davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: M&T BANK CORPORATION (CT)

My bank account closed due to negligent funds. I repaid the debt in full. The bank manager gave the authority for me to open another account with the bank. When doing so, I was still in the system, XXXX XXXX  and XXXX XXXX, and my credit reports of owing M & T bank the funds that i had paid off. I was denied a bank account.
Consumer complaint received 2024-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I believe that SPS is conducting in dual tracking practices. On many occasions while communicating on procedures or options, the bank engages in something opposite. XX/XX/XXXX I was in a forbearance plan, SPS filed for foreclosure sale on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX, during request for mortgage assistance. Most recently in litigating this matter. SPS did not informed me nor my attorney that the XX/XX/XXXX sale was cancelled two to three weeks prior. I spent money to file an appeal not knowing what they did. In XX/XX/XXXX, I informed SPS that I would except one of the option of a short sale that was approved for me. During the process of listing and eventually getting an offer. SPS sent me a new notice of foreclosure sale date of XX/XX/XXXX. They can not be trusted, and must be held accountable. I have been negotiating fair during this entire process. They wont give a reason why
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Signed up with a mentorship online for XXXX XXXX. The mentorship offered coaching and a step by step guide on how to successfully start a business from scratch. As soon I accepted the offer I was to pay an amount to join the classes. As the classes started I was told to pay more money for start up costs. After about 5 months the coaching stopped and he no longer contacted me. I still follow him on XXXX  but he is no longer doing XXXX XXXX classes but mentorship class for XXXX. I don't want to be a XXXX  I just want to XXXX XXXX. There is no guidance and what he promised me he couldn't deliver. The money was spent on scam that I didn't know was a scam. The incident happened in XX/XX/year>. Bank of America allowed the funds to be transferred without checking that this was indeed a scam. Bank of America did not and would not pursue my case and incident.
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc. (CA)

RFGI claims ( on behalf of XXXX XXXX XXXX XXXX, whose principal is XXXX XXXX ) that I paid {$2700.00} for XXXX XXXX XXXX XXXX legal services and owe them an additional {$810.00}. 

This is in fact patently false. Their reporting of a false claim on XX/XX/XXXX has caused my credit score to drop precipitously and will cause irreparable harm if it is not immediately rectified. Both RFGI and XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXXXXXX should be taken to task for this. 

I have included four attachments in addition to a cover letter : - XX/XX/XXXX - XX/XX/XXXX -- Complete communication with RFGI ( file Complete communication with RFGI ) : RFGI claims I paid {$2700.00} to XXXX XXXX  / XXXX XXXX and owe {$810.00} in response to an email from me on XX/XX/XXXX that I had paid {$3200.00} and did not owe anything given my agreement with the creditor. On XX/XX/XXXX, I provided them all the evidence I have provided here - my wire of {$3200.00} and verbal agreement with XXXX XXXX referenced in the email to XXXX XXXX. XXXX XXXX acknowledged this email, said he would look into the invoices but never responded after that ( he was always planning to get paid what he could via verbal agreement and then use unethical collection means to try to collect more ) - Proof of my wire to XXXX XXXX XXXX XXXXXXXX  from XXXX XXXX XXXX, XXXX, the entity for which I am a representative and for which XXXX XXXX XXXX XXXX  provided legal services, of {$3200.00} ( this is sufficient to prove that their claim I owe {$810.00} is incorrect ) ( file transaction-details_Wire Transfer XXXX ) -My email to XXXX XXXX disputing an additional invoice shortly after a verbal agreement on the phone that {$3200.00} would settle the entire legal bill. XXXX acknowledges the email and says he will look into the additional invoices but never looks into it/ never responds and instead continues sending unpaid invoices and subsequently sending the invoices to collection. By not intending to abide by his verbal agreement, XXXX XXXX is also in breach of California law ( file XX/XX/XXXX communication with XXXX  ) -XXXX  XXXX original estimate for the legal work of $ XXXX ( not necessarily relevant here but helpful context for anyone reviewing ) ( file XXXX XXXX XXXX )
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was scammed by on online business. I used XXXX and I called my bank for help recovering or trace the money but they said they cant help I dont know what else to do. I already reported the scam. The scam happened on XX/XX/2021 I was requested to pay via XXXX to 2 different accounts I paid {$250.00} to XXXX XXXX ( XXXX ) XXXX and {$400.00} XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Commercial Collection Corporation of New York, Inc. (CA)

On XX/XX/XXXX, an email from XXXX XXXX XXXX of Commercial Collection Corp. of NY, attempting to collect an alleged debt of {$1900.00}. This email lacked the necessary information mandated by the Fair Debt Collection Practices Act ( FDCPA ), such as the amount of the debt, the name of the creditor, and the rights of the consumer to dispute the debt and request validation. 

XXXX XXXX has repeatedly requested : A copy of the contract that allegedly justifies the continued billing. 
Validation of the debt, including details on the amount owed and the basis for these charges. 
Despite these requests, XXXX and their agent, Commercial Collection Corp. of NY, have failed to provide the requested information. This continued billing and lack of transparency violate both federal and state consumer protection laws, including the FDCPA and California Business and Professions Code Section 17602. 

The ongoing attempts to collect a debt that is not owed, coupled with the failure to provide necessary documentation and validation, have caused significant distress and inconvenience to XXXX XXXX. 

Key Dates and Actions : XX/XX/XXXX : Formal cancellation of subscription with XXXX. 
XX/XX/XXXX : Email from Commercial Collection Corp. attempting to collect {$1900.00}. 
Multiple Requests : XXXX XXXX has made repeated requests for contract and debt validation, which have not been fulfilled. 
Requested Resolution : Immediate cessation of all collection activities. 
Update the account status to reflect a XXXX balance and confirm the account closure. 
Issue a formal apology to XXXX XXXX. 
Provide any contractual documents that justify the continued billing. 
Issue a full refund for any charges incurred post-cancellation. 
Failure to address these issues will result in further legal action to protect XXXX XXXX rights.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital, One claims to have resent an affidavit, in which case, nothing received to date. Affidavit is regarding check in amount of {$4200.00}. Their rep, XXXX, claims they can not recover funds due to length of time, in which case, this is their own error, failed to send affidavit when XXXX to their attention in XXXX, affidavit sent several years later, closed out in error, refused to reissue affidavit, has now decided to reissue .... Further, the rep claims any further attempt at recovering funds would have to be done with person who cashed check, in which case, person is nowhere to be found and not my responsibility to attempt to locate ... As stated, numerous times prior, the loss of funds is partly Capital One 's error, having stopped payment on initial check prematurely, did not allow sufficient time for check to receive, stopped payment on it after I had deposited it to my XXXX account, check then got returned back due to stop payment, second check reissued to my address while on vacation .... Check was intercepted by another party, cashed in my name, signature forged... When brought to Capital One 's attention, their rep, XXXX XXXX, failed to send affidavit, another error on end of Capital One .... If Capital One can not recover funds, it is party their own fault, as explained above. XXXX, XXXX, leaves a number to reach out, in which case, Capital One reps do not accept or return calls, as is evident from past experience...
Consumer complaint received 2023-02-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of James R. Vaughan, P.C. (NV)

A vehicle from 2017 is reporting {$0.00} balance on my credit report. I received a judgment from an attorney located in Arizona by the name of James R Vaughn who is acting on behalf of a company XXXX XXXX. This attorney James R Vaughn owns XXXX XXXX which has an office in XXXX, AZ as well as XXXX, WA. This person has threatened me with garnishments that total {$19000.00}. The legal civil limit foe a civil complaint in Nevada is {$15000.00} and an attorney can not own and operate the same collection agency that they represent. I have never had any written or oral communication with this attorney and or his collection agency therefore never having the opportunity to respond to any claims against me. I will be reporting this man to the Attorney Generals Office and the Board of Attorneys for unethical practices.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Momnt Technologies, Inc. (SC)

I logged into my Consumer Portal on XX/XX/year> to check the balance of my loan. It showed a pay off amount of {$810.00}. I called XX/XX/XXXX and spoke to an agent who quoted the pay off amount as {$810.00}, which I then paid over the phone. The agent confirmed the loan was paid in full and the account would be closed. I made a point to pay off the loan prior to the promotional period ending on XX/XX/XXXX. I received an email confirming my final payment on XX/XX/XXXX. I checked my balance online and it showed a XXXX balance. On XX/XX/XXXX, I viewed the XXXX Statement, which suddenly showed a balance of {$7400.00} with deferred finance charges and a late fee. I called Momnt Customer Service immediately. The first agent confirmed the loan is paid off, but when I inquired about the XXXX Statement, he remarked, " That's a mistake. Let me put you through to the lady who took your final payment on XX/XX/XXXX. '' I stayed on hold for XXXX minutes, with no answer. I called back and spoke to XXXX. I briefly explained the situation and he said, " That's weird. That's a mistake. Let me open a ticket to escalate this and get it resolved for you. '' After several minutes, XXXX came back on the line, and said his supervisor would not let him issue a work ticket, due a payment in XXXX being reversed. I reiterated that the agent on XX/XX/XXXX quoted a payoff amount of {$810.00} and confirmed it was paid in full. The consumer is not to be held responsible for Momnt 's accounting errors. I asked to speak with XXXX 's supervisor. He said she was in a meeting and she would call me later. I looked in the Customer Portal again after that phone call and saw that the XXXX Statement was suddenly missing. Every other Statement is there. I called Momnt Customer Service again and spoke with XXXX. I asked him to please email me the XXXX Statement, and he replied he'd be happy to assist with that. Then he said, " This is weird. It's missing. Where is it? '' And he put me on hold. When he came back he said that IT would restore the missing Statement within a few hours. It is still missing. See attached screenshot. The manager has not called or emailed in XXXX days. 

*Update - I contiunue to call with no resolution. They say it is under investigation and being escalated to XXXX XXXX. I spoke with them again today and they say there is still no update. 

ATTACHMENTS Momnt Missing State
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (LA)

Sallie Mae has constantly harassed me with calls 10+ times a day because Im late on my payment. I have tried months before to set up a payment assistance plan, but was told there are no options for me and I have to pay the minimum amount due on each loan. Im tired of the endless calls daily every hour, sometimes within minutes of each other. Im also tired of struggling to pay the payment with no options.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been charged multiple late fees, despite the card being " XXXX '' and having both cards on this account on auto-pay. I was charged a late fee of {$25.00} on XXXX plus interest of {$7.00}. I was then charged another late fee of {$40.00} on XXXX with interest of {$8.00}. My current balance with these charges is {$350.00}. The late charges exceed my minimum payment due, My balance would be roughly XXXX XXXX lower without these fees. I contacted Capital One on XXXX, as I have a payment due tomorrow and was told they don't/wo n't waive fees. I was attempting to make my payment, but they wanted a minimum payment of {$110.00}, rather than the normal {$25.00}. If I don't make the payment, they will then tack on additional charges. I attempted in good faith to both make the payment for what I actually owe, as well as resolve the issue stated. The company was completely uncooperative.
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (HI)

Had the Loyalty program with XXXX as I had been a customer for over XXXX  years. Ordered new phones, promised {$800.00} each for the XXXX traded in phones and {$35.00} per line for XXXX lines. Once XXXX got our phones only gave us {$200.00} per phone and charged us now {$50.00} per line. Refused to return phones, honor the prices given during switching plans. Kept screenshots of all conversations and all documentation. XXXX put this on my credit report even though this is in dispute.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Omni Financial Corp. (NC)

I am writing to file a formal complaint against SETOYOTA FIN XXXX XXXX XXXX, regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated.
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: EQUIFAX, INC. (FL)

I'm a victim of the Equifax data breach and have these accounts fraudulent and need to have them removed immediately I filed a identity theft report with the government pertaining to these accounts that were resulting from the Equifax data breach I have attached the accounts I'm disputing for removal the documents from my identity theft reports Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$98.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$790.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$300.00} Fraudulent Checking or Savings Account Company or Organization : XXXX XXXX Account Number : XXXX Date that I discovered it : Total fraudulent amountXXXX {$840.00} Fraudulent Checking or Savings Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (RI)

This is a follow up to complaint ID XXXX The bank has provided documentation but it simply lists the transactions I was attempting to dispute. There is no further information about the grounds for denial or the merchants response. I have also in this time successfully disputed transactions from this same vendor for this same reason with another bank. The documentation XXXXXX/XX/XXXXhas sent me is attached and they say no further information is available
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo Home Mortgage offered responses to my enquiry. However, they did not answer or respond to my questions or resolved the issues. 

Payment Assistance Reviews- Wells Fargo have found the Payment Reviews Supposedly Accurate. However, they have yet to account for or Explain the {$36000.00} -Two Checks received for The Mortgage proving I was not in Foreclosure. Wells Fargo REFUSES to Issue Servicer Guidelines in confirmation with XXXX explaining why I am not eligible for a Modification. What are the Investor XXXX which substantiate Wells Fargo Claims that I am not eligible? Wells Fargo refuses to provide evidence? 

XXXX XXXX Wells Fargo XXXX that they will not adhere to the guidelines Set Forth because they must Adhere to the Servicer Guidelines. However, they refuse to provide The XXXX XXXX under XXXX. As a result, I have contacted the XXXX Department and The XXXX to retrieve a Copy of the Proposed Action Under Federal Law. 
I am attaching the proposed XXXX Letter I received from XXXX XXXX explaining and Highlighting the Proposed Said Actions and Solutions Wells Fargo Agreed to complete.