davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp. (FL)

After losing my job in XXXX of this year, I was struggling to pay all my bills to include my car note. I was four payments behind, but on Wednesday, XX/XX/2018, the company received two car payments and a fee for an extension. I was informed by the company that the extension would allow two of the delinquent payments to be posted to the end of the loan. 

My car was repossessed on Saturday, XX/XX/2018, due to me not receiving the extension that was promised. 

I immediately contacted the company and was told that if I wanted the car returned, I would need to payoff the car loan in the amount of more than {$15000.00}. I asked for a manager and complained about paying monies for an extension that was not honored. 

I was then given the opportunity to pay {$2000.00}, to get the car back. 

The company is XXXX XXXX and the supervisors names are XXXX XXXX and XXXX XXXX. The phone number is XXXX.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (TX)

I recently received a copy of my credit report and I have found the following items listed below to be in error Pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ) which states that the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments, account balance, collections, repossession, status, and utilization is considered a credit transaction or an experience between the consumer and the person making the report.

I am opting out of any all authorization given to report to any third party any authorization verbally or non-verbal, written or non written, indirectly or directly, I am now rescinding that authorization pursuant to 15 U.S.C 6802 6809 ( 4 ) ( a ) and 16 cfr 313.2 and it also states that I have a right to privacy I have the right to opt out of my non public personal information being shared with nonaffiliated third parties such my credit transaction.

Pursuant to the privacy Act 15 U.S.C 552a and 20 cfr 401.25 the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; I never gave you EXPERIAN any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN has caused severe damages and anxiety due to the abusive and unfair practices. This is now impeding on my life and familys lives.

You, EXPERIAN should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and intentionally cause harm to consumers.

Since you Experian and whatever creditors paying for your reporting services Has violated the FCRA 15 U.S.C 1681 that the consumer credit transactions and experiences between the consumer and person making the report are illegall on credit reports because they will violate The Privacy Act of 1974 which state that my financial transactions which are my credit Transaction & any experiences between me and any person making the report is my privacy which is not public information and should not be shared with or by any Agency & if shared with out my consent is a violation 15 u.s.c 1681b ( 2 ) and infringement to my right privacy.

I demand removal of all late payments, collections, Balances and repossession be removed from my comsumer report, and for account to be updated as paid/current, Within 10 days pursuant to 15 U.S.C1681a ( 2 ) ( A ) ( i ) 15 U.S.C 552a & 20 cfr 401.25 The privacy Act of 1974 failure to amend is a violation of 15 u.s.c 1611 and 15 u.s.c 1681n
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I recently closed on a mortgage loan with Wells Fargo on XXXX XXXX. As part of the closing, I was offered a discounted single payment PMI amount and chose to proceed with this payment of {$4700.00}. The representative failed to inform me of all of the possible ways to remove PMI which would include reappriasing the property or refinancing. Witholding this information strictly limited my ability to choose the option that was best suited for me and indirectly led me to choosing an option that was favorable for the firm.
Consumer complaint received 2024-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (TX)

Every year since I have purchased this house. My taxes have changed. Which is understandable. What is not understandable is that this year. Loancare had to pay additional taxes to ward off a foreclosure of back taxes. why should there had been any owed back taxes because I faithfully pay whatever amount they tell me to pay. But today was truly enough. I was advised for the first time that there is an additional parcel of land which does not reflect my loan closing documents. Every month it is something new and that is not right for me as a consumer. I feel like I am being taken advantage of and my mortgage lender is not properly doing their job and someone needs to look into this. This is very over whelming to me as a consumer.
Consumer complaint received 2018-10-21
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: Experian Information Solutions Inc. (VA)

" " '' I have disputed this Account on this XXXX XXXX XXXX   XXXX for months.XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CO)

XX/XX/2015 I changed phone service provider/carrier & service was terminated from this previous service carrier/provider. 
XX/XX/2015 This debt collection suddendly appeared on my credit report ( fictitious service for XX/XX/2015 ) without any contact or notification whatsoever from the company or debt collector at all of owing this debt..
Consumer complaint received 2018-02-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (NY)

