davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (KY)

My ex husband, XXXX and I obtained a mortgage loan with Wells Fargo in XX/XX/XXXX. The mortgage was in XXXX name alone however I was listed on the deed. In XXXX we did a loan modification due to a financial hardship and it the listed XXXX and I both as borrowers. In XX/XX/XXXX XXXX and I separated and he moved out of the home. I continued making the payments on time. XX/XX/XXXX I log into my Wells Fargo account to make my mortgage payment and something about forbearance immediately popped up. There was no wording about having to do a loan modification if I opted into the program. The information read like they would put payments at the end of the loan. I decided to do it with this understanding. I thought could payoff some other debts during that forbearance period. XX/XX/XXXX the forbearance ended and I had to start making the payments again. Then Wells Fargo called us saying we had to do a loan modification for the forbearance time period even if we continued to make the payment after the forbearance. I would have never opted into that program if it had said anything about a loan modification. Then we were told we were not eligible for the loan modification because XXXX no longer lived in the home. We were served with Foreclosure paperwork on Saturday XX/XX/XXXX. They will not allow me to do a loan modification by myself because they say I am not a borrower however the XXXX modification clearly list XXXX and I both as borrowers and we both signed as well and it is filed with the circuit clerks office as such on XX/XX/XXXX. The foreclosure paperwork includes interest, late fees and attorney fees as if I never did the forbearance ( cares act stated they are not allowed to charge these fees during that time of forbearance ) Now XX/XX/XXXX I was told by Wells Fargo if my ex husband and I did the quitclaim deed I would be able to do the loan modification in my name. I am now a successor of the loan but they still will not allow me to do the loan modification and are trying to move forward with foreclosure. Also on the foreclosure paperwork they list XXXX lien holders ( XXXX XXXX and XXXX  XXXX XXXX  which do not have a lien on my property. Please advise. 

Thank you! 
XXXX XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

XXXX XXXX, XXXX, XX/XX/year>, I am writing to request an investigation of the following accounts I have NEVER opened or used the accounts listed below Im requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, an bank account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX and the unauthorized inquiries
Consumer complaint received 2024-11-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Auto Trakk, LLC (PA)

To Whom It May Concern at the CFPB and Credit Bureaus, I am writing to formally dispute two fraudulent accounts on my credit report related to identity theft. These accounts, which appear under the names XXXX XXXX and Auto Trakk , LLC, were established without my knowledge or consent and do not represent legitimate financial obligations of mine. The fraudulent entries have severely impacted my credit score and financial standing, preventing me from obtaining legitimate credit. 

Details of Disputed Accounts : 1XXXX XXXX XXXX XXXX XXXX Charged-Off ) Amount : {$20000.00} Account Type : Charged-Off Account Status : Repossession Reason for Dispute : Fraudulent account due to identity theft 2. Auto Trakk , LLC Account Amount : {$6600.00} Account Type : Repossession Account Status : Past Due Reason for Dispute : Fraudulent account due to identity theft I am attaching my FTC Identity Theft Report as supporting documentation. As a victim of identity theft, I am protected under several federal laws, and I request that both entries be removed from my credit report : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) This law provides the right to dispute inaccurate or incomplete information on credit reports. Since these accounts are fraudulent, they must be removed to maintain the accuracy of my report.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) This law protects consumers from fraudulent debt collection practices. As these accounts were not authorized by me, any collection efforts violate the FDCPA and should cease immediately. 

I respectfully request that the CFPB and the credit bureaus take immediate action to investigate and remove these fraudulent accounts from my credit report to reflect my true financial standing. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these entries.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX  Employers : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo receive an order from XXXX XXXX XXXX XXXX XXXX XXXX account for XXXXXXXX XXXX XXXX XXXX XXXX  I am the XXXXXXXX XXXX XXXX on the Account. I transferred {$20.00} into the account on XX/XX/XXXX. The levy was received on XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Wells Fargo processed and enforced the order as if XXXX is a Massachusetts resident refusing to account for the state of Arizona exemptions and protections. I spoke with a representative on XX/XX/XXXX and informed her that they previously sent an order and it was processed correctly but this time they have illegally processed it and she stated it is because the order is from Massachusetts so it is how its processed. I informed her that Arizona exempts the first {$300.00} in the account and Wells Fargo legal team should be fully aware of this and she stated that she spoke with her supervisor and couldnt speak with me about the order.
Consumer complaint received 2024-08-25
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: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BELMONT FINANCE LLC (CT)

On multiple occasions the company at XXXX has called representing Belmont finance. I havent had this debt in years. They keep telling me that they are going to send people to my house to do a an asset assessment and come to my place of work. They said that if I pay them half of the debt today they would consider it settled. I feel like this is fraudulent even when I ask for the original documents.
Consumer complaint received 2024-11-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Starmark Financial LLC (MO)

I returned a call from XXXX with Starmark Financial on XX/XX/year>. I first left a voicemail explaining to send me debt verification and purchase agreement to prove they own the debit and that I should be taking with them. I said once I review that I would talk and work with them with a payment plan assuming its owed. I also requested them to stop harassing my ex mother in law for info on me and my ex wife. 

