davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Dear Sir, I am writing to report that I feel I am getting bamboozled by SLS. I filed a complaint with CFPB on XXXX/XXXX/2016 Case # XXXX. I complained that SLS has overcharged me for the amount of {$1800.00}. The same day XXXX/XXXX/2016 after I filed a complaint SLS executive office called me and they told me that they have reversed attorney fee amount of {$1300.00} and for my XXXX mortgage payment I only owe {$310.00} which I paid on the phone. They told me that the remaining balance of {$460.00} will be investigated. According to the response to CFPB they counted {$34.00} and {$21.00} for fee charges leave a balance of unaccountable fees by pervious servicer of {$400.00}. Please explain if this amount is a fee then why this amount was applied as credit to my principle balance. If this is a financial statue regulations please let me know which one and site the number, so I can stop this investigation. I have called every week and spent countless hours on the phone and every time they open a ticket and no action have taken place. They keep telling me I am in a loan modification process which is not true. My loan was reinstated in XXXX of 2016 and I am not in any loan modification process.
Consumer complaint received 2017-01-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (DC)

A vehicle loan were established with Wells Fargo Dealer Services ; XXXX XXXX, XXXX - total Loan Amount : $ XXXXXXXXXXXX/APR ( 60 ) Months @ $ XXXXmonth payments. Consumer purchased a ( used ) XXXX vehicle. Consumer understood from car dealer ; a warranty purchase would be added to loan. Car dealer failed to add the XXXX warranty as promised. During XXXX XXXX through XXXX XXXX ; the vehicle were inoperable ; Consumer paid {$15000.00} ( out of pocket ) for car repairs within ( 1 ) year ; vehicle remains under repairs. Wells Fargo Dealer Services ; had been advised ref ; vehicle mechanical issues and problems with vehicle. -- Consumer had requested WFDS follow through with a deferment payment plan and make a resolution to the consumer ; regarding a dispute and investigation into the car dealer 's lack of transparency to the warranty purchase. 
Consumer made monthly payments ; XXXX XXXX through XXXX XXXX. Consumer advised WFDS ref ; the overwhelming out of pockets costs to repair the vehicle ; and that Consumer would be considering a lawsuit against the car dealer ; for deceptive practices and the errors and omissions ref the loan. 
Consumer contends WFDS has ingnored the hardship and failed to work with the consumer on said loan amount ( s ), payment ( s ), and deferment ( s ) as requested ; in order to accommodate out of pockets expenses/costs for said vehicle. Consumer has ( documents ) on file regarding mechanical repairs : {$13000.00} + {$3000.00} loan payments = {$16000.00} paid in XXXX by the consumer. WFDS were aware of the issues and financial hardship. WFDS has neglected to work with consumer and has made numerous excuses as to the agreement and/or advisement made by consumer. 
In XXXX XXXX ; WFDS charged-off the loan with interest against consumer. WFDS did n't provide adequate notice nor written memorandum, nor advised consumer of options and/or consequences. WFDS has canceled and terminated loan payments and has requested consumer to make payment in full for the remaining balance in the amount of {$10000.00}
Consumer complaint received 2017-01-05
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

Hello, On XXXX XXXX I won a bid on eBay and purchased a XXXX fanny pack through Paypal in the amount of {$300.00} plus {$9.00} shipping, total {$310.00}. I was very satisfied with my purchase until the clamp broke. I sent the fanny pack back to XXXX for repair which took over a month to evaluate. XXXX sent the fanny pack back along with the letter that I submitted to Papyal in a dispute I thought I opened on XXXX XXXX. The letter stated that XXXX was n't able to fix my fanny pack because they only service products from XXXX or authorized distributors. Now at this point I 'm confused so I called XXXX @ ( XXXX ) XXXX and I was told the fanny pack was NOT authentic. At this point I 'm out of {$310.00} plus I have a knock off broken fanny pack that can not be fixed. I 'm extremely disappointed because eBay nor Paypal are willing to help get my money back. I used my credit card ending in XXXX to make the purchase. I DO NOT have {$310.00} to just give away. I even contacted the seller XXXX to get my money back and they have yet to respond. This is not only disappointing but it 's embarrassing as well. I am a good client to both Paypal and eBay and I expect the same in return. I want my credit card reimbursed the {$310.00}. 

I understand that eBay has a 30 day return policy and Paypal has a 6 month return policy but had the clamp not broken, I would 've never known this bag was a fake. I need both eBay and Paypal to make new policies because in a case where fraudulent items are being sold, there should n't be a time frame on those purchases. 

A customer should be able to get their money back if the item is counterfeit, it 's against the law to sell counterfeit handbags. 

Please help me get my money back, this is unbelievable. 

