davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-27
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TD BANK US HOLDING COMPANY (TX)

I went to apply for a loan through a credit union only to discover that I had a repossession on my credit and was denied the loan. I had never had a car loan with this company. I contacted the company and they said I was the primary signer on the account. I asked them for a copy of the signed contract and any information regarding the account. They told me they did n't have a copy of the contract and would send me the paperwork of when car was sold at auction. They did n't have an order of repossession. The account was opened over 9 years ago and closed almost 6 years ago. I have never received anything from them. I told them that this is fraud and they said to contact their fraud department. When I called the fraud department it was a voicemail recording. I left several messages for them to call me back and now been waiting a month. I called the company several times and got conflicting stories with each new person. I was told to file a police report but I do n't have any documentation to suggests fraud or identity theft either way. The finance company would n't tell me the dealership for me to contact them directly too. I would think there has to be a paper trail somewhere. The finance company TD Auto Finance.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

The original debt and lien was created by XXXX XXXX, XXXX in XXXX, Texas, An unlicensed mortgage banker. The debt was supposedly transferred to XXXX Bank after closing, however, there is no record of that transfer in XXXX XXXX, Texas as is required by law in the State of Texas. 

The original creditor, and not the debt buyer, is the party responsible for reporting information about the debt to the credit bureaus. Typically, at some point prior to selling the debt, the original creditor will report that the debt has been " charged off. '' The debt buyer can not change or remove this information from your credit report. Only the original creditor can do so. 
XXXX XXXX was our original creditor and as the chain of title with lack of registering any transfers according to the laws of the State of Texas, that would legally make XXXX the purchaser of a debt and not the legal holder of the Deed of Trust and Promissory note. 
This debt has been cancelled by Declaratory Default Judgment of wrongful foreclosure in XXXX of XXXX and the Deed of Trust and Promissory Note is no longer enforceable. 
" The damages for wrongful foreclosure, particularly a willful ( or knowingly ) wrongful foreclosure ( in a non-judicial foreclosure state ) can be quite substantial, including the loss in value of your property, the costs to you of having a poor credit rating because of the foreclosure, the costs of moving elsewhere, emotional distress, and various other costs, including consequential damages which the bank could have foreseen when it wrongfully foreclosed. '' These actions have caused undue hardships on us financially and personally. A seemingly willful disregard for the laws of the State of Texas and refusing to abide by the orders of the court seems to be a matter of contempt. 
The reported no payments were court ordered as the foreclosure process was wrongful and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Banker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. 
The mortgage began in XXXX of XXXX and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. 
XXXX is the company, along with XXXX that put the pressure on us and refused to speak with me, the third person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX as a Debt Collector, refuses to close this and wipe the slate clean.
Consumer complaint received 2024-09-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group (NY)

They sent a fake court order from an attorney when the actual company knows that I had been affected at that time by XXXX and another company bought the debt and even sent people to an old address where I had been getting harassed by. I had to change work locations due to near attempt of XXXX  from the individual who I had reported back in XXXX. A XXXX  individual in front of my house gave me the document attached
Consumer complaint received 2017-03-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Bread Financial Holdings, Inc. (NH)

I applied for and was approved for a credit card with XXXX XXXX ( Commenity Bank ). I was not provided the terms and conditions at the store, being told they would be sent to me in the mail with my card. I did not receive the card, the terms and conditions or my first billing invoice. I only received the second invoice which listed a 27 % interest rate, a late fee and a monthly {$2.00} minimum activity fee. I called and immediately closed the account and authorized full payment of the account balance through the automated system. This amount was not deducted from my account, but instead a {$37.00} late fee was added and the account marked late on my credit report. I attempted to corrected this with Commenity but was told they they would not remove this incorrect information because they attempted to contact me through a phone number that I never had.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CREDIT COLLECTION SERV ACCOUNT # XXXX. HAS VIOLATED MY RIGHT. 

