davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (TX)

Several banks and servicers have attempted to illegally take my home using fraudulent and bogus documents. XXXX started this in 2008 ; many banks used delaying tactics and phone mills/robosigning and refusing payments to put my home into jeopardy. I have been able to thwart XXXX seperate attempts to foreclose with the help of our local District Judge and Temporary Restraining Orders. I have reliable authoritative witnesses to the 'Transfer of Mortgage ' document XXXX ( recently they cancelled the sale of my home and transfer my case to Shellpoint Mortgage Servicing ) & Shellpoint Mortgage Servicing have used to say they have the right to foreclose, but they have no standing. Attempting to extort money from me using a fraudulent document is illegal. Their licenses to operate need to be revoked, and they need to cease and desist attempting to collect money from me, or any homeowner, unless they have a clear, legal chain of title. Which in my case they do n't or they wouldnt need to use one that is so simply proven to be fraudulent.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CT)

A customer purchased a subscription with my company, XXXX XXXX XXXX  XXXX XXXX, received her product and then disputed the charge claiming she didn't receive services. She purchased the initial service on XX/XX/XXXX for {$490.00}, then when she renewed on XX/XX/XXXX for {$490.00}, 2 days later she requested refund after being provided services. Stripe the payment processor went through the dispute with me and she got her money back even though she received services. I called JP Morgan Chase, they didn't help at all.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (MA)

I received a payment card with the XXXX logo from Block Inc. ( Cash App ). I never requested this card, do not want this card, and do not actively use Cash App. Unless I'm mistaken, sending someone an unsolicited payment card is a violation of Regulation Z Truth in Lending Act.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has a credit card on my credit report that I never open. It says I open a credit card in XXXX XXXX but I never had a credit card through Wells Fargo. But I have had a auto Loan with them open in XXXX. I reported this to the credit bureau in XXXX but they failed to remove it from my credit report.
Consumer complaint received 2016-09-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Weltman, Weinberg & Reis Co., L.P.A. (TX)

I have been getting calls again concerning my private student loans this time coming from the XXXX XXXX, Ohio office of a company called Weltman, Weinberg , & Reis Co, XXXX that kept calling me and my mother, who is a cosigner. I spoke with a representative of the company who offered an " aggressive settlement '' that would take out an excessive amount of money from my mother 's retirement to pay a part of my loans. We have been paying the regular monthly payment of the loans, but it is hard for us at this time to get out of the default on my loans until I get a better job within a year 's time hopefully after my graduation with XXXX degree XX/XX/XXXX. My mother does not need any more phone calls to give her stress because she has been to the hospital already within a year 's time, and that has contributed to her health struggles. I would like that the loan company stop calling us please. Thank you.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE AUTO FINANCE Account number XXXX Under the provisions of the CARES Act, which aims to protect consumers affected by the pandemic, I am requesting that you consider removing this late payments from my credit report as a gesture of goodwill. I am confident that this isolated incident does not accurately reflect my creditworthiness or financial responsibility. The late payments in question was an anomaly caused by the unprecedented financial strain I faced during the height of the pandemic. 
The late payments listed were during the pandemic XXXX XXXX XXXX days late XXXX XXXX days late XXXX XXXX- XXXX  days late XXXX XXXX days late XXXX XXXX XXXX days late Furthermore, the reporting of the late payments is inaccurate, a payment can not be considered XXXX  days late XXXX months in a row. This isn't factual reporting and is a violation of my consumer rights. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, all information must be reported accuracy.
Consumer complaint received 2015-08-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

I opened a WellsFargo student checking account for my student aid and after a year the account was changed into a regular checking account with monthly maintenance fees without my knowledge. I incurred several months of maintenance charges and received an overdraft in my account by a {$3.00} dollar charge. I now have a balance of - {$44.00} after {$60.00} was taken out of my account for maintenance fees. I searched my statement and I used my debit card XXXX times every month, except for the last month on my statement ( XXXX transactions ) which would have protected me from the maintenance charge, but it did not and I was still charged a maintenance fee for the past 6 months.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

Discussed their withdrawal procedures multiple times and yet the vast majority of their transactions dont process without manual review that takes an additional 3 days beyond the actual deposit hold. 

They fall back on their right to do this but this is not the experience that Ive ever experienced with any other savings back. 