Thank you, transaction ID # XXXX
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I initially wrote in about this earlier last year and the company has yet to reponse. 
TransUnion is listing XXXX bankruptcies on my credit report that do not belong to me. 
I never lived at the addresses where these records are found. I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX since XXXX of this year. Prior to that, I lived at XXXX XXXX XXXX, XXXX XXXX, IL XXXX for 6 years consecutively. TransUnion has been notified of this issue but refuses to remove the erroneous information. They calim they got this information from the courts, but the courts insist TransUnion has gotten this information from a third party, who fails to verify the accuracy of the record. Because of this inaccurate listing, XXXX of my credit cards XXXX XXXX XXXX Bank ) was shut down. This is preventing me from purchasing a home. The attorney recommends we sue TransUnion but this will be extremely costly to my family.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I started working on my credit report in XXXX 2017 and sent updates to each bureau and I seen Trans union, XXXX, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to XXXX.
Consumer complaint received 2017-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: College Loan Corporation (OH)

XX/XX/XXXX my student loans entered repayment. I received statements for payment from all of my student loan holders except for one : College Loan Corporation. I never received one statement from them. All of my other student loans were paid as agreed. Eventually I contacted that company because I decided to consolidate my loans to make repayment easier. At that point I was advised my account was in default. I was awed because I received NOTHING from them. The loan was paid off almost immediately, XX/XX/XXXX. Now I have a delinquency on my credit report which I is unfair. Me not receiving the statements ever was extremely deceptive and predatory. The loan has been satisfied for five years with any applicable fees covered.All I ask at this time is for my good name to be restored and my credit repaired due the College Loan Corporation 's error.
Consumer complaint received 2017-01-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Automotive Services Finance, Inc. (CA)

XX/XX/2012, I got into a bind after totaling a vehicle and needed a new car bad. After shopping around I found it hard to get financing. I found a dealer who got me financing through automotive services finance and it was a disaster from the start. The dealer, XXXX XXXX XXXX XXXX, seen the vulnerability and got me a extremely overpriced vehicle at a terribly high interest rate but I accepted since I found nothing else. After two days of having the car the check engine light illuminated. I returned to the dealer, who is now permanently closed down, to get it checked and he told me I already owned the vehicle so it is none of their concern. ASF couldnt help me over the phone as well. Fast foward maybe about two years without missing a single payment. I am XXXX military and two days before XXXX the car catches on fire while I am on the highway. A bystander stopped and gave me a fire extinguisher and a follow me truck from the state of Virginia escorted me home watching that the car does not catch on fire again. The car was no longer drivable. I contacted ASF since I had GAP coverage but left to XXXX before a response was received. While I was on XXXX I sent numerous emails to ASF regarding the GAP coverage. My wife also sent emails and made many phone calls. We did not get any response and when we did get a response it was that someone would call me back. Finally when speaking to the account manager I was told someone would come out and make a estimate of the damages. That never happened. I was told they would store the vehicle for me and have a mechanic take a look at it. I shouldve known that was a lie just to be able to get the vehicle in there possession. After 6 months of making payments on time for a car I no longer had, I came back from XXXX and needed another vehicle. So I was forced to stopped making payments on the ASF vehicle to be able to afford another. The second I missed a payment is when they would start calling me but said GAP would no longer cover me since I no longer had insurance. Although I had insurance when the damage was done. They got a judgement on me and threatened to garnish my wages. The judgement is now showing on my credit reports damaging them terribly. The account is also shown as Charged-off, stopping me from obtaining any kind of credit from anywhere without a insanely high interest rate. I still make payments on the account since I want it removed and they came to a settlement with me, but the damage is already done to my credit history and will effect me for years to come. I believe this was very unfair practice from the very beginning to a consumer and a servicemember.
Consumer complaint received 2017-01-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Arcadia Holdings, LLC (NY)

The debt collector contacted me. When I asked the name of the company and of the person contacting me and what is the name of the company I owe money to they did not provide any of these informations. 
They simply asked for my date of birth and address without allowing me to verify that this was not a scam pishing call. 
To the best of my knowledge I do not have any debt and this call is most likely a case of scam. 
I feel harassed, worried and anxious as a consequence of this treatment.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Transunion is reporting false information regarding my payment status with XXXX XXXX XXXX XXXX.I have never been late on any payment with XXXX. This false report is hendering my ability to move forward with my financial health. I have filed disputes with Transunion regarding the removal of this false information. Transunion had removed these negative items but recently began re-reporting them. Please help?
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, your credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information Please Remove all the following accounts removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a credit card ID XXXX for creditor Capital One Bank, I am a victim of ID Theft and have had a fraud alert on my credit files since XX/XX/XXXX/XX/XX/XXXX. Being that I am working on my credit, I was turned down from Capital One. I make {$30000.00} for the year when I checked with my credit file I have what is considered negative accounts. On there are closed accounts because they were consolidated into XXXX account with XXXX. I do not know if the person from Capital One can see the consolidation. My score is XXXX from XXXX, when I try to call back I am being offered to apply again instead of looking into the first application.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (AZ)

I want to set a fraud alert and credit freeze with Experian. They mandate you set up an account. I have one for myself but their system says it can't verify my information and I need to contact them. I call their number but it doesn't help and you can't talk to a live person. 

