davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (TN)

I recently received a copy of my credit report and found several accounts that were opened in my name. I believe that I may be a victim of identity theft. This account was not opened by me or opened with my knowledge or consent. I did not use this account or even know that it was opened.
Consumer complaint received 2024-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

I received an approval letter on XX/XX/XXXX stating that I was approved for XXXX XXXX as a full class member under the XXXX v. XXXX settlement. The letter clearly states that I am entitled to settlement relief for loan taken out after XX/XX/XXXX and as a result I will be provided a refund for any payments made on relevant loan that I have previously paid off. I reached out to Nelnet on several occasions to find out the status of my refund and my attempts have either been ignored or I receive an automatic response telling me to contact the Department of Education. The Department of Education then tells me to contact Nelnet. I contacted Nelnet on the following dates : XX/XX/XXXX - No response XX/XX/XXXX - No response XX/XX/XXXX - No response XXXX No response XXXX No response XX/XX/XXXX - No response XX/XX/XXXX - Submitted a case through XXXX was XXXX I would hear back in 15 days XX/XX/XXXX - Finally heard back from XXXX- they told me to contact my servicer directly XX/XX/XXXX - Contacted Nelnet received XXXX generic response telling me this matter is solely handled by XXXX XX/XX/XXXX - Contacted XXXX, XXXX a response telling me to contact my servicer ( Nelnet )
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My debit card was compromised on XX/XX/year>. I submitted a dispute immediately when noticing that my money was being moved around within USAA and purchases made from a company called XXXX XXXX ( from multiple accounts ) and XXXX  ( from a single account ) on the same day. All of the disputed charges from XXXX XXXX have been resolved. The dispute for the fraudulent charge from XXXX in the amount of {$3900.00} was denied. I have no idea who this company is and as explained to me by USAA, it is a cosmetics company. I don't wear make up nor do I purchase large quantities of products at almost {$4000.00}. I appealed to ensure a thorough investigation is completed and asking that my funds be returned. There has been reports of multiple USAA accounts being fraudulently charged and I am assuming I the next victim. I asked them to take a closer look at my purchase history and reconsider refunding this fraudulent charge. I have heard nothing back.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONS DIRECT MORTGAGE, LLC (AL)

In XXXXXXXX XXXX XXXX I applied for a mortgage forbearance. The application process was supposed to take less than 30 days but Nations Direct said that they had a backlog and it would take longer. It took several months during which time they assured me that it was ok for me to not make payments. The forbearance was eventually approved but only after they reported several months of late payments. These negative reports have ruined my credit and I can not refinance my home because of it. I spoke with someone at Nations Direct with the initials XXXX who informed me on XXXX the credit bureaus had all been notified to remove the late payments but that did not happen. Now, Nations Direct is telling me that Ill have to contact their research department, but no one knows how long it will take to resolve this. Ive been denied refinance loans because of this. The matter is time sensitive and Nations Direct is not doing very much to correct it.
Consumer complaint received 2024-06-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC. (GA)

I paid off my auto loan XX/XX/XXXX and it was held as an electronic title. Ally documents show it would be sent to XXXX XXXX in XXXX business days. It has now been five days and the fl dmv still shows a lien. When I contacted them today they say it will be 7-10 days after fl dmv received and they have not send to them as they are still processing pay off. Even though my account as shown paid off since last Thursday XX/XX/XXXX. Contact has only been through their online chat as they do not answer the phone after 45 minutes on hold they hang up on you. I have experienced the XXXX time over the XXXX year life of my loan.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (MD)

I went to check my checking account balance and saw this company took {$290.00} out of my checking account using my debit card. I did not take a loan out with this company and want this removed from my credit report and reported as a scam company XXXX  re : Westlake Portfolio Management XXXX. This info was taking from my XXXX Banking Account. I did not take a loan out with this company at all. They used my cell phone but not my email address. Please stop these people from going into my personal checking accounts etc as I did not sign anything for {$5100.00}. My credit is not good for that kind of loan. I would not take out, anyway. I need you to contact these people and stop them from using my personal information. XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC. (MD)

Company sent a threatening email with my SSn in the subject line of the email. Company threaten to seize any account associated with my ssn, and threatened to send a team to collect my assets.

I was scared and forced into making a payment.

I contacted them and asked for proof they still have not provided any details pertaining to this debt. Copy of email sent on XX/XX/XXXX  at XXXX XXXX I am sending out a Quick Track Enforcement Team to your business and home address to gather an organized list of assets for liquidation. This is needed to initiate the process of monetizing the assets you pledged under your security agreement. Please reach out to me to schedule a time.