XXXX called back immediately after I hung up. He had not heard the voicemail I left. I spoke to XXXX and explained that I would be happy to talk with him about my debt once he sends the debt validation info with the purchase agreement. He said we have sent info via email many times and you have opened. I said maybe I'm not sure but what I am asking for now is for you to mail me that info for review and then once reviewed I would work with him and company if valid. He said no we have emailed it. He asked why I stopped making payments, I said I had financial issues w some debit and was needing to put food on my table. He scoffed and said that is not good enough reason. This wasn't a gift, was it. I said no I understand that. So again, what is reason. I explained my reason stands that I need to food for family. Again I get Im not happy about not paying but and willing to work things out but his service customer service, tone, talking down to me was repulsive and I just said I am done w this conversation. Per his opening this was recorded so there should be a copy of this conversation. He was very combative. Maybe I was to or became that, but I was getting no answer about my right to have info mailed to me for review. 

I then immediately sent an email to that company asking for management to reach out to me to discuss this. 

The tone and talking to me like that when I am obviously struggling w bills since not paying that one was just so rude. 

Why is everything done via email, I dont look at all emails, spam gets some, he said they have mailed before but I dont have it or didnt see and so why is it so hard to mail the info I asked, what are they hiding. Do I not have that right for the info?
Consumer complaint received 2024-11-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Continental Finance Company, LLC (CA)

On or about XX/XX/year>, I noticed a withdrawal from Continential Finance out of mXXXX XXXX XXXX  Account No. XXXX. There was a transaction from for Continential Finance for {$990.00}. I do not have an account with Continential Finance, the transaction and account are fraud, and the {$990.00}, needs to be returned to my account immediately. I filed a dispute with XXXX explaining these transaction are fraudulent, I never authorized any payment from Continential Finance, and I requested my money to be returned to my account to no avail. XXXX and Continential Finance are refusing to credit my account or return the money stolen for {$990.00}, for the fraudulent transactions. XXXX XXXX XXXX XXXX Department Police Report XXXX. XXXX.
Consumer complaint received 2024-11-12
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: CITIBANK, N.A. (NJ)

Dear Citibank Dispute Department, I hope this message finds you well. I am writing to formally request the immediate reopening of my dispute against the merchant Get XXXX XXXX concerning an outstanding charge of {$250.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am increasingly concerned that my previous dispute was not handled with the attention and care that customers deserve. The purchase I made was for an airport pickup service. Upon my arrival, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXfter reaching out to the merchant, I was informed that they do not operate on XXXX, which is when my pickup was scheduled. This information was not communicated to me at the time of purchase, leading to a significant inconvenience and financial loss. 

I promptly requested the merchant to cancel my order and issue a refund. However, they have refused multiple times to accommodate my request, leaving me stranded without the service I paid for. 

Subsequently, I contacted Citibank to dispute this charge, under the assumption that a thorough investigation would be conducted. To my surprise and disappointment, my dispute was closed without any communication from your team regarding the merchant 's response or any efforts to reach out to me for clarification. 

I kindly urge you to reconsider my case and conduct a more comprehensive investigation. It is crucial for me to receive the service I paid for or a proper refund, as the current outcome is unsatisfactory and does not reflect the standard of service I expect from Citibank. 

Thank you for your attention to this matter. I look forward to your prompt response and hope for a resolution soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (PA)

I received a prepaid card in the mail from Netspend welcoming me to my new account. I did not open an account with this company and indeed have never even heard of them. When I called them I was informed that it appears someone had committed fraud opening an account in my name utilizing my social security number which was part of an earlier data breach ( XXXX XXXX XXXXXXXX ). When I asked them to disclose how someone was able to open such an account despite my credit being frozen and an existing fraud alert on my credit file because of a similar issue in the past with another financial institution, I was informed that the only way they could discuss anything with me was to contact my local law enforcement and file a police report which I would then need to fax to them with additional information. I am obviously not going to do that because it would be hours of work for likely zero benefit. It is frustrating to me that financial institutions continue to allow people to open financial accounts fraudulently in my name, using my information, despite there being both a fraud alert and my credit being frozen. I'm not sure what can be done but a company choosing to do this is clearly willing to engage in fraud and unwilling to spend the resources and effort to ensure that people are genuinely who they pretend to be when opening an account.
Consumer complaint received 2024-11-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (CA)

I closed my account with XXXX a year ago. since my phone was nearing the end of the lease, i negotiated that i return the phones and i will be mailed the last bill which was suppose to be around {$250.00}. 

i was never mailed the last bill, i attempted to log on the account so i can pay for it but my login was already closed only within 20 days of going to another company. 