Also, I tried to set up a new account for my wife, same access issue and same message to contact them. No results again. 

How can I set these up if they don't provide access??
Consumer complaint received 2017-03-10
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: WESTERN CONTROL SERVICES, INC. (CO)

I filed a complaint before in regards to this company, Western control services served the wrong address, the wrong person and I have never even been given copies of the service, I have never even heard of the person that was served and I told them about this, I called them after getting the paperwork sent to my job for verification of debt and tried to set up a payment plan with them, they asked me to send them copies of my bank statements so they can review and set something up with me, I called them and left a few messages for return call after I faxed my statements and got nothing in response, then today I came into work and got my check and am now being garnished for over 700 a month. I am a single father with XXXX children and XXXX has a XXXX that we deal with daily. I cant even afford my rent because of this garnishment. The service of the paperwork from the beginning was incorrect, I told them this and still they have ignored the mistake on their part, they have committed multiple FDCPA violations when I did call in to them, No Mini Miranda was given to me by XXXX different people I spoke too, proper verification was not completed either when I called in and they just went into the call with me. I am asking and begging for help from someone.
Consumer complaint received 2024-10-04
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. (OK)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/year> I received a call from a XXXX XXXX stating that she was calling from XXXX XXXX XXXX. She was calling to let me know that the company had mailed out a settlement offer on a Capitol One account ( over 10 years that account has been closed ). I advised her that I did not receive any settlement offer, and asked if she would be able to email me the letter. I was emailed a docusign document which was a Validation of XXXX. She stated if I would not sign document before XX/XX/XXXX they would proceed with legal action, put a lien on my property or garnish my wages. 
I tried looking for XXXX XXXX XXXX online but was not able to find any information on company. I also contacted Capitol One, advised credit card was charged off and transferred to XXXX XXXX XXXX. I also contacted XXXX XXXX XXXX and they no longer have my account information.
Consumer complaint received 2024-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I was falsely notified that I could make an additional payment on the principal of my loans. In XX/XX/XXXX, I used the Maryland Student loan tax credit to make a payment of {$1500.00} on the principal balance of my highest interest/balance loan. The payment was applied only to the " outstanding interest '' after several calls and messages in which Mohela said they would adjust the payment to the principal balance, I was informed later that it was not possible. I requested a refund on XX/XX/XXXX and as of XX/XX/XXXX that refund request was still " open and pending '' per Mohela 's records. The Mohela agent I was notified me she would put in an " escalation request '' it would take another 5-7 business days for the status to change and that would mean the refund would be past the 90 business day timeline for refunds. 

As of XX/XX/XXXX I still have not received any refund from MOHELA. 

I have contacted them via phone several times with wait times going from XXXX minutes to well over XXXX minutes with either no call back or worse, disconnected calls with no follow-up. 

When I was finally able to get an agent on the phone on XX/XX/XXXX, after XXXX minutes of re-explaining the situation to her, the agent transferred me to a " resolution specialist '' The Supervisor, XXXX, informed me that the refund was still listed as awaiting review she said she put in an expedited request which again would take another 5-7 business days to process. This call alone took over XXXX hours. 

I can not stress enough how exhausting this has been to keep reaching out to get my refund that was requested 148 days ago now. 

I have XXXX additional pending refunds for erroneous billing from Mohela ( payments in XX/XX/XXXX and XX/XX/XXXX and refunds requested for both in XX/XX/XXXX ). I feel that Mohela deliberately delays the processing of refunds and is vague with communicating the status. Information is not available on the Mohela site. They have poorly managed communication via email or other means. Almost every other month, I am reminded that Mohela is incapable of servicing my loan with integrity and am forced to do additional follow-up and inquiry.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I Looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 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. 

I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE.
Consumer complaint received 2017-01-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GEMINI CAPITAL GROUP, LLC (GA)

I was served and went to court on for a credit card debt and I was garnished. The issue is it is my understanding when I went to court I disputed that the debt was too old or that there was credit protection on this account, I am still not sure if it was from XXXX or Bank XXXX. I am sure that I did not own $ XXXX. I have been garnished and I did not work the majority of last year being I was treating for XXXX XXXX. I am a XXXX and I do not know when I am returning to work but I would like to have this off of my credit report.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

About 5 months ago, I disputed several erroneous accounts on my Experian Credit File. Experian stated that they were verified to be my accounts. They never provided any names of anyone that verified this information per my dispute. I recently disputed the items for different reasons, and the following explanation was provided. " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. '' The following accounts were disputed, and need to be disputed again. 

1. XXXX XXXX this item Account Number : XXXX .... 

2. XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 

3. XXXX Dispute this item Account Number : XXXX .... 

4. XXXX XXXX XXXX Dispute this item Account Number : XXXX
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

I contacted Experian to have names incorrect names removed from my credit report. They advised me to find the " creditors '' who have reported the information and would not assist me updating the account regardless of proof of identification. When asked to speak to a supervisor I remained on hold until the representative eventually intentionally disconnected the phone call.