davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

My complaint is that there is no business or consumer protection at the bank level when a customer is scammed/frauded into action inside the bank accounts. 

I was called by XXXX woman who identified herself as the Wells Fargo Fraud department. She asked me if I had made recent purchases - I had not and told her no. She then told me I had wire fraud happening and she gave me a bunch of information about the case - mimicking a Wells Fargo case id, the amounts and which accounts it was from by using the last XXXX digits of the account numbers. She said the fraud for wires would call back on the same number and that she would hold until that happened then hang up, she told me who would be calling from that department. He did. He then proceeded to walk me through " returning the funds to me '' via the app, he told me to write his name down, with the account number she gave me, which was framed to me as a case number also, he said, before you add recipient write XXXX in the memo to reverse the wire. Then when you add recipient, it will change to your name. It did, so it looked like I was wiring myself. All of this was done in app. He then said I would receive a text saying, WELLS FARGO BANK : Wire transaction amount of XXXX has been canceled and will be refunded. I did ( I made XXXX WIRES ) because it was framed as the only way to return both attempts. The phone number I got the text from was XXXX. The next amount was XXXX.
Consumer complaint received 2024-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (NY)

I am writing to dispute the information related to a charged-off debt appearing on my credit report. 

According to my records, this debt was charged off and should not be listed as a current obligation on my credit report. As such, I request that you remove this charged-off debt from my credit report immediately. 

Please investigate this matter and correct the information as required by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-08-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I submitted my school Misconduct Discharge application explaining that I am also part of the XXXX XXXX XXXX Borrower Defense group, where it was won in court that XXXX XXXX determined that the school I attended did, in fact, defraud its students. Based on that information, I submitted the School Misconduct Discharge paperwork, also providing my case # with student aid. I received a generic response stating that my application has been denied. 

That Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

However, no context was really given to me as to why my application was denied or what information they were using to determine that it would be approved. How can my school be determined to have defrauded me with my federal loans but not my private loans? I want to appeal this denial.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (FL)

I have recently received mail at my new address for this indigo credit card that I never applied for nor did I give permission to open a credit line. I contacted the company and explained that to them and they assured me that they would investigate the matter.. i continue to monitor my credit report via the XXXX website and indigo MasterCard allegedly closed the account. 
however I keep receiving statements from said credit card company stating that the card has been used and there's an outstanding bill. 
Today I receive another letter from the company dated XX/XX/year> stating that they were informing me that the transaction listed below will be reposted to your account and it's from a cash app charge any amount of {$200.00}. I do not own an indigo MasterCard nor did I apply for that indigo MasterCard. 
This was all done and opened without my knowledge or permission. I am a victim of several data breaches recently and I believe that someone has obtained my personal information and used my identity fraudulently. 
I never applied for a credit card nor did i give anyone permission to use my name I can provide documentation showing that my personal information such as my social security number address phone number physical address have all been compromised in recent data breaches.
Consumer complaint received 2024-08-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (TX)

I spoke with an agent on XXXX at XXXX and told the agent that the debt did not belong to me. I explained that I have had this same charge removed from my credit report twice prior. I have not opened any accounts in my maiden name since XXXX. The agent told me that they will make this note to let the company know. I told her thank you and she said have a great day. The next day I received notification that they placed it on my credit report again. Now I have to go through all of the steps once more to have it removed.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Penn Credit Corporation (CT)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$86.00} 2.penn credit corporation XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX amount {$730.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX amount {$100.00}
Consumer complaint received 2024-08-10
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC (NC)

I enrolled with National Debt Relief in XX/XX/XXXX. They took {$300.00} out of my bank account twice a month through XX/XX/XXXX for a total withdrawal amount of {$5100.00}. In XX/XX/XXXX they removed me from the program and said that I called to cancel which I did not. What I had done was sent several emails and messages through their site requesting an accounting of where my money went. On XX/XX/XXXX, after they lied about me calling them they sent a spreadsheet showing they had paid out a total of {$55.00} to creditors with no accounting of the rest of my money. I have since repeatedly sent email requesting a full accounting and a refund of ALL my money- all emails have been ignored. On XX/XX/XXXX they refunded {$1200.00} to my account, leaving {$3800.00} unaccounted for. According to their own policies they state We earn nothing for our work until weve achieved the results you want, and you feel great about the savings. Under this policy, they need to return the balance of {$3800.00} that they took from me without providing any results whatsoever. They continue to ignore my requests.
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MECHANICS BANK (CA)

I have been speaking with rep XXXX concerning my car payments.I fell on financial hardship i fufilled my arranngement paying a car payment last month. She let me know the only setup for reposession once we are 75 day past due on a recorded call. we set a arrangement for me to make a payment on the XXXX to bring me under that 75 day mark. I've been getting harassed getting called and being hung up on, today the agent gave a threat og paying in 4 days going against what the other agent said..this needs to be rectified immediately... also when they call working from home they say they dont have the capabilities to transfer to. a supervisor this needs to be fixed
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo account opened XX/XX/XXXX for credit limit {$4800.00} charge off XX/XX/XXXX {$5600.00} Would like this account removed from my credit report as soon as possible. If not please send me proof of this account.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home 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 (GA)

I fell victim to negligent practices described by the CFPB regarding my mortgage account and have not received a refund check for same from Well Fargo Home Mortgage.
Consumer complaint received 2024-08-11
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: DISCOVER BANK (NY)

PLEASE REMOVE THIS FRAUDULENT ADDRESS AND ACCOUNTS THAT WERE OPENED UP IN MY NAME FROM MY CREDIT REPORTS. THERE WAS ALSO BANK ACCOUNTS THAT WERE OPENED IN MY NAME WITHOUT MY CONSENT USED TO MAKE PAYMENTS TO THESE ACCOUNTS OVER A HISTORY OF TIME. PLEASE REMOVE. I ATTACHED AN FTC REPORT ALONG WITH THIS COMPLAINT.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX security freeze
Consumer complaint received 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

A payment of XXXX $ has disappeared from my payment history on the edfinancial website even though the credit was taken out of my account. Since Ive made this payment on XX/XX/XXXX of XXXX additional interest has accumulated. The confirmation number was XXXX. After talking to edfinancial customer service it appeared they had no clue what happened to my money.
Consumer complaint received 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

I am writing to express my concerns and dissatisfaction regarding the recent issues I have encountered with the XXXX ( Saving on a Valuable Education ) plan. 

I applied for loan forgiveness before the Supreme Court 's decision, and I made the decision to switch from the Income-Based Repayment ( IBR ) XXXX to the XXXX plan. However, I am now being penalized for this switch, despite being on the XXXX plan for XXXX  years. It seems that my years of responsible repayment under the XXXX plan are not being recognized, and I am effectively being asked to start over in terms of my progress toward loan forgiveness. 

It is disheartening to see that some individuals have received funds to pay off their loans, while I, who submitted my application in a timely manner, am now facing setbacks due to this change. I believed that transitioning to the XXXX plan, part of XXXX XXXX initiative, would be beneficial, but instead, it has resulted in an unexpected and unfair consequence. 

I would like to request that my previous XXXX  years of payments under the XXXX plan be honored and that I receive the same consideration as those who have had their loans forgiven. I respectfully ask for a review of my case and a prompt resolution to this issue. 

Thank you for your attention to this matter. I look forward to your response.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (TX)

I was looking at my credit reports and found this collection on my experience credit report. I have received no knowledge of this account nor do I even know who this vendor is. 

A collection agency putting negative credit on a credit report without contacting the debtor would be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c which prohibits communication with a consumer regarding debt collection without prior consent or a court order.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

I purchased a USED XXXX XXXX from XXXX XXXX in 2023. They told me they were adding gap coverage due to the high amount might loan was as well as a warranty into my total price. They charged me almost XXXX XXXX for a car that was worth XXXXXXXX XXXX at the time. I was completely taken advantage of as he knew I was new to the car process. After a few months an issue came up with my vehicle that required work that should have been covered by my warranty, I called XXXX XXXX  to find out that they had closed. I had to XXXX who had my loan and what was happening, they sold my loan to WESTLAKE PORTFOLIO MANAGEMENT and I needed to get ahold of them. Upon getting ahold of them they informed me that Westlake was NOT honoring any of the warrantys that we paid XXXX XXXX for and if we wanted the refund we had to deal with XXXX XXXX. Fast forward after dealing with that issue myself my car was totaled in a hit and run. I called Westlake and they informed me they were not honoring any gap coverage that we may have paid the company for. I was paying XXXX XXXX a month for over a year on this vehicle, after it was totaled Westlake was telling me I still after a year of paying owed almost XXXX XXXX on the car. They also informed me that due to them not being able to honor my GAP coverage that XXXX XXXX took money from me for I had to pay back this XXXX . My insurance paid out XXXX to Westlake leaving me with XXXX & to pay. I dont know what happened to my payments made to XXXX XXXX before they went out of business ; I dont have any money from any warrantys or gap coverage back and now this company wants XXXX XXXX for a totaled car while they RUIN my credit. I need some help with where to turn next. Westlake will not help me. They have since written off the XXXX XXXX  they are still saying I owed as a bad debt on my credit. So now my credit is suffering tremendously. This company has taken so many peoples money, I dont believe I owed them that.. and I would like it taken off my report and labeled as a closed account.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> Other XXXX Reported Date XX/XX/year> {$0.00}
Consumer complaint received 2024-08-10
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: Resurgent Capital Services L.P. (IL)

Dear LVNV FUNDING, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act.

It has unequivocally come to my attention that LVNV FUNDING has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information.

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that LVNV FUNDING immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that LVNV FUNDING will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (NY)

RE : XXXX XXXX XXXX, XXXX, MA, XXXX I am on the title and deed. 

My pre- marital funds were used to make the downpayment on the home above. 

Attorney XXXX XXXX made a misstatement under oath in court. He stated to referee XXXX XXXX XXXX in XXXX of XXXX that XXXX XXXX XXXX had made the downpayment on the home and attorney XXXX produced a fraudulent " gift letter ''. There is no evidence that taxes were paid on this " gift '' and the funds were in fact returned to XXXX XXXX at the time of the closing. 

I have maintained the house above since XXXX, when XXXX XXXX abandoned the property to live in XXXX and stopped paying his mortgage, so that he could pay his attorney, XXXX XXXX and avoid paying child support. 

I have paid to repair and replace broken appliances, repair the chimney, to hire real estate attorneys in MA to attempt to communicate with US Bank, etc. 

US Bank has refused to communicate with me in order to stop their foreclosure process ( while charging outrageous fees ), claiming that I am NOT on their mortgage. 

It appears that there has been fraud and that someone has forged my signature on a second mortgage. See the email from attorney XXXX XXXX ( XXXX ), attached here. 

It appears that my signature was forged on the first mortgage, as well, and attorney XXXX was the only one to notarize the first mortgage. 

US Bank is attempting to sieze our property again now, even though they claim that I am not on their mortgage, that the mortgage is too old for a foreclosure, and we know that there has been fraud. 
I would like a full investigation of this matter.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act.

The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : U S DEPT OF EDXXXX XXXX Account Name : XXXX, XXXX & XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : DEPTEDXXXX XXXXXXXX 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 that consumer reporting agency can not furnish an 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.