davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (VA)

I received a settlement account from Wells Fargo. I called back in less than an hour to make the payment. The payment was for the stated amount. She read a disclosure prior to processing the payment. The amount in the first disclosure was processed. She then stated she needed to read the second disclosure. The second disclosure had a different amount. She said she was not sure why. She took 15 minutes to find out why and stated that she was unsure why and maybe because it was a principal. The escalations agent that I was sent to was horribly rude! He stated BOTH made a mistake.
Consumer complaint received 2018-09-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: 2288984 Ontario Inc. (MD)

On or about Tuesday, XX/XX/XXXX, a guy claiming to be from a company called XXXX threatened legal action against me if I did not pay a past due amount. They threatened arrest, jail and garnishment of wages if I did not agree to immediately pay something. 
Out of fear, I paid {$50.00} immediately and agreed to {$150.00} payments for the next 4 weeks even though I can't really afford that at this time. They have my debit card numbers and will withdraw the money on certain dates. 
I am concerned about the legality of this. I don't like strangers with my card numbers ; I have no idea who these people are and if they're legit. I was supposed to receive a receipt by email for the {$50.00} paid already and never did. 
Until I can verify that they are legit, I will be canceling my cards..I do not want to lose funds to this potential scam.
Consumer complaint received 2018-09-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Westwood Legal (MD)

On or about Tuesday, XX/XX/XXXX, a guy claiming to be from a company called Westwood threatened legal action against me if I did not pay a past due amount. They threatened arrest, jail and garnishment of wages if I did not agree to immediately pay something. 
Out of fear, I paid {$50.00} immediately and agreed to {$150.00} payments for the next 4 weeks even though I can't really afford that at this time. They have my debit card numbers and will withdraw the money on certain dates. 
I am concerned about the legality of this. I don't like strangers with my card numbers ; I have no idea who these people are and if they're legit. I was supposed to receive a receipt by email for the {$50.00} paid already and never did. 
Until I can verify that they are legit, I will be canceling my cards..I do not want to lose funds to this potential scam.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc. (TX)

Southwest Recovery located at XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX phone, XXXX. Has bought an account from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and they are saying that I now owe {$1100.00} to the collection agency. This account was paid in full on XX/XX/XXXX in the amount of {$1000.00} and I have my debt settlement letter from XXXX XXXX XXXX as well as receipts showing the debt is paid. Southwest recovery is reporting inaccurate information. I have disputed the debt with the credit bureaus and XXXX is reporting the debt as accurate as of XX/XX/XXXX.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Midwest Recovery Systems (AL)

Yes, they have a vehicle on my credit report that I did not purchase. It says with a creditor named XXXX XXXX XXXX. I have asked them to get the creditor to provide a signed contract for purchase with my signature requesting a loan with this company. I have asked in the disputes and have not received any information or the removal of the creditor from my reports.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/2018 American Express called my employer to speak to me about a debt. I asked them not to call my employer and they keep contacting me there. 
My co-worker informed me of a call at XXXX from a foreign speaking individual whom asked for me. Turn out it was the XXXX number from American Express.
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kirschenbaum & Phillips P.C (NY)

I owed a XXXX credit card debt back in XXXX for which a judgement was obtained against me. The judgement was never Renewed within the 10 years allowed which means it is no longer valid. However, the agency ( kirschenbaum, Phillips and XXXX in XXXX, Ny ) garnished XXXX from my bank account. I called them to court, XXXX, NY, and the judge ruled in my favor. She vacated the judgement on XX/XX/XXXX and demanded my money be returned. The agency has been uncooperative since that time and will not release my money to me. I do not believe this agency has 1 lawyer working with them as theyve had several complaints against them on line. Please help.
Consumer complaint received 2018-09-19
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: Experian Information Solutions Inc. (NH)

Experian sent me an alert that someone had reported a change to my account. When I pulled my credit free report through their website I found that they had changed my address incorrectly, and without asking me. When I tried to dispute this they took me through a series of online screens that ended with an error saying try back later. When I called the " dispute '' line there was no option to dispute and no way to speak with a live person. The system hangs up on you. This situation is appalling. 

