davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX and Transunion will not acknowledge any of my attempts to obtain my credit reports and/or mailed copies of my statements pertaining to fraud. I am unable to create an account as any identifying information requested to do so is Fraudulent and incorrect information- the same information I am trying to have removed! 

I have tried calling- but again I am requested to verify personal information that is not mine and incorrect. XXXX and Transunion have at the most only responded to mailed statements and my photocopies of my government ID 's and social security card with " please send us copies of your ID and police reports. To have sent that to receive that response demonstrates they are not actually reading and reviewing what I have sent.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have reached out XX/XX/XXXX and they have lied to the CFPB and stated they responded and they never have. This is my second attempt reaching out. 

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

Here are the following inquiries XXXX  XXXX XX/XX/XXXX, has violated myrights. 

XXXX XXXX XX/XX/XXXX, has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XX/XX/XXXX has violated my rights Below here are the accounts XXXX XXXX XXXX XXXX, has violated myrights. 

XXXX XXXX XXXX, has violated myrights. 


15 U.S.C 1681 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 make 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 more than seven 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 2019-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Sallie Mae-Navient lied to get get me to switch my perfectly good account with XXXX promising a very very low payment. They offered me loan forgiveness and charge me {$500.00} to switch my account over locking me into very low payments. I am being way over charged in interest and they are requiring me to pay an incredibly high payment which is not at all what I signed for! My balance on my account does not reflect all of the years of on time payments I have made the amount keeps getting higher! My interest alone in 2018 was {$2600.00} PLEASE PLEASE HELP!
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was sued and currently have a garnishment of XXXX  % of my wages being taken from a supposed account opened in XXXX. An attempt to collect is from XXXX I am not paying for when the statute of limitations in the state of Florida is 5 years. This should be illegal.
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2023 at XXXX am, I received a text message from a number : XXXX ( XXXX ) XXXX that stated " Wells Fargo Bank : Did you attempt a transaction for {$3500.00} XXXX Reply Yes or No. Reply HELP for help or STOP. Data & Msg rates may apply. '' I replied NO and shortly received another message stating " Wells fargo Bank Fraud Department : Due to The ( No ) Response, A Representative will be contacting you shortly. Msg & Data rates may apply. I immediately called Wells Fargo Customer Service ( XXXX ) and during the phone call, I received an incoming call from the same Wells Fargo Customer Service number ( XXXX ) ; I hung up the first call and proceeded with the second call ; I was told that I was talking to a representative named XXXX XXXX who was going to help me get my money back. During the conversation, he already had my card information and was explaining to me the process of how the {$3500.00} was going to be refunded. XXXX minutes later into the call, he transferred the line to another number ( XXXX ) while I was being put on hold from the first call. He then instructed me to go through my Wells Fargo XXXX banking app and add the recipient named XXXX XXXX ; he stated XXXX XXXX works for the XXXX XXXX Department and will be returning the {$3500.00} back into my checking account. Before the transaction, he brought up my debit card number to make sure that was the card that was being used. He repeated the first XXXX numbers on my debit card and then asked me to repeat the rest of the numbers. After exchanging the debit card information he then instructed me to send {$3400.00} to XXXX XXXX with the number ( XXXX ) through XXXX. After the transaction, the representative XXXX told me my account will be on hold and I will be receiving a new debit card in the mail. The conversation ended with XXXX stating I will be receiving a call from Wells Fargo Customer Service about the update on my account. The official call ended at XXXX XXXX. At XXXX XXXX, I called Wells Fargo Customer Service to see any update on my account; finding out there was no call recording the scam incident. I then had to file a debit fraud claim through the Wells Fargo fraud department explaining the incident. On XX/XX/2023, I received my fraud claim letter from Wells Fargo stating the case is closed because I made and approved the XXXX transaction to XXXX XXXX ; Wells Fargo Fraud Department stated they contacted XXXX for the refund. However, XXXX declined the refund because their policy stated they dont cover buyers protection. After contacting a Wells Fargo management branch, I was told to file a police report. On, XX/XX/2023, I reopened my case again to send the police report. However, my police report was put on hold because only the Wells Fargo Fraud Department could request the report instead of me submitting it to them.
Consumer complaint received 2018-02-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (VA)

I have asked the company to notify me in writing about the loan. Over the course of the vehicle loan, the company would resort to calling third parties or individuals with the same last name in cities located outside of where I live. 

