davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

This mortgage loan was paid off in XX/XX/2020. 

This was a mortgage on a Co-Op in the state of XXXX XXXX This was not a conventional mortgage. The mortgage company is located in XXXX XXXX. 

I have been trying to resolve the following issues for over a year without success. 


XXXX. I need New Rez to file a correct XXXX Mortgage Satisfaction document with XXXX XXXX clerk ( my name is misspelled ). 

XXXX. I need New Rez to return my original Co-Op XXXX XXXX as required by law XXXX. I need New Rez to send me Correct, Completed Mortgage Satisfaction documents to supply to the XXXX XXXX I am seeking help for these issues as I have had no success in resolving them directly with New Rez Customer Service. 

With out these documents, I can not sell my property. 

Thank you for any assistance you can offer.
Consumer complaint received 2021-11-18
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. (FL)

I call Experian and sent certified Letters and file with FTC explaining to them XXXX XXXX Bill is a fraudulent account. This account dont belong to me at all. XXXX XXXX {$7400.00} balance XXXX XXXX
Consumer complaint received 2022-10-12
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. (NC)

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-10-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (IL)

Hello, I have received multiple phone calls from " Diversified Consultants ''. When inquired about the nature of the call, the lady told me it is a for a personal business matter regarding my wife. I have asked twice now with two different employees to elaborate on what kind of personal business matter. Neither would chose to do so and hang up. One is named XXXX XXXX. The second is named XXXX XXXX. Neither of two is very willing to share any information except implying it may be a debt collection. I do not recall owing any sort of debt. I have searched for the company and found them to be associated with many scams. If a debt is owed, I would like proof. Otherwise I do not want them to call again. Thanks
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 
15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. 
Bank of America has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Bank of America has disabled accesses to my account but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 
15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2021-11-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC (GA)

My complaint is regarding JHPDE Finance 1, LLC. They show two collection accounts on my credit report, one for {$1100.00} and the other for {$1400.00}. 

First : I have never received any written or verbal notice of : 1 ) the debt or my ability to dispute the debt ( in violation of the FDCPA ) ; 2 ) the Company 's intent to collect the debt ; or 3 ) information that the debt ( if it exists ) is owned by the Company.

The debt simply showed up on my credit report without warning. I've never been provided an account number or an opportunity to speak to anybody with the Company.

Second : I have called the company multiple times over the past six months in an attempt to speak to somebody at the company regarding the debt ( i.e., obtain verification of the validity of the debt, discuss options, etc. ). 

Each time I've called nobody has answered but I eventually reach a voicemail regardless of the time of day I'm calling. So, I've left a voicemail each time explaining that the debt is on my credit report but I don't have an account number to leave with the voicemail. I ask that somebody from the Company call me back ( and I provide my phone number ) and state that I will happily verify my identity when contacted. I've also asked that if they can not call me due to privacy concerns they will mail a debt verification letter to the address of record. To date, I have never received a call back or piece of correspondence related to the alleged debt. 

Third : I have filed multiple credit disputes through the credit bureaus requesting debt verification be provided or that the debt be removed from my credit score. The Company has responded to the bureaus indicating that the debt is valid, but has not provided any additional information to the bureaus or myself. If the Company can not ( or refuses to ) verify the debt to the alleged debtor, they should not legally be allowed to continue to report the debt as valid. This is negatively impacting me and I'm not being afforded any opportunity to resolve or defend myself.

