davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

The Servicing Company to my mortgage - Nationstar Mortgage is attempting to illegally foreclosing on my personal property by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Nationstar Mortgage failed to complete a review of my loan modification submission and request for relief. In addition, they have failed to offer any alternative to foreclosure programs like short sale. Nationstar Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for me. They have mishandled my documents and file several times and failed to properly communicate with me throughout the process. They simply violated HBOR specifically under the " dual tracking '' clause. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. I ran our financials on the Nationstar Mortgage and Know Your Options website and the result was that we are eligible for a loan modification with a lower payment to save our property. See attached documents. So there no reason why Nationstar should denied our request or foreclose on the property.
Consumer complaint received 2023-06-06
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. (IA)

" 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, not later than 4 business days after the date of receipt '' Company is in violation of this
Consumer complaint received 2023-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX Account XXXX With the lender Capital One, has violated my rights. 
15 USC 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 instructions.

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 any purpose.
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I received the following email from PayPal , Inc . I had paid my water bill ( XXXX XXXX XXXX ) in the morning ( to show the innocuous use of this account ), and received a rebate payment from a different company in the amount of {$790.00} later in the day. This PayPal account has been active since at least XXXX, and I have done business with them without a problem since the XXXX. 

" You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. 

Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. 

Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below zero, then you will also need to settle the amount owed to PayPal to avoid further action. 

Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page. '' My funds have been seized without a reason, and without authority. I have done nothing wrong or illegal. I'll avoid doing business with them ever again, but I want the funds that they have illegally and without adequate explanation retained.
Consumer complaint received 2023-05-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

Complaint after complaint, with Wells Fargo, only to be lied to over and over! 
In XXXX we began making house payments. I have shown you over and over that because of the illegal actions by Wells Fargo and companies. Receiving foreclosure notices by the second payment. XXXX alone in XXXX of XXXX. 
The 2005 statements that are all different and payments made to Wells Fargo! Im complaining about the payments that started disappearing from month to month. From XXXX we have sent on enough to prove that we have been the victim of Wells Fargos illegal actions from the first payment. To the loan modification that in one month we made 3 separate payments! When will Wells Fargo actually be help accountable for all the years of blatant theft fraud and knowingly continuing the illegal actions until XXXX or later? I have sent in proof of the amount of payments we made that just disappeared.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$210.00} {$210.00} {$100.00} XXXX XXXX : {$100.00} {$100.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity. 
Closed or paid account/zero balance Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

Dear Official, My name is XXXX XXXX and I am an American express loyal member. I am writing this with great hope that I will get some help. 
I started using Amex credit card since last year. I booked my air tickets for XXXX in business class in XX/XX/XXXX for travel in XX/XX/XXXX using Amex travel benefits. I was all set for my trip but when I checked my tickets before travel, it showed that my tickets and my hotel reservation was cancelled. I did not get any notification prior to cancellation nor refunds. I called Amex customer service, they were clueless about this, they had no idea what had happened and why were the tickets cancelled. 
The only option I was provided was to buy new tickets which were more expensive I had to pay {$900.00} extra and that too not in business class, in economy premium. They said that we investigated the case and its due to fradulent activity which they are not responsible for. 

This is very disappointing, the only reason i became a member of Amex was their travel benefits. Now it seems a scam to me. 
The customer service is not helping at all. Nobody has helped me in solving this issue. The worst part is, I wasnt informed at all. I didnt expect this from a highly reputed company. 
On the otherhand, When I spoke to one of the customer care service representative regarding my hotel reservation cancellation and requested them to find out what had happened they lied to me saying that they are not able to contact the hotel.Later they called me and said we can give you courtesy XXXX $ for inconvenience which I refused to take. At this moment, i would expect that Amex should feel responsible for the loss I faced including the cancellation of my tickets without informing me with no refund issued. Even if its a fradulent activity, they should be aware of it and should compensate/share the loss with me. 
Thanks in advance. 

XXXX XXXX Amex credit card # ( last 4 ) -- XXXX. 
Trip ID XXXX.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: G&P Enterprises, LLC (CA)

Your submission, [ Case number : XXXX ]. I need to make a correction to the addresses that I provided. In my rush, I made to XXXX typos. 

Complaints against : Allied Trustee Services - the correct zip code is XXXX. 
XXXX XXXX XXXX - the correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
I have followed up with XXXX additional letters to these companies. They want to argue that their actions have been approved in court. I am requesting an accounting of all of their fees and I feel that I am entitled to this as a consumer, These fees are not in the court documents. I am attaching my last XXXX correspondence with them. 

XXXX XXXX sent Allied Trustee Services on XX/XX/XXXXRE : XXXX XXXX XXXX - XXXXThis is to acknowledge your letter dated XX/XX/XXXX that included a copy of the court order dated XX/XX/XXXX. Unfortunately the public records and your response does not provide answers to my questions that I have a legal right to have as a consumer. Once again, I request that you provide the following : date this debt was referred to your agency the initial amount of the debt referred to your agency itemized list with dates and amounts of interest charges that your agency has charged. 
itemized list with dates and amounts of attorney fees andthe reason for the legal fees that your agency has charged your written credit/collection policy ( Allied Trustee Services ) on interest rates and fees that your agency implements. 

Sent to XXXX XXXX on XXXX XXXX, XXXX : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX, CAPlease send me a copy of the lastest invoice for the condo at XXXX XXXX XXXX # XXXX XXXX, CA listing all charges incurred before you forwarded the debt to the attorney and/or collection agency. 
I would like a detailed invoice listing the following : date you referred this debt to the attorney/collection agency debt amount that you referred to the attorney/collection agency an itemized list with dates and amounts of all interest/late charges start date and end date of charges itemized list with dates and amounts of attorney fees and the reason for the legal fee documentation of XXXX XXXX 's agreement noting credit for his payment arrangements your written credit policy on interest rates and fees
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (CO)

I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) from a private seller on XX/XX/XXXX via a loan from XXXX XXXX XXXX. 

On XX/XX/XXXX I woke up and the vehicle was gone from my residence. I tried to file a police report assuming it was stolen and the XXXX was ran and came back as repossessed by Ally Bank. 

I have no connection to Ally Financial, nor does the seller. They have offered zero help and have just taken my vehicle with zero notice or warning and now XXXX is asking for the money they lent out back. 

I am up to date on all payments and did not do anything to warrant a repossession of my property, nor was I warned of this happening. 

It may be important to note that the person I bought it from purchased this vehicle from an auction by the XXXX XXXX  XXXX. 

The vehicle DOES have a lien on it from Ally Bank but it does NOT involve me or anything I have done so I was hoping they would help me and they have offered nothing. Now I am out a vehicle and potentially money I dont have. 

Ally should be held accountable for taking my vehicle from me.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/year>, I received an alert from XXXX about a credit card, I then received an email saying that I was approved for a credit card from XXXX XXXX XXXX. I never applied for a credit card with them. I called XXXX and they called XXXX XXXX with me on the line and I disputed with the bank they did see where the card was going to be delivered to another address that is not mine. XXXX XXXX did stop the card from going out. My problem now is the hard inquiry on my credit report that TransUnion is reporting. I tried to dispute online but was unsuccessful it is saying I have an online account but I can not get into it online. I then called and I was told I need to report to FTC first and get a report and then mail it to TransUnion along with a copy of my driver 's license or social security card.
Consumer complaint received 2023-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is doing what I expected them to do when you give them the license to contact affected parties regarding loan modification denials, etc... I have spoken to more than one person and I keep getting asked to supply documentation. XXXX, XXXX Wells Fargo said there is no record of me requesting a modification. They said that all of my payments were processed when they were received and there is no record of them delaying receipt of payments to charge late fees. My attorney sent documentation via email and fax only to be told there is no record. Why do I have to be responsible for proving that Wells Fargo has been a bad actor. I have submitted numerous complaints regarding Wells Fargo and their practices as my mortgage servicer. XXXX, XXXX, XXXX. When the CFPB fined Wells Fargo, I was told that they were giving Wells Fargo the opportunity to reach out to the affected parties which is inherently a conflict of interest. Wells Fargo has corresponded and acknowledge the misapplication of mortgage payments. Wells Fargo has violated Federal laws and did not apply my payments when received in order to charge late fees. Wells Fargo sold my mortgage to an XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) masquerading as a mortgage servicer ( XXXX XXXX XXXX XXXX ) who failed to verify the debt information received from Wells Fargo ( which was inaccurate ). I had an attorney send a request for verification of debt which they did not answer and moved forward to file for foreclosure although I only owed {$1200.00} at the point they assumed the mortgage from Wells Fargo. XXXX They cited that Wells Fargo gave them my records that showed I owed 5 times that amount. I have called Wells Fargo regarding the recent ruling from the CFPB and why I have not been contacted. Why would the CFPB expect the company that broke the law to now contact all affected parties and make them whole. As of today neither the CFPB, nor Wells Fargo has not contacted me regarding the matter.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (NY)

A loan open in XXXX XXXX was repossessed car was sold to me at an outrageous financial rate and a car that was crashed and presented as new. I was scammed with this vehicle and they would n't resolve anything when I came to find out shortly after I was denied help. I have contacted Santander in regards to what they state I owe which should be nothing as the car was n't worth nearly half what it was sold to me for. I ask they remove this negative account and leaves alone.
Consumer complaint received 2023-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MA)

HERE 'S THE PROBLEM : Rocket Mortgage has sold the servicing of my loan in spite of declaring on my CFPB Loan Estimate form that they intended to service my loan. 

EVENTS : On XXXX XX/XX/2023, I received and email from Rocket Mortgage notifying me that my loan servicing was being sold to XXXX. M On XXXX XX/XX/2023, I called Rocket Mortgage, and submitted a copy of my CFPB Loan Estimate that Rocket Mortgage generated for me when I was refinancing. 

The CFPB Loan Estimate shows the same Loan ID # as my mortgage. 
At the end of page # 3, the CFPB prompts the loan originator to select 1 of 2 intentions for servicing the loan. The options short and concise. They are : 1. " We intend to service your loan. If so, you will make your payments to us. '' 2. " We intend to transfer servicing of your loan '' Rocket Mortgage selected option # 1. 

I confirmed this intent back when I was refinancing. I ALSO confirmed this on the original note, when I selected Rocket Mortgage as my loan originator over a competitor who did not intend to stay on as a loan servicer. I valued continuity and have heard about disorganized transfers of servicing, so I chose ( and chose again! ) to work with Rocket Mortgage. 

On XXXX XX/XX/2023, Rocket Mortgage had someone from their XXXX XXXX call me back. I stated very clearly that I wanted to stay a servicing customer of Rocket Mortgage and that I did not consent to the transfer-of-servicing. I was told it was happening anyway. I asked if they would ask XXXX to reverse the transfer. The representative said they could not. The representative offered that they would share my complaint with others to initiate a potential review of how this section is filled out for other customers, in the future.
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KS)

Venmo is insisting I owe for an unauthorized charge. Venmo complaint ID XXXX for transaction XXXX XX/XX/21. They stated that my claim was denied XX/XX/21, but they did not explain why I would he responsible for an unauthorized charge.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (FL)

My credit card company processed duplicate transactions for 2 separate transactions. I tried to resolve the issue multiple times with their customer service department, but their system disconnects me. 

I attached a screenshot showing the 4 transactions on my online portal and I also attached the statements showing 2 transactions. The transactions were to a company called XXXX XXXX. See the attachements.
Consumer complaint received 2023-05-29
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. (MO)

Account # XXXX XXXX XXXX XXXX ( Original Creditors is XXXX XXXX  ) This collection account is reporting as Open and that is illegal and hurting my approval chances. 


XXXX XXXX XXXX Account # XXXX This collection account is also reporting as open and is illegal
Consumer complaint received 2023-05-30
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. (TX)

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. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX, has violated my rights. 

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 2023-05-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Hundreds of dollars of late fees charged by the Toyota Financial Services for my lease. These late charges started when I moved from Texas to California where theres additional tax. This extra tax amount were not informed to my family. Nor were it added to my Auto Pay setting within their system. I did not find out about this until they send an email with reports on my unpaid late fees. Customer service was dismissive when I filed this complaint. This is deceptive and predatory.
Consumer complaint received 2023-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

Freedom Mortgage mismanaged my property taxes and escrow account and has now created a hardship for me to pay an additional estimated {$400.00} per month on my mortgage due to their negligence. Freedom Mortgage overpaid on my property taxes by approximately {$2000.00} and wanted to issue me a check separately in the amount of approximately {$1400.00} ( an amount they stated was due to me which caused my escrow balance to be depleted ). This check has not been received or cashed. Now Freedom Mortgage has included this additional payment to my mortgage due to their negligence. Freedom Mortgage has not assisted me with correcting this issue and continues to say " oh well ''. Their negligence could cause me future hardship with my credit rating, meeting other necessary monetary obligations and noone is willing to assist with Freedom Mortgage 's NEGLIGENCE!