..
Consumer complaint received 2015-10-14
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (ID)

I use Rushcard and they informed users that they would be doing maintenance on Monday, XXXX. That was fine since it was a bank XXXX anyway. I sent money to my account from XXXX on Friday. With Monday being a bank XXXX, I did n't expect the money until Tuesday. Tuesday has come and gone and still no money. My direct deposit was also due in my account on Wednesday, XXXX, and it also has not been deposited. Rushcard has acknowledged that they are having issues, but are n't keeping users informed on the status of our money. If you look at their XXXX ( XXXXRushCard ), this is the same problem everyone is having. It 's as if our money has just disappeared and we are not getting an adequate explanation of when we can expect to have it back. Money that was available in our accounts before the system update is also now gone with our accounts giving us a {$0.00} balance. We all have bills to pay and no timeframe we can give our creditors. It 's frustrating and financially devastating for a lot of people. I understood their issues on Monday since they warned us, but this is the XXXX day and no one at the company is helping other than releasing updates that are obviously not true. Some of their XXXX numbers have been disconnected, customer service is hanging up on people, and other people are waiting hours to speak with someone. It 's unprofessional and as a financial institute, they need to be held accountable.
Consumer complaint received 2015-10-23
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CT)

ALLY Financial assessed Excess Wear on XXXX Chevy MaIibu returned by XXXX XXXX to XXXX XXXX XXXX XXXX NY on XXXX XXXX 2014 in the amount of {$1000.00}. XXXX XXXX paid out on XXXX/XXXX/2014 an amount of {$650.00} for Policy Number XXXX, Claim XXXX. ALLY refuses to credit XXXX 's Account and continues to request payment of original {$1000.00}. ALLY in violation to federal Fair and Accurate Credit Transactions Act reported original balance as delinquent to credit bureaus. ALLY continues to investigate matter further and refers matter to Collection Agency who insist even if XXXX XXXX did make partial payment, XXXX still owes the original amount ( per XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-08-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (CO)

Best Buy / XXXX XXXX have repeatedly fraudulently and with gross misrepresentation challenged a valid credit card dispute for services not rendered and/or provided in a wholly worthless manner. Accordingly this debt is not mine and they should not be allowed to misuse the chargeback dispute resolution process to attempt to collect funds from me I do not owe!
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been separated from XXXX XXXX XXXX XXXX since the beginning of XXXX XX/XX/XXXX living with my grand farther in XXXX NC XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XXXX XX/XX/XXXX. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



XXXX # XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Date XXXX Balance : $ XXXX # XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX XXXX Received : $ XXXX Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed
Consumer complaint received 2017-06-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (VA)

We closed  a Child 's Savings  account in  XX/XX/XXXX .  M & T c ontinued to charge the account.   My daughter and I went in together in  XX/XX/XXXX .   We are now receiving statements with a negative balance.   We seem unable to close this account even though we went in numerous times in an effort to do so.