davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (IL)

I traded my XXXX XXXX XXXX financed with Exeter in on approximately XX/XX/XXXX. My account was still open and active on XX/XX/XXXX so I gave them a call to ask why. They said they hadnt received my payoff. I called the dealership who said they sent the total amount of $ XXXX and some change via ACH on XX/XX/XXXX and they provided me with the lien release dated XXXX and a copy of the title as well as the proof of the ACH transfer. I spoke to no less than 5 people at Exeter that day who couldnt find this money and no one could believe the documents that I provided over and over. Finally on XXXX they applied my ACH payment and never explained where the money was lost. However, I had cancelled my extended warranty and gap insurance so the total payoff amount had reduced to XXXX when the credit was refunded to my account even though the dealer had sent over $ XXXX. The credit had been applied on XXXX, and the payoff had been sent on XX/XX/XXXX. My account statement showed the ACH transaction only paid off the $ XXXX to give a XXXX balance even though I was given the ACH receipt from the dealership showing a different amount. I inquired about that overage and asked why my account reflected an inaccurate ACH payoff amount of only the $ XXXX instead of the $ XXXX that was actually paid, but no one could explain it. I asked if i could get something in writing saying the overage would be paid to me and I was denied. I was assured I would have the overage check soon because it was an ACH transaction which clears immediately and I was told XXXX business days from the XX/XX/XXXX date is when I would receive my check, but that my account should reflect the overage by XXXX. On XXXX I still hadnt seen anything regarding the overage reflect on my still open account so I called again. I was again denied anything in writing regarding the overage and was told the check had been mailed on XXXX. Today, XX/XX/XXXX I called to follow up, and was told that the check has not been issued or mailed, that I have to wait 30 days from XXXX when they applied the ACH transaction for the check to even be issued and there was no way to expedite this. I need answers and an explanation.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

My capital one credit cards are not reporting on my Equifax credit report. I am also a authorized user on on someone else Capital One credit card and this card is also not reporting to Equifax ; but they are reporting to XXXX and XXXX.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, {$4800.00} was withdrawn from my account, to be returned to the SBA, despite being eligible for an EIDL loan and confirming this multiple times with the SBA.

As of today,XX/XX/XXXX, no funds have been received by the SBA. Where is my money?
Consumer complaint received 2015-11-16
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX/XXXX/2014 I made XXXX wire transfers to XXXX. After several agonizing weeks the money was transferred back into my account on XX/XX/XXXX and XX/XX/XXXX with {$1100.00} short. The bank stated the difference was associated with the difference in exchange rates and refuses to credit my account nor did they refund my wire transfer fees. 
I think the bank attempted to profit from the exchange rate change and never transferred the currency and returned the money in stead of taking a loss from the opposite rate maneuver.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, TransUnion, and XXXX are completely wrongly misrepresenting or recklessly claiming I should be punished with my most recent huge score losses based off of XXXX removing all my remaining student loan debt to XXXX abruptly looking as though I caused myself to be in debt again. Please correct my scores to JUST BEFORE they were in the XXXX.
Consumer complaint received 2021-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (GA)

The bill relates to XXXX XXXX XXXX by XXXX, XXXX XXXX  XXXX, XXXX Texas XXXX for COVID tests. Each test was {$270.00} or so. 

Our insurance company paid the bill, but insurance company reimbursement wasn't applied properly by XXXX. XXXX XXXX XXXX improperly sent our file to Nationwide Recovery Services. My wife spoke to a collector at Nationwide Recovery Services today XXXX XX/XX/11 XXXX and asked that they stop calling while we are trying to get it resolved. The collector said that wasn't possible. My wife called XXXX after speaking with the debt collection agency and said there was an error and they had not applied the payment properly. 

It is not clear if XXXX willfully is trying to charge twice for COVID testing. I also find it appalling that XXXX may be fraudulently trying to take advantage of COVID testing. It seems they should be trying to meet a higher standard.
Consumer complaint received 2016-01-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC (SC)

The debt was removed due to Identity theft with XXXX XXXX. XXXX XXXX sold the debt to JH Portfolio Debt Equi. My social security number was stolen when I was homeless and XXXX.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pollack & Rosen, P.A. (FL)

I had contact the office by phone more than XXXX time and the person that unswerving its very very rude, unfriendly aggressive and intimidating that I will be XXXX by them XXXX more time? 

We are all having a difficult time with This XXXX pandemic. To get job or just to keep it. 

I kindly asked for help with this office because they only wanted to scare and intimidated people in order to get the money. 

Its my first time that I see a company with so many complaints and bad reviews, Why they continue open? 

At the moment I had a debit of {$900.00} but after my last called I believe that they want more XXXX XXXX XXXX
Consumer complaint received 2022-02-21
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. (CA)

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES along with LATE PAYMENTS that were not my fault as it was a billing error on XXXX XXXX which caused multiple late payments throughout my credit profile. Please remove the negative items from my credit report immediately.
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (TX)

The CFPB website does not have a proper category for this ... ... 

On XX/XX/2018 I received a letter from XXXX XXXX, GC Services Limited Partnership, XXXX XXXX XXXX, XXXX PA XXXX, falsely claiming that we had agreed to a payment arrangement of {$200.00} per month. They also appear to use the address XXXX XXXX, XXXX, TX XXXX. 

I DID NOT. Any statement by any party to the contrary, verbally or in writting is a LIE. 

In fact, this was the first communication by this company. 

On this date, I am sending written demand that they never contact me again.
Consumer complaint received 2016-01-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo foreclosed on my property with no right to do so. They did not pay off the previous mortgage I did. I paid them back my own money and then they took my property my escrow my proceeds my income and a loan I have paid again included in a mortgage on my house. 
Wells Fargo needs to return all of the money I paid them including the escrow they collected on another property to which I made separate payments to another lender. And return the money they were not entitled from the foreclosure. 
They owe me more.
Consumer complaint received 2022-02-21
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: Resurgent Capital Services L.P. (CO)

Fraudulent Account : XXXX I have contacted LVNV Funding LLC, via XXXX XXXX and XXXX XXXX on several occasions to inform them that they opened credit card account with STOLEN information. I have provided a police report that states that my driver 's license was stolen. However, the response I have received states that the address on the license, is the same as what is on the account. No surprise given that this account was opened using stolen information. Because you have been unable to show me the drivers license used to open this account, I have retained legal counsel and can prove that I was NOT present nor living in the country at the time this account was opened and maintained with other accounts that were also opened fraudulently. We have direct communication from the banks to this effect. We have filed a new police report against your company stating that you used stolen documents and information to open this account. 
I was told to make contact once more with your company, to have them remove this account from my credit report, before contacting the courts. 
WARNING!!! I do have a copy of my passport which shows a " country stamp '', proving that I was out of the country i.e. The United States of America where this account was opened!
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (NE)

On XX/XX/2022 I sent an two dispute letters to all three credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letters on XX/XX/XXXX.
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

On XX/XX/2022 I sent an XXXX dispute letters to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over XXXX day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letters on XX/XX/XXXX.
Consumer complaint received 2021-06-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Since I bought my home back in XXXX my FHA monthly payment has been for $ XXXX {$1400.00} including hazards insurance. The differences reflect shortage in escrow. To my surprise in XX/XX/XXXX when I called to have them remove my PMI I found out that my mortgage company removed my Hazards insurance from my mortgage monthly payments without my authorization and I was left without insurance. I called my mortgage every day since I was told, I talked to escrow department, Escalation department, and with the Insurance department. they said I had to pay for my insurance to have them reinstate my insurance into my mortgage and I said no! they have my money that I been putting into escrow and they have my money. Now they paid my insurance and made me sign and agreement to have them put my insurance back into my mortgage, which I find disturbing because they didn't asked me to sign anything to have it removed. so, now my mortgage has increased to {$1500.00} to cover for the insurance they paid to farmers {$1400.00}. This is very unfair, since they removed my PMI I should be paying for my mortgage {$300.00}, so where is the benefit of having my PMI removed. They have my money in escrow to cover for the hazard insurance where is the money. All these years I have never paid no more than {$1400.00} including hazard insurance and taxes. 

Please advice, I have been very stressful trying to settle with my mortgage company and nothing gets done. I need your help and advice.
Consumer complaint received 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Consumer complaint received 2021-06-11
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. (IL)

On XX/XX/2021 I sent a FTC report to all of the three credit bureaus regarding fraudulent items on my credit report. To this day over 56 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 56 days so they should be deleted promptly. I demand these item to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (TX)

I made a payment to XXXX XXXX Mortgage that was drafted from my XXXX checking account on XX/XX/XXXX in the amount of {$4700.00}. Pacific Union is stating this was return for Non Sufficient Funds. However, the money was drafted from my account and I am attaching my checking account statement that proves that the money was indeed drafted and never returned. The funds have not been returned to my checking account and have not been applied to my mortgage. I have called about 20 times and get a different answer every time I call. I opened a complaint with the XXXX and Pacific Union replies with irrelevant information such as previous payments, current  balance, etc. I supplied them with the same checking account statement I am providing during this complaint and it clearly shows the funds were taken out of my account and not returned.
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

We received checks in my name with a fake phone number but at a former address I have used from TD Bank. We also received a letter of denial from XXXXXXXX XXXX XXXXXXXX XXXX that said someone submitted an application in my name to open a premium online savings account. This account was not opened due to a denial from XXXXXXXX XXXX based on the fact that they could not verify the identity of the applicant. I did not attempt to open either of these accounts. The XXXX XXXX application denial was dated XXXX. The checks from TD Bank arrived in the mail last week to an address I formerly lived at.
Consumer complaint received 2018-06-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XX/XX/2018 XXXX XXXX XXXX XXXX. XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Theft XXXX XXXX, On XX/XX/2018, what shouldve been a simple request to wire funds from my XXXX Equity Line of Credit account to an Equity Line of Credit account managed by Bank of America, your employee with assistance from a Bank of America employee intentionally sabotaged the funds that were to be wired to my Bank of America Equity Line of Credit account. 

Bank of America intentionally returned the funds to XXXX in order to exact a {$40.00} fee in addition to XXXX {$20.00} wire fee. All excuses specific to why the funds were returned were blatant lies, lies in retaliation for a prior complaint that I filed with the Consumer Financial Protection Bureau against XXXX and Bank of America. 

Even though the theft of my {$60.00} is disheartening, having to go to a XXXX branch and be forced to argue with a XXXX employee about poorly trained XXXX employees was a very scary time for me. A XXXX man, arguing with a XXXX  woman in a bank caused me to be in fear for my life. 

Moreover, if your employees needed a laugh and decided to have fun with the XXXX, then, I sincerely hope that your employees have satiated their constant cravings for XXXX amusement. Ha! Ha! Ha! .You have a nice home and a financially rewarding job. Do you really need to XXXX me in order to acquire more money? 







Cc : XXXX XXXX XXXX-CEO Bank of America XXXX XXXX XXXX. 
XXXX XXXX, MA XXXX XXXX XXXX XXXX- XXXX Branch Manager XXXX XXXX XXXX XXXX 
XXXX XXXX, Md. XXXX-XXXX
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. I have no knowledge of the debt whatsoever please remove from all 3 credit reports. Total amount owed is {$0.00}. Ive already disputed with all 3 credit bureaus.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

My mortgage was transferred from XXXX XXXX to XXXX in XX/XX/XXXX. My mortgage was suppose to include escrows. XXXX stopped collecting escrows for RET and Insurance. I called them multiple times and send an email, both to their corporate email address and the secure messaging service. I was told this would be resolved but it has not and now my taxes are past due ( XXXX shows enough funds in the escrow to make the installment ). The mortgage was transferred in XX/XX/XXXX and the new servicer doesnt show the escrows being required. 

Furthermore even though I had an insurance policy in place, XXXX put in force a XXXX policy using my escrow funds when they took over the loan. My agent provided proof of coverage over the last year, and although they showed the new policy in effect they have yet to refund me for the policy they put in error. 

XXXX refuses to address these concerns primarily the insurance policy issue. My new servicer is telling me this needs to be resolved by XXXX and not sure what to do.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please remove this fraudulent account from my credit report, as it is not associated with me. I request that you conduct an immediate investigation and remove any other inaccuracies from my credit report.
Consumer complaint received 2019-07-30
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)

I contacted all creditors in this Matter XXXXXXXX XXXX XXXX and XXXX and informed them that my identity, wallet was stolen and fraudulent activity took place while I was oversea in the Military. I have filed police reports submitted consumers reports and the debts were removed and return. The debts are not mine as they are fraudulent. On ( XX/XX/2017 ) I discovered ( negative credit items with XXXX XXXX and XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. The data is wrong and both the reporting agency and bureau are not following guidelines adhering to FCRA. If this matters are removed I will have not choice but to file a lawsuit against all parties involved.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( Equifax, XXXX and XXXX ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.