davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to lodge a complaint against Wells Fargo regarding their deceptive practices of unbinding my repayment account on my due date and their refusal to rectify the situation. 

On numerous occasions, I have contacted the bank to address this issue, and they claim that the repayment account, which has been used multiple times, is unverified. However, I have evidence that my XXXX XXXX XXXX account was verified on XX/XX/XXXX, as shown below, and I have made multiple repayments. The bank 's insistence that this is my fault is unjustifiable. 

Furthermore, they have requested that I re-enter my card information into the app, but the system only informs me that this account already exists and requires another card to be added. 

This mismanagement by the bank, which is on the brink of bankruptcy, is inexcusable, and they are wrongfully shifting blame onto their customers. 

I am submitting this complaint in the hope that the bank will promptly resolve this issue. In the meantime, I will not bear any interest incurred during this period, as this is not my error. 

Sincerely, XXXX
Consumer complaint received 2024-10-23
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-23
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc (VA)

I had monthly membership at XXXXXXXX XXXX XXXXXXXX for 2-3 years. I had selected the membership that I could end anytime. I was not provided promised services. 5-6 months I was lied to so I wouldn't cancel my membership. I could never use the machines I went for. The company also forced political beliefs on me. When I went to the front desk to complain on the last day of my membership, I was confronted as if I was the person who left a bad XXXX review. I was not. I was then informed I had been lied to last couple of months. They were very disrespectful. I decided to end my membership and never come back. Since then, I got " come back '' e-mails, collection notices for the following month 's fee after my termination that I refused to go for. I wanted the XXXX to call me, they never have. I called the collectors and disputed, explained why. I asked not to be harassed again. I was told they were not going to stop and demanded me to pay something I was disputing. I told them we should go to court to resolve it. They have been abusive last 2 month. Even after I demanded them to stop, they often text me. They have called ( left vms sometimes ) 20 times between XXXX. It hasn't stopped. I communicated with both the collectors and membership services regarding to their harassment for {$75.00} fee that I should not have been charged. I reminded the Fair Debt Collection Practices Act and breach of contract. I asked for higher management and their registered agent couple of times. At all times, both XXXX XXXX and their XXXX XXXX have refused to stop harassing me to this date.
Consumer complaint received 2023-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

EdFinancial is claiming that I can not access my student loans because of an active Borrower 's Defense case. When attempting to log into the website I receive the error code included in the attachment. I have reached a customer service rep twice and was told that I could not access the account due to the Borrower 's Defense case. I called StudentAid.gov and Borrower 's Defense, neither customer rep had heard of a servicer restricting borrowers from accessing their loans due to Borrower 's Defense.

The issue is that although the loans are in forbearance, they are still accruing interest. I need to be able to access my account to pay down the interest. My initial plan was to make a lump sum payment of half the loan balance on day one to accrue less interest. I planned to continue to pay down the loan as usual as Borrower 's Defense will issue refund checks if a loan is paid while under review. The Borrower 's Defense case will take until 2025 to be resolved so I am not accruing another year of interest while I wait for something that most likely will not lead to a discharge anyway. Every day that I can not access the account I am accruing interest and losing money. EdFinancial is robbing me and others ( issue is widespread on online forums ). They have released NO information on the issue.

To add to this it has been impossible to contact them and their CSR 's are not educated. Phone lines are backed up sometimes more than 400+ minutes. When you do get an answer they immediately hang up. The option to call back has worked for me only twice despite 2 weeks of daily attempts to contact them. They do not respond to emails and their online chat function does not work.
Consumer complaint received 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (PA)

In XXXX of XXXX i switched home owners insurance from XXXX to XXXXXXXX XXXX. my mortgage company, Right Path Servicing, continued to pay both insurance companies from XX/XX/XXXX till XXXX of XXXX. In doing so my escrow went into the negatives. when we realized something was off with our escrow we contacted Right Path Servicing. They told us that the previous mortgage company messed up on our tax totals and we owe them more money. so we had to get permission to pay an extra {$160.00} a month for 2 years to fix the escrow shortage. we started paying that in XX/XX/XXXX. In XXXX of XXXX we get a letter from state farm stating we would be cancelled for non payment. When i reached out to Right Path, they told me they had paid XXXX. I informed them that we did not have XXXX since XXXX. We discovered that XXXX was paid in XX/XX/XXXX {$1900.00}, XX/XX/XXXX {$2300.00}, and XX/XX/XXXX {$2500.00}. And state farm was also paid XX/XX/XXXX, and XX/XX/XXXX. After going back and forth between the escalation department for Right path Servicing ( XXXX ) and the Advocacy Customer resolution dept. ( XXXX ), the senior customer advocacy ( XXXX ) and XXXX, CRS XXXX Corporate Customer Advocacy Department, I still haven't gotten any resolution to this issue. This month looking at my online statement, it is now showing an additional {$380.00} a month to continue to correct the escrow shortage mistakes that the mortgage company made for the last three years. We are still waiting for Right Path Servicing to provide XXXX with a letter stating the mistake they made in order to release the back funds from XXXX to correct the escrow shortages and to get my mortgage back in good standings.
Consumer complaint received 2023-09-13
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (PA)

- Designated payments were calculated correctly by me to overpay the initial purchase amount by the expiration of the promo plan ( XXXX deferred interest ). 
When a 2nd purchase was made with a different total, different payment plan ( XXXX deferred interest ), different plan expiration and different purchase date ( Approx. 8 months later ), the balances were combined instead of kept separate -Because of the incorrect accounting methodology for keeping two different plans separate, Comenity Bank took my payment allocations from a totally different plan for the initial purchase and instead broke it up without my consent to cover an entirely different payment plan structure - Because of the accounting malpractice from Comenity Bank XXXX they are trying to penalize me, the customer, with thousands of dollars worth of interest and late fees. 
- All of the purchased item amounts have been fully paid off, and I am not responsible for paying interest due to internal accounting malpractices from Comenity Bank. 
- I have been trying to resolve this issue since XX/XX/2023, and have recently reported their practices to the BBB. I have raised this issue to the XXXX XXXX of XXXX XXXX where I made the purchases. 
- Comenity Bank is continuing to impose additional interest and late fees to this day, and have made no effort to correct their mistake, claiming that my disputes are " not valid ''
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (GA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-13
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. (TN)

I want to start off by saying that I'm not admitting to this debt. I would like to do business with your company if you agree to the following terms. ( 1 ). Remove the debt above from all three credit bureaus within 10days of payment. ( 2 ). Send me a letter stating that the account above will be deleted. ( 3 ). Stop all debt collection activities. If you agree to the above terms, I will pay your company the full balance of this debt as soon as I receive this signed copy back from an authorized representative with the power to make this deal. Failure to delete : I just want to ascertain that you honor your side of the agreement. If the item is not deleted as specified in this agreement, I will be entitled to {$500.00} compensation for breach of contract
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

We filed bankruptcy in XXXX of XXXX. Penny Mac to control of the property and leased to tenants. Starting in fall of XXXX we started getting letters and were served to appear in court for foreclosure. We talked with our Bankruptcy lawyer and he said to ignore it because bankruptcy was finalized. We continue to get letters about the case and it being delayed multiple times and recently I have been receiving calls daily from Penny Mac to discuss " my loan. '' The first time they called I talked to the operator and she saw an account for XXXX XXXX XXXX in XXXX but it was closed and to ignore anymore calls but they are calling daily.
Consumer complaint received 2023-09-13
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. (AZ)

This information is fraud I demand immediate removal and block future reporting.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-10-23
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (IN)

My suv was in a accident back in XXXX. And my suv was towed off the highway and my son was taking to the hospital. The tow truck company lost my suv but when it was found my finance company said that the suv was abandoned but it wasnt I never missed a payment up until that time and I was never late.. The finance company was one day from taking my suv to auction but they had to stop because the suv wasnt abandoned. So I had to pay the tow fees. But on my next bill I had this outrageous amount on my bill saying it was a repo fee! Well I ask how can you repo a car that wasnt repossessed? They couldnt answer that question. And I also found out that they sold my suv to the body shop that was doing the work on the suv and he has the title! And Im still paying on the original contract of the suv.. with everything I have gone through I would like to be directed to a attorney to handle this further..
Consumer complaint received 2024-04-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (TX)

They are charging numerous cards I had used with them in the past on loans that have been paid off, they tried to debit my bank card 3 times this week on a loan that had already been paid off. They have been a complete nightmare. They told me they are having system errors. Most of the reps just cop an attitude with me. They are stealing from me. They just aren't doing anything about it.
Consumer complaint received 2023-09-11
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: DISCOVER BANK (FL)

I am writing to express my concerns and seek your assistance regarding a recent dispute with regard to a charge on my Discover Credit Card for a coaching program purchased from XXXX XXXX. 

On XX/XX/2023, I enrolled in a coaching program offered by XXXX XXXX with the expectation of receiving valuable guidance and support to help my business achieve a sales target of {$30000.00}, as stated in their program 's terms and conditions. However, upon completing the coaching program, I found that the promised value was not delivered as agreed upon. 

Throughout the duration of the program, I diligently followed the guidance provided by XXXX XXXX, but despite my efforts, I did not experience the progress or results they assured me I would achieve. As the program concluded after four months, rather than fulfilling their commitment to work with me until I reached the sales goal, XXXX XXXX attempted to persuade me to enroll in another program instead. 

I am currently faced with a situation where I have paid a significant sum of {$8000.00} for a coaching program that did not provide the intended benefits or uphold the assurances made at the outset. Out of the total amount, {$5500.00} was charged to my Discover Credit Card. In light of these circumstances, I initiated a dispute for the charge in question. Discover sided with the merchant. Even though I did not get the intended value from the service they are saying in the contractual agreement there are no refunds. I believe my dispute is valid and grounded in the fact that the service provided by XXXX  XXXX did not align with the terms they initially presented, leading to a breach of contract on their part.
Consumer complaint received 2024-01-04
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: Westlake Services, LLC (MO)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Westlake Financial Services regarding their handling of an alleged debt associated with account number XXXX. The purpose of this complaint is to bring to your attention the company 's failure to provide adequate validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have previously communicated with Westlake Financial Services, requesting a thorough validation of the alleged debt and specific evidence regarding the opening date of the account. Despite my efforts to resolve this matter amicably, the company has failed to provide the necessary information within the stipulated time frame. 

The lack of detailed validation and evidence pertaining to the opening date of the account raises serious concerns about the accuracy and legitimacy of the reported debt. I believe Westlake Financial Services is in violation of consumer protection laws, leading to potential harm to my credit and financial well-being. Moreover, I remind you of my right to closely monitor the method of verification, and I explicitly do not consent to e-Oscar or any automated means of verification. 

Furthermore, my attempts to settle the matter amicably have been met with resistance, as the company has not shown a willingness to engage in fair and transparent communication. The refusal to address these concerns in a timely and thorough manner has compelled me to escalate this matter to the Consumer Financial Protection Bureau for intervention. 

I am seeking the following remedies : A comprehensive investigation into Westlake Financial Services ' handling of the alleged debt associated with account number XXXX. 
Verification of the accuracy of the reported debt and confirmation of compliance with FDCPA and FCRA regulations. 
Enforcement of consumer protection laws to ensure fair and transparent communication between the consumer and Westlake Financial Services. 
Any necessary actions to rectify inaccuracies and mitigate the potential harm caused to my credit and financial standing. 
Enclosed with this complaint, please find copies of all relevant correspondence between myself and Westlake Financial Services, including the initial dispute letter and subsequent communication. 

I appreciate the Consumer Financial Protection Bureau 's dedication to ensuring fair and just practices within the financial industry. I trust that your intervention will lead to a prompt resolution of this matter and prevent any further violations of consumer rights. 

Thank you for your attention to this serious matter. I look forward to a timely and satisfactory resolution.