The dealer who handled my documents did not properly transfer the title, leading the vehicle to get repossessed. He misused my Identity ( ID fraud ) In the interim, he prolonged the time in correcting his mistake, resulting in the car to be sold. I then contacted the initial financing company ( Westlake ) explained the situation and provided them with documentation. Because I was left without a vehicle after financing it, I went to the Dept of Motor vehicle and put in a complaint. Upon the DMV 's instigation, the dealer was fined for faulty practices. I have contacted the collection company in regards to this matter as well as Westlake Financial to properly report on my credit report. I gave Westlake the police report, showing the vehicle was repossessed due to the title not matching the plates and then sold and I had no longer possess the vehicle. XXXX stated they will not collect the balance on this account because I provided proof of the fraud that was committed. However, they continued to report this fraudulent debt on my report.
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Selip & Stylianou, LLP (NY)

The debt collector ( Selip & Stylianou , LLP ) collected exempt funds from my checking account. Ive tried to contact the collector about the matter, but the collector has failed to respond.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2017-06-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FORD MOTOR CREDIT CO. (FL)

Ford Motor Credit  is deliberately evading my complaints. I have provided them with my information directly and through each of the major credit reporting agencies. I included copies of my credit reports when complaining to them directly. Each time they verified their reporting without demanding more information.  <P/> I then complained through this forum, and they responded with the outright misrepresentation that they could not address my complaint because they were unable to identify me. This time they insisted I provide my social security and my account number and did not address the merits of my dispute.   You responded by closing my complaint, thus allowing them to evade any review at all by you. This is an outrage! How impotent can the Bureau be???  <P/> The CFPB is useless if the company may blatantly lie and say they ca n't identify the consumer and that 's all that needs to happen for you to close and them to dispose of the dispute. Even if you ignore all the information I 've provided the company directly, through you I provided my name, address, email and date of birth, which is more than adequate for a 3rd grader to figure out who I am.  <P/> Lastly, I do n't know the " account number ''. My original complaint is that I do not know what this is about! If they can not tell me and match me up with a valid account number, their legal obligation is simply to remove the tradeline reporting it. Shame on them for giving me the run around and shame on you for not fulfilling your purpose and even trying to stop it
Consumer complaint received 2019-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc. (TX)

This is about website and app " MoneyLion '' https : //www.moneylion.com. The app claims to be a financial app that allows you to create an " investment account '' to save/invest starting with small sums of money, however, once the account reaches {$150.00}, there is no way to retrieve the deposit of {$150.00}. There are many other questionable " membership '' practices involving applying for a receiving a loan that seem non-standard practice at best, requiring XXXX XXXX monthly membership fee to access *repaying* the loan. There are no clear indications anywhere on the website nor app that show {$150.00} of your deposited funds will be restricted from withdrawal. When MoneyLion was repeatedly contacted by phone, there are no humans answering, through a vague and redirecting automated menu. Contacted by email has led to no response, and online " chat help '' redirected to the XXXX number ( XXXX-XXXX-XXXX ). Also, I am unable to access anywhere my actual account number on the " Investment Account. '' I can only provide the associated " Checking Account '' number.
Consumer complaint received 2018-08-19
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. (MD)

Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that XXXX XXXX ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, XXXX XXXX never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the XXXX credit card collections department with no success. XXXX has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on XXXX 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with XXXX. I do not understand why XXXX would allow my credit scores to be so badly damaged by a single oversight.
Consumer complaint received 2018-10-20
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: CITIBANK, N.A. (FL)

Received phone calls last week on persons trying to open accounts under my name with XXXX and Citibank.realized only today an account was opened with XXXX XXXXXXXX XXXX
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AL)

I was a customer at Wells Fargo for a while and I had a checking and savings account with them and I asked for my accounts not to be linked nor to move funds from my savings to my checking if the checking account is low on funds or empty but the keep allowing this to happen which but me in the negative with both accounts. I was I was left with a lot of overdraft fees which caused my account to be closed.
Consumer complaint received 2018-08-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lincoln Educational Services Corporation (FL)

Creditor Information : LINCOLN TECHNICAL IN is reporting on my credit profile what the credit has been removed once before the LINCOLN TECHNICAL IN does not own a location in FL and LINCOLN TECHNICAL IN has agreed to permanently removed the inaccurate credit reporting. I have attached the locations of the school locations furthermore proving validity.
Consumer complaint received 2018-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Manhattan Beach Venture, LLC (ID)

TO : Department of Education RE : 2nd Round Dispute XXXX Grants XXXX XXXX Date : XX/XX/XXXX After raising XXXX kids, working in the XXXX  and XXXX XXXX, I decided to work on my goal of getting a college degree. I pursued a degree in XXXX and currently work as a XXXX in a XXXX XXXX in Idaho. I financed my education through XXXX grants and student loans. In XX/XX/XXXX, I received {$3500.00} in XXXX grants. In XX/XX/XXXX, I received {$2000.00} in XXXX grants. In XX/XX/XXXX, I received {$2000.00} in XXXX grants. In total I received {$7500.00} in XXXX grants. I graduated   from XXXX XXXXXXXX University on XX/XX/XXXX. 
To receive the grants, I participated in the XXXX XXXX XXXX. I read and signed the service obligation agreement. Part 2 of the service obligation states that, I must confirm to my XXXX grant servicer in writing within 120 days after I have completed or otherwise ceased to be enrolled in a program for which I received a XXXX grant that 1. I am employed as a full time XXXX in accordance with the terms and conditions. 
2. I am not yet employed as a full time XXXX, but I intend to meet the terms and conditions of my service obligation as described above in item 1 of this section.

Also, every year requires an annual certification form signed by the school administrator. 
My official graduation date was XX/XX/XXXX. The date to certify should have been XX/XX/XXXX ( 120 days after graduation ). However, somehow the certification date was changed to XX/XX/XXXX. Also, the annual certification date should have been XX/XX/XXXX. On XXXX XXXX XXXX, my XXXX  grants were converted to loans. I questioned this conversion, the timing of it, and wrote a 1st round dispute requesting the newly converted loans be returned to XXXX grants. This request was denied. 
I am requesting a second time that the {$7500.00} in XXXX grants plus interest that was converted to loans be returned to the XXXX  grant status.
Consumer complaint received 2018-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (PA)

Made a formal statement with Ability Recovery Services LLC on XX/XX/2018. Explaining to them that I was XXXX at the XXXX XXXX XXXX in and around the time these services were provided. I asked for proof of a itemize bill. The debt collector refused to send it to me. After calling numerous times they finally agreed to send me a bill. Instead of sending the itemized bill they sent one of their cover letters with an attached payment slip at the bottom of paper.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: West Coast Servicing, Inc. (OH)

wanted modification on mortgage had to get mediator then when asked for modification was told they would but only to raise exisiting loan amount then was told to give deed in lue and given 3 months to vacate home they keep changing fees during payment amount every month they are private invester are there laws the same as every other company.Any way i was working when i became XXXX and lost wages and had to go on XXXX know my income dropped by over half my pay days so i was trying to get payment that was in range of my XXXX but was told that that was not possible and to catch up on past revenue they had me at XXXX in the rears and wanted it up front, who has XXXX laying around anyhow they were supposed to give us XXXX to keep house up and help us find new place to live there is really nothing out there in range of my monthly income what do i do know.help
Consumer complaint received 2018-10-20
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: Experian Information Solutions Inc. (FL)

The inquiry was made by XXXX XXXX XXXX on XX/XX/2016. I do not recognize this inquiry and it should have been removed from my Experian consumer report because it is over 2 years. I contacted the inquirer but they have not remove the inquiry from my consumer file yet.
Consumer complaint received 2024-03-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

I received this letter XX/XX/XXXX informing me of the debt and that I had until XX/XX/XXXX to respond. Today, XX/XX/XXXX, this debt has shown up on my credit reports before I could submit a dispute. This debt was just assigned to this agency in XXXX and I wasnt notified til weeks later. They moved too quickly in the process putting it on my credit report.
Consumer complaint received 2019-05-07
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: Experian Information Solutions Inc. (MO)

I have hard inquiries on my credit report that's not mine and unauthorized and would like to have them removed asap. It's so many dates that it's unreal that type of stuff could happen