I was immediately sent to a collections agency, which i disputed because the amount was higher than i owed and upon reading the details. they added the phone charge which i returned. I was upset with XXXX XXXX about this and i attemted to dispute directly with them. In my displeasure with multiple agents. i recorded our communicaiton with the agent which confirmed my every attempts to settle. But i was notified that there is no longer anythig they can do as its been sent to collections. 

I first dealt with a separate collector which agreed that i do no owe that amount and immediately sent the collections back to XXXX. 

It was then sent to another collections. XXXX XXXX XXXX, who i made an agreement with since the payoff amount was close to what i believed i owed with the agreement that they will not hurt my credit. 

They immediately sent a revised bill ( attached ) in XX/XX/year> with the amount now doubled at {$530.00}. even at my displeasure with this terrible tactic i decided to settle with them by giving them my credit card number over the phone to charge just so they can go away. months later i called them because i realized that they did not charge my card and was told that that the debt is no longer in their system. 

Forward to now, i got a credit alert that something negative is on my file. which is another company Name AMSHER COLLECTION SERV Address XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX bill is for XXXX now at {$920.00}. 
i feel that these companies are bullying me and hurting my credit. 
I tried to call his company but their phone systems doesnt even work right ( video attached )
Consumer complaint received 2024-11-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Back In XXXX I requested Credit Acceptance Corp to repo my XXXX XXXX XXXX, because it would not pass XXXX XXXX even after putting over {$2000.00} into it. When I registered it I had transferred the plates from another vehicle and the registration was due to be renewed. With out the vehicle passing NY state inspection they will not allow you to renew a registration. There for the vehicle could not be used.A week after my Husband purchased the vehicle the check engine light came on We took it to the dealer who apparently only reset it cuz the light came right back on. Over and over we requested that they come and get it. They never did they never even attempted to. In the XXXX of XXXX Ny you are not aloud to have an unregistered vehicle in your driveway or yard so we put the XXXX in the garage so we would not be fined. Credit acceptance claims they tried to repo the vehicle for over a year but never once came to our home which we have lived in for 30 years. They never once knocked on our door. They never once went to my place of employment. They are crooks and liars. 
Back in XXXX of XXXX they took it to the Supreme Court XXXX XXXX and got my wages garnished 4 years after they were told to come and get it. This vehicle was still sitting in my garage unregistered since XXXX. And they garnished my wages for almost {$14.00}. 
Had they of repoed the vehicle the bill would not of been that high. In XXXX of XXXX I received the discharge of lien they claim they sent me because of already having the judgement against me. But the Lawyer for Credit acceptance told me straight out they sent me the discharge of Lien because they did not want to repo the vehicle. 
Some one is lieing and trying to cover there XXXX. 
I guess what they didnt seem to take into consideration is me quitting my job and them not being able to garnish my wages. They cant get a new garnishment because they no longer have the Lien to hold against me.

Theres also the fact that I was the co signer on the vehicle and never once did they try to collect the money from the buyer. 
I need this garnishment stopped I am the soul provider for my household and its affecting my whole life. Currently I am being evicted from my home of 30 years because I cant keep up with bills ext because of this garnishment I guess my next step will be quitting my job and collecting social services or going bankrupt because of this company. 
I need them to stop sending false information to my XXXX just 2 days ago I had a decrease on my credit score cuz they claimed I didnt pay {$160.00} dollars to credit acceptance when they have my wages garnished. And an increase on the amount they claim I owe. They cant do that when the amount I owe is on my garnishment.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Servicer under contract with Federal Student Aid (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

From XXXX XXXX XXXX I realized 6 international transactions pending from the following merchants : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I immediately searched the merchants and all of them dont even have a website. 

I filed a claim on XX/XX/XXXX ( # XXXX ) stating these were not authorized by me and reported as fraud. 

On XX/XX/XXXX I see that my claim has been closed and declined for all XXXX transactions totaling {$1300.00}. 

I want to know how these merchants with no website / business to the name are able to take money out of my account without my authorization. And my claim being denied.