I wrote them to ask them to stop this practice and eventually believed that the aforementioned collection practice ceased. 

I have a landline set up for the purpose of using internet services. I also asked the company to communicate with me through the United State Postal Services. I received no billing statements from them for approximately a year XX/XX/XXXX. They wrote with an apology to say that it was an error due to their system. 

The vehicle loan was taken out approximately 5 years ago. I am currently employed seasonally. During the winter my work hours are reduced or are totally cut because I am considered an adjunct staff. 

I was 2 full months behind on the vehicle loan and have since paid the 2 months arrearage on XX/XX/XXXX The lender has demanded that I pay {$980.00} by XX/XX/XXXX including late fees in the amount of {$240.00} I paid {$740.00} cash on XX/XX/XXXX at a local banking retail center. The amount of {$370.00} was due on XX/XX/XXXX. I will be able to pay the XX/XX/XXXX and next payment of {$370.00} by XX/XX/XXXX The lender forwarded a NOTICE OF DEFAULT AND REQUIREMENT OF STRICT COMPLIANCE letter dated XX/XX/XXXX I received said letter on XX/XX/XXXX after XXXX XXXX. 

The vehicle loan 's maturity date is XX/XX/XXXX Due to the approximate 1 year, I have left to pay on the vehicle loan and my current seasonal employment status which has changed since the life of the loan, I respectfully ask that the lender not enforce strict compliance in amounts not currently due.I am also asking that the lender accept current and all future payments so that I may satisfy the vehicle loan by said date of maturity. 

Pursuit of sections 805, 807, 808 all that would apply under the Consumer Financial Protection Bureau ( CRPB ) I am not in agreement with the lender 's threat to enforce repossession of the vehicle/ collateral or threat of legal action for any amounts due. 

I believe that I have given the lender a chance to correct the communication errors that have occurred during the lifetime of the loan. 

I ask that the lender offer a fair chance to me as the consumer and customer to bring the loan to a payment status that is satisfactory including past due amounts and any amounts that have become due before the payment deadline. 

I am therefore asking that the Consumer Financial Protection Bureau advise me of my rights and responsibilies as a consumer in order that I may bring resolution to this matter of business in a fair and respectful manner.
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

I have contacted Credit Management LP several times to remove this debt. It has affected me in many ways since it has been reported to my credit. All Credit Management LP says is that the debt is " verified '' by the company with no actual physical proof, no affidavit, no contract, nothing with my signature, literally nothing. They do not even have my name right in the letters they've sent. I have demanded deletions several times because they have not complied with the law and have not sent any proof with my name and signature. In the last letter I sent to Credit Management LP, they referred to my numerous attempts to validate this debt as a " frivolous dispute '' when I am fully within my right to ask for verification under the FCRA. I have been trying to get rid of this mark on my credit report for a long amount of time and would like it finally removed.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CO)

There are 2 phishing charges on my account and capital one actually alerted me about these charges and asked me if 1 of the charges were legitimate at XXXX XXXX. I obviously was not making a charge at XXXX XXXX  while sleeping, so it was not. At that time I looked back at charges and noticed another {$5.00} charge from the same vendor and realized this was from XXXX XXXX XXXX, and called them in the morning & they told me it was a common phishing scheme. I called capital one as instructed to get a new card and report these charges as fraud and was told that phishing isnt fraud. Its a scam. And they do not cover scams and Im responsible for the charges. Umm what? Since when are scams not fraud? I then said that I ordered a product and never received it and they told me that they would try to reach out to the company listed on the charges but if they couldnt reach them, Id be responsible for the charges. I said I could prove I never got the product, and they said it didnt matter because I fell for a scam. Ive never seen such a thing from a bank or credit card company. Theyve always covered these things!! And capital one states they Do cover such things with their Savor One Card.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

EXPERIAN HAS BEEN REPORTING INNACURRATE BANKRUPTCY INFORMATION UNDER THE PUBLIC RECORDS SECTION OF MY CREDIT REPORT. YOU WILL FIND SUPPORTING DOCUMENTATION THAT PROVES EXPERIAN NEGLECTED TO INVESTIGATE THIS INFORMATION DESPITE SEVERAL REQUEST DATING BACK TO XX/XX/2016! 