Fourth : The telephone number ( s ) for the Company are constantly changing, which is proving to make repeated attempts to contact the Company to be unduly burdensome. If an ( alleged ) debtor can not readily get in touch with the " creditor '' this seems to be an unfair practice. How is a debtor supposed to manage or resolve an obligation if the creditor 's contact information is repeatedly changing?
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

On XX/XX/2021 Someone fraudulenty opened a Citi card in my name. Trying to get the correct Citi card support number to call is frustrating at best. First thing they want me to enter into the phone is my SS #. NO!! No option for fraud just enter the card number ( that I don't have ) or SS # in order to talk somebody overseas. Right off the bat I don't think they are legit. Who knows if I called the right number there are dozens of them online. Finally got the card closed by hanging up on the first person who insisted I give my SS #. The second time I called I got someone who spoke English and finally closed the account without asking for all the info they should already have and assured me I would receive a report stating it was closed along with a survey. I then filed a report with the FTC and now here. I also opened a free online credit monitoring account with XXXX. I don't know what else to do. Credit card companies need to stop asking for SS # to identify me and provide an opening option to report fraud. I am not going to give the guy from XXXX all the info that was just used to fraudulently open a credit card in my name a second time. I just had to provide that info through prompts on the phone to get to him. Finding the support number to report fraud should easier to find online then it is. One number!!!! Not 12 different ones!!
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (VA)

I applied for SCRA benefits as XXXX XXXX sent orders and was told I do not qualify but yet their website offers SCRA benefits for military. I also belong to an SCRA XXXX XXXX so I know they pick and choose who they apply benefits to and who they do not. they say it does not qualify as a loan but SCRA applies to all things that accrue an interest rate and specifically requires that we do not get charged over the 6 % percent cap for SCRA. Best egg tries to avoid doing this on many accounts and many occasions but also applies to some people and not others so that is not fair. if you say it does not qualify for loans then you should not apply to some customers and not others. I have sent orders numerous times to have the interest cap on my loan which 21 %. It should be lowered to atleast 6 % for SCRA benefits for military. since acquiring this loan I have already paid {$640.00} in interest alone in XXXX year. I would like my SCRA benefits applied to this account or I will have to involve a XXXX lawyer and the state attorney general office. You can not as a company pick and choose who you apply the benefits too if all qualify. You can not say to others they do not qualify and you apply it to other loans. I have sent orders numerous times and my benefits should have been applied in XXXX when I sent the orders after I received the loan which I qualify for. 
XXXX Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). 
Also, Ohio extends SCRA benefits for debt incurred WHILE active duty. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. 
Due to these circumstances, I would qualify because of the unique protection that Ohio has for XXXX XXXX families. According to the SCRA : A creditor must forgive not defer interest greater than XXXX percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a XXXX percent interest rate cap. Id. at 3937 ( a ) ( 3 ).

its says all debts and all creditors which means I qualify for the 6 % interest cap. no where does it say it does not apply to loans. I have sent emails and faxes numerous times in XXXX and mailed orders in XXXX and XXXX still no response to recent ones sent.
Consumer complaint received 2021-11-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2017-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I am filing this complaint agai nst US Bank Corporation. I h ad an account with this bank. I was never contacted that there was an issue with the account. The bank reported me to chexsytems before contacting me and allowing me to resolve the problem.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish can account without my written instructions under 15 USC 's 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 2022-03-25
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. (FL)

In XXXX with the fair credit reporting act XXXX XXXX XXXX  deleted my one acct and I am still paying on the acct with account number XXXX. XXXX XXXX with XXXX XXXX and she stated the one account is deleted and paid off. the second acct is with XXXX  and ends with XXXX XXXX and I already made payments for it. But the other XXXX XXXX needs to come off the credit reports all three. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. Thanks XXXX XXXX
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SoLo Funds Inc. (TN)

On XX/XX/year> I lost my debit card and had to cancel and order another card. I contacted Solo Funds and let them know that once I received my new card I would add the card to my portal and repay the loan. I remained in contact with them when they reached out to me. When the card arrived I attempted to add the card to my portal but I kept getting error messages. I called Solo left several voicemails no one returned my calls. I sent several emails and no one responded for several days. When they finally emailed me back they sent me a XXXX invoice asking me to to repay. I told them I would not pay through XXXX because I have had fraudulent charges from them in the past. I asked them could XXXX setup a payment plan and no one responded. I sent them a email three or four times with no response. I reviewed several complaints from other borrowers on the XXXX website stating that they had issue when they attempted to add a new debit card. I am not trying to get out of paying this but I need to make payments until it is paid in full
Consumer complaint received 2017-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On Saturday, XX/XX/XXXX I noticed a fraudulent debit pending in my checking account. I reported the transaction to Wells Fargo 's Fraud Department. It appeared that someone had paid a bill online using my checking account information. Wells Fargo advised me that it could have been the result of transposed numbers and that they would reverse the debit. On Tuesday,XX/XX/XXXX, additional fraudulent debits hit the account, similar to the first one. Wells Fargo closed the account and did what they called a " lost/stolen transfer ''. I was told that they would not allow any new fraudulent electronic debits to post and received an email with a list of previous electronic debits that were not fraudulent that they said they would allow to post. I began to use the new bank account, but on Friday, XX/XX/XXXX, received an email that my new account was overdrawn. I immediately called Wells Fargo and was told that they had allowed at least one more fraudulent debit to post. I was told by the Wells Fargo agent  that they should not have done a lost/stolen transfer, but closed out the account altogether. On Saturday, XXXX XXXX, Wells Fargo opened a third account for me. I was also advised that they had paid two more fraudulent debits. The second account remains in negative status, is assessing overdraft fees and only the first fraudulent debit was reversed. I was told on Monday, XX/XX/XXXXthat it would take 7-10 business days for Wells Fargo to process the fraud claim and refund the money to my account. However, the remaining fraudulent debits occurred as a  result of the fact that Wells Fargo allowed the transactions to post after they were notified about the fraud and had advised me verbally and in writing that they would be rejected. I 've spent over eight hours of billable time trying to resolve these issues and, as such, it has affected my business and my clients.
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (AZ)

I signed up for a XXXX Secured account ( paid {$300.00} ) but was n't made aware of the {$35.00} annual fee so when I got the 1st bill, I called the bank rep who sold me this product and cancelled the card because I NEVER sign up for cards w/annual fees. I did charge {$58.00} so I asked for my {$240.00} in writing on XX/XX/2015 and have yet so receive it even after attorney letters went to them. They did send XXXX cks ; XXXX for {$120.00} and the other {$55.00} but those cks add up to {$170.00} and were not cashed. So where is my full {$240.00}?
Consumer complaint received 2021-11-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LoanCare, LLC (TX)

My mortgage was in forbearance through XX/XX/2021. I was placed on the covid-19 defferal option with a first payment due in XXXX. I made the first payment due after forbearance on XXXX XXXX, XXXX. Today XXXX XXXX, i received a statement showing that the XXXX payment wasn't applied and the XXXX payment due will be for XXXX and XX/XX/2021. This company is very uncoordinated in its response as i also keep getting inundated with calls to contact them to bring the loan current. I've already contacted them, the loan is current, i have made my first payment post forbearance and yet this...
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP (AZ)

Used credit card to make purchases. Paid full amount of purchases before end of billing cycle also paid minimum monthly due in addition to paying off new purchases. They applied my minimum monthly payment to zero interest balance. Said they applied above and beyond payment of minimum amount to new purchases. Yet 2 months in a row they charged me interest on purchase 's that had been payed in full and then some. Example I made {$440.00} dollars in purchases and paid {$550.00} which included the {$55.00} minimum payment. Yet the show I have balance with interest of 17.99 % in amount of new purchases accumlated on card. They claim over and above minimum goes to pay the higher interest rate on new purchases yet instead increase the balance at 17.99 % which should be XXXX.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (FL)

I opened a Apple Credit Card back in 2021. I never used the card, couple month ago I found a XXXX $ transaction that I disputed. The credit card company refunded the charge and corrected the balance incompletely. For some reason they left a XXXX $ balance that I have being trying to correct for the last two months, but the credit card company refuses to cooperate. They reported the XXXX $ balance to my credit history as a late payment. By refusing to correct their mistake, the Credit Card Company continues to cause damage to credit history, which as a result creates issues for me the obtain any funding.