davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. I CHECKED MY CREDIT REPORT XX/XX/XXXX AND NOTICED THESE HARD INQUIRIES ON MY ACCOUNT. THESE ARE NOT PERMITTED BY ME. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. I REQUEST TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY UNDER 15 U.S. Code 1681c2 - Block of information resulting from identity theft DISCOVER XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX THANK YOU
Consumer complaint received 2023-11-24
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (MD)

1, XXXX continued to bill me for XXXX & XXXX, with a total of {$99.00}, after " request to disconnect the service '' was made in the XXXX of 2023 ; 2, On XX/XX/2023, I contacted XXXX to correct this mistake and was promised by XXXX 's XXXX chat agent that this balance shall be waived. This conversation was recorded in XXXX 's Chat Log : XXXX ; 3, Instead of acting on promise, XXXX kept sending bills until XX/XX/2023 when I contacted XXXX again. The same promise as in XXXX was repeated, and I was told to rest assured, as evidenced in Chat Log : XXXX ; 4, Once again, rather than acting correctly as XXXX has promised twice, XXXX hired Debt Corrector, Waypoint, to collect from me the false balance of {$99.00} ; 5, After being provided the screenshots of XXXX 's above promises in XXXX and XXXX, Waypoint told that this collection account will be closed. 
6, However, now XXXX hired another collector, XXXX, to repeat the same harassment Please see the attached screenshots for evidence that this wrong balance of {$99.00} has been promised twice by XXXX 's customer service to be corrected to {$0.00}
Consumer complaint received 2023-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC (CA)

Please help me. 
My loan was sold to XXXX XXXX XXXX and they use LoanCare , LLC to service their loans. I received emails and a letter on different dates from LoanCare that nothing will change, relax and we will handle everything. They did not withdraw my XXXX payment, even though they sent emails on different dates, constantly changing when they will withdraw. Even their letter had a date of autopay l but they didn't. One agent said maybe we tried to but there was insufficient funds and I said how dare you!!! There was never an attempt and I have all these emails from your company changing the dates of autopayl!!! Then customer service said they will withdraw on XX/XX/. I said no, I want to pay for XXXX in XXXX and XXXX in XXXX... so I paid online via their website on XX/XX/. The same day, XX/XX/ I received an email that they paid my property taxes on XX/XX/XXXX 

I also want to mention that all their emails say nothing will change with your loan. But they changed the autopay date to XX/XX/. When I called and said why would you do that when my payments were always taken on the first of each month with my original loan company, the customer service rep changed it to XX/XX/, but doing this they said may have screwed up the system. Again, they are the ones who changed dates... 

Then I tried calling them and there was a recording that their website was compromised. A day later they had a different message. Next day I finally got through but agent said they were hijacked and have no info on me, my loan, anything. This is a week now and the website is still down and customer service has no info such as if they will be able to withdraw my XXXX mortgage or when. They can't even take it over the phone because they don't have access to my information. 

Then I called the Tax Assessors office today and automated said my tax bill is due on XX/XX/, which means they did not receive my payment that LoanCare , LLC said they paid. 

If for some reason my tax payment is not received by due date I will pay again, which will hurt me financially but I have no choice. 

I am scared that my mortgage will be delinquent if I have nowhere to pay it. I don't want to lose my home. I am like all Americans trying to hang on to what we have and I feel like I am being taken. 

LoanCare , LLC would not give me a phone number for XXXX XXXX XXXX. I can't find it online. I found some info on XXXX. I don't see a phone number there either. 

Please help me. I have read bad reviews about LoanCare and now there is a XXXX page where people are in the same situation as me and we are all scared and frustrated. 

Thank you.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022, I made multiple payment to Capital one bank for my credit card account. 

On XX/XX/2022, I made a payment to capital one for my credit card account. 

On XX/XX/2022, The payment was posted and received by capital one bank. 

On XX/XX/2022, I find out my available credit didnt update to my account so I made phone call to capital one, asking whats going on, the answer I get from the bank is because I made many payment to my account on XXXX, so the bank will hold my available credit until XX/XX/2022, which over a month, even the bank has received my payment. And no one can answer why and whats the reason for that, because thats over billing cycle, its like a punishment for I make multiple payment within 1 months and froze My account.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (KY)

Banking Institution : Wells Fargo. 

Summary : Debit card and iphone were both stolen from me in the early hours of XX/XX/23 at a bar in XXXX, GA. The following day, I went to a nearby Wells Fargo branch and discovered that whoever stole the card spent roughly $ XXXX in fraudulent transactions. I immediately filed a fraud claim with the banker onsite. After 10 business days I called the claims department and re told my account of how my card was stolen and they stated that they would update my file ( nothing changed from original story. ) A few days later I received a letter in the mail ( attached ) that my claim has been denied. After two more phone calls to members for their fraud team, they refused to even state a reason why the claim was denied. I did not authorize these transactions and Wells Fargo states that their customers are not liable for fraud.
Consumer complaint received 2023-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The applicable provisions of the Fair and Accurate Credit Transactions Act of XXXX ( FACT Act ), XXXX. XXXX XXXX XXXX XXXX. XXXX, shall be effective in accordance with the following schedule : ( XXXX ) Provisions effective XX/XX/XXXX. 

I have already disputed these items with the bureaus, but they did not remove, nor prove validation. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX  XXXX account # XXXX XXXX account XXXX XXXX,
Consumer complaint received 2023-10-11
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. (AZ)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15USC 1681 section 602 states i have the right to privacy 15 USC 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2023-09-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (TX)

I have made several attempts to contact Affirm regarding the loan they have continuously charged me for in regards to a purchase I have made on XXXX. The return was initiated on XX/XX/XXXX and XXXX confirmed they have received the items on XX/XX/XXXX. After several phone calls going back and forth between XXXX and Affirm, I was asked by Affirms customer care to send the proof to their email on XX/XX/XXXX. On the same day, I have sent Affirm an email with attachments showing proof of the return as well as my conversation with XXXX again confirming that they have received the items. They have taken a total amount of {$200.00} for items I no longer have and have yet to even refund me my money. It has been almost a month of no communication from their customer care since I have sent the email and almost two months total of Affirm not refunding me and I shouldnt have to wait this long to get my money back.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX my debit card was used to make two identical unauthorized charges of {$120.00} each ( total {$250.00} ) at a XXXX at XXXX XXXX  XXXX When I noticed then I flagged them and started a fraud claim with my bank. They put temporary funds back in my account while they ran an investigation. Recently I received a letter stating that this temporary funds would be reversed because their investigation had concluded that this were in fact valid charges. When I called to question this I was told that because this were both swipe and pin charges there was nothing they could do and were in fact valid. My card has been with me the whole time and I do not live any where near XXXX, I live 4 hours away. They stated that unless I have documentation stating I was not at XXXX on the day of the charge there is nothing they can do. Oh and that they had sent me a text to my phone flagging this charges as fraud and I had approved them. First of all, I never received such texts nor did I approve. Second of all I was home most of the day because my XXXX were sick and only went to the grocery store in the afternoon to make a purchase ( approximately 6 hours after the fraudulent charge according to the representative ). How do I prove that I was home most of the day and never left the city where I live. And finally, its been well documented that in fact scammers can clone your card and steal your pin to use it, so this is not an excuse. Just looking at my transaction history you can see I have only been near XXXX once in my life on a trip back in 2020 to XXXX but there is a trail, why would I go specifically out of my way 4 hours away from where I live to make two identical charges of {$120.00} each at a XXXX none the less ( this should be suspicious enough ) and then come back to where I live and make a smaller charge at a grocery store.
Consumer complaint received 2023-07-27
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-25
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)

Account NoXXXXXXXX  I called and sent multiple messages to newrez regarding extending my forbearance for three more months, the only thing I'm getting is drama, the phone customer service is of no use and I'm still in dilemma right now, my XXXX haven't paid the rent, I don't have the money right now to pay the monthly mortgage, plus I got covid in last year XXXX so I need three more months of forbearance.
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have been disputing this collection account on my reports with Midland credit for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX  XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act, Bankruptcy XXXX XXXX # XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NY)

I just activated my new Credit card ( Fortiva ) And understand there is a yearly annual fee. XXXX $ on activation day, and XXXX $ yearly thereafter. However, in the Setup and Maintenance Fees portion, it says NOTICE : The annual Fee will be assessed before you begin using your credit card and will reduce the amount of credit you initially have available. Based on your initial credit limit of {$700.00}, your initial available credit will be only about {$520.00}. You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject the plan, you will not be responsible for any fees or charges. So I called up fortiva telling them I hereby do NOT agree and reject the plan for ONLY the 1st initial annual fee of {$170.00}, which it says I can reject and not be responsible for any fees or charges. So I fulfilled both requirements, not using my account or payed any fees after the first billing cycle. Fortiva told me that If I reject the annual fee of XXXX $ ( which it explicitly says I can reject and not be responsible for ) that it means i want my account closed. I asked where it says this explicitly in the Cardholder agreement and this is what they said, It does not say tht explicitly. it means if you reject, you agree to have your account closed, if you reject the initial annual fee of XXXX $ ( NOT the {$49.00} annual charge. i am only disputing the XXXX $ setup fee. ) oh well sir it does not say it explicitly, that your account will be closed if you reject the initial assessment annual fee of {$170.00}. They really said that. So it should say it explicitly if that is the case! If you need any further clarification please let me know thanks.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (FL)

Consumer has sent multiple verifiable emails to company asking for payment arrangements, company is slow to respond or doesnt respond.

Consumer was finally able to reach company to make payment arrangements, consumer is paying loan, company has negative marks on consumers credit report stating charge off when consumer is paying loan after finally being able to reach someone.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AZ)

On on XXXX XX/XX/XXXX I deposited a check for {$36000.00} to my ROTH IRA account. I was told that it would take 2 business days for the check to clear but after 6 business days the check had not cleared but had been recalled by the issuing bank because of a miscommunication between myself and the check issuer Navy Federal Credit Union subsequently froze my checking, savings, money market, ROTH IRA, debit card, credit card and online account access for supposed suspicious activity. I received an email from them on XXXX XXXX about this I called Navy Federal Credit Union Security people they were rude and told me they suspected i was being scammed and would not let me provide proof otherwise and froze all my accounts. I contacted the attorney that is representing the funds owners the provided a legal deposition/affidavit filed in the State of New York , Supreme Court , Appellate Division , Third Judicial Department on Friday XXXX XX/XX/XXXX, my accounts are still locked. This is the second problem with taking way too long to resolve issues on XXXX XX/XX/XXXX by bank account information was Phished and it took them on XXXX XX/XX/XXXX by bank account information was stole/phished/spoofed and it took them in excess of 42 days to return money stolen from my accounts
Consumer complaint received 2023-11-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (FL)

The CFPB does not assist with helping consumers. COMPLAINT ID XXXX you allowed this company to provide a response to my claim and closed the case without any review of the information they provided. They might as well have submitted a stick drawing. I am writing in response to your recent communication to the Consumer Financial Protection Bureau ( CFPB ) where you stated that you mailed a Right to Cure letter and a Final Response letter to me. However, I did not receive these letters, and I am deeply concerned about the discrepancy between your claim and my actual experience. 
In addition, it is evident that the validity of the letters you claim to have sent is indeed questionable. One significant portion to support my claim of NEVER having been sent these letters is the lack of information regarding the repossession process. From these submitted letters, you can determine that I was NEVER informed about the location to which the vehicle was sent, the entity responsible for the repossession, or the steps to retrieve personal items from the repossessed vehicle. Furthermore, there is no mention of the auction details, including the location, date, or time of the auction. Calling you for this information does not satisfy the requirements of the law. Had you sent these letters, however, I would have known that calling for this information was an option. 

The other notable item is you stated you repossessed the vehicle on XX/XX/2023. That is the date on the letter you provided in the Fraudulent " Notice to sell the vehicle letter you provided. '' What are the chances you wrote me a letter on the same day you repossessed the vehicle? 

These critical omissions raise doubts about the true existence of the purported letters prior to the CFPB being informed of your improper handling of this matter.
Consumer complaint received 2023-08-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (WI)

Upon seeking line of home equity, we found that on the deed is a statement and code Quicken/ Rocket Mortgage XXXX, Says it is closed but not satisfied. I have reached out to them with no success. They say they can not find any account. We used my SS # and that of my late husband. I contacted my current mortgage XXXX XXXX as well as XXXX. No one has answers and blame each other. I have spent a week or more talking to these people. this all happened when they sell your mortgage to others which is not fair to the consumer.
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mechoopda Indian Tribe of Chico Rancheria (GA)

Believe this is Illegal loan in XXXX of XXXX XXXX is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requ.ested to stop further ACH payments from my account. Notified local XXXX 's office
Consumer complaint received 2023-11-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Data Search NY, Inc. (TN)

I reached out to XXXX about a status change on my credit report which shows the loans have been written off. I spoke with the XXXX representative XXXX XXXX XXXX around XXXX and requested info about the write off status and he confirmed that the loans were written off and went into collection with a law firm that serves as a collection agency named Trak America . I requested the bill of sale, 1099 form for the written off amount, any documentation on the write off, and a copy of the signed contract for the alleged debt. I am currently awaiting this information. 

I have never received any information from XXXX XXXX Trak America as this call was the first I have heard of Trak America. 

I am making a request from Trak America for the following : This is not a request for validation of debt or any alleged debt but rather proving where you got my information and what you believe entitles you to collect any debt or alleged debt from me. 

I am not asking for verification of debt, statements, or any account information. Trak America is not to communicate with me directly nor indirectly with the attempt to collect any debt or alleged debt.