davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Funding Metrics LLC (GA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX on behalf of Funding Metrics has violated the privacy rights as a citizen by contacting my elderly mother and other family members by leaving voicemail messages saying that me and my company would be sued. I have never heard of this company or representative so he sounded incoherent. I did not recognize the number nor did he sound like a legitimate company. He only called me once so I can only be concluded and alleged that XXXXunding Metrics put this person up to this because it is not much information about this company anywhere except for a website and a XXXX XXXX. Per the documents below-he knew that I was not at those numbers and that it was other family members he was leaving the messages for. He admitted that he left sensitive confidential private information on various family members cell phone numbers and home numbers which those numbers were not tied to me. After I sent a Cease and Desist letter to the owner of Funding Metrics and XXXX so he continued to reach out to my family members discussing sensitive information regarding a Financial matter after I asked him to refrain from contacting my family or business associates. I informed Funding Metrics of the collection activity so the representative apologize and told me to reach out to a manager so I have included the CEO of Funding Metrics since there is no contacts listed that we could reach out to this person who Funding Metrics employed. We are humans so they have left threatening messages to me and my mother. My mother was disturbed by the voicemail messages where he said that he and Funding Metrics would sue me and my company. I am looking for assistance per the XXXX ways of this company has contacted me and other family members. This company has revealed personal financial information to my mother and other family members and leaving messages to threaten to sue me and my company. He has called other family members to discuss important sensitive financial matters which violated my privacy rights of me. It has been discriminatory in terms of the financial terms and collections efforts. This company has left multiple messages to harass, bully and embarrass me and my family. I have spoken to XXXX of Funding Metrics so it was no need to violate my privacy rights and civil rights. I communicated to XXXX that the financial was not correct.
Consumer complaint received 2024-04-20
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. (MD)

Around XX/XX/year>, I called Mr. Copper and requested to have my Biweekly ACH withdrawal put on hold for either my XX/XX/XXXX or XX/XX/XXXX payment, because I was getting 3 paychecks in the month of XXXX ( XXXX, XXXX, and XXXX ). After speaking with their representative, he advised me that XX/XX/XXXX payments would be skipped and my ACH would start back up for my XX/XX/XXXX payment. After speaking with the representative, I called my bank the next day, because I knew Mr. Copper would XXXX things up. Mr. Cooper is a horrible mortgage company and I have had a number of issues with them in past. I never had any issues with XXXX XXXX XXXX XXXX  sold my mortgage to Mr. Cooper. 

I requested my bank " XXXX XXXX XXXX XXXX XXXX XXXX  to hold my ACH withdrawal to Mr. Cooper and I explained to them why. 

On XX/XX/year>, I received a call from my bank who stated that Mr. Cooper attempted to withdrawal the money. I released my account so my XX/XX/XXXX payment could be taken as scheduled. 

On XX/XX/year>, Mr. Cooper never took the mortgage payment. I called and sent an email and never heard from them. 

On XX/XX/year>, Mr. Cooper never took my mortgage payment and I called and sent an email and never heard back. This is 2 mortgage payments that were missed. 

I finally got a hold of a representative who advised me that my ACH was canceled per " My Request ''. I advised the representative that I never called and canceled it. I explained to the representative what took place and I requested to have it reactivated. I advised her that it took over a year for Mr. Cooper to get my ACH up and running, because they kept screwing things up. I requested to speak with XXXX from their Escalation Dept. I also requested to have my recorded conversation on that dated and time pulled for them to review. I was told that someone would get back to me. 

No one has never gotten back to me and I have sent several emails. 

I am now getting text messages and emails about my mortgage payments being late. 

I have another mortgage payment due on XX/XX/year>. This will make 3 payments that Mr. Cooper failed to withdrawal with my Biweekly ACH. 

I have all the funds in my checking account waiting for Mr. Cooper to resolve this issue and reactivate my ACH biweekly payments. 

On my last email sent to Mr. Cooper on XX/XX/year>, I advised them, that I would be submitting a complaint to the CFPB, Maryland Attorney General 's Office and XXXX XXXX XXXX XXXX 

As of FridayXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not head from Mr. Cooper XXXX 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-08-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

I was awarded funding through Florida 's Homeowner Assistance Fund ( HAF ) to help with mortgage payments that were behind due to COVID-19. I was awarded the funding on XX/XX/XXXX in the amount of {$10000.00} that was paid directly to the mortgage company MIDLAND Mortgage. For 6 months the mortgage company failed to apply the funding to the mortgage payments and held the funds in a separate " unapplied funds '' account. I've made several complaints to the company for holding the funds and applying late fees each month instead of using the funding from the state. After the complaints the company used some of the funds to apply to the monthly mortgage but still charged late fees. As of today, XXXX XXXX XXXX the company has stopped applying the remaining {$7200.00} and began sending past due statements when I still have funds available that can be applied to the mortgage.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In XXXX I noticed some charges to my account from a XXXX I do not use. We went through every expense and weeded out what was not mine. They refunded me the expenses while they investigated. XXXX weeks letter the money is all drafter again. I was told all charges were mins. This is a lie. I copied all transactions made from XXXX and none matched the charges made in my account. I purchased from a local XXXX that delivered food to my home. I have never purchased anything else but food. I want the money to be put back in my account. This is not the first time USAA does not do a through review before making a decision on behalf of a loyal customer
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AL)

I have been been banking with Wells Fargo for almost 8 years, through these years I have had numerous bof problems with fea added to my account, money taken out for transactions made 2 days prior, etc. I have called several times throughout the years for money just disappearing out of my account. I have been a XXXX for 6 years and have done XXXX XXXXXXXX for almost 3, I have had more problems with Wells Fargo and added extra fees through my XXXX XXXX  experience more than ever. I just want to be compensated for the times I know for a FACT they have taken money out of my account for hidden fees and double charges that NEVER added up.
Consumer complaint received 2023-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: AmOne Corp. (NY)

I contacted XXXX about a loan specifically because my credit is currently in bad shape due to personal issues over the past few years. I don't have a problem with the fact that they denied me, as I thought they probably would. 

My problem arises from the fact that, rather than telling me they could not make a loan to me, the representative told me there were some marks on my credit and that he was going to transfer me to an associate to see what they could do to help me. He said that after I spoke with that person we could take a look at loan options again. 

This was deceptive, however, as he knew I'd been denied a loan and he transferred me to a credit repair service so they could pitch their services and offer to help repair my credit for between {$150.00} to {$200.00} or more per month. After the call I looked in my email and found I had already received the legally required " you've been denied a loan, here 's the credit agency info if you want to find out why '' notice while the new rep while trying to sell me credit repair services. They knew I had been rejected. They could have told me so. 

I know how to repair my credit. I don't need a service. I was trying to get the loan as part of my own repair process so that I could show regular on-time payments. 

I don't appreciate that, since XXXX couldn't make money off me through a loan, they tried to sell me to a credit repair agency as a means to still make money off of me.
Consumer complaint received 2023-03-07
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I opened an account that had an annual fee ( XXXX XXXX XXXX package ) that paid for additional benefits for the account. After only 1 month of inactivity, First National Bank of PA closed my account due to inactivity while there was also still an ongoing open support ticket that directly related to the balance of my account. I called in multiple times and received conflicting information each time. One time I was told it was due to a XXXX balance ( despite the open ticket that was related to a fee that brought it to that balance ). Another time I was told they meant to close an older account opened years ago but closed the new account by accident ( I had closed the older account years ago but somehow they never followed through on closing ). 

They then used all of this as rationale for denying me the checking account bonus offer that I opened the account with, stating that the account was not in good standing due to a fee ( the same fee that still had an open ticket to look into the cause as I believed it was in error ). 

Lastly, they refused to pro-rate the annual fee I paid for this account, despite closing the account and denying me of the benefits I paid for. 

During all of this, I spoke with XXXX at the XXXX branch who was helpful at first when looking into the fee that was charged in error but then after the account was closed, was one of the multiple parties providing conflicting info and refusing to provide a satisfactory or fair resolution.
Consumer complaint received 2017-02-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Jacobs, Marsh LLC (TX)

I currently have a debt listed on my credit report as being from Jacobs Marsh, however, I 've been trying to contact them for over a week now via telephone and email to no avail. Recntly I received a phone call from XXXX ( XXXX ) stating that they are collecting debts on behalf of Jacobs Marsh. So I eventually arranged to pay the debt that is indicated on my credit report and being from Jacobs Marsh. I hope that I am not being scammed! Is Jacobs Marsh still in business? Why did they give my information to a third party to contact me on their behalf to collect the debt. Do they have the authority to collect on the debt AND authorize the disposition of the debt be included on my credit report?
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/ I submitted a claim ( claim # is XXXX ) with my bank Wells Fargo as there was 3 charges from XXXX of {$230.00} totaling to {$690.00} I did not approve. I wanted these charges reversed I did not authorize this sell in my checking account. I reached out to XXXX and confirmed from them that these charges were never made in my account ( XXXX account ). Please see attachment below named " XXXX Customer Service '' for proof from XXXX that I myself never made these purchases. 
On XXXX My claim was cancelled by my bank Wells Fargo and I called the claims department to reopen the case. They made me send an email to XXXX and reopen, within the email I also attached the same email from XXXX you see attached to this complaint below.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (WA)

Submitted claim on XX/XX/2023 for identity theft on the amount of {$8000.00} Discover claims : We found you liable for the transactions for the following reasons : Multiple fraud claims with like transactions. Valid payments are made on account without disputing balance when card is near limit and the credit from the payment allows transactions to go through. Valid keyed and/or swiped transactions mixed with fraud transactions. Claims made of not traveling in or near where the fraud took place, however login sessions or IP address reports back in the area the fraud transactions occurred. 