EXPERIAN HAS BLATANTLY IGNORED MULTIPLE REQUEST TO REMOVE THIS BANKRUPTCY OFF MY REPORT, CLAIMING THE INFORMATION HAS BEEN VERIFIED BUT REFUSING TO PROVIDE ANY DETAILS ON THE METHOD OF VERIFICATION WHICH HAS BEEN REQUESTED NUMEROUS TIMES WITH NO RESPONSE. 

I EVEN PROVIDED EXPERIAN WITH A LETTER DIRECTLY FROM THE GEORGIA XXXX DISTRICT BANKRUPTCY COURT STATING THEY DON'T VERIFY ANY INFORMATION WITH 3RD PARTY REPORTING AGENCIES. THIS PROVES THAT EXPERIAN 'S CLAIM TO HAVE VERIFIED THE INFORMATION IS COMPLETELY IMPOSSIBLE BECAUSE THE COURT IS THE ONLY ONE WHO IS ABLE TO VERIFY THAT THE INFORMATION IS ACCURATE. EVEN AFTER BEING PROVIDED WITH THE LETTER, EXPERIAN RESPONDED AGAIN BY CLAIMING THEY VERIFIED THE INFORMATION, OBVIOUSLY INDICATING THAT NO INVESTIGATIONS ARE EVEN BEING PERFORMED AT ALL, EXPERIAN 'S JUST AUTOMATICALLY RESPONDING WITH THE SAME EXACT VERBIAGE FROM THE INITIAL DISPUTE IN 2016 WHICH IS COMPLETELY UNACCEPTABLE AND VIOLATES THE FCRA! 

I ALSO PROVIDED DOCUMENTS TO SHOW THAT EXPERIAN HAS A LONG HISTORY OF REPORTING INACCURATE PERSONAL IDENTIFIABLE INFORMATION ON MY CREDIT REPORT. FROM 2016 TO CURRENT YOU CAN SEE THAT EXPERIAN REPORTED SEVERAL VARIATIONS OF THE WRONG SOCIAL SECURITY NUMBER, UNKNOWN ADDRESSES, EVEN THE WRONG NAME ON MY REPORT. I FIND THIS ENTIRE SITUATION COMPLETELY UNACCEPTABLE AND DEFINITELY UNFAIR. I'M ON XXXX XXXX AND HAVE SERVED FOR 14 YEARS IN THE UNITED STATES XXXX BUT DUE TO THIS INACCURATE INFORMATION I AM UNABLE TO EVEN GET APPROVED TO PURCHASE A HOME FOR MY FAMILY USING THE VA LOAN. I AM FORCED TO LIVE APART FROM MY WIFE AND CHILDREN DUE TO MY LOCATION UNDER MILITARY ORDERS AS A RESULT. PLEASE HELP ME IN GETTING THIS INFORMATION CORRECTED. THANK YOU FOR YOUR CONSIDERATION.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (TX)

I already filed a fraud complaint about the unknown credit inquiry from ally financial, which appeared on my credit report. and I did this a while ago and the ally financial yesterday started sending me weird emails just now and I reply back to it stating it is fraud. it is sent from XXXX and also a second email sender shows and it is and states : '' On Wednesday, XX/XX/2023 at XXXX XXXX  XXXX, XXXX wrote : Please use this validation code to complete your registration : XXXX Note : This code will expire in 30 minutes. Re : Proofpoint Encryption Registration I have blocked it and it is fraud and unknown and ally financial is acting as a fraud or being used as such and ignores this fraud.whatever it is. and tries to get me to register an account..
Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC (LA)

I recently had the opportunity to pay off old debt from over 5 years ago ( they were not one of the creditors ) and then I was told that they called me to set up a payment plan but I don't remember doing that yet they keep trying to run the payment through. I'm not sure how they got my debit card number unless they got it from the original creditor. I tried to reason with them but the only response I got was that if I didn't set up a payment plan, they were going to sue me and I should expect a service processor soon. No one gets a heads up of being served. I'm from a family of attorneys. I know how these things work. I have tried to reason with these people but there is no reasoning. They are dangerously close to getting sued for harassment. It needs to stop. 

