davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (CA)

Ive sent multiple letters to XXXX and Experian regarding XXXX XXXX on my credit report. The Supreme Court ruled that this is not a credit transaction and I never gave permissible purpose for it to be placed on my consumer report. Id like this removed from my credit report as its reporting inaccurately and causing denials of credit and sleepless nights. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/21
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (WI)

XXXX XXXX XXXX auto loan was purchased for {$17000.00} with a loan period of XXXX  years XXXX from XXXX XXXX XXXX via Wells Fargo. Over the past XXXX XXXX XXXX  during the duration of XXXX it was difficult to may payments of {$380.00}. During that time my aunt was residing in a XXXX home in the State Of XXXX  with the XXXX XXXX condition of XXXX XXXX and was on the brink of being evicted from that particular facility. Adjustments, compromises were attempted to be made with Wells Fargo over that time period, but not other deferments were made readily available even no XXXX relief was offered either. As a federal government employee much of the income went towards XXXX family members of aging conditions further inhibited with the XXXX  activity, therefore requiring a great deal of income on my behalf. There were a number of barriers that compromised ability to make those payments but no relief was granted. A number of the calls were inconsistent cold calls where no message and or name for recontact was left, and when communication was established there appeared to be a lot of mixed information, detrimental to my well being of trying to find a happy medium, agreement to make amends with the loan. As a result of the XXXX  I have been in XXXX even more so after the incorrect charge off of my account. The day of the charge off of my Wells Fargo vehicle loan on XX/XX/XXXX an attempt make a payment was made, but no employee attempted to override the process or a facilitate an interaction with management to suffice the difficult situation. The charge off was incorrect and was avoidable as over the duration of the loan there were innumerable errors in charges, communications. In addition to that there was credit on the Auto Loan that wasn't returned as well and in fact could've utilize to give some sort of and as an XXXX XXXX  feel I ws very disadvantaged. Then Wells Fargo levied the {$12000.00} remaining balance with {$3000.00} over XXXX payments justifying the amounts with the supposition of interest not being received or accruing on the auto loan when amounts were excessive, so much so its a XXXX XXXX collection of my monthly income that was a deprivation of epic proportions, causing the likes of such an undue hardship financially, emotionally, and personally with the charge off under Wells Fargo. As a federal employee I have done things in good faith even making the requested exorbitant payments to my very detriment and livelihood that ongoing therapy has gotten tremendously more intense. Again I want to be contrite in my complaint as I just want an investigation completed by CFPB as well as Wells Fargo, and I am hopeful of a strong resolution of the charge off being reversed and restoring a bit of semblance to my life allowing me to pursue my dream of owning a home as well as making amends with Wells Fargo. Thank you
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

I WAS AWARDED A GRANT FOR 6 MONTHS OF PAYMENTS ON XX/XX/2023. This would have paid my mortgage up to XX/XX/XXXX XXXX I tried to resolve with asking them to correct my account to reflect payments made to them for me. I have been trying since XX/XX/XXXX  when I confirmed the payment amount with them to fix no response and keep getting the run around. I also emailed the program that paid them and spoke with loss mitigation department that handled the payment no resolve or response. The grant XXXX XXXX or close to it. That should have paid thru XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc. (UT)

hello, to whom it may concern my name is XXXX XXXX ( consumer ). I'm A federally protected consumer, I acknowledge receipt of your response to my complaint. I would like to thank you for the opportunity to address my concerns again regarding Law Offices of XXXX XXXX XXXX, XXXX. representing Mountain Land Collection. ( Debt collector ) on XX/XX/2021 I made initial communication to demand for this debt collector to cease all communication with me and remove false information On my consumer report, Notwithstanding they have furnished information without my consent. In the initial communication I requested the 5 method of verification under 15 usc 1692g ( a ) on XXXX i received statements from this debt collector after i have requested for them to fulfill these allegations. This company has failed to verify this information or provide me exhibits Accordingly. In their initial communication this unfair debt collector sent me symbols other than the debt collectors address which is a violation of 15 usc 1692f9 ( 8 ) I kindly ask this 3rd party to provide me how this review of this matter was confirmed accordingly. XXXX your internal policies where talking about federal violation laws your client has violated me.I did not ever give consent to this debt collector to communicate with me in the first places which is a violation under 15 usc 1692C ( a ) this office should know this law under the FDCPA since yall are regulated by them. However, in an effort to resolve this matter outside of litigation, im requesting a settlement offer. If the offer is not accepted I would be starting litigation proceeding immediately concerning my issues.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (WA)

Received a cc in the mail in late XXXX from Netspend XXXX that I never applied for. Thinking fraud I went into do a free credit check with scoresense on XX/XX/XXXX and found where this card had never been applied for with my name. I thought that was odd as it showed nothing. Because I checked my credit score I now had to jump through the hoops of canceling XXXX so they did not start billing my cc monthly for there service. On XX/XX/23 after several phone numbers finally reached one that allowed me to cancel the cc but again had to jump through hoops which is why I am filing this because I know it is illegal for a cc company to just send you a cc for no reason
Consumer complaint received 2020-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2020, I paid a seller using PayPal personal payment method the amount of {$790.00} + {$4.00} PayPal fee XXXX {$790.00} total ) for a brand name watch. I have had many transactions with the same seller in the past and never had any problem, so I did not hesitate to make the payment. The seller then sent me a fake watch. I already tried to work out with the seller but he refused to accept the return for a full refund. 

The detail of the transaction including the amount, the transaction ID and the recipient information is listed below. 

Paid with XXXX  XXXX XXXX ( XXXX ) Your backup is MasterCard XXXX Transaction ID XXXX Sent to XXXX XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX {$790.00} Fee {$4.00} Total {$790.00} I submitted a case with PayPal, and after almost a month PayPal came back with the decision made in favor of the seller. PayPal reason was that I used personal transaction and that there was nothing they can do since personal transaction do not have buyer protection. PayPal asked me to contact the bank to see if they can help. I did contact the bank. The bank could not help because they do not have all the information related to the transaction. They said the transaction was initiated by PayPal and not by them, so PayPal should be able to do something about it. 

I contacted PayPal again and relayed the bank message and did escalate to one of the PayPal manager, but the manager said that personal transactions are indisputable and turned me away.

I realized and understand that I might have chosen the incorrect method of payment, but that does not mean that PayPal can not do anything about it. The transaction was initiated using their system. They have all the information related to the transaction. They should be able to do something about the transaction. There are no clear indication anywhere on PayPal website that personal transactions are indisputable. I simply just want to return the fake watch the seller and get my money back.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am not liable for the late payments with ( XXXX ). Three late payments were stated on this account that were in fact paid on time. All 3 credit bureaus are giving inaccuracies stating the late payments were in different months that do not coincide with each other. 

The consumer reporting agencies did not report all information with accuracy. This account has NEVER been late on payments and I've attached a copy of my report from IdentityIQ for the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] I demand these payments be updated to the correct data that they were paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

( PORTFOLIO RECOV ASSOC ) at ( XXXX XXXX XXXX XXXX, VAXXXX ) Has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as pasted due balance. I do not know this company, I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2023-01-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (NY)

I closed a CD with Ally Bank back in XXXX and I was told that they were going to wire the balance, {$12000.00} to my account at XXXX Bank. When the money never hit my account I called Ally and was told that they had actually sent a paper check and that I had to wait for it. I waited and the check never arrived. I called again in XXXX and I was told that I would have to fill out a form stating that I never received the check and get it notarized. I did that and requested once again that the money be sent directly to my account. Again, the money never arrived. I called again in XXXX and the person I spoke with was very apologetic. She said that it looked like another paper check had been sent but she could see that it was never cashed or deposited and that she was going to escalate the issue and that someone would call me back by the next day. It was three more weeks before I heard from them again. The woman I spoke with today was rude and impatient and she told me that I would need to get another form notarized to request another check. I said that this obviously isn't working and that it's ridiculous because they have my information, they have my form, and most importantly they still have my money. I asked if there was a branch or anywhere physical for me to go to get my money and I was told that they were an online bank and that my only option was to keep leaving work to get the exact same form notarized with still no indication that I would ever actually receive my money. This is a lot of money and I had been counting on it to help pay for holiday bills this year but now it is almost a year later and I still can't seem to be able to get them to send it to me.
Consumer complaint received 2023-01-16
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 ()

My credit score is being damaged for unknown reasons, I am the creditor not the debtor I know that my autograph is the credit not the SSN that is my public office and I am the beneficiary to that SSN
Consumer complaint received 2023-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

XX/XX/2021 Lakeview Loan Services gave us an escrow payout refund of {$3700.00} but had made a mistake. A entire year later without any notification they have been charging us {$450.00} extra every month for 12 months to fix their mistake. This type of error can easily put home owners in foreclosure if they cant pay almost {$500.00} extra per month for a year. Financial errors of this magnitude are financial irresponsible and a form of fraud and dishonest business practice no matter how common it may be. Its a scheme to attempt to repossess homes.
Consumer complaint received 2023-01-16
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-03-11
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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (WA)