However the account 's information was stolen through cloning, online banking data breach, and/or social engineering. IP address faked using VPN. I did not consent to having my card and funding used to pay for these things, and have evidence to support my claims that these transactions are not valid.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The company, XXXX, refuses to update my Transunion account correctly. XXXX of my old school loans from XX/XX/XXXX, that were both consolidated and transferred to another lender in XX/XX/XXXX, are still showing as OPEN on my credit report. These loans are from XX/XX/XXXX AND XX/XX/XXXX. I have called XXXX and Transunion, but they do nothing. It is getting reported correctly on XXXX, so, XXXX needs to call and fix it with Transunion. I have already didputed it before, and XXXX did nothing more than add a remark on my account saying payment deferred, Which is incorrect and illegal.
Consumer complaint received 2023-06-15
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)

I sent letters to Equifax, XXXX, and XXXX during the first part of XXXX to investigate negative information on my credit reports that is not actuate, has been over 30days and the credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2022-11-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I am filing this complaint on behalf of the Homeowners, I have been assisting them since XX/XX/XXXX with their FHA Mortgage loan being serviced by Carrington. 

The couple fell behind with their mortgage initially due to XXXX and was offered and accepted a modification in XXXX XXXX. However, due to ongoing financial hardship they fell behind again and reached out to me for assistance with their XXXX XXXX  application as they had received a denial from XXXX  XXXX. I assisted with an appeal to XXXX  XXXX, they had misread one of the homeowner 's pay stubs. The appeal was approved and the application has been able to move forward. 

XX/XX/XXXX : Carrington Mortgage was informed of the XXXX XXXX application and requested a stall in any foreclosure action. XX/XX/XXXX Carrington Mortgage was contacted for follow up as homeowner received a letter from XXXX XXXX XXXX ( attached ). 

XXXX  XXXX sent a request to Carrington Mortgage through the portal for an " I '' report on XX/XX/XXXX according to homeowner and confirmed verbally by XXXX  XXXX on XX/XX/XXXX. 
Housing Counselor has made several calls to Carrington Mortgage to encourage providing the requested information. On XX/XX/XXXX Housing Counselor was informed by Carrington that they received the request from XXXX  XXXX on XX/XX/XXXX ( not the dates XX/XX/XXXX as stated by XXXX  XXXX ) XX/XX/XXXX : Housing Counselor spoke with homeowner stating a package was attempted to be delivered today from XXXX XXXX XXXX but her XXXX  XXXX  was not able to sign for. Assumes it is XXXX action. XXXX  XXXX reviewed, states XXXX  XXXX filed XX/XX/XXXX. ( attached ) Conference call made to Carrington Mortgage, customer service rep confirmed XXXX action and stated to call back weekly. Call was made to XXXX  XXXX, customer service rep stated they are still waiting for information requested to be provided by XXXX  XXXX.
Consumer complaint received 2019-08-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (TX)

I bought a new car supposily, but when I took it to the get the insurance for it they refused to cover my car because the car was damaged by hail, after that i have to retuned it to the agency. I just have the car for 2 months and they want me to paid them the car.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please delete these inquires from my report as they do not belong to me and I have included my ID and the Identity theft report. 


XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023
Consumer complaint received 2017-04-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

Hi! Can you please help my family and me? We are now residents of XXXX, XXXX. We had a house in XXXX that we bought on XX/XX/XXXX for {$98000.00}. It was taking 50 percent of our income to pay the monthly mortgage payment. We refinanced with Wells Fargo Home Mortgage about a year and a half later to get a lower monthly payment. We had paid the balance down to {$93000.00}. However, after refinancing with Wells Fargo, they added on fees and things, and the balance went up to {$100000.00}. A couple of years ago, we lost our business due to financial hard times - we XXXX, and our students ' parents said they could no longer afford classes because financial difficulties they were having themselves. We received federal assistance to make our mortgage payments for two and one-half years. We got the first year 's assistance with no strings attached. We got more assistance on the condition that I go back to college and get another degree. I earned a XXXX degree in eleven months, but still could n't get a job with it, and now I owe {$33000.00} in federal students loans - but at least they 've been deferred for a while. There is a clause in the federal mortgage assistance agreement that if we moved out of the house before five years had passed, that we had to pay them back what they had paid on our mortgage. We still were n't making enough money, and I moved my family to XXXX hoping to find better jobs. Recently, Wells Fargo agreed to work with us to do a short sale. We got a realtor. The house was appraised at only {$60000.00}. We still owed {$87000.00}. We had a buyer, who offered {$50000.00}. Wells Fargo hired an attorney in XXXX, XXXX to begin foreclosure proceedings. The attorney sent me a letter saying that they were going to foreclose unless I wrote them saying that we planned on doing a short sale. I did write them back saying that we intended to do a short sale. I accepted the short sale offer of {$50000.00} that the buyer make. I hear that Wells Fargo went ahead and foreclosed and sold the house at auction yesterday. I think that Wells Fargo is breaking the law. I want them sued by the government, and I want for them to pay us {$200000.00} for the trouble they have caused my family and me.