If no time is scheduled, they will arrive unannounced. Also, today I initiated the process of freezing and attaching your bank account ( s ) as well as any account associated with your social security number as in XXXX XXXX, XXXX, XXXX, etc. If you wish to stop this process and place your account in good standing, communication is necessary.

IF CONTACT IS NOT MADE BY XXXX XXXX EST ALL ACTIONS WILL MOVE FORWARD. 

CALL TO RESOLVE -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mr. Cooper Group Inc. (CA)

XX/XX/, my mortgage company NationStar Mortgage transferred my loan to MrCooper. I was told nothing should be changed on our end for the transfer. I had been paying my monthly mortgage on time each month. Me and my wife XXXX XXXX even called the new mortgager MrCooper, they told us everything looks good to go. Our latest payment was deducted by NationStar, and new payments are going to MrCooper. 
However in XX/XX/, we found out that both of our credit scores were dramatically dropped from XXXXto under XXXX, a big more XXXX points drop, this affected our ability to get loans ever since. We both had perfect credit scores and were always able to get the best interest rates before this event. 

We did everything perfectly on our end, and as mentioned had been paying everything on time. Due to the errors by the two mortgage companies, they were not able to transfer the payments on time between time, or couldnt reflect it correctly on their system. As consumers we suffered credit drop, we contacted them to get the credit report removed so our credit score can be fixed. However its been 2 years and its still not fixed. 

The mortgage companies have confirmed on their end payments are received on time, and in their system adjusted as needed however never fixed our credit history. 
I would like to have both of my ( XXXX XXXX ) and my wife XXXX XXXX XXXX ) s credit monitoring be fixed with all three credit bureaus by the mortgage companies.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: FIRST HAWAIIAN, INC. (GU)

My name is XXXX XXXX from XXXX XXXX number : XXXX Email : XXXX First Hawaiian Bank Charging me service fee of almost {$6.00} Without letting me know.
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (TN)

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 a 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. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Are reported inaccurately
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a 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.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/year> My husband contacted Wells Fargo to ask if they can put a Stop Payment for a preauthorization that was showing in our account but the Agent who he spoke with did not put a Stop payment, instead they file a unauthorized dispute on my husbands behalf. My husband not knowing what's going on thought that the issue has been resolved since the funds was put back to our account. 

On XX/XX/XXXX, we received a letter from the mail saying that the claims was declined and that they are debiting the money from our account. I called them on Monday XX/XX/XXXX, first thing in the morning to asked why did they file a unauthorized transactions and not put a stop on the transactions. The agent explained to me that they couldn't put a stop on a preauthorization since it has already posted in our account, although I understand that reason, they failed to disclose and explained to my husband that they couldn't do what he requested. All he knew was that the issue was already resolved. After she explained that the claim was declined, I asked that she resubmit it but they are refusing to do so because they are asking us to show proof, which we have no control of. Transaction was made over the phone so it is impossible for us to provide any proof that they are requesting. The Merchant have all the control and the bank is siding with them.

So, I asked the agent to file an arbitration against the Merchant and she said that she will file the arbitration and that it will take 30 days for me to receive the information. That conversation ended. That same day XX/XX/XXXX, I called Wells Fargo back to asked the process of their arbitration but this time I am talking to a different claims agent. She then went and explain to me the same thing that the first agent says, I told her that wasn't I was calling about. She put me on hold and came back and told me that they are NOT filing for arbitration because the dispute has already been resolved. I said the dispute has not been resolved. We are still out of {$840.00} that the merchant refused to refund, and now our bank is also refusing to help us. 

Their disclosure clearly says that we can asked to file for an XXXX if the dispute has not been resolve, but they refused to do so. Now we are out of {$840.00} and we do not know where to go from here. Wells Fargo lied to us, deceived us and treated the claims unfairly.
Consumer complaint received 2024-06-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (NY)

Prior to my lease ending I contacted Ally Financial about purchasing my vehicle. They gave me a rate of 11.25 %. I decided to pursue another avenue of obtaining a loan. My lease expired XX/XX/XXXX. I contacted them on XX/XX/XXXX to have a letter faxed to the XXXX XXXX I was using. I made several phone calls to obtain this letter and it wasnt ever received. Then on XX/XX/XXXX they faxed a payoff letter with a payoff date of XX/XX/XXXX. The bank is unable to use this letter. Today is XX/XX/XXXX and still havent faxed an updated payoff letter. They advised me they were charging me {$56.00} a day every day past XX/XX/XXXX or XXXX. Ive been hung up on, Ive been lied to and I feel XXXX being gouged purposely. I spoke with them again today and the only thing they claim can be done is it will be up to XXXX hours before letter can be faxed. I asked for it to be expedited and they cant do that they say. What more can be done??
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

U.S. Bank, as trustee for the benefit of XXXX XXXX XXXX XXXX, perpetrated fraud in a foreclosure action against me and procured an unjust windfall of {$350000.00} at my expense. 

In XXXX XXXX I consented to pay or re-finance the {$680000.00} unpaid principal ( inclusive of unpaid interest added to the original {$670000.00} amount ) of a loan I had received from XXXX. in XXXX that XXXX allegedly had acquired. 

In XXXX XXXX, I received a statement from XXXX, the purported loan servicer, indicating that my " unpaid loan balance '' was {$650000.00} and that my " new monthly payment '' would be approximately {$1000.00}. Assuming this was the bank 's loan modification offer pursuant to XXXX XXXX XXXX XXXX, I sent the first month 's payment to XXXX. 

However, U.S. Bank did not cancel the sale, and my home was sold for {$1.00} XXXX. I spent the next year trying to set aside the wrongful foreclosure sale but was unsuccessful. 

In XXXX XXXX the court disbursed {>= $1,000,000} to U.S. Bank, which was {$350000.00} more than I owed to the Trust. And now I can not find an attorney to represent me because the original foreclosure judgment is more than a year old.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-04-11
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. (MD)

I used to have a store card with XXXX 's that was turned over to a company called XXXX XXXX a collection agency. That account with XXXX XXXX XXXX, was sold to an Attorney 's office called XXXX, XXXX, & XXXX on Maryland. I paid of the balance owed to XXXX XXXX and have furnished the payoff to Equifax. Equifax continues to report the XXXX XXXX account as derogatory on my credit report and continues to reflect a credit score ( Equifax 616 ), way below the other two credit reporting agencies ( XXXX 717 ), and XXXX ( 654 ). I filed a complaint in XX/XX/XXXX, furnishing them with the final payoff letter with XXXX, XXXX, and XXXX. After their investigation they still refused to take the XXXX XXXX account off my credit report. I approached the XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX furnishing them with all the documentation. The XXXX XXXX XXXX closed my file without getting to the bottom of the matter in XX/XX/XXXX. Today XX/XX/XXXX I refiled with the XXXX XXXX XXXX XXXX XXXX with the additional documentation of the final payoff letter from XXXX XXXX. The XXXX XXXX XXXX swiftly responded stating that I was filing a duplicate complaint, and closed my file again. Today 's complaint number with XXXX XXXX was XXXX. I have tried to upload the new letter on the Equifax website and I am unable to. I feel I am just running around in circles about this matter.
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (CT)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act
Consumer complaint received 2024-08-04
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: Experian Information Solutions Inc. (VA)

CFPB, It's almost 30 days that Experian hasn't responded XXXX is XXXX days I know under the FCRA if a investigation isn't complete in 30 days it's a violation and the account must be deleted.
Consumer complaint received 2023-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

We sold a house on Friday XX/XX/XXXX. We filed all the paperwork according to what Carrington sent us. We did close one day late past the original close out settlement but was told to pay the {$12.00}. and some od cent charge to cover this and we would be good. Out attorney did all the paperwork to reflect this and money was wired and taken care of. Monday the XXXX rolled around and they kicked it back and told us it was not the correct amount and told us we had another XXXX on there we have to pay and now we are disputing the charges but because change of ownership has happen we are forced to pay the additional fees to complete the title transfer. We were not told about any additional charges and when we spoke to a rep from Carrington on the 3rd they indicated the charge would be fine.

Spent over 3 hours today talking to reps and all telling me different stories and no one wanting to help resolve this besides pay the additional fees. We don't mind paying the extra couple of days interest but almost XXXX worth fees is ridiculous.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO (PR)

A was looking a house for rent and one appear in XXXX, I call the phone number that was on the advertisement, nobody answer to me only they communicate with me via text message from the phone number XXXX and tell me that if i been interested in the house send {$350.00} via mobile ath of the popular bank XXXX XXXX XXXX.I send the money to other phone number that was the one he text me because he will send the keys when he receive the money, but it never do it.