12 U.S.C 1681 SECTION 602A. STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 604 A SECTION 2 : IT ALSO STATE A CONSUMER
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-09-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (MI)

The representative, XXXX, from Atlantic Credit and Finance Inc. has called repeatedly, include at my work place. The first time she called on my job, I asked her not to. She called again this week ( Tuesday, XX/XX/XXXX ) I asked her again not to call and hung up. On Wednesday, XX/XX/XXXX she called my cell phone under a number that came up " unknown. '' When I answered, she urged me not to hang up, and insinuated repeatedly that by not cooperating with her or hanging up would not do me any good. I sternly asked her not to call me again and hung up.
Consumer complaint received 2015-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AP)

XXXX XXXX ( now XXXX ) is showing my final payment on my mortgage as 30 days late. It was " late '' because, despite repeated attempts by me, the company failed to give me the final payoff amount in a timely manner.
Consumer complaint received 2024-10-11
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX/XXXX/202
Consumer complaint received 2016-05-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have been receiving multiple calls per day, up to 14, several times an hour, some with 'Portfolio Recovery ' in the Caller ID, the others showing as 'Unavailable ' or from a multiple of states and numbers.. 

The 'Unavailable ' and multiple states/ numbers phone calls are actually from 'Portfolio ' as I have been answering the calls at various times, and the callers states that they are calling from 'Portfolio '. 

Despite repeatedly requesting any documentation regarding the debt, I have yet to to receive any correspondence. I was advised by the company, that they 'do not communicate via mail ' and 'all matters were handled through telephone '. 

I have repeatedly requested that they do not call multiple times each day, or to please record a message on my answering machine. I have been told that they are 'unable to leave any messages regarding the matter ', despite previous instances of messages being left. The usual format that they follow with the repeated phone calls is to wait on the line until the machine answers the call, proceeds through entire recorded message and then 'beeps ' to indicate recording period. They then hold the line for several seconds and then hang up.
Consumer complaint received 2017-02-16
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: United Military Mortgage, LLC (OK)

I was offered a refinance in the mail by a lending company. As a veteran I had intention of moving from XXXX Oklahoma to XXXX and with that wanted to purchase a new home using the second tier of my va loan entitlement. During the refinance process I was told that it would pay off the current va loan, and allow me to utilize the VA loan again to achieve my goal of property ownership in XXXX for a new job in a new location. While talking to my current loan officer while trying to obtain a new property to commit to the move in XXXX I was informed that the company did not refinance the property in the correct manner to sever the initial loan, they instead robbed me of my second tier entitlement with VA financing which has forced me into a position that I am no longer eligible to purchase a new property closer to the job and location that I desire. This is incredibly frustrating and shocking as I was blatantly lied to, this has destroyed my hopes of moving to the location that I desired. The refinance through the company did allow me to fix some much needed repairs, but ultimately t was not done in the correct manner. It seems to me that the company saw it easiest to simply use my second tier entitlement. I can not remember where I found the company, I believe it was through a letter I received as at around 1 year of ownership of my current property I received many letters in the mail from various companies offering " refinances ''. Thank you for your time and consideration to this issue. 

XXXX XXXX XXXX
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MN)

Balance of {$280.00} was reporting instead of {$0.00} balance. On XXXX XXXX, 2015 received a response from Equifax stating the balance was changed to {$0.00}. On XXXX XXXX, 2015 myfico alerted me of an XXXX point increase in my score from the corrected {$0.00} balance being reported. Not today, XXXX XXXX, 2015 myfico alerted me of an XXXX point Drop in my Equifax score due to my balance being reported as {$0.00} to now {$280.00}. My credit card company does not report until the last day of the month and this is n't a balance I have on my card right now. This is the balance that was changed from {$280.00} to {$0.00} by Equifax and then to {$0.00} back to {$280.00}. Equifax please stop playing with people 's credit especially during the mortgage process. This is intentional it appears.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC (FL)