Thank you
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

Well I have a checking account with chime for the last several months there has been a lot of fraudulent transactions on my account. Chime will not recognize these they keep denying me the money to be put back into my account. My account has been hacked an a lot of money has gone from my account to XXXX XXXX then XXXX. They took over {$1100.00} this month an I live off of XXXX payments. Which is only {$1200.00} a month but there has been over {$12000.00} stolen from my account an chime refuses to refund me any of my money my account with chime has been hacked an they just keep letting them get away with it, I've lost XXXX storage units with all my belongings due to chime not reimburseing my account that was everything I owned which was a total of {$67000.00} an now I will be homeless at the end of this month due to chime.
Consumer complaint received 2019-01-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

To Whom It May Concern, On XX/XX/19 I received a letter from XXXX XXXX XXXX, a collection agency in XXXX, FL, on behalf of Toytoa Motor Credit. The notice was for a balance for {$980.00} for an unknown to me at the time services/fee/charge. I reached out to XXXX on XX/XX/19 to validate the debt and make the necessary arrangements to have this taken care of. I found out that this was the deductible balance owed on a leased vehicle through Toyota to which I was a co-signer for a XXXX XXXX as the primary account holder. XXXX and I do not live together, nor communicate so at the time I had no idea this balance was even owed. I never once received a call or letter from Toyota stating that the balance was due and if not paid the account would be forwarded to collections and listed as a charge-off on my credit report. Had it been made aware of the debt I would have seen to it that it was taken care of by XXXX and/or paid the balance off myself to protect my credit. 

On Saturday XX/XX/19 late evening I received a notification that Toyota had listed the account to the credit bureau as a charge off / collections account negatively impacting my credit score. I called XXXX on XX/XX/19 to find out what as going on and they indicated that this was coming directly from Toyota. After calling Toyota to dispute this listing the CSR was not helpful, quite rude, and I got nowhere. The line I was told over and over again was " we are contractually obligated not to speak to you about this account ''. Even though they are the ones who are reporting this to the credit bureau. I'm writing to you today in hopes that this will create some buzz and ultimately get Toyota to remove this from my credit report as the debt was never validated and now they are screwing up my score. 

I would like to make it very clear that XXXX XXXX has been great to work with. My issue is only with Toyota Motor Credit Corp! 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2023-07-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I have mortgage through Mr : Cooper since XXXX on my primary residence property XXXX hermosa way, XXXX fl XXXX. 
I have been making my payments on time since I bought the home. On XXXX due to Covid I lost my job for few a months, therefore I was placed under Covid forbearance program which I was accepted for more then 6 months. I went back to work, and was ready to start re paying my mortgage. I was told to apply for loan modification program which I did in beginning XXXX. However it took them a few months to send me proper paper work. I received the paper work via email and went to local FedEx to notorized the paper work as well as send them via certified mail. I waited from XX/XX/XXXX till XX/XX/XXXX thinking they will get back to me with an answers which I never received. 
I wad told they never received my paper work and my loan modification fail through due to not receiving paper work on time. I don't understand how come they never received my " certified paper work ''. And that I have to re apply again. I re applied again for loan modification in XXXX XXXX, hoping it will get resolved so I can pay my mortgage. I submitted all necessary paper work, was told everything will be completed soon by end of XX/XX/XXXX. 
All of sudden my application again disappears, and I do not see anything online for status update. I spoke with the agent and told me that my application was switched to " easier program '' through FHA loan that is why I can't see anything online. Since it was switched to different program under modification they have to redo whole thing again per conversation. 
Finally on XX/XX/XXXX, they accepted my application and was told it will get done within 60 days. It's pass 60 days and still have no answers. 
Due to delay on this program, my mortgage been stacking every month and unable to pay partial or even something because they demand I pay past balance due of XXXX or esle they will be foreclose my home. I received letter from foreclose from Mr copper for not making monthly payments which I couldn't pay because my loan was under modification status for so long and they keep messing up. 
Foreclosure is on hold they said because my application is still under modification underwriting. I get phone call from them telling me if I don't pay my balance it will be foreclosed. Then some other people tells me forecloser on hold. I'm very confused with what they are doing with this process. 

My loan modification underwriting been taking all these time and I'm left unanswered. I live with my 3 children, I'm a single mother and I'm a nurse. I'm fully capable of paying my monthly mortgage payments.

I need Mr Copper to give me honest and full disclosure and stop running me around and I do not want to loose my home. 

Please help with this process and why they are taking this long to simple modification of my FHA loan. 

I appreciate your help Sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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: OneMain Finance Corporation (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.