I refinanced my home and my broker advised that I should be not paying XX/XX/XXXX mortgage payment because it will be closed before the end of the month .They did not want me to wait another 30-60 days to get a refund since all documents were processing. Suntrust Bank was fully paid on XXXX XXXX. They were paid in the month of XXXX. They reported me as late in mortgage payment for that month. That is unfair and incorrect. They are paid in the Month of XXXX. I should be late if I paid them in XX/XX/XXXX. I called them and they were rude. They were not happy that I left them and I felt discriminated as well. The gentleman on the phone would not help and remove Late Mortgage Payment. He dismissed me quite fast. 
I talked to my broker and they verify that I was not late .All the documents show that they are fully paid in XX/XX/XXXX. As a senior citizen I made all my mortgage payments on time and prompt. My credit is hurt because of them not helping to remove this incorrect issue.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I have many issues with how XXXX, Equifax, and XXXX are reporting collections and closed negative accounts on my consumer report with my verbal or written consent.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 6802section ( b ) Opt out In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. My consumer report is private information. I have not received any disclosures from any of the following accounts : XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$630.00} I need the mentioned accounts removed from my consumer report immediately, the mentioned accounts are ruining my consumer report and my credit score which is hindering me from getting any new credit lines and credit loans.
Consumer complaint received 2023-01-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (MN)

Loan A/c Number : XXXX Amount Due : {$1300.00} Legal Process Begins : XX/XX/2023 We are disappointed that you have not taken any initiative to make reasonable arrangements to resolve your delinquent balance. 



If we do not receive payment in full of the entire delinquent balance by XX/XX/2023, your file will be referred to our attorney for possible legal action. 



If you wish to avoid legal action and the possibility of incurring court costs, attorney 's fees, and considerable inconvenience, remit the payment of {$1300.00} or contact us to discuss reasonable arrangements to do so. 



If this matter is not resolved by XX/XX/2023 all further correspondence will be made through our attorney. 



Do revert ASAP. 



Regards, XXXX XXXX XXXX & Collections Speedy Cash
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo charged late fees wrongfully, Placed my full monthly payment as a unapplied payment. Forged loan documents for the loan paperwork. Incorrect application process for a loan modification. Attempted to foreclosure on my home. I had to get an attorney to save my home from foreclosure.They put foreclosure information in the local news papers. After spending nearly {$24000.00} on attorney fees. Wells Fargo lost. We were able to keep our home but it took all of our savings.When my credit recovered from situation, We we're finally able to refinance with a reputable company.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (PA)

I received in the mail a letter from Online Information Services dated XX/XX/23 in regards to an outstanding debt in the amount of {$840.00} due to XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX. Upon calling the debt collection agency Online Information Services, I was informed that this account is associated with an address in Texas. I do not own any properties in Texas, nor have I ever been there. Given that I live in XXXX PA and have never heard of XXXX XXXX XXXX, the representative I spoke with noted that this was likely a case of fraud and directed me to file a claim through the FTC 's identity theft website. I will also be following up with XXXX XXXX XXXX to dispute the fraudulent outstanding debt.
Consumer complaint received 2020-03-11
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: Experian Information Solutions Inc. (AL)

EXPERIAN STATED THAT THEY WERE STILL REVIEWING THE INFORMATION, XXXX XXXX INFORMED ME THAT THEY HAVE REMOVED THE BANKRUPTCY AND HAS SENT THE INFORMATION TO EXPERIAN TO HAVE IT REMOVED. 
EXPERIAN IS STALLING WHEN DOING WHAT THEY ARE SUPPOSE TO DO.
Consumer complaint received 2023-01-24
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. (KY)

On XX/XX/2023 after the consumer was denied a deletion resolution from said ( person ) corporation. The consumer decided to indulge herself more with understanding the Fair Credit Reporting Act. 

15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this sub-chapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Also while consumer was doing further investigation to become more knowledgeable in the Fair Credit Reporting Act. There is an exclusion in this code that clearly says according to congress that transactions is excluded from my consumer report, that is a matter between the consumer and the corporation and therefore it should not be in consumer report because transactions are excluded. 
( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (SC)

Sold my home went to settlement on XX/XX/2019 however my husband unexpectedly passed away so I did not attend my settlement had my realtor do fir me - here is my complaint against Ocwen mortgage co my last statement from them gas my balance owing XXXX but at settlement they added XXXX more Dollars making my payoff be XXXX how can they lie like this?