A search of the internet shows this is prevalent and unique to Apple Card savings and speaks to some more fundamental issues at XXXX
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/2019, I filed a dispute advising Equifax that an item appeared on my credit report that I was unaware of and must be a result of identity theft. This item was with XXXX XXXX / XXXX XXXX. Equifax verified the item and updated it. When I informed them the info was wrong they requested I send them a FTC report or police report. I then faxed them this information to the fax line with my identification and social security card. Instead of removing this item, Equifax removed nine other accurate accounts off my credit history & report and then added two other accounts that were not in my credit file. When I called notify Equifax of this mistake .. Equifax now refuses to provide information on my credit report. And, claim they can not verify my info. I then resent my identification documents and social security card as proof of identity and Equifax continues to refuse to provide information on my credit file. I don't know what else to do.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I have contacted the companies responsible for these inquiries but have not received satisfactory resolutions. I am now seeking the removal of these inquiries from my credit report as they negatively impact my credit score and were made without my consent.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

An apartment complex ( XXXX XXXX XXXX ) claimed that I had guaranteed a rental and I explained to them that I had n't. They had a fake form with a fake notary. I explained this to them and they said that even though the notary was n't real they still wanted me to pay them at least 50 % of the amount they said was owed. Naturally i refused. The next thing that occurred was a phone call from this IQ data stating that I owed money to them. I patiently explained that I did not owe any money, that there was n't anything legally ( contract ) saying I did and that I would appreciate it if they contacted XXXX XXXX XXXX. They then placed a fraudulent collections amount on my XXXX, XXXX accounts. I disputed the experian report that listed I Q data. The dispute came back today and it is still listed on my credit report. No legal documentation exists so i am curious as to how experian looked into my dispute and IQ Data provided nothing to support me owing any money. This certainly seems like a complete scam. How can experian leave it on my credit report without a judgement, or anything that is a legitimate contract? It seems like I am being forced to exert enormous amounts of energy and time because several large companies do not care about right and wrong. I also feel as though XXXX is complicit because they clearly did not do any research and did not have anything resembling any type of judgement or contract yet they left it on my credit report. Please help
Consumer complaint received 2017-03-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I opened a car loan with Wells Fargo bank on XX/XX/XXXX and it was paid of early on XX/XX/XXXX. Originally there wasa discrepancy of {$2.00} this was later corrected, but they reported my account XXXX, XXXX. XXXX days delinquent. I spoke to and wrote to the office of the president, and although they promised to assist me in resolving the problem, they did not communicate with me in writting. Because of the lack of response they continued to report me delinquent. There was another conversation where they indicated I was {$490.00} past due for a forved insurance, which I was paying on a monthly basis and I tought the balance and payments reflected this. I forwarded all of the documentation they requested, but never responded to it, I only had conversation with a supervisor but never received any correspondence from the. Later I found out that they charged of the account, even though I was working with them to correct it. Since the president of Wells Fargo had been terminated for fraud, I wrote to the XXXX of the board only received ackonowledgement he received it and that I would receive a letter within XXXX days this never happened, The have noe simply refused to work with me and do not return any phone calls, e-mail or correspondense.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (LA)

Subject : Dispute of Collection Account Reporting- Reference to Fair Debt Practices Act ( FDCPA ), Title 15, Section 1692 et seq. 

Dear : Transworld Systems INC I am writing the reporting of a collection account on my credit report, as furnished by your agency. I believe that the reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), Specifically under title 15, Section 1692 et. seq., of the U.S. Code, which governs the practice of third- party debt collectors. 

Upon reviewing my credit report obtained from your agency, it indicates the presence of a collection account with following details : { Transworld Systems INC,, and the amount owed. } In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that an original contract exists from the original creditor with a wet Signature from me, and a pictured ID in color creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. ( THE ORIGINAL PURCHASE AGREEMENT ) 4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Please be aware that I expect a timely response in 30 days, as mandated by FDCPA. Failure to comply with this request may result in the initiation of legal action to protect my rights under the law. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors- I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

Wire Transfer money from My XXXX  XXXX XXXX Checking account to the Banks list below -- XXXX Fraud department called to verify and refused to perform the transaction due to the potential fraud involved the list of banks below. 

Whereas Citibank performed the wire transfer to the banks list below and their Fraud department only asking a couple of simple questions more importantly, the Fraud department did not call me to verify the wire transfer transfer ( not every wire transfer transaction ). 

The list of banks/ accounts below : XXXX XXXX ( Bitcoin provider where Bank wire transfer to ) Recipient ( XXXX  XXXX XXXX ) Recipient address ( XXXX XXXX XXXX XXXXXXXX XXXX ) Routing number ( XXXX ) Account number ( XXXX XXXX XXXX XXXX Bank Name XXXX XXXX XXXX  Bank address ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  where I sent money for the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Beneficiary Information = XXXX XXXX XXXX XXXX XXXX  XXXX  Address = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number = XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX International name = XXXX XXXX XXXX Name = XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC (MN)

I currently have an online installment loan with Explore Credit for {$500.00} that began on XX/XX/year>. I first reached out to them, as I could not logged in to my account, due to it being disabled. In my communication with them about this, they first mentioned my " account looks good '' and to send them a screenshot of the error. I then reached out for an update on this on XX/XX/XXXX after they mentioned it would be escalated on XX/XX/XXXX. Then, on XX/XX/XXXX, I had XXXX split payments for my first payment when I do not recall arranging split payments, one being {$18.00}, the other being for {$55.00}. There was no correspondence about this, but only after the fact on XX/XX/XXXX, due to a " technical issue ''. During this sequence of events, I first sent an email to them on XX/XX/XXXX to revoke my ACH Authorization, as I was not comfortable with the ACH payments after all of the events. I did not hear back, so I emailed for a second time on XX/XX/XXXX. I still did not hear back, so I emailed again for a third time. I emailed initially on the XXXX to prevent the payment on the XXXX from going through. I then had to call Explore on XX/XX/XXXX, I spoke with XXXX from Explore Credit at around XXXX and it appears that the request for revoking my ACH Authorization originally on Tuesday, XX/XX/XXXX did not go through, as the payment still went through for XX/XX/XXXX. XXXX recommended I place a Stop Fee with my bank for {$30.00}, however- it was too late to do this, as the payment already went through. As of XX/XX/XXXX, I am waiting for an ACH Revoke form from Explore, as XXXX mentioned I would be receiving this instead of just honoring my ACH Revoke request.
Consumer complaint received 2024-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

Please assist with removing these collections from my credit report : over XXXX yrs LVNV FUNDING LLC XXXX $ old debt, previous paid XXXX XXXX XXXX  XXXX. XXXX $ PAID AND CLOSED XXXXXXXX XXXX XXXXXXXX XXXX XXXX debt does not belong to me XXXX XXXX $ PAID AND CLOSED XXXX XXXX XXXX, NEVER LATE, CLOSED XXXX XXXX XXXX XXXX $ CAR WAS SOLD AND LATER TOTALED, INSURANCE PAID
Consumer complaint received 2017-02-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (OH)

I purchased golf shoes on ebay for {$100.00}, and used PayPal to pay the seller for the item. PayPal placed my charge on their PayPal Credit without my authorization. I wanted to pay for the item immediately through PayPal with a bank account. When I discovered the error, I tried to reimburse PayPal via instant transfer. PayPal would not let me. I had NO option to pay on the unauthorized credit charge. The site told me there was no payment due, despite the fact that it showed the transaction and the debt. It is now 4 days since the transaction and I was finally able to pay off the charge. Today, with no debt due PayPal, I am trying to close my PayPal account. I can not. I manage to locate the CLOSE MY ACCOUNT link ( a task in and of itself ), yet when I click on it, I get a spinning wheel on a white page that says One Moment ... Eventually, I am returned to a Settings page without PayPal taking any action. I am unable to close my account. The company 's process is untenable and unethical.
Consumer complaint received 2015-08-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (LA)

XXXX XXXX XXXX is the latest in a series of companies who 've apparently " bought '' very Action Card accounts. I 've told them repeatedly I 've not had an Action card since XX/XX/XXXX, which I paid off both ; I 've noted there was nothing about Action Card in my credit records when I bought a house XX/XX/XXXX ; I 've demanded they send some sort of proof that I owe them anything, which they have not done ; I 've asked them to stop the daily calls at all times of the day, at home and work. XXXX XXXX XXXX is the current company hassling me - their latest " offer '' says the " current owner '' of the alleged debt is XXXX XXXX XXXX. I want these people stopped.
Consumer complaint received 2024-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (HI)

Around XXXX XXXXXXXX I uploaded proof of my XXXX XXXX service beginning XX/XX/XXXX to NAVIENT 's website XXXX apply for SCRA benefits. Today I received an email from NAVIENT saying that my SCRA request was approved starting XX/XX/XXXX instead of XX/XX/XXXX. Additionally, when I look on the website my interest rates are still showing above 6 %. I messaged NAVIENT through their website 's messaging system asking them about this. I received an automated email in response stating that NAVIENT can not respond to my request for information without compromising my personal information ; therefore they can not respond. I called NAVIENT 's help center twice. Both times I navigated through their convoluted XXXX  XXXX  trying to get to where I can speak to an actual person. When I was finally routed to speak to someone an automated message played saying that their offices were closed. Both times my call was immediately dropped. Both calls were well within their business hours. I have no other way to contact them to sort this out.