davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

Since XXXX XXXX XXXX This company has systematically prevented me from obtaining true reason to why my all of my modifications are being denied AFTER they give a invalid explanation of their reasoning AND then when i do show proof of their errors, and patterns of violations of FACTA caused by their own omission they never received timely docs on multiple modification denials causing unnecessary harm that could have been prevented so my point is had they Secured my documents all along this wouldn't have harmed me and i wouldn't have a bunch of complaints .Mr cooper has continually violated section 12 U.S. Code 5219 - Foreclosure mitigation efforts of the Dodd frank act cause they haven't fulfilled their part of the bargain by Securing my information properly and accurately depicting exactly what my ability to repay etc then I never get a real explanation as to why after they are caught in their lie.. I mean they could have said we saw a error but NOTHING. then it caused serious stress and financial harm that was unnecessary.. I mean its thanksgiving and im still at it with this servicer that wont do the right thing and even when they are compelled by Cfpb etc they jsut stiff judgments and hurt more people with their polices .. whose the chief compliance officer of this company?? one must be called to task for the ineptitude of this farce attempt at compliance with federal and state regulations that were simply put into place to protect all consumers
Consumer complaint received 2018-05-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (ME)

On XX/XX/XXXX I followed up on a letter that I had received from Big Picture Loans in the mail with an online application. My husband had been working minimal hours, and I was in a very tight place. I applied and received my contract - I thought I would be paying around {$150.00} a month for 6 months on a {$650.00} loan. Very steep, but I was in a desperate situation. They called it an installment loan, so I assumed that they are licensed In Maine, where I live. My plan was to pay the loan back within a two week time frame. 

When I logged into my account on XX/XX/XXXXto see what my payoff was, I found that not only did I owe the {$650.00}. but I also owed approximately {$190.00} in interest - for two weeks???? So I looked at my agreement and the payment plan was for {$150.00} biweekly for a 6 month term, which came out to be around {$1900.00}, for a {$650.00} loan! 

I started doing research, and found that Big Picture Loans is really just a payday lender in disguise. In Maine there are regulations on payday loans and the amount of interest that they can charge, and they are not licensed in Maine, on top of not adhering to the regulations on payday loans. 

I immediately revoked the ACH authorization with my bank, and I notified Big Picture Loans of this action, and also revoked the right for them to contact me by phone, so that I could have all further communication in writing. 

OnXX/XX/XXXX Big Picture Loans emailed me to let me know that they were attempting to collect my payments. I emailed them back on XX/XX/XXXX, explaining to them and providing a copy of my state laws and regulations, and let them know that I knew it was illegal for them to practice without a license in Maine. 

I received a " settlement letter '' offer from them on XX/XX/XXXX. This tells me that they know that they are in the wrong, if they are willing to settle on this debt. 

I figured up the info on my loan - {$650.00} loan at 30 % for six months as allowed by law in the State of Maine is {$110.00} per month for six months, for a total repayment of {$700.00}. I offered to mail them a money order for the {$110.00} on the XX/XX/XXXXof each month, starting on XX/XX/XXXX to pay the principle amount of the loan plus the interest at 30 %. 

I received a letter back from them stating that since they are a tribal lender, that they are not required to follow the laws set forth in the State of Maine for lending. I have attached all the emails back and forth to this information. 

I have no issues with paying back the initial loan amount plus interest, as one would expect on any loan, but this is predatory to say the least.
Consumer complaint received 2024-11-20
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MI)

STATE OF OHIO LOADS MY UNEMPLOYMENT BENEFITS ONTO A U. S. BANK RELIACARD, WEEKLY. OHIO STATEMENT SHOWS {$16000.00} BEING DEPOSITED. U.S. BANK ONLY SHOWS {$15000.00}. A DEFICIT OF {$1100.00}. OHIO STATEMENT SAYS THE MONIES HAVE BEEN SENT. U.S BANK DISAGREES. NEITHER PARTY IS OF ANY HELP!
Consumer complaint received 2020-05-04
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: EQUIFAX, INC. (AZ)

THERE ARE ACCOUNTS ON MY CREDIT THAT ARE NOT MINE, I HAVE SENT 5+ LETTERS TO THE BUREAUS TRYING TO GET THEM REMOVED WITH VERY LITTLE LUCK. THESE ARE THE ACCOUNTS THAT NEED TO BE BLOCKED UNDER 605B OF FCRA. 


XXXX XXXX XXXX., XXXX XXXX XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF EDXXXX XXXX., DEPT OF EDXXXX  XXXX., DEPT OF ED/XXXX XXXX., XXXX XXXX OF XXXX XXXX., XXXX XXXX XXXX., XXXX XXXX XXXX!!!
Consumer complaint received 2024-10-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NV)

This is from way years ago but you should still know. Wells Fargo told me that in order to qualify for my home, I would need a second mortgage. I reluctantly signed. What I didnt know and what they didnt explain is that they could come after me for the second mortgage if the house was foreclosed on, as they wrote it as an equity line of credit and never told me. 
Had I known it was an ELOC, I would have NEVER agreed to the morgtage in the first place. Wells Fargo misled millions of borrowers just like me - yet when I informed them of how they deliberately misled me, they simply referred me back to a contract they said I agree to, They actually tried to tell me that I had a second mortgage, but then moved it to an ELOC??? Why in the WORLD would I have knowingly done that??? 
The fact is I was misled. 
Just like millions of other customers. 
I wa a teacher - and they took every penny I had out of my checking account, with NO notice. 
It was the worst thing I have EVER experienced.
Consumer complaint received 2024-10-24
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. (GA)

I am writing to formally dispute the collections account listed on my credit report. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2021 I purchased a XXXX XXXX XXXX XXXX XXXX from a seller on Venmo named XXXX XXXX after discussing the terms of purchase through the app XXXX  for the amount of {$960.00}. An important note is that I used the Buyer Protection feature in Venmo which states that money for a product not received or received not as described will be refunded, and the seller has gone cold since the XXXX. On the XXXX I decided to file a dispute with Venmo because the seller hadn't provided shipping information. Venmo said they would investigate and provide a solution with 7-10 business days, but their time has run out. After speaking to them today, they said that they haven't reached a conclusion and that 'investigation ' may require more time. There isn't anything to investigate other than the seller just scammed me from almost a grand, and I'd like my money back from Venmo.
Consumer complaint received 2021-11-17
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: Affirm Holdings, Inc (CA)

I don't know anything about the charges or dates I was in the hospital with XXXX whe. Someone opened this account and ran up the bill I had no knowledge until I saw it o. My credit report I have contacted the company several times with no resolution the company is Affirm
Consumer complaint received 2020-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I am a victim of identity theft and I recently had my purse stolen with all of my personal information. Jefferson Capitol System placed a debt collection against my credit report. I have no idea who they are and NEVER received any correspondence from them via mail. Because of my identity being stolen in the past and now possibly again with all of my personal information stolen ( XXXX police report made ) I monitor my credit very closely. I called XXXX they provided on website. When I enter my social security # ( hesitantly and it's confirmed Jefferson Capitol System ) they state they do not have a file on their system matching my social security number. Of course they won't because this is being reported fraudulently.This is not my debt. I want this to be investigated. I do not have any debt. All my creditors have been paid off. I disputed this with XXXX  and later got a response of " meets FCRA requirements ''. What does that mean? This is not my debt. I want the creditor to provide my wet signature in a contract between me and this Collection Agency.  So again, I'm simply asking for you to FOLLOW Fair Debt Collection practices. Show me the written verification of debt and show me my wet signature. 

I'm not sure if it's JEFFERSON CAPITAL SYSTEMS , LLC or just Jefferson Capitol System~ that's how it's being reported on my credit report.
Consumer complaint received 2019-11-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AL)

on XX/XX/XXXX I a made a payment of {$300.00} to Ally Financial and another payment {$380.00} on XX/XX/XXXX then {$1000.00} on XX/XX/XXXX. since XX/XX/XXXX I was making weekly payment or overpayments up until XX/XX/XXXX then monthly payments thereafter every month. Since XX/XX/XXXX I have made {$4500.00} worth of payments, my payment is {$390.00}. I made two payment of {$400.00} on XX/XX/XXXX and XX/XX/XXXX and  XX/XX/XXXX and XX/XX/XXXX. They have been adding late fees once I pay them off the add somemore out of thin air. I write on my checks apply to principal monthly payments not late fees. The lates fees are a scam no basis for them. Now I made for the full amount and they still say I owe {$180.00} and they have been reporting me late all these years and I have made payments every month and some time multiple times. This is stealing and I need some help
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (DE)

Several weeks ago, I tied to use my XXXX point toward to XXXX payment and it showed that XXXX point failed to pay. At that time, I have not noticed too much about it. However, today, I tried to transfer my XXXX point to an airline partner, it said my reward account is under review to grantee the purchase. I immediately called the customer services and they told me it would take 6-8weeks to finish reviewing ; however, 6-8 weeks starts from TODAY! I know this action to ensure the user where they do not abuse the reward and I can understand it. BUT, why it 6-8weeks starts from TODAY? It means it will always be frozen my account to the day that I call the customer representatives? Because when I can not use XXXX point toward to XXXX, I think my account has already be frozen in several weeks ago and I successfully used it in the last year. On the other hand, I have a really good relationship with your company, I always select your company credits as the first choice and pay the balance on time. At the same time, your company give reward points to me as bouns ; However, when I really need to use point in the time ; and you told me I could not use it and I have to wait? And I have to wait in a long long time! I mean I can wait, but my flight ticket can not wait! The reason that I select your company is that it can provide convenience services. However, this action really is disappointed me. I saved XXXX points for almost one year in order to redeem flight ticket for a vocation and then I find what I saved is nothing because I can not use it! Also, I asked what reason about why my account was frozen, they can not tell me the reason. I think that your company at least can give user right to use the point that grantee meeting the requirement and pending the points that your company is doubt. But why frozen all account? Even the point that is insane can not use.
Consumer complaint received 2018-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

My current credit report reflects two Kentucky Higher Education Student Loans with the same account numbers, open dates and closed dates. They both state that the account was transferred, closed/Never late. They have to different loan amounts Kentucky Loan 1- Closed XX/XX/09 for {$10000.00} Kentucky Loan 2- Closed XX/XX/09 for {$8500.00} Could not submit dispute because I had to wait until others account disputes were settled.
Consumer complaint received 2018-05-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Worldwide Processing Group, LLC (OK)

FMR ( Forward Movement Recovery ) is contacting MY family, instead of me for who knows what? And providing information about me to my mother and father. This is against the law and privacy, sharing my personal information with others when i am NO MINOR. 

They have called form a XXXX and XXXX They have not attempted to call MY phone ( XXXX ) which is still a valid number, this is harassment unless they give me a valid reason WHY they have contacted others other than myself to request information or give information.
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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 XXXX 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 2 out of 3 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 2019-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NY)

mishandled, or incorrectly billed, by the doctor 's office, as acknowledged by the office later : I came in for an XXXX XXXX ( as agreed with the doctors on staff ) and intended to get the XXXX XXXX XXXX and XXXX   XXXX  that would go with such a visit ( and would be covered by my insurance as part of such a visit. ) As I found out later, the doctors/nurses on-call did not file my visit properly as my XXXX XXXX and I believe they requested a particular XXXX XXXX  that would not normally be included within the covered panel - I did not specifically request that test. I specifically requested and agreed to have my XXXX XXXX and the covered XXXX  checks. 

I got in touch with XXXX  ( and XXXX  's parent company XXXX  ) to resolve this bill as soon as I received it in the mail - there is an email record of my correspondence with them and I am searching through my phone records to find evidence of our calls as well. After looking into the situation, a XXXX  operator named XXXX XXXX confirmed with me that these billings would be resolved by XXXX   without me owing any further costs - that the visit would be properly re-filed as my XXXX XXXX and that the XXXX XXXX with XXXX XXXX had been resolved - they told me my bill was cleared. 

Now, more than a year later, I just got an alert from XXXX  of a 30pt cut to my credit score because of a past due bill with Aargon, and that is being listed as tied to XXXX XXXX. 

I tried calling Aargon and was told, first of all, that they had taken this debt on XX/XX/XXXX - but yet I had not been contacted about it or given any chance to resolve it before it was past due, damaging my credit, until I called them today, XX/XX/XXXX. Furthermore, they refused to give me any help in tracking down how this bill had been forwarded to them or who to contact about resolving it - I have never spoken to anyone from XXXX XXXX. 

If possible, I would have filed this complaint against XXXX, XXXX, AND Aargon - but I most of all want to find out how to resolve this and rectify the damage to my credit score. I have been dilligently building my credit for years now with excellent payment history against my credit cards and student debt and I am hugely perturbed to be hit with this surprise. If I had fairly incurred this expense in XXXX, I would have immediately paid it - and, frankly, if I hadn't been told that it was completely resolved, regardless of whether I'd incurred it, I probably would have just paid it before letting it do this damage to my credit score. How can these companies file these things against me without me never having received a call, an email, a bill in the mail or any opportunity even to resolve it?
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account # XXXX has violated my rights. 

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 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. 
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Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2018-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (RI)

On XXXX XXXX, XXXX my bank account was debited {$600.00} twice from Toyota Financial. I called and they informed that I made a payment online on XX/XX/XXXX and again on XX/XX/XXXX both for {$600.00}. This was MY error ... however I don't remember doing the payment on XX/XX/XXXX. They said they were only able to return one once they finish processing, then I would get a check in the mail in 7-10 business days. I told them I would call my bank and place a stop payment, which would return both payment, then I would schedule another one. I did just that, and I received an email confirmation that my new payment was scheduled ( Confirmation number XXXX ). Today I go to pay my XX/XX/XXXX payment and its telling me I owe them more than {$1600.00} by XX/XX/XXXX. They never applied my payment from the end of XXXX. I called to find out what was going on as I have received no email, phone call or any communication that I am past due. The first woman I spoke with told me I was on a DO NOT CALL list ... I NEVER told them to add me to that list, I asked how that happened and figured that is why they didn't harass me after my payment was late. She said she can not tell me, I asked for a manager, she told me they can't help and continued to talk over me, I didn't even get to my questions, she had me on hold and I wound up hanging up 13 minutes into the call because I was unable to continue to wait. I called back and the next rep tells me she had no record of the payment I have the email confirmation for. She also told me my {$600.00} payments were returned NSF, which is also not true, they were returned due to the stop payment, which I told the rep back in XXXX I would be doing. Now the company will not let me make a payment online, I have to call, I am unable to use my bank account and they are unable to find that payment so its on me. I MADE MY PAYMENT. Its reflecting I am 33 days past due now which will reflect on my credit eventually and now I will have to go through the hoops to dispute this. My issue is my credit and the fact that SOMEONE added me to the do not call list without my permission. Had I received a call, I could have fixed this right away. I need to know who did this to my account and also WHY the payment I have an email confirmation for did not go through and doesn't reflect online. I also want the ability to pay my car loan online back.