I have been working very hard to raise my credit scores, so that I might try to buy a home instead of renting. I have had child support issues in the past, mainly due to financial hardships out of my control, layoffs, injuries, ect. I have i.d . theft protection thru my bank, which I pay for monthly. this gives me access to my credit report on a daily basis, from the XXXX major companies, XXXX. when I told my real estate agent that my score was above his requirement to get me financed, he went ahead with standard credit check, on XXXX the company he used was called corelogic-credco. they sent him what they call a CREDCO INSTANT MERGE CREDIT REPORT. it reflected the positive payment history on my credit card, but did not show the positive payment history on my XXXX child support cases. when I look up my own report thru any or all big XXXX credit bureaus, they show positive payment history dating back 24 months on XXXX child support cases. Credco 's report shows NO payment history, and have XXXX child support cases listed as in COLLECTION. this is not true, due to the fact that Missouri is garnishing my social security, and my pension for this child support and have been doing so for years. I called credco, and they told me that they forwarded the report to my real estate agent, just the way they received it XXXX. I tried to call XXXX to no avail. why can I get my report with positive payment history, but credco and my real estate agent can not? this flaw in the system cost my home loan approval, even with my V.A. home loan certificate. my agent tells me that if the credit report would reflect my good monthly payment record for these XXXX child support cases, that he could have pushed loan approval thru. I reached out to everyone I could contact, only to get the runaround. everyone points the blame to someone else. are there not laws to protect people against wrongful or half truthful, or incomplete reports? seems to me that this system is set up to report as much bad as possible, so that the financial institutions can make money buy jacking interest rates on people with less than perfect credit scores. thanks
Consumer complaint received 2017-02-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo is in violation of The Fair Lending practices as per Massachusetts statutes, as well as in violation of unfair, deceptive, and predatory Federal lending practices. My car was repossessed without notification and or any explanation of this repossession. Wells Fargo has not answered any questions as to why this happened and have changed their story numerous times. I have had no help in understanding this process and why it has happened. The only response I receive is that they can not help me, and then they transfer me to someone else resulting in more responses of not being able to help me. I have only been transferred to Wells Fargo branches and even the Office of the President who was unable to help me understand anything. They then continued to tell me it is out of their hands and I need to contact the XXXX XXXX XXXX. I received their number and it turned out to be another Wells Fargo branch who could not help me once again. I was told from the beginning three different stories. The first story was that my account number was wrong, then I was told that my account could not be located. I informed them that I used my debit card to make the payments and then they changed their story and said that there was insufficient funds in my account and that the payment was reversed and sent back to me. I then asked what that meant, and was then told that Wells Fargo sends the request for the payment to my bank and then my bank ( XXXX ) either gives them the money or says I do not have those funds available. I went into XXXX at that time after hearing this from Wells Fargo and asked if they could track if Wells Fargo tried to take the money out. The representative told me that Wells Fargo never targeted the account and no payment was debited or reversed. I reported this information to the Office of the President of Wells Fargo who proceeded to change their story once again and told me that I must have inputted the wrong debit card information. After attempting to resolve this problem for over two weeks, I have nothing but unanswered questions. I have numerous emails to Wells Fargo asking them for assistance dated back to XXXX and I never once received an email back until, coincidentally, after they repossessed my car and I brought it to their attention of all the times I tried to contact Wells Fargo, I received an email XXXX XXXX saying that all my previous emails were received. I also received an email on XXXX XXXX saying they would debit my account from the online payment I made on XXXX XXXX. I asked Wells Fargo why I received that email if my payments never went through, and their response was " Well we just send those out ''. I never received any notification of a payment being reversed. I have not received any straight answers, only multiple different stories and no assistance from anyone. 
Please find the following supporting documents attached : Emails reflecting payments Emails reflecting confirmation of payments made
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

this is not a complaint as much as it is feedback overall i like capital one. they have helped me i need my case and needs individually analyzed and carefully analyzed. 
i need some extra time to pay my credit card bill and if possible any extra points to help me with balance. in addition to over a XXXX in medical debt currently in litigation for provider to pay i lost my AC and my fridge this summer. i only use your cards due to the excellent cusomter service. 
i am also needing more time to pay no interest please. some of those expenses are from months ago. please they were essential. my birthday is coming up and i would appreciate it. 
please consider helping me i use your cards when i have to and responsibily due to exemplary XXXX. i also had written about a business account and needs i have but to my disappointment just got a script back
Consumer complaint received 2024-08-11
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 Section 602 A, states I have the right to privacy 15 USC 1681 Section 604 A Section XXXX states a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2019-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I was late on mortgage payments. Wells Fargo refused to apply my payments that had cleared my bank, to my mortgage loan until I paid their over estimated attorney 's fees. Beginning XX/XX/2018 through XX/XX/2018. A portion of those attorney 's fees were refunded back to me, but not until XX/XX/2018. When I resolved the foreclosure process on XX/XX/2018, I paid the XXXX payment that was not late along with the attorneys fees they demanded before they would reinstate my mortgage. They were holding a total of {$5000.00} of my money, but would not apply it to my mortgage note.They help previously paid mortgage payments for several months. So it appeared that I owed more than I actually did. This led to me also being sued by my ex husband in Texas court and now I owe him a judgement as well.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports