davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialized Loan Servicing purchased my equity line of credit XXXX {$60000.00} limit ) from XXXX XXXX XXXX in XX/XX/XXXX, The balance was in or around {$54000.00}. In XXXX XXXX XXXX or so XXXX the account reached its draw down limit {$60000.00}. I was not able to make but one payment in XXXX the rest of the payments were applied to the balance on the account. A bill collector on behalf of SLS contacted me in early XX/XX/XXXX about the account. I contacted SLS and sought a forbearance agreement. It was granted and they sent me a letter confirming that I was in forbearance for the period XX/XX/XXXX, XXXX XX/XX/XXXX, and all foreclosure activity would cease. 

In XX/XX/XXXX, my usual statement listed attorney 's fees, other foreclosure expenses and my house was listed with XXXX XXXX GA for public auction for XX/XX/XXXX. I contacted SLS at their customer service number and was told that something was wrong because I was in a forbearance agreement. I emailed the bill collector - attorney and explained that I was in forbearance. I wrote the first letter of many to SLS who did nothing but canceled the sale for that date. I complained about them billing me for foreclosure expenses while under the forbearance agreement. In my next statement the legal fees associated with foreclosure were changed to " corporate advances '' XXXX same amount for each item that was billed in the XX/XX/XXXX statement, and designated as foreclosure activity ). I wrote an overnight letter requesting a full disclosure of what the fees were and under what authority were they placing these corporate advancement fees on my account. The payment department in XXXX XXXX CO sent the letter back to me and told me that their billing office in XXXX CO handled account issues. I sent a copy of the letter to them, and as of today, I have heard nothing. On XX/XX/XXXX paid the reinstatement amount which included the corporate advances now billed as " fees billed '' with no explanation.
Consumer complaint received 2021-02-03
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo is inaccurately and unfairly reporting to credit bureaus and causing further debt entrapment to their customers. 

During the lockdown, I requested my loans be entered into a forbearance XXXX and I entered again from XXXX. WF did not communicate limits to this and subsequently removed them from this status resulting in 30-60-90 day late reporting. Again, no limits had been communicated to me or my co-signer, despite me making an additional request in XXXX to extend. 

When I inquired when/why these changes places to place, it took speaking to the XXXX to get an answer that wasn't " you need to pay these to bring them current ... that's all we know '' and I waited an additional 15 days to be told they had no intention of acknowledging their lack of compassion, communication, or damage to my credit report. In addition to catching them rack fees in my account and being issued a refund for multiple instances of these fee assessments, I believe Wells Fargo is a predatory bank that should be investigated. 

They are resolving themselves of their place in the student debt crisis and selling their student loan accounts to a third party -- leaving thousands of us with loans nearly in default to instead deal with collection agencies where additional fees will be added. 

This is unfair, inaccurate, and it should be examined further to prevent Wells Fargo from further profiting from it's predation.
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Action taken by company : XX/XX/21, XXXX XXXX XXXX, I received a letter from CACH , LLC on XX/XX/21 Received a letter from this attorney office with an original Creditor acct # ; stating that I have an account that they purchased. I don't know of this company, XXXX XXXX XXXX nor purchased anything from XXXX XXXX XXXX. My personal information was jeopardized from my work and also by XXXX. CACH , LLC purchased a XXXX XXXX XXXX balance : XXXX ; offering XXXX to resolve debt with account from XXXX XXXX XXXX XXXX and has been placed with CACH , LLC agency. 
CACH , LLC letter states : Unless I notify the office CACH , LLC, within 30 days after receiving this notice that I dispute the validity of the debt or any portion thereof, there office will assume this debt is valid. 
If I notify there office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail a copy of such judgement or verification. If I request from CACH , LLC office in writing within 30 days after receiving this notice, CACH , LLC will provide the name and address of the original creditor, if different than current creditor.
Consumer complaint received 2021-07-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (IL)

After receiving Loan Estimates on XXXX, XXXX, and XX/XX/XXXX that were all consistent, we received a Closing Disclosure on XX/XX/XXXX that was higher than the loan estimates. We were assured by our lender that we should just sign this form to ensure we have it signed at least 72 hours before closing on XXXX. Our lawyer told us that the closing disclosure numbers are not final, which is not our understanding of the Consumer Financial Protection Bureau 's direction that we should have an additional 3 business days to review changes that occur in the closing numbers after the closing disclosure. 

On XXXX at XXXX XXXX  CT, we received an XXXX from our lawyer with several changes from the closing disclosure and with closing scheduled on XXXX at XXXX XXXX  CT, so only ~26 hours ahead of closing. I responded on XXXX at XXXX XXXX  CT by email and asked a series of specific questions about the XXXX  and changes I noticed. I then sent several other follow-up emails throughout the day but didn't hear back from my lawyer until XXXX at XXXX XXXX  CT. She responded to a few questions but did not respond to all of them. I responded on XXXX at XXXX XXXX ( nearing a few hours before closing ) and asked for line-item responses and never received them. 

On XXXX at XXXX XXXX  CT, we received an updated XXXX  that was slightly different than the one from XXXX at XXXX XXXX  CT. This was supposed to be our final XXXX and significantly differed from the Closing Disclosure from XX/XX/XXXX. We expressed to our lender, our lawyer, and the escrow agent that we were uncomfortable with the numbers and the pressure to sign the closing documents. We were at closing for over two hours, and the escrow officer indicated to us that if we didn't sign soon that it was unlikely everything would be processed before the holiday weekend. Ultimately, we felt powerless in this process and that we could not negotiate anything or advocate for ourselves but either had to sign or wait until after the holiday weekend and push things back with no indications anything would be different for us. 

We expressed after the fact to the lender ( Cross Country Mortgage ), to our lawyer, and to the escrow agency ( XXXX XXXX ) that we felt we had been mistreated through the process. Everyone pointed the finger elsewhere and told us there was nothing to do. When we brought up the 72 hour CFPB rule for changes to closing costs and requiring an additional 3 business days be supplied, we were told that it didn't apply to our situation. 

Our title fees increased from a total of {$3300.00} on the XX/XX/XXXX closing disclosure to {$3700.00} on the XXXX XXXX, an increase of {$690.00}. 

Our total closing costs paid at closing increased from {$10000.00} on the XX/XX/XXXX closing disclosure to {$15000.00} on the XXXX closing disclosure. 

These last minute increases are exactly what CFPB is supposed to protect consumers from. None of the parties involved had any intention of changing these increases for us or doing anything to protect us from them.
Consumer complaint received 2021-07-31
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: CITIBANK, N.A. (NH)

This is in reference to dispute XXXX. On XX/XX/XXXX I purchased XXXX XXXX thermostats from XXXX for a total of {$5900.00}. I immediately sent these back due to damage. On XX/XX/XXXX I received a refund of {$5900.00} for this purchase and the merchant notified me via email they had received the returned products. On XX/XX/XXXX a charge of {$5900.00} posted to my card as home depot reversed the refund that was issued XX/XX/XXXX. The activity on the card showing the initial purchase, refund, and refund reversal is included in this document for reference. Also included in this document are the return receipts for the XXXX XXXX. I can clearly prove the items were returned. However, my account does not currently reflect that I have received credits for the returned items as the credits originally given by the merchant were reversed. I do not have any items from Home Depot and I am owed a refund for the returned items. Please reopen this dispute given this information. Thank you
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with LVNV FUNDING plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$970.00}
Consumer complaint received 2021-07-30
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. (CA)

There is one account on my credit report that is not mine I have not applied used or know of this account I need this off my credit report ASAP!!! 

XXXX XXXX XXXX  XXXX  - Acct # XXXX Amt {$7300.00}
Consumer complaint received 2021-07-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (AZ)

1. I talked to customer care onXX/XX/XXXX

2. Sent an email to fraudulent dept. of speedy cash on XX/XX/XXXX3. Talk to Collection agency on XX/XX/XXXX. Ask me. ' whatever you like can do '.

4. Sent Letter to CFO of Speedy cash on XXXX To Mr./Mrs XXXX XXXX Dated XXXX XXXX Chief Finance Officer Speedy Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Reg : Fraudulent activity in my Name/ Amount {$2000.00} and {$5600.00} on XX/XX/XXXX & XX/XX/XXXX respectively. 
1. I had an old account in speedy cash when I was in XX/XX/XXXX. Now it is blocked.

2. I leftXX/XX/XXXX 07 years ago. I am surprised, how the transaction took place? Involvement of inner staff can not be rule out as well as an identity theft.

3. I spoke to customer care executives, they say transaction took place online.

4. If it is online, then which bank account amounts were deposited, please verify and inform me.

5. Without contacting me how it had gone to collection? Only now {$2000.00} had gone to collection, But, {$5600.00} is with them, not yet send to collection.

6. I want collection accounts are removed immediately from credit bureaus.

7. For this mental agony, harassment, disrespect why I wont take the matter to appropriate authority?

8. You need to improve customer services, they are casual. I sent an email to your fraudulent department, no reply. Please look into my case on priority basis and do the needful at your earliest.
Regards Copy to : Ad Astra Recovery Service. 
XXXX, XXXX.
Consumer complaint received 2021-07-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc. (MS)

on XX/XX/2021, i respond with a letter to tek collect, inc for a alleged balance of XXXX that i dont owe nor have any dealings with.they never responded back to my certified letter w/tracking # XXXX XXXX XXXX XXXX XXXX this is inaccurate information and needs to be deleted
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

They froze my account and said they will help me resolve it and unfreeze my account but have never helped in anything. I submitted about 5 requests for help and still nothing. I contacted customer service and no person picks up or helps its just a bit saying to look at the FAQ help section which does nothing. I been trying to contact them for about 2 weeks and they dont respond with anything but saying they will help
Consumer complaint received 2024-09-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (PA)

When I attended school I feel I was mislead into obtaining loans that I did not need but being a single mom of XXXX and struggling financially I felt taking a loan out at that time was my only option. Now I am struggling to pay back the loan which has changed hands from XXXX to Mohela and or Aidvantage.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX. Inquiry Date : XXXX XXXX, 2020 - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 - Unauthorized inquiry by Identity Theft
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I filed a complaint against Equifax because of the results of their investigation with a dispute I have with XXXX XXXXXXXX XXXX, Complaint # XXXX. I have provide numerous documents to support my claim that XXXX XXXX is not reliable with their information. I have proved that they have told over 14 completely different versions of this debt. Despite this I get a letter from Equifax today saying they are not going to re-investigate my dispute. They know that XXXX XXXX is reporting false information. I have proved that XXXX XXXX is reporting false information. They have told XXXX, XXXX  and Equifax completely different versions of this debt. XXXX XXXX told three different versions of this debt on the same day to Equifax, XXXX  and XXXX. I proved this to Equifax yet they say they are not re-investigating ( See attached letter from Equifax. ) If the CFPB refuse to do anything about this my next complaint against Equifax will be with the CA Attorney Generals office because what Equifax is doing is illegal. They are knowingly allowing XXXX XXXX to report false information. I have proved beyond all doubt that XXXX XXXX is not credible yet Equifax continues to let them report their trade line on my credit report. XXXX XXXX told Equifax 6 completely different versions of this debt and yet Equifax continues to let them report their trade line on my credit report. The CFPB is also aware of this proof and they have done nothing about it. I have uploaded document after document with my complaints that prove what I say yet the CFPB has taken no action against Equifax.
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Company continues to call with different numbers, despite my previous CFPB complaint about their repeated calls from different number. I asked the company to cease and desist with their attempts. And every day there is a call from a new number
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Acknowledge Debt Resolutions (NY)

XX/XX/2021 received a call XXXX a guy saying that he was from a ADR XXXX XXXX he kept talking and wont stop he was very rude he told me that I have to pay this money. The email was ( XXXX XXXX ) XXXX and the other phone number XXXX. I was told i owe money from a loan I took out from XXXX XXXX. I asked them for more information on the situation and they would not tell me anything except that they would take me to court and garnish my wages if I didnt pay. They knew my old address and the last 4 of my social. Out of fear I gave them my email and they sent me a link that went to a deleted link. Im almost positive this a scam but I just want to make sure so Im writing this complaint.
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (CA)

XXXX XXXX XXXX representing XXXX have filed a collection report on my credit report. My XXXX  dropped 22 points! The amount is {$1300.00}. This is absolutely not my account. I have no knowledge of this account or the bogus debt.
Consumer complaint received 2021-07-30
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 
XXXX/XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P. (FL)

I sent validation letters for this debt and the collection company along with XXXX  did not provide proper documentation for the debt. The debt was removed from my credit report in XX/XX/2020 and now it is back on in XXXX by the same company
Consumer complaint received 2021-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 I saw an ad of a person selling a XXXX for XXXX dollars. After getting in contact with the person I was told to send them a total of XXXX dollars via XXXX. And after they received the payment Id receive a message with the shipping details. Since I bank with chase XXXX is something I am comfortable with since I thought theyd step in if something happened. But after the sent the money the seller stopped answering my messages and wont answer my calls. So since it finally clicked that this was a scam I tried to call chase to see if I could get my money back. But to my surprise chase told me that they couldnt do anything since XXXX is a 3rd party company and I should try contacting XXXX. So when I contacted XXXX XXXX was told that I would have to dispute it with my bank. When I recalled the bank I was finally told that chase themselves couldnt do anything about it.
Consumer complaint received 2021-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rickart Collection Systems, Inc. (MD)

I received a notification from XXXX  that Rickart Coll Systems flagged my consumer report with a Grid Code XXXX  on XX/XX/2021 in the amount of {$30.00}.
Consumer complaint received 2021-07-30
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report.

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report.

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

No consent is IDENTITY THEFT! 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX