davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

My auto loan contract terms were broken by Wells Fargo during loan. 
My original loan XX/XX/15 was for XXXX. 
The 5.99 % APR for 5 years. My term includes 59 monthly payments of XXXX. 
My first month payment included a interest payment at over 9 % APR. 
There are periods my rate jumps to 10.99 %. 
Please see attached and explain why my payments were distributed to pay over the 5.99 % APR terms that are negotiated in my contract? 

MY PAYMENTS MADE TOWARD MY LOAN are described in transaction details as Late fee adjustments My PAYMENTS are distributed as refunds back to my loan as if they are being distributed directly from Wells Fargo. 

My terms were broken, false charges, Fraudent duplicate other charges with no description or cause.
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland funding has been trying to collect money from me over several years. I have no knowledge of this account. I have filed disputes with all three credit bureaus. 
I spoke to Midland funding regarding this account. They said to submit a notarized statement to them stating I never conducted business with them. On XX/XX/2022 I faxed the statement to them. Its still on my credit report.
Consumer complaint received 2020-09-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY (VA)

Im in debt consolidation program. One of the credit card companies is Nordstrom. Nordstrom has contacted my siblings, concerning my debt. I have never provided Nordstrom with my familys information. They are using third-party tactics to find my relatives. Im afraid they will call my job next.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a debt collection letter in the mail today from XXXX. The letter shows Capital One Bank as the original creditor, and XXXX XXXX XXXX as the current creditor. The letter does not include the required statement that I have the right to dispute the debt. It only states that it's an attempt to collect a debt, and also that the statute of limitations has expired, so I can not be sued for the debt.
Consumer complaint received 2020-09-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

I have a FHA mortgage, the servicer is PHH Mortgage Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I requested a COVID-19 Forbearance on my mortgage, I was told that I was given a FEMA Forbearance plan. I requested an extension of the FEMA Forbearance plan by email on XX/XX/XXXX and was sent an email on XX/XX/XXXX denying my request for an extension of the FEMA Forbearance plan ( " Please be advised that the account does not qualify for the COVID19 Forbearance Plan due to the account status '' ) because of the status of the loan, and was told by PHH that my FEMA Forbearance plan would not be extended after XXXX XXXX. On XX/XX/2020 I emailed a request to PHH Mortgage to reconsider my request for FHA COVID-19 Forbearance because I have an FHA Mortgage and to reconsider my request for an extention. I was denied. I requested an email with the reason for their denial because based on SEC. 4022. FORECLOSURE MORATORIUM AND CONSUMER 5RIGHT TO REQUEST FORBEARANCE.

13 ( b ) FORBEARANCE. 14 ( 1 ) IN GENERAL.During the covered period, a 15borrower with a Federally backed mortgage loan ex-16periencing a financial hardship due, directly or indi-17rectly, to the COVID19 emergency may request 18forbearance on the Federally backed mortgage loan, 19regardless of delinquency status, It is my position that my request for FHACOVID-19 Forbearance should have been granted. 
Thank you.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 I tried to use my card to pay for grocery and pharmacy and it did not work. 

XX/XX/2020 I called BofA and the supervisor said the account was closed due to fraud and that all systems were down and I would likely not have access to my money for weeks. Rep referred me to CA EDD XXXX Unemployment ). 

XX/XX/2020 I called EDD they stayed my account was in good standing and open. They acknowledged there was a batch of accounts flagged for fraud but insisted mine was not one of them. EDD directed me to call BofA to demand my funds. I stayed on the phone 6 hours and was hung up on many times during 12 transfers that escalated the call and after 6 hours they insisted there was nothing the could do. One of the supervisors was going to call with me to EDD to verify that the info was error but instead hung up on me. I asked for this so called bank account closure to be put in writing and was also refused. I provided proof of my various calls as well a screenshot of my prepaid bank card. Notice how the BofA portal says nothing about my account being closed. EDD portal also shows an active account. Yet the BofA card wont work and when I call BofA to say there is nothing they can do and are aware of thousands of other callers but no action to fix it even when someone takes 6 hours to try to manage it. They said only the sponsor can close it but isnt there laws protecting balances on prepaid cards? The card has my name on it. I should be able to pull the money out. 

Please help! 
XXXX XXXX
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Select Portfolio Servicing Inc, is my mortgage lender. On XX/XX/2020 I got infected with XXXX XXXXXXXX in one of the buildings that I was XXXX XXXX, due to the severe XXXX my both XXXX were affected and just 3 weeks ago my XXXX discharged me. I lost my job, I contacted SPS beginning on XXXX and reported my conditions they told me that they will help with the deferral plan approved by the government but I have to call on beginning of each month during my sickness. When I called in XXXX they told me that I will start paying on XXXX, but I told them that I lost my job and still under XXXX XXXX, So I sent a letter to explaining the new banking law Section X-9 which support to the NYS residents and states that those monthly payments will be deferred until 6 months meaning XXXX, XXXX, XXXX ( done ) and XXXX, XXXX & XXXX ( pending ), but they sent me a letter on XXXX XXXX stating that those months + one more I dont know WHY will be in a balloon payment of {$12000.00} ( 4 months ) due on XX/XX/2020 which means I will star paying my regular payment plus this balloon and if I cant pay I will be in collection. After this, I sent another letter inquiring those questions and asking for a clarification, but they sent me a letter stating that they will answer in 30 Days but never happened. 
Today XX/XX/2020 nothing has been resolved, I am looking for a new job and hopefully I can start paying my mortgage.
Consumer complaint received 2020-09-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings (OH)

ALLOW ME TO BE CLEAR. I FILED A COMPLAINT WITH THE FCC. WHO SENT ME TO THE FTC. I FILED A COMPLAINT WITH THE FTC WHO HAVE NOW SENT ME TO CFPB. I CAN NOT FIND ANY AGENCY THAT ACCEPTS RESPONSIBILITY FOR THE LAWS THAT HAVE BEEN BROKEN. YET EVERYONE CONTINUES TO GET PAID JUST TO GATHER INFORMATION TO BE PUT IN A DATA BASE. THE COMPANY : SPEEDY CASH/RAPID CASH CURO HAS CALLED ME A TOTAL OF 76 TIMES. I ASKED THEM TO STOP CALLING ME ON XX/XX/2020 AND THEY CALLED 32 ADDITIONAL TIME AFTER THAT DATE. I ALSO FILED A COMPLAINT WITH THE XXXX XXXX XXXX. I HAVE NEVER HEARd OF THIS COMPANY. HAVE NEVER  DONE ANY SORT OF BUSINESS WITH THIS COMPANY. NEVER OBTAINED ANY SORT OF LOAN WITH THIS COMPANY. THEY NOW SAY THAT THEY CONTINUED TO CALL ME BECAUSE THEY THOUGHT THAT I WAS RELATED TO ONE OF THEIR CUSTOMERS THAT OWE THEM MONEY. WHAT ARE THEY LOAN SHARKS. XXXX? ALSO I WAS PROVIDED A COPY OF A LOAN AGREEMENT WHERE THEY REDACTED THE CUSTOMERS NAME AND LOAN NUMBER. I ALSO HAVE A DETAILED INCOMING PHONE CALL REPORT FROM MY TELEPHONE CARRIER CARRIER THAT SHOWS ALL INCOMING CALLS WERE FROM SPEEDY CASH/RAPID CASH CURO. ALL OF THIS BREAKS EVERY LAW THERE IS. TELECOMMUNICATION. PEACE. FAIR DEBT. ( I HAVE NOW NOR NEVER HAD ANY DEBT WITH THEM ) HARASSMENT ) I WANT SOMETHING DONE IMMEDIATELY. AND WITH OUT FAIL. I WANT TO BE CONTACTED. AND WHAT EVER INFORMATION IS NEEDED TO SUPPORT THIS COMPLAINT, PLEASE REQUEST IT FROM ME IMMEDIATELY. AS THIS IS JUST A SUMMARY OF THE ACTIONS OF THIS COMPANY. THEY CALLED ME 76 TIMES. AND A  CUSTOMER SERVICE REPRESENTATIVE TOLD ME THAT I WOULD HAVE TO PROVE THAT I WAS NOT A CUSTOMER OF THEIRS FOR THEM TO STOP CALLING ME. ( XXXX XXXX ) WHEN I TOLD HER THEY WERE BREAKING THE LAW SHE THEN SAID : " WE KNOW THE LAW ''
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

i was denied an apartment because of wrong information reported on my transunion report and XXXX credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the XXXX XXXX XXXX and XXXX i spoke with the credit agency XXXX XXXX  and they stated i owe nothing i noticed that they have a disorderly conduct that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX  and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. 

i have reached out to transunion and XXXX  three times starting XX/XX/XXXX and until this day this has not been corrected ...
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The accounts listed here MUST BE removed because they do not belong to me. I demand they be removed now because they are fraudulent accounts. This is supporting fraud, if the credit bureaus do not removed these accounts I will file a lawsuit. Fraudulent accounts are as follows : XXXX XX/XX/XXXX, {$120.00} ; US DEPT OF EDXXXX XX/XX/XXXX, {$1100.00} ; US DEPT OF EDXXXX XX/XX/XXXX {$640.00}.
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery was included in Bankruptcy back in 2013 and has falsely reported on my credit as being a open collection. I've called them and contacted all credit companies to dispute for 3yrs. At one point it was deleted but has returned.
Consumer complaint received 2020-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

An XX/XX/XXXX account contacted me offering to sell me their account for {$90.00} and I agreed. They asked me to pay via Paypal and set it as friend and family and I did. They then immediately blocked me after receiving the funds. Their XXXX isXX/XX/XXXX and the e-mail address associated with their paypal is XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00}.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (TX)

I have had this card for years. I pay it in full every month by using the AutoPay feature. 
In XXXX, I changed bank accounts. So I updated the account on their web portal with the new bank account information. 
The charges for XXXX and XXXX were deducted from my new bank account correctly. 
Then Fidelity did a system update in XXXX. After that, they pulled out my old bank account information and tried to get the XXXX payment from that account. Obviously, the account was closed by then and the payment came back. 
Now, for months, they put hold on all my payments. This was their mistake but they refuse to work with me to fix this. 
Every time, I make a payment, I have to call their customer service to get the hold released. 
This is unacceptable.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, in non-alignment with XXXX and XXXX, is listing my previous address as my current address and my current address as my previous address! This is a problem for it shows a discrepancy on my credit reports which shouldn't exist.
Consumer complaint received 2020-10-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

I contacted Navient in XXXX to recertify my income-driven repayment plan, Pay As You Earn. They did not inform me of the CARES Act, which would have automatically re-extended my IDR PAYE plan until XX/XX/XXXX with a {$0.00} payment. Instead, they sent me multiple emails requesting income documentation. I since spoke with XXXX, XXXX, this week, and I told her that I wished to have my IDR plan automatically extended until XX/XX/XXXX. She told me that it would be automatically extended, per the federal mandate. I then received an email saying that my IDR plan had been approved yesterday. I contacted XXXX, XXXX, yesterday on XX/XX/XXXX. He told me that my plan would begin the following year in XX/XX/XXXX for {$26.00} a month. I told him that this was illegal, that the representatives had illegally solicited information regarding my income in violation of the CARES ACT. I told him that my income could change due to massive layoffs related to Covid-19 and that this information had been illegally solicited by the Navient representatives in direct violation of the CARES Act. I told XXXX to please change my plan to the federally mandated recalculation date of XX/XX/XXXX. I told XXXX that it was not legal. This morning, on XX/XX/XXXX, I received an email saying that I had payments due in a week. 
" Your calculated IDR plan payment amount : {$26.00} Plan begin date:XXXX Plan end date : XX/XX/XXXX '' The actions that Navient has taken on my account are in direct violation of the CARES Act. Their solicitation of income information when my plan was not due to recertify for another 12 months on XX/XX/XXXX with a recalculation date of XX/XX/XXXX per the Cares Act is against federal law. I have tried to work with Navient, but their representatives lie to me, illegally soicit my income information, and they are in direct violation of the CARES Act.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS APPEARS ON MY REPORT AS A RESULT OF ID THEFT : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXXXXXX  OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES ARE ALSO A RESULT OF ID THEFT : XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ENCLOSED MY POLICE   REPORT AND ID THEFT REPORT.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states, '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and TransUnion are consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A financial institution by definition under that title.15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, XXXX, and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and TransUnion whether it be verbal, non-verbal, written, implied or otherwise is now revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option.

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and TransUnion are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2020-10-03
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)

The accounts listed below are fraudulent and out dated. The accounts listed here DO NOT belong to me. It has prevented me from obtaining gainful employment. This is supporting fraud and I demand that they be removed immediately. Fraudulent accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX, {$5600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX {$5200.00} ; XXXX  XX/XX/XXXX {$1400.00}.
Consumer complaint received 2020-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

In 2018, I closed my XXXX account over the phone with a representative because I moved. Few months go by, I received a alert that XXXX reported me to collections for a balance of {$500.00}. I contacted XXXX and found out the original rep that I initially spoke with never cancelled the account leaving it open to accumulate a balance. I advised XXXX that I called in to cancel and I returned the equipment. XXXX validated that the account should have closed and the equipment was received and the account balance would be adjusted. I disputed the debt and it was removed from my credit profile. 

A year later, I received another alert for the same debt with XXXX but with another collection agency. I disputed the debt and it was removed from my credit profile. This year in XXXX, I received another alert for the same debt. I contacted XXXX to see why this keeps getting reported. Nothing was ever adjusted. After, hours on the phone, no one was able to really help me. I had no other choice but to contact XXXX XXXX XXXX through social media which I have in writing that they adjusted my account and the account is at {$0.00} balance. 

This past month, I get another alert for the same debt. I contacted the collection agency and advised them that this is not valid and XXXX should have adjusted the account. I was advised by a rep at the Collection agency that XXXX adjusted the account but left the account $ XXXX cents. The rep advised that since there is a balance left it will still be reported as unpaid. 

At this point, I have made several attempts to resolve this issue and have no resolution. I have no choice but to file a complaint on this issue. I never received notification from XXXX of ever having a balance and was sent to collections multiple times. This inaccurate reporting affected me financially as it lowered credit score. I am currently trying to buy a home and with this inaccurate reporting it is causing me to pay more on my mortgage and my closing costs.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

The Chase BA credit card offers a promotional statement credit for 3 times per year for {$200.00} credit for a transatlantic reward flight. 

This has not posted 4 months later despite being told it would be a maximum of 45 days. I have sent multiple messages through their website. I have called and spoken to several representatives. I have provided documentation of their own promotion ( which some representatives seem unaware of ) and my flight details. I have been trying to get a resolution for months at this point.