davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I used my debit card at a facialist store and was sold and brought XXXX products. When I got home, I looked inside the bag and realized I was sold an unmarked, unsealed and not labeled product. I also received a service and got my bill with an additional charge and was not informed or asked or made aware they were going to charge me an additional amount. I didn't consent nor give my permission. " I tried to contact the merchant and she didn't return my call till I filed a claim with Wells Fargo. I filed a claim on XX/XX/XXXX. I was XXXX would have up to XXXX  months to investigate the claim and here from the merchant. I just got an email saying my claim was closed and the funds were withdrawn from my account yesterday XX/XX/XXXX. Wells Fargo said XXXX denied the claim because I used my card. That was never being contested nor denied. I filed a claim because I was sold something that was opened, not marked or labeled and could be rat poison.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

Chime Financial ( not a real bank ) has denied a valid dispute for a XXXX and XXXX unauthorized purchase on my checking account. They denied this dispute within 15 minutes of my initiating the claim. I told Chime I was a victim of ID theft. These transactions were online purchases and the card was in my possession. Chime continuously violates federal banking rules and Regulation E by unfairly denying value disputes. There is no way a proper investigation was done in 15 minutes. I am demanding Chime honor my legal right to a provisional credit.
Consumer complaint received 2018-08-09
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 filed for Chapter XXXX bankruptcy in XXXX of 2017. The courts were automatically taking payments out of my payroll checks ( bi-weekly ). For some reason in XXXX of 2017, the courts dismissed my case. My creditors came after me for payment and I settled with most of them. 

My complaint is that I would like for the negative public record to be removed from my credit report. 

The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Can you please check in to this and provide me with an update? Thank you!
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

improper use of a credit report, what is the permissible purpose of this collection filed under my credit report without consent in the amount of {$730.00}, this item was reported on XX/XX/2023, but has now come to my attention after viewing my report.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

I made a pay off payment of my Citi XXXX XXXX XXXX flex loan of {$1800.00} on XX/XX/2024. That was the amount shown when making the payment online. I received new statement on XX/XX/XXXX showing a remaining principle balance of {$15.00} with interest of {$6.00} totaling {$21.00}. The interest rate was XXXX XXXX I called & requested to file a dispute for the added balance after making payment and higher interest amount than it should be. Citi denied my request on XXXX
Consumer complaint received 2023-01-24
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. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2024-05-11
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 (MD)

A bank representative called my daughter at work about two ( XXXX ) weeks ago to discuss my mortgage and due to the fact that her name is not on the mortgage, she asked him to hold on while she conducted a two-way to get me on the line. 

Once I got on the line, he wanted to know if I was intentions on the current home in which I reside, and I stated that I wanted to keep my home. 

He then went on to say that he needed to ask me two questions to qualify me for the Modification process, I said alright. 

XXXX. Do you want to continue to reside in your current home at ( address, city, state, zip code ), and I stated that I did not quite understand what he was saying. My daughter then spoke up and restated the question and said that I must answer each one with a " Yes or No '' response. I then answered that question, " Yes, I want to do all that I can to keep my home. '' 2. If by some miracle your mortgage is made current, would you be able to resume your payments? I said, " Yes, I would. '' After that, he stated that is all of my questions. I then asked him, well, " What are the terms of the modification? He stated that he did not know, but that I would receive an email in a few days whereby i could check the website for more information and that the mortgage company would send me a letter. 

Well, my daughter stated that I did receive an email stating that they were processing the modification and would be contacting me shortly. With this, she went in and created an account and to her amazement she said that she noticed that they wanted me to pay a whopping {$13000.00} for the next six ( XXXX ) months beginning XX/XX/2024, to catch-up the arrearages. She said, she didn't want to get me upset, so she just kept it to herself in the event they were still in the process of calculating the numbers, however, I received a telephone call on Tuesday, XX/XX/2024, confirming what she saw. 

The mortgage company stated that I would need to pay at least {$13000.00} from XXXX through XX/XX/2024 in missed payments. I could not believe what I was hearing. I stated to them, if I couldn't previously pay the lower amount, where in the world do you think, I am going to get this {$13000.00} from? The rep stated, I am sorry this is the best that we can do, I said alright. 

This hurt me to my heart! It was as though they set-me-up for a let-down. They knew I couldn't afford that type of astronomical payment and I feel as though they are using Seniors such as myself as " prey '' in which to feast on with these mortgages to do harm to instead of trying to give assistance to. It's not like they don't have my entire financial history sitting right there before them. 

They have to be something out there for seniors like me!
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MD)

My mortgage lender paid my Homeowners Insurance twice causing a large negative escrow. They have raised my payment by {$500.00} per month to make up for it. I have not been reimbursed for the insurance yet. I requested that they hold off on raising my Mortgage since it was their fault but they declined.
Consumer complaint received 2024-03-18
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: Cedars Business Services, LLC (CA)

Cedar Business Service is in violation of the FCRA. Creditor is in violation of 15 US Code 1681s-2 ( 1 ) ( A ), 15 US Code 1692b ( 5 ), 15 US Code 1692b ( 2 ), 15 US Code 1692c ( a ), 15 US Code 1692d ( 2 ) ( a ), and 15 US Code 1692c ( a ) ( 1 ). I request the removal of this account immendiatly form my credit report. I would like a current update of my creit reort once issue resolved.
Consumer complaint received 2024-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (WA)

When originally the loan was bought from XXXX XXXX I was having difficulty calling in about my account. The automated service made it impossible to get through. I finally snuck in a XXXX before the automation started. The gal I talked to said they would connect my phone number so the automation would go through. Then apparently, since I was previous with this company they've connected the XXXX loans and it had a different email. I couldn't get online anymore and I called in on the XXXX and she said she would contact IT and escalate it to get it fixed. I got a call from her yesterday, the XXXX and she said she would call on Tuesday the XXXX. The only time I can talk with them is Tuesday through Thursday. This problem has been ongoing for almost XXXX weeks. They act like it's not a big deal. Also my information on the other loan was compromised. I want to pay more on my principal and can only pay during a certain the of the month. I created a new account and just got on this evening but I can't pay on my principal for XXXX hours after they take out my payment which they did today. I also got into my previous account and changed my email so it matches with this new one. I decided to try it again and it wouldn't allow me to use my new email only the one on my previous account. I'm very concerned because my information was previously compromised. This company shouldn't be allowed to be servicing anyone 's loan.
Consumer complaint received 2024-05-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Village Capital & Investment LLC (OH)

Village capital is denying us a decrease in interest rate under SCRA. We are in the state of XXXX and my husband is XXXX XXXX so he is entitled to the interest rate reduction. The company is refusing to call us via phone and will only communicate through email. We have provided all of the appropriate information and they just refuse to comply with the benefits he is entitled to.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NJ)

a

m writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. Account Details : BRCLYSBANKDE Account Number : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$940.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC. (MA)

Per as the FCRA as a federally protected consumer I am now Im opting out of any an authorization I theconsumer may have given you written, non-written verbal nonverbal per 15 USC 6802, Family and education, privacy act, 1974 15 USC 1681
Consumer complaint received 2024-05-10
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc. (CA)

I bought a {$120.00} google XXXX  gift card from XXXX a week ago, and when i tried to redeem it, was told that google needs more info before redeeming the card. I contacted support, filled out the form and whatnot, but was told that the team found inconsistencies with my account. Now when I contact them, they tell me that they will escalate the case, but every time, I get the same answer that there are some inconsistencies. I know for a fact that there is nothing wrong with my account or the card. I gave google all the info they need, from pictures of the card, to pictures of the receipt, and their specialist team and support is still giving me the same exact answer. I'm not sure if I can get a refund from XXXX, and I am not really sure what to do, so I'm hoping that you guys can help me be able to use my XXXX XXXX gift card.
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

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 2024-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

I don't understand, Newrez LLC did not cooperate with me in getting California Mortgage relief program state fund, so I sued them in the court ( Please see attached summons and complaints ) Newrez LLC or Newrez were served on XX/XX/2024 ( Please see attached ) Newrez is such an irresponsible Mortgage company, first of all they did not participate in the CA mortgage relief program and on top of that, after suing them, they sent me a foreclosure letter dated XX/XX/2024. 

Please see the foreclosure letter attached. 

This company has no morals and is totally disgusting. 

When I sued them and they are already served, then they can not put my company in foreclosure. 

XXXX XXXX XXXX and XXXX XXXX  has been informed about it. 

Newrez is just harassing me and nothing else
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (CT)

XXXX XXXXXXXX I have no knowledge of it XXXX XXXX XXXX have no knowledge of it XXXX XXXX XXXX, XXXX have no knowledge of it ( 2 ) LVNV FUNDING LLC XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (WA)

I had a XXXX card but it hasn't been open for over 7 years. I recently noticed a collection on my report from a company claiming it was from that XXXX card. i have tried disputing the account with the credit bureaus and asking for the company to provide proof of debt. The collection hasn't been removed and i haven't recieved any verification of the debt. I would like help in getting communication from the company and getting it removed from my credit reports for not verifying the debt and trying to collect a debt that is not valid after the 7 year time period is up.
Consumer complaint received 2024-05-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MS)

LVNV Funding accessed my consumer report without my permission and furnished an alleged debt to the consumer reporting agencies. I did not give LVNV Funding permission to contact me through any medium. LVNV is in violation of the FCRA, FDCPA, and several other laws. LVNV does not have the legal authority to furnish any information about me to any consumer reporting agency. LVNV has not provided me with any documentation proving that I have or ever had a contract/agreement with LVNV Funding, nor have they provided me with proof of a Purchase Agreement demonstrating that they have legal ownership, legal interest, or legal authority to collect the alleged debt. THIS ALLEGED DEBT IS DISPUTED. Their activity is a violation of Consumer Protection Act and others. LVNV Funding is causing me emotional distress. I am losing sleep and I am stressed out.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

This is XXXX XXXX I setup my account XXXX XXXX Today was the first time I tried to use my account a agent help me setup my account.And she said it was good I thought it was me hit close when login out but it wasn't me. I called back and another waited on me and she said my XXXX was removed and when I tap my app my account was already login and the app close, so that agent asked me to create another account and I did so I went and made groceries and couldn't pay for it I login with phone screen lock there was a finger print login and face I'd login and the agent ask me for my digital card and put me on hold for about 3 minutes and now no groceries and everything is gone off of the card
Consumer complaint received 2024-03-18
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. (GA)

I received my consumer reports and noticed that I have one late payment on an account that I've never been late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I've never been late on payments for these accounts that I've attached screenshots inside of this complaint and on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to reflect paid as agreed on time as they should be due to the fact I was never late. Please see attached screenshots. 

Thanks!
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (VA)

On XX/XX/2021, {$1700.00} was request from Discover Bank. According to article 15 USC 1681 ( b ) I never gave authorization or approval from this company to report anything on my consumer report. 15 USC 1692 ( g ) Me being the only original creditor, I am the only one that can validate a debt and I have asked for all of the document 's multiple times. Your bureau is unable to provide any documentation and I will continue pointing out violations. According to 15 USC 1692 ( k ) Except as otherwise provided by this section, any debt collector who fails to comply with any provisions of this subchapter with respect to any person is liable to such person in an amount equal to the sum ot-in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} I want this removed off of my consumer report as I was unaware of the fraudulent activity taken place at the time, however now that I knowledgeable that I am the only original creditor and you guys have been credited. This is violating my privacy and I demand this be taken immediately according to 15 USC 1681 ( a ) lt is my god given birth right to privacy and act accordingly.
Consumer complaint received 2024-05-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Ascendium Education Group (NE)

I attended in late XXXX, and partly in early XXXX. I found out I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would never be able to finish. I attempted to go to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I realized I was lied to, they tacked on more to pay, yet I paid anyway because I didn't know what to do, from XXXX to XXXX. I had a bankruptcy and haven't been able to pay since. I have applied to have them XXXX on XX/XX/XXXX. I haven't had any information or change since. I would appreciate some forward stance about the loans status of discharging. Thank you.