Throughout the process Experian tried to sell me services and protections for the personal and financial data they store and update without my permission, and which they failed to protect. Unfortunately, since they appropriate my most sensitive data without my permission I have no choice.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have sent 4 letters to Equifax over the course of 120 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I have copies on file with certified mail receipts for each. In each letter I have asked them to correct direct erroneous information that they are providing on my credit report, I have asked them for physical proof for their " verification '' I have provided them with proof of their errors. They have several errors on my report : Misspellings of my name, wrong previous address, entire payment histories missing from tradelines and they refuse to send me physical proof for negative information that I suspect are not mine. Each month they send me a vague response that often doesn't even match what I have requested and the errors remain on my report with little to no change. They are willfully being non compliant to my FCRA Rights and my rights under the FCRA Section 609 especially. I have also tried to reach out to them by phone. I am often routed to representatives that do not speak English very well and/or can not understand what I am communicating. Equifax seriously needs regulation on how they handle inaccurate information. They are non compliant and they ruin peoples lives by not doing what the law requires. They are bold in their negligence.
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC (FL)

As I was reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one being XXXX XXXX ( Also known as/part of Continental Finance ). Yes indeed Ive attempted to rectify the issue on my own by initially disputing and requesting validation via the 3 major credit reporting agencies directly on XX/XX/2018 ... the responses I received were verified It appears that these agencies aren't doing any type of validation but asking these creditors is what they've posted accurate and no one doing any real investigation. I then decided to contact them ( XXXX XXXX/Continental Finance ) directly on XX/XX/2018 ( letter of dispute requesting validation along with fax confirmation attached ) and to date, I've received no response at all. I attempted calling ( XXXX ) today for another fax # or to confirm that which I have and the young lady ( XXXX ) advised me there wasn't one she could give me. The fax number ( Fax : XXXX ) is indeed associated with their company. I have learned in my investigation they have several different cards/multiple company names and have had some legal issues as well having to refund customers an approximate $ XXXX ( XXXX XXXX   XXXX ).
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : Account Name : XXXX  XXXX Account Number : XXXX Reported By : EQUIFAX Date Opened : XX/XX/year>
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (VA)

They called another phone line at my job asking for me on XX/XX/18 and I told the caller this was my workplace and to stop calling. Today, on XX/XX/18 the same caller called the other coworkers number asking for me. I work for XXXX XXXX and can not keep having them call my place of employment especially on a phone line that is not mine!
Consumer complaint received 2018-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (IL)

Im XXXX XXXX and has lived in my home since XX/XX/XXXX Im XXXX years old and is struggling to keep up with my payments I contacted Roundpoint mortgage and tried to get a loan modification and was denied due to my inability to understand the application process i feel as though Ive been unfairly denied by Roundpoint mortgage company after contacting the XXXX XXXX XXXX to gain entry to the XXXX XXXX XXXX for Assitance with my payments Ive been unable to maintain my normal income due to health related issues i really appreciate mercy on this matter thank you
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My student loans were sent to a collection agency, I got into a repayment plan 4 months ago. I have been paying them on time and every month. They said that after the 3rd payment they will report it to credit bureau as paying and take it out of collections. This has been moving my score up and down. They told me to consolidate the loan which i did, it is showing up repeated times which are errors. I am tired of calling them and they give me the run around. I have been patient with them, but my patience are running out. I am trying to obtain a car and these late remarks and acct discrepancies are making it difficult to obtain any sort of acct. 
I contacted the XXXX XXXX XXXX XX/XX/XXXX to start the payment plan we are on XX/XX/XXXX and yet still haven't reported my credit file as paying or updated any status on it becoming positive.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Equifax multiple times by filing a direct dispute with them. They stated in their response to my dispute that " This creditor has verified to OUR company that the current status is being reported correctly. " That is IMPOSSIBLE because I have a credit reference letter from XXXX   XXXX stating my account has NEVER been delinquent ( see attached ). I also have provided my FORBEARANCE LETTER from XXXX XXXX proving my account was in forbearance during the period its marked late on my credit report. I believe Equifax is not actually doing an investigation and are falsely reporting on my credit report. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with ZERO late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation of your so called investigation as to how you are verifying this information, as REQUIRED my law. These violations carry monetary damages, which I will pursue if this is not fixed.
Consumer complaint received 2018-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

My loan servicing XXXX XXXX XXXX is not handling issues brought to their attention in reference to my student loan. I requested my account to be reviewed with no results. I started contacting them since XX/XX/2018.
Consumer complaint received 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

In XX/XX/XXXX I executed a promissory note and mortgage in favor of XXXX XXXX XXXX  in the amount of {$670000.00}. The loan was a " pay option '' ARM, whereby if the monthly payment was less than the interest-only payment, the unpaid interest would be added to the principal. If the payment was more than the interest, the excess would be applied to reduce the principal. 

The loan was ultimately acquired by XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX  was the trustee, who initiated foreclosure proceedings against me after I defaulted on my payment obligations under the Note. 

In XX/XX/XXXX Nationstar Mortgage was assigned as the loan servicer, taking over as prosecutor in the foreclosure proceeding. The original foreclosure trial date was XX/XX/XXXX. As of that date, Trust records showed that the unpaid balance of the loan was {$680000.00} including unpaid interest that had been automatically incorporated into the principal. 

The trial date was reset to XX/XX/XXXX. On the morning of the hearing, I consented to a final judgment of foreclosure in the amount of {$680000.00} principal plus {$23000.00} taxes paid + {$54000.00} insurance paid = {$760000.00}, in exchange for an extended sale date. However, when our case was called Nationstar swapped-in a different proposed " consent '' final judgment, which its attorney slipped to the judge face-down, and which specified a total of {>= $1,000,000}, which was {$240000.00} more than I had agreed to pay. 

Nationstar had illegally modified the terms of my loan agreement by adding fixed-rate interest of {$140000.00} dating back to more than a year prior to the foreclosure initiation, plus I later learned that Nationstar had made a {$60000.00} unauthorized withdrawal from my Trust account a few days prior to the foreclosure hearing, and it charged me {$41000.00} for for windstorm insurance, which was specifically excluded from my loan agreement with XXXX.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RD Fuller Company, LLC (AL)

On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX called me and stated that he was calling in reference to a debt that I had owed to XXXX XXXX XXXX in the amount of {$2300.00}. I stated that I had attempted to pay them and another firm but they said they did not have the file. I asked him how he got the file and he said that I had been contacted several times which is not a true statement. XXXX XXXX stated that they could make a settlement with me for {$1800.00} if I pay by XXXX XXXX, 2018. I said that I needed it in writing. He said he could not mail me anything but it had to be faxed. I sent him my fax number at work. He sent me the document. Now he keeps calling me asking me to send a cancelled check online for payment. The deadline has not passed. He is very rude and raises his voice saying things like " We are offering you {$600.00} reduction! ". I asked him to stop calling me and he stated " You were suppose to call me back! '' I feel that I am being harassed and not been given proper notification or time. I contacted the other firm ( RD Fuller ) and they said that they had not attempted to contact me at all.
Consumer complaint received 2018-09-19
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. (CA)

I have contacted Equifax challenging the validity of dates for following accounts : XXXX acct # XXXX and XXXX XXXX XXXX XXXX acct # XXXX. 
The dates on the XXXX acct # XXXX are inaccurate. The date of last payment is inaccurate and the date of last activity is inaccurate. Missing date of closure and balance amount. 
The dates on XXXX XXXX XXXX XXXX acct # XXXX are inaccurate. The date of last activity is inaccurate, the date of last activity is inaccurate, the date of 30 days delinquency is inaccurate and date closed is inaccurate.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc. (CA)

NTL Credit MGMT submitted a balance that I owe to XXXX XXXX XXXX XXXX to show on all three of my credit reports. I never received a letter from them before they through this on my report. I only received a letter from XXXX XXXX at XXXX. XXXX XXXX, XXXX XXXX, MA XXXX. XXXX XXXX informed me via mail to reach out to the University for payment arrangements. I did in fact sent the university a letter stating that I wanted to make payment arrangements with them. I sent a letter to XXXX XXXX as well as the university. I received a letter from the university stating that it was sent to collection after the NTL Credit had already put this on my credit. I tried reaching out to NTL Credit to see why I never received a letter from them. They stated that they sent a letter and that they called two phone numbers, one of the phone numbers was a phone number that I had back in XXXX so the university would not have had that number since I took classes in XXXX. I use my cell phone for every contact number that I have had for over 10 years. NTL Credit gave my cell phone as the last number that they tried to call. I have never received any calls from them at all. Otherwise, I would have requested that they send me documentation in writing. I am also signed up for informed delivery and I can go back to all of the mail that was sent to me all the way to XXXX to prove that I have never received anything from them. I would have liked the opportunity to work this out with them before they put this on my credit and when I called, I was told it was against the law for them to take it off of my credit and if I did not pay it was going to be worse for me later on. I want this issue resolved without the threats and I would like the opportunity to dispute and/or get a breakdown of what the charges are for as I was never offered this in the beginning. I was communicating with one credit collection agency while this dept was sitting with another one.
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (NY)

I got a auto loan with wells fargo and everything was fine in the beginning then they starting charging me for insurance I already had.I sent them the info for my insurance several times it got fixed once and then they did it again. My car payment was XXXX they added XXXX a month extra and made my payments to high for me to pay.I tried  fixing it a million times and they wouldn't help me.They since have put my car as a bad charge off and have sent me no info about my car.They have charged me over 2000 car insurance that I have and have had also I don't even know how much in fees my loan should have been paid off by now and I still owe XXXX and they haven't sent me and thing to fix this problem.I feel I have been taken advantage of by wells fargo they have made sure and destroy my credit.