davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose.

For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account. 

I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. 

This is an invalid late payment. 

The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2019-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OH)

I just changed my XXXX  mobile phone number four days ago and every day since than I have received a call from this company called Sequium Asset Solutions. I block the number and they continue to call from other numbers identical to the previous. This last time I called the number back to ask them to kindly stop calling me because the individual they was looking for no longer has the number they are calling which is how I know who this company is. Upon calling I was immediately greeted by a prerecorded message stating this number owes $700  plus for something, I remained on hold to speak to a representative but I was never connected and I hung up. I have no idea who had this number before me but I am not the person this Sequium is looking for and wish for them to stop harassing me. Calling everyday from a new number is annoying considering I just received this number from XXXX
Consumer complaint received 2024-04-10
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (GA)

On XXXX XX/XX/2024 approximately XXXX I was at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX parking lot. I was asleep in my vehicle when I noticed the vehicle went left, right and then up, I jumped up, I noticed that a tow truck was behind my vehicle, I started the vehicle but the vehicle wasnt moving because he had already jacked up the vehicle. He came to the vehicle with a flashlight I told him to release my vehicle. He said no, i said i am in the vehicle, he started yelling and getting louder and louder, he said he was there because Title Max sent him to repossessed the vehicle. He had a XXXX on his hip and I didnt want the situation getting any worse. I turned off the vehicle, climbed out handed him the keys and I asked him the location of where hes taking the car he said he cant give me that information however Title Max will contact me with the information. After several days have not provided that information.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

I contacted XXXXXXXX XXXX XXXX XXXX on XX/XX/2021 to give me an estimate on a blower motor. After they arrived, there quote was completely different than I was quoted over the phone. I told them ( XXXX 's ) no thanks. I was told about a {$29.00} trip charge which I was ok with. However, two days later when checking my account. I see a charge of {$540.00}!!!! I did not authorize this or sign anything!!! When I contacted Wells Fargo, they said there investigation shows a valid purchase!!! XXXXXXXX XXXX  submitted a fraudulent invoice!!! I have never seen this invoice and it contains a signature!! XXXXXXXX XXXX & Wells Fargo have a fraudulent document that has a forged signature!!! 
The invoice I have is completely different!! No signature or and bogus work done!! 
I have provided the correct document and the document from XXXX XXXX. XXXX XXXX  did a great job providing me a blower motor!! 
XXXX investigators do not care about my money and would prefer to pay it out. They allowed this fraudulent purchase and do not want to admit liability!!
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

I purchased a new car with Ally Financial. In XXXX, XXXX, we went to make our first payment on the new car. Ally returned out money 4 times. We tried calling, talking to them, sending in the payment it it kept getting returned with no explanation. After the 5th attempt, they said we were attempting to pay online incorrectly. Nothing was wrong with our method of payment, the money was there and somehow it was rejected on our first payment. Ally claimed we needed to set up a profile after our 5th attempt.

This has effected our credit so majorly, that we called again and Ally told us they would remove the late several times and still have not. This was not something that should never have happened to us, I have never been late on anything in my life, and this was ridiculous. We have made out payments on time ever since. This should have never happened to us.
Consumer complaint received 2021-12-29
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. (CA)

Upon receiving a copy of my consumer report. I seen there was numerous fraudulent accounts taken out of my name. I have contacted the consumer reporting agencies. I have contacted the creditors. I have done a FTC report XXXX  report. With no resolution insight. I am a victim of identity theft. The situation has caused the great distress loss of sleep as well as Extreme damages Due to this fraudulent information being Furnished onto my consumer report
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

The information on these reports are incorrect misleading and against the the law. This account has in accurate information and this debt is not owed but is alleged. 15 usc 1692g collections alleged debt .all debts belong to the US therefore there is no debt that I as the consumer owes. This debt has already been paid. This has affected me in so many ways, my life has been altered by this incorrect information.
Consumer complaint received 2019-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Closed (paid off) my FHA loan XX/XX/2019 (have an escrow account refund due within 20 business days) First Freedom Mortgage sent it to the old address so I was told I have to wait 30 days before they can reissue another check. After 31 days, I called them to reissue the check. They stated it'll take 10 days for the process. Called them 11 days later as I hadn't received my refund check. They said they didn't have the right address (even though it was already provided). They said they'll reissue, I'll have to wait 10 days again. Again, no check, called them, their notes indicate they don't have the correct address and I'll need to wait another 10 days for a reissue (correct address has been provided MULTIPLE times with reps validating it each time I called. I demanded an escalation and rapid refund to over night a check to correct this issue. Was told "policy" is 10 days. It's been 43 business days, 64 calendar days for an escrow refund which has to be refunded within 20 business days. This is unacceptable.
Consumer complaint received 2019-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I reviewed my XXXX  credit report and noticed a collection account that does not belong to me from Transworld Systems for an amount of $XXXX. I am in the process of refinancing my home and this derogatory item will hinder my chances of obtaining a fair interest rate on my loan. I have never had a collection account or owed any company anything in the past, so this process is new to me. Please remove as soon as possible this inaccurate information.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (FL)

I believe that this financial institution pulled my credit several times over the past XXXX years. It is not a matter of identity issues, just the fact that my credit was pulled too many times for XXXX transaction. Accordingly, I respectfully request that the inquiry pull in XXXX or XXXX be deleted from my credit bureaus respectfully. Thank You!
Consumer complaint received 2023-01-21
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions 15 U.S.C 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 2021-12-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (TX)

XXXXXXXX XXXX  branch/ security loan- calls me every XXXX weeks and leaves a voicemail for YEARS. This is NOT my debt and they are trying to collect from XXXX XXXX who is my sister in law. I do not talk to her and have never had a relationship or friendship with her even though she is my husbands sister. She put me down as a reference probably knowing she wasnt going to pay them. I have requested multiple times for them to remove me because I do not talk to her. Im not sure how old this debt is but they used my maiden name and I have been married for 10 years now. Its frustrating because my husband and I are very responsible and have great credit ( XXXX both of us ). We do not do these payday little loans and I should not be harassed by this company when this debt has nothing to do with me or my husband. I have talked to someone at the XXXX XXXX branch, XXXX and XXXX also corporate.
Consumer complaint received 2021-12-29
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)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Social Finance, Inc. (IL)

Charged late fee when XXXX paid min balance 2 days before due date. ( XXXX, paid > min payment ; XXXX due date, XX/XX/XXXX fraudulently charged {$25.00} late fee and marked as late /missed min. payment. 

Amount XX/XX/XXXX Late fee Other {$25.00} XX/XX/XXXX Payment - thank you Payment - {$230.00} XX/XX/XXXX Payment - thank you Payment - {$130.00} Agent connected You are now chatting with XXXX XXXX. 
Thanks for contacting SoFi, XXXX XXXX! My name is XXXX XXXX Please give me just a moment to pull up your information. I'll be with you shortly. 
why is there a late fee on my card when I paid more than min balance 2 days before due date Are you going to reverse the mark on my account and the charge or do I need to file a report against SoFi with CFPB Due ate the XXXX of every month - paid more than due on the XXXX We are sorry to hear about this is this regarding your SoFi Credit Card? 
yes
Consumer complaint received 2016-10-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

Wells Fargo is foreclosing on my second mortgage when I have repetedly requested copies of payments made agreements made with XXXX and XXXX statements NONE OF WHICH I HAVE YET TO RECEIVE. I am now receiving harrasing letters phone calls from the collection law firm that Wells Fargo has hired to foreclose on my loan
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland Credit Management has called my wife 6+ times a day from a blocked or restricted number.  They continue to call me from the same restricted number despite being advised they cannot reach her at this number.  These calls are being auto dialed, which I specifically told them we do not accept.  There is often no one on the other line,  or a 15 second delay while they connect.  By blocking their number intentionally,  they limit their capability to be held accountable for TCPA violations.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MN)

We can not afford offered Loan Modification from Ocwen Loan Servicing , LLC . According our Attorney who review the offered Loan Modification agreement from Ocwen Loan Servicing , LLC to us we are going to be bankrupt within a few years if we accept that. And at our pre-retirement age it is not acceptable. We found a Minnesota local nonprofit organization who has a Program for Homeowners like us who can not afford to accept a loan modification but have to stay at the property due to medical reasons. The Non-Profit purchases the property at the Short Sale without signing Arm 's Length Transaction According to Home Affordable Foreclosure Alternatives ( HAFA ) program as permitted under Supplemental Directive XXXX issued by the federal government on XXXX XXXX, 2011, and rents the same property back to Homeowners with hardship like ours. The HAFA directive provides that Servicers may " approve sales to non-profit organizations with the stated purpose that the property will be rented or resold to the borrower, so long as all other HAFA program requirements are met. '' This quote is an excerpt from Supplemental Directive XXXX issued by the federal government on further information on the Directive issued on XXXX XXXX, 2011 ; the full relevant section of the Directive is attached. The Directive can be found at XXXX.
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I have applied for SAVE and I qualified for SAVE back in XXXX of last year ( XXXX ). Nelnet rejected my application to be on SAVE. I applied AGAIN and specifically requested to be on SAVE and still they refused to put me on SAVE. So I applied a third time and I filed a complaint with the Department of education. They finally put me on SAVE at XXXX $ payments. However they refuse to take me off forbearance and back in repayment and all of my loans say IDR PROC admin and payments are not due until XX/XX/XXXX. I have been occurring interest this ENTIRE time.
Consumer complaint received 2022-12-01
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. (TX)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (TX)

I have several accounts with US Bank since 1995. I moved from the XXXX, XXXX branch to XXXX XXXX, XXXX 8 years ago. I continued to bank with US Bank with our business account however our personal accounts were moved to XXXX  XXXX XXXX. This was due to there not being a local US Bank within XXXX. I contacted the branch in XXXX, XXXX to close a personal account that has been stagnant for 8 years. I provided every verification needed to identify me as the account holder and I was told that i could not close the account because there was a XXXX XXXX as the mailing address in XXXX, XXXX.I asked what the process is to change this XXXX XXXX to my address on file with all my other accounts at US Bank and I was passed along from the branch to online business back to personal online with no solution on how to change the address without flying to XXXX and physically walking into the branch bank and requesting. The timer on my cell phone registered 9 different phone calls totaling 237 minutes. The customer service is absolutely unacceptable.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OK)

My mortgage is with PHH/XXXX  and because of covid I have been on a forbearance plan for well over a year ( XXXX XXXX XXXX and XXXX for supplemental retirement income and could n't drive because of covid ). For at least the last XXXX months PHHXXXX has asked me for documentation concerning my hardship. During this time it has been an exercise in frustration. I have talked to several of their agents. They have requested much documentation which I can understand but there is a lack of communication amongst their employees. I don't know if they're losing some docs or what. I have been asked XXXX for a mortgage assistance application ( sent XX/XX/2021 and XX/XX/2021 ) and have been asked XXXX for bank statements the last of which I have sent XX/XX/2021. I was asked to send a hardship letter which I sent XX/XX/2021. One agent will tell me one thing and another will tell me something else. On XX/XX/2021 I talked to XXXX ID # XXXX. He admitted that PHH/XXXX could be giving me wrong information. I then asked to speak to a supervisor and spoke with Classia ID # XXXX. He told me to just wait for a deferment. Then on XX/XX/2021 PHH/XXXX called and asked for XXXX  years tax returns, and AGAIN XXXX most recent bank statements and a business profit and loss statement all of which I sent onXXXX. To add to all this PHH/XXXX  sent a letter to my home insurance agency XXXX XXXX saying that my property/house is vacant. PHHXXXX had to send a letter of retraction to XXXX XXXX stating that they made an error ( sent XX/XX/2021 ). To me all this shows incomitance and lack of communication between PHH and XXXX mortgage. I have sent everything they have asked of me and still no resolve They are now telling me that I have to start the process all over again because it's been over a month and I didn't sign some docs ( they didn't inform me of this and in the letter they sent me there was no mention of missing signatures ). This will mean that for the third time I have to send all documentation AGAIN. Hoping you all can help me in this matter. P.S. - I have also filed a complaint with the XXXX.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (IN)

On XX/XX/2021, I had a car repair done at XXXX XXXX and I used my Goodyear Credit Card. I am a XXXX member and I was supposed to get a 10 % credit which XXXX had been giving me for the last year I had been getting my car repaired there. I neglected to get my credit when I paid my bill and I went back and asked them to credit my account and they refused saying that they decided not to be a XXXX member any more. They are still listed on the XXXX website as a XXXX garage. 

I being a member of XXXX am supposed to get a 10 % discount at a XXXX garage. XXXX XXXX where I had the work done is located at XXXX XXXX XXXX, XXXX, Indiana XXXX is listed on the XXXX website as a XXXX garage. XXXX XXXX has an agreement with XXXX to give XXXX members a 10 % discount. 

I contacted XXXX XXXX at XXXX who deals with XXXX garages and she told me that they had not told her that they do not want to be a XXXX garage any more and they still have them listed on their website as a XXXX garage. 

I called Goodyear Credit Card and filed a complaint. They sent me a letter on XX/XX/2021 saying that they would conduct an investigation and at the end of the investigation would be sending me a resolution letter with details on their decision and that I did not have to pay any related interest charges or fees during the investigation. 

I received a letter dated XX/XX/2021 stating that they had received a request for a credit on my account ad and in order to receive the credit to contact the store manager for further processing. That is all the letter said. 

I called Goodyear about the letter dated XX/XX/2021 and they said that the manager had refused to credit my account. 

I do not feel that this was investigated properly if at all and I do not feel like I got a resolution letter stating the details of their investigation. I have a legitmate issue and they are refusing to even look at it.