davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (FL)

Mobiloan should not be allowed to conduct business in the United States. This company is a Predatory Payday Loan business where the consumer is charged over 150 % on a loan. For example, one borrows {$1500.00} and is charged an upfront fee of {$150.00} to do so and given XXXX weeks to pay in full prior to incurring an astronomical " fixed '' daily finance charges. Even though the company 's representatives ( XXXX, ext. XXXX, among others ) state that it 's a daily fixed rate they never give direct amounts. I have heard about predatory lenders like Mobiloans and tried it for myself and can not believe that the Consumer Financial Protection Bureau lets them get away with " ripping off '' consumers who need short term financial assistance. This is disgraceful and I hope that CFPB is not just a Government Agency to ignore this predatory behavior and will get to the bottom of this on behalf of consumers having financial difficulties and do not take the time to read the fine print. Mobiloans can make a profit but not over 150 % to the consumer. Mobiloans , LLC with a physical address of XXXX, LA XXXX.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2024, the amount of {$3800.00} dollars was deposited into my account by check in a branch office to purchase a XXXX item. The person making the purchase and deposit is in another city and making the purchase remotely. The person who deposited it only had to send XXXX, so they then requested that I return what I had sent extra, and so I did. by means of electronic transfer, at the time of doing it the money appeared as available funds in my account but then the same amount that that person had sent was returned to him, that is, the amount of {$3800.00} and he also received the amount of XXXX that I had already sent, thus leaving my account in negative since I had already sent them money and did not have sufficient funds which to cover that transfer made by me. I then brought this to Wells Fargos attention and asked why they would make funds available and then remove them if the deposit was made before XXXX and then rejected on the same day. Also, I have not given authorization to Wells Fargo to allow for overdraft of my account if I do not have sufficient funds. Wells Fargo said that they allowed her to send the money because the funds were available at that time but that after the account was reconciled overnight the deposit was returned unpaid. They then told me that they had no responsibility in the matter because the transaction was authorized by me and because the transfers were done when there were sufficient funds.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/2022, Wells Fargo closed all my accounts including checking, savings, and credit card. In addition, WF also made a cash advance in excess of {$10000.00} to cover the overdraft protection of the checking account.

The overdraft was caused by WF accepting a deposit of {$48000.00} and subsequent wire transfers that were made based on WF accepting such a high dollar amount without putting the deposit on hold for any time. The deposit was based on a checking account made from a bogus XXXX XXXX  account made in my name and without my permission by XXXX XXXX XXXX from XXXX. I wrongfully assumed that I was merely added as a user for the phony XXXX XXXX  account. As of this date, Wells Fargo has not taken any responsibility for accepting such a large deposit without first putting it on hold. In addition, WF is contacting me about a settlement of a chargeoff of {$38000.00} which is for the {$48000.00} minus {$10000.00} that WF took from my checking, savings account, and a cash advance from my WF credit card. 

Recently, I have accepted that I am a victim of a financial scam and have filed a report with the XXXX XXXX Police Department on XX/XX/XXXX, and am awaiting to be contacted by the detective in the financial fraud department. 

I also wrote a letter and sent it by USPO to XXXX XXXX, Financial Fraud Manager for WF. Any previous contact with WF has not been satisfactory to this very day.
Consumer complaint received 2023-02-22
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: NRA Group, LLC (FL)

Please produce Original contract for said debt {$760.00}. XXXX XXXX XXXX XXXX XXXX XXXX is a fraudulent company on my credit report please remove immediately acct opened XXXX I have googled to call and settle debt its complete fraud. Please remove immediately
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (AZ)

I was supposed to be in forbearance due to still XXXX XXXX, but I have been taken out of forbearance status and into repayment, I have submitted documentation that I am still in XXXX  and it has yet to be processed and this was over a month ago. The provider is saying I am still liable for the amount due while they do their research.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting this CFPB complaint to you today to request to you, once again, to remove the negative description that you report on my Credit File. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. Also, you have been failing to send me copies of verification or documents resulted from your investigation, and yet you continued to report these accounts as verified which is a clear violation of my consumer rights. I need you to remove the negative marks from the accounts or completely remove the disputed accounts.
Consumer complaint received 2024-04-22
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: SELECT PORTFOLIO SERVICING, INC. (IL)

My name is XXXX XXXX XXXX I lost my job XX/XX/2023, XXXX of 2023 I was back at work and I want to state that I want to keep my home. I paid {$5000.00} in XXXXXXXX XXXX XXXX I was told to apply for mortgage assistance program which I did and they approved me and Select Portfolio Servicing wanted me to pay {$5200.00} a month and I explained I would not be able to afford that amount. I told my relationship XXXX I wanted to make a {$9000.00} payment to get that monthly amount down. My relationship XXXX said I could cancel and reapply and I was told that may lower my payment, I made the {$9000.00} payment and cancelled the old assistant program agreement. Now Select Portfolio Servicing is telling me they can not and will not work with me to get my mortgage current. I have more money that I want to pay but Select Portfolio Servicing is telling me the only thing I can do is make a full payment.
Consumer complaint received 2021-01-04
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. (IL)

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action.I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2023-06-28
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. (PA)

In accordance with the Fair Credit Reporting Act. this list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : 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 written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 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 accurate.
Consumer complaint received 2023-06-19
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. (AR)

This is my complaint to inform you that I am a victim of identity theft. I found certain items in my file resulting from the crime. Please have this investigate and have this items be deleted on my file as fast as you could. The items I am disputing do not relate to any transactions. Based on FCRA Section 605b, It was the responsibility of the XXXX credit bureaus to remove some inaccurate information which are not belong to the owner. These following items should be deleted as they were fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (TX)

CREDIT CORP SOLUTIONS attempting to collect debt not owed to company. I have attempted to contact this company numerous times via phone, letter and still refuse to remove debt from my credit reports. This company is stating I owe them {$940.00}.
Consumer complaint received 2024-04-22
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NJ)

NetSpend Skylight One had blocked my card due to suspicious fraud that is system-based. I had indicated numerous times via phone that I have been in possession of the card. In addition, it is impossible for fraudulent transactions to have taken place. A representative indicated when I called that it is system-based. I had received the link for their verification process. However, their link had demonstrate an error. Please find attached the error when attempting to access the link. I requested numerous times to please remove the restriction. I am filing a respectful complaint because the business is not complying while their system demonstrating the presented error. I seek for the restriction to be lifted upon complaining and without going through the verification process.
Consumer complaint received 2017-03-08
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

To Whom It May Concern : I asked for a mortgage from Wells Fargo for refinancing purposes. It not only took 5 months for them to review and look at the documents even I was warning them the time was passing ( their employees are not aware of what each other do ), they did mistakes when submitting the loan requests and restarted the process therefore ... After all these mistakes, they tried to charge me fees to extend my mortgage rate lock every 15 days. I said that they may not move so slowly and charge another {$250.00} every 15 days to keep the rate locked. Then they threatened me with canceling the mortgage process if I do not lock the rate. 

I also said I will not pay for any appraisal costs until my file is approved. I said the appraisal has to be done last in the process, so I do n't pay appraisal fee for nothing. They not only charged me the appraisal fee of {$670.00} ( which is outrageous for a condo appraisal anyways ), but also pushed me to pay {$250.00} extra every 15 days to extend the rate lock. Then I said that they need to refund my appraisal fee and I will not proceed. Then they said they found some XXXX being mentioned in the condo association document. This is why they will not do mortgage. This is an old condo from XXXX in XXXX and there are so many other condos financed there. I said that is fine that we do not move with the process after 5 months and asked them to refund the appraisal fee charge. I have all the emails and conversations recorded. 

The issue is : 1 ) Well Fargo may not push the customers to pay {$250.00} every 15 days to keep the mortgage rate to be locked if the customer says 'Let it float until we close ''. They are doing deceiving practices and abusing the consumer. Their initial Fair Faith Mortgage Cost Estimate document did not match what they finally sent to me due to those lock rate extension fees. 

2 ) If the customer asks that appraisal fee will only be done after all the process is completed to make sure everything is approved, they may not charge my credit card without my consent as I know they play these tricks. I clearly said the appraisal may only be done as a last step in the process ... 


You need to help me to penalize these guys who take advantage of the customers and run like wild West. I will sue them. Thanks! 

Regards, XXXX XXXX
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I requested information and sent a certified # XXXX mailed on XX/XX/XXXX and delivered on XX/XX/XXXX to the XXXX XXXX. 

1. Original Contract 2. Full Payment history 3. Notice of Default 4. Notice of Sale 5. Explanation of Calculation of Surplus and Deficiency 6. Notice of Retrieval of Personal Property
Consumer complaint received 2023-06-29
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. (CA)

I have checked my report and saw accounts appearing that I am not aware where it came from. I have filed an Identity Theft complaint attached to this complaint. Below are the accounts apearing. 

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 XXXXXXXX
Consumer complaint received 2023-05-23
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. (VA)

TransUnion is reporting different information and the credit scores are extremely different. This is also a violation of the Fair Credit Report Act. Each credit reporting agency has a responsibility to report accurate information. Also, XXXX is reporting my actual monthly payment that I pay to several of the creditors. This is a violation of the Privacy Act of 1974. The payments are not matter of Public Record and should not be published as a part of the report. ( Please see attached ) In accordance with 15 USC 1692 C ( b ) without prior consent of the consumer, a debt collector MAY NOT communicate about the collection of a debt with any person other than the consumer, and by providing my credit information to anyone inquiring, other than the originator, which you have done, you are in violation. And the originator has this information therefore there is no reason for you to publish it. 

My Credit Report has a lot of Promotional Inquires. My information is reported on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX 15 USC 1681e states. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports lists under section 1681b of this title. ( Please see credit reports )
Consumer complaint received 2024-04-22
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: Nelnet, Inc. (NV)

I sent a letter to Nelnet letting them know that my school loan was a violation of 34 CFR Part 99, FAMILY EDUCATIONAL RIGHTS & PRIVACY. NELNET has violated my Right to Privacy which they have looked over and continued to report on my credit profile a debt. I told them in XXXX that this debt was discharged. I filed a 1099-C to cancel out the debt, which the IRS accepted on XX/XX/year>. They have yet to update my credit report as amount in full. 

I would also like the CFPB to know that I have done my due diligence and was made aware that when I applied for this school loan, I signed a promissory note. Now on that promissory note, it contained my signature, which gave that note value. The note was processed as a security to be deposited to the treasury for complete payment of the loan. XXXX XXXX XXXX processed that security and was paid from my account. Also, they would trade this security on the secondary market over XXXX times, making trillions off my signature. NELNET is now asking for the amount of XXXX as they are now doubling back to get more money from me, when they were already paid once I signed my signature. Now as an investor I was not compensated my XXXX  % according to Securities Exchange for trading my security on the market as a security now where is my money owed to me. NELNET sends me a statement every month which is a book entry security which is evidence of a bond. Now NELNET wants unlawful money paid to them in Federal Reserve Notes. I can not pay you in FRN 's because that would not settle the debt. However again the debt was paid already by my signature. 

If this loan is not settled for the full amount, I will notify the SECURITIES EXCHANGE as a whistleblower, of how you have stolen my Securities and have not compensated me for them. I will also have to notify the IRS that you have filed a 1099 on me every year. I have filed a 1099-C and the loan is a certificate of indebtness, it can not be reported on your credit because the debt was cancelled. Please update my credit profile to the loan was paid in full and delete all negative marks associated with this account.
Consumer complaint received 2023-06-23
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX