davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
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. (TN)

I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on my credit after it was sold a transferred to a new entity. Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC (MA)

Already submitted complaint via phone. XXXX says they did not receive payment, but I have proof of payment. Nearly impossible to get live person on the company phone. My credit has been impacted and late fees need to be removed.The Loan # is XXXX
Consumer complaint received 2019-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NY)

ALDOUS Collection agency is reporting an account in collection. This account was paid off ( it means it is not longer in collection ) and stills showing in collection. 
Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2018-12-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NV)

Helloo.. 
My name is XXXX XXXX, I signed up with XXXX XXXX XXXX XXXX XXXX and put {$150.00} plus 5 more payments plan which is equal {$750.00} And I just find out they are a total scam. They stole money from me and I just want it back to put towards my actual loans please. Anyone have any information on how to get our money back?
Consumer complaint received 2018-12-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (TX)

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX is sendjng me denial lettera of inquiries i never made - then sent another that my dad did get approved for butnsaid they needed his deposit that thwy nwver received it and lied untik my dad threatened them then he got card within 2 days ... i have a bunch of

opened XXXX XXXX cards in good standing but i never opened them or paid them and alot of recent medical bills are hurting me ans i never went there .. i wrote XXXX XXXX with one of the complaint forma ans ... i just need an auto loan but i dont know whats affecting me from getting ome when i make great money i sent both letters of fraud to XXXX XXXX along with a complaint form that i will sue if they keep reportjnf incorrectly .. XXXX XXXX and XXXX XXXX opened in XX/XX/XXXX i never opened the type says debt buyer and creditor XXXX - and they havw NB by everything .. thats a big hit .. i havent contacted them dont even know who to contact ..balance started at {$1400.00} and charged off at {$1400.00}. midwest recocery same thing never went balance started ar {$1000.00} and has ND and CO at  {$1300.00} that one is a medical bill someone must have went in as me not sure - that says XXXX XXXX ..is also right under it a high balance medical bill i never went to i have always had insurance ... and now i just got out of XXXX  my car got stolen and i was involves in data breach with XXXX  many years ago and i havent used or meedes to use my credit in almost 10 yeas and i go apply for a XXXX XXXX XXXX   and found out about my bad credit and i am a XXXX XXXX it was embarassing - please help me get an auro loan. i have disputed them with XXXX  waiting on answer back and i sent via mail with id social and another form of identificarion ... XXXX this is also prevenjng me from joining XXXX who ny whole family banks with plz help - i am XXXX  have a bad XXXX XXXX record but i need a car because im trying to finish up a XXXX  in XXXX XXXX.
Consumer complaint received 2022-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I was assigned a " Home Preservation Specialist '' by Wellsfargo. During our initial meeting, I mentioned I had been sent a letter from Wells Fargo about being automatically given the option to take the FHA standalone partial claim option, which takes the missed portion and lumps it at the end interest-free, so you aren't paying interest on that extra amount that was missed which helps save a LOT of interest over the life of the loan. 
I was curious to see what the loan modification option was and how low the payments would be, but she said in order to see the loan modification, I had to turn down the standalone partial claim option, The thing she failed to mention was that apparently you all have a rule that once you turn down an option you can't go back to said option, which was not communicated by your associate or mentioned anywhere in the documentation provided. 

And trust me. 

I've saved it all. 

The Mortgage Counselor then called a few weeks later with an update about the loan modification, that they were almost done but she had the initial numbers for me and listed them off. I wasn't really impressed with the new numbers so asked to just take the standalone partial claim offer and THAT is when she decided finally tell me " Oh ... ... .you already turned that down, you can't go back to that option now. Once you turn it down it's gone. '' That's not in writing ANYWHERE ON THE INTERNET that I can find about not being able to go back with that option, and I figure this is Wells Fargo putting in place a rule because the loan modifications are in their favor and the partial claims are not. 
I have a 30 year fixed FHA loan, XXXX at 4.5 %, They offered me to lump all the missed payments into the loan so like XXXX at 3.875 % over 40 years, which tacks on about XXXX worth of interest over the life of the mortgage. 
This is just a way to milk way more interest from consumers knowing statistically most consumers only pay the minimum. Luckily, I do not, but yea, I want the FHA partial claim offer I was originally offered and legally you can NOT offer it to me because your associate forgot to do part of her job and inform me that once turned down you can't go back. which ... .again ... .is a rule you all made up. 

My loan number is XXXX, My Housing preservation specialist 's name is XXXX XXXX. I've filed a complaint with the FHA as well and will be approaching media outlets with the story within the next few weeks to start finding others who've been harmed by this rule.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My wife and I refinanced our mortgage XX/XX/XXXX with HSBC. While at the closing we were informed this was a consolidation, modification? My wife and I were originally under the assumption this was a complete refinance of our mortgage and paying off our line of credit. We started to review our paper work and start to research what should have happened. We were overwhelmed trying to make sense of the laws and regulations for mortgages. We then started to speak with an individual XXXX XXXX XXXX XXXX we met through someone else and he helped to explain this very complicated process a mortgage and promisary note are " suppose '' to go through to be valid. XX/XX/XXXX we ( my wife and I ) decided to sit and speak further XXXX because we were concerned about the future of our mortgage. XXXX sat with us and began to explain what we could do to request the information from HSBC and the laws they ( HSBC ) needed to comply with. Shortly after meeting XXXX he started writing letters to request things to validate our mortgage. We continued to pay our mortgage and requesting information from the Mortgage Company HSBC. They were not compliant in providing the things we asked for. We are looking to file a complaint against HSBCXXXXMortgage Services Center for not complying with the " Fair Debt Collections Practices ( FDCPA ) '', " Real Estate Settlement Procedures Act '', " XXXX XXXX Act and violations of the XXXX Reform and Consumer Protection Act.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I made a XXXX XXXX reservation, XXXX rooms on XX/XX/XXXX, a total of {$770.00}. I pre-paid for these reservations at XXXX 's insistance, via XXXX to XXXX to be taken from my checking account directly in XXXX payments of {$190.00}, every XXXX weeks. On the date of my last payment of {$190.00}, XX/XX/XXXX, I was made aware of a health issue ( XXXX XXXX ) that I am currently going thru steps to identify, possibly XXXX XXXX. I could not make the trip to XXXXXXXX XXXX with friends. 
I contact XXXX to cancel and get a refund. They denied the refund stating that it was at the XXXX 's discretion, also stating it was because it was pre-paid. I made several attempts to contact the XXXX directly, first call was disconnected and XXXX was sent to voicemail of the XXXX which I never received a call back. 
When I contacted my bank Chase Bank, on the advise of XXXX ( with whom I also filed a complaint that they denied ), Chase Bank advised me they could not help me with my refund due to it having been a ACH transaction. If I had paid directly with a credit card or debit card, they would have been able to get my money back. 
I find this very disappointing, especially now that I am probably looking at a mountain of medical costs in the very near future. 
This issue was discussed during my call with Chase Bank.
Consumer complaint received 2017-08-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NJ)

Comenity bank called my house sunday XX/XX/XXXX at XXXX,XXXX,XXXX after being told several times not to call. They are calling over a {$25.00} late fee that was deducted causing my bill to be late they call more then 5 or 6 times daily they are harassing.
Consumer complaint received 2017-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENOVA INTERNATIONAL, INC. (UT)

This company northwood asset management has repeatedly contacted me and other 3rd party persons not associated with the person they attempting to collect a debt from. When asked to stop and told they can not call us they have threatened and used obscene language and threatened us. When told this is not the number to contact said debtor they insist we must give them information about us and the person they are attempting to contact.
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

XXXX  closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used XXXX  quite frequently. My email linked to my XXXX is " XXXX ''
Consumer complaint received 2018-12-22
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. (OR)

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX   ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  XXXX ( Original Creditor : XXXX ) XXXX, XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (AR)

XXXX XXXX, This company has on multiple occasions now, tried serving my XXXX, instead of me. In their debt collection lawsuit against me. They Have gone to his house and informed my XXXX  all about my debt, and even named his name in the court papers. Its happened twice now. We even have different middle names, but for some reason they cant get it right. Its embarrassing and I wish they could be more professional and do their research. XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX
Consumer complaint received 2022-04-13
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. (NJ)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX, XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Auto Finance XX/XX/2023 Capital One Auto Finance XX/XX/2023 Capital One Auto Finance XX/XX/2023 Above hard inquiries were done without my consent or knowledge. These hard inquiries on my credit were not authorized by me. Fraudulent inquiries must be removed an reported back to the credit Bureaus for removal on my report immediately.
Consumer complaint received 2024-01-07
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRIAD FINANCIAL SERVICES, INC. (IN)

CFPB XXXX  XXXX This is in response to my first complaint and response from the company. I received a refund of {$1500.00} from the overpaid taxes. I went back to the Triad website to make a mortgage payment and they still show me owing taxes of {$300.00} and have not adjusted my account to reflect my mortgage payment. I called XXXX XXXX XXXX XXXX XXXX that was on their reply and I have called her to correct this tax rate error. I have called her several times and she has yet to return my calls. Her number is XXXX ext XXXX. I went up to the XXXX XXXX XXXXXXXX XXXX XXXXXXXX and they walked me down to the county auditors office and he looked at my title of my mobile home and figured the taxes for 2023 from the amount I am paying on this mobile home and his figure is : with homestead {$670.00} a year, without homestead {$1300.00} a year. That means my monthly pymt for taxes would be {$56.00} a month and Triad is charging me {$300.00} a month. My mobile home has not been assessed yet, so I don't know where they are getting this tax rate from, but I don't live in California. I have a single wide mobile home. I am not going to pay these taxes and they are not going to adjust anything until they get something from XXXX XXXX.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

TD BANK ACCUSED ME OF INVOLVEMENT WITH THE THEFT OF FUNDS IN XXXX THAT WAS DONE THROUGH CASH APP, THEN AGAIN IN XXXX ; IN XXXX AN INSURANCE CHECK FROM XXXX XXXX XXXX WAS SENT TO SOMEONE ELSE 'S ACCOUNT -- NO FAULT OF MINE- IN THE AMOUNT OF {$1600.00}. 
IN XXXX, I NEEDED A NEW VEHICLE, I APPLIED ONLINE AND GOT A RESPONSE FROM A COMPANY WHICH BEGAN TO SEND ME MORE MONEY THAN I NEEDED. THE COMPANY TOLD ME TO RETURN THE MONEY VIA GIFT CARDS, AS THE FUNDS DID NOT COME FROM A BANK. HOWEVER TD BANK SHOULD HAVE WARNED ME. I RETURNED THE FUNDS AFTER WITHDRAWING THE FUNDS FROM THE DEPOSITED CHECKS. THEN I WAS CONTACTED BY TD BANK TO CLOSE THE ACCOUNT AND OPEN A NEW ONE BECAUSE ALL OF THE CHECKS WERE FRAUDULENT. THEY THEN DEDUCTED MY SSD, NEW YORK STATE PENSION AND WORKERS COMPENSATION CHECKS AND CONTINUE TO DO SO. 
I'M AWARE OF TD BANKS RECENT CLASS ACTION LOSS IN COURT.
Consumer complaint received 2023-08-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (SC)

I completed an application for a vehicle purchase on carvanaXXXX was approved and uploaded requested documents. I also paid a {$590.00} " non '' refundable transfer fee via ACH. The transfer fee was listed as refundable up until the car 'ships '. I received a notification from Carvana that the day after the fee processed that the transaction was going to be terminated by Carvana and the termination happened within two hours of 'their ' termination period. I don't have a car and they took the {$590.00} I paid. If i cancelled the transaction and i agreed to pay then it is on me< But Since I did not cancel the transaction, the non-refundable fee seems bias.
Consumer complaint received 2022-04-13
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. (TX)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 54 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I am writing to formally lodge a complaint regarding the sudden closure of my bank account by JPMorgan Chase Bank , N.A . ( " Chase '' ). Despite my efforts to obtain information, Chase has not provided any explanation or justification for the closure. I can not remember the exact dates and Chase refuses to give me those dates but I do know that my account was closed before XXXX. After that I was approved for a credit card through Chase from Amazon XXXX and which I received the letter then my account will be closed as of XX/XX/XXXX and I was given no reason or explanation as of why. I contacted Chases customer service department in XXXX of XXXX to inquire about the reasons for the closure of my account. Unfortunately, I was informed that they could not provide me with any specific details or reasons for this action. I made multiple attempts to seek clarification both via phone and in-person at my local branch, but each effort was met with the same response.The lack of transparency and communication from Chase has caused me significant inconvenience and distress. As a customer, I believe I have the right to understand why my account was closed and to receive a formal explanation.I am requesting the Consumer Financial Protection Bureau to assist me in obtaining a clear and detailed explanation from Chase regarding the closure of my account. Additionally, I would appreciate any guidance or assistance that the CFPB can provide to ensure that this matter is resolved promptly and fairly.
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (CA)

I ordered an item from XXXX and chose 'affirm.com ' as a third party for a method of payment. I chose 6 months installment with 0 % interest. After a never-ending wait for the item to come, I contacted the merchant to get an update of the order. It turned out that the item was delivered, but I did not receive it. I asked for the 'proof ' of delivery, the merchant provided a picture that acted as the 'proof ' of delivery ; however, the picture shows that the item was on a different property other than the one stated on the address. I provided the picture of my property to the merchant to assure them that the item was not delivered as promised, but the merchant was giving me a hard time and did not want to refund the money. Therefore, I decided to dispute the transaction through affirm.com. I provided proof that the item was not delivered to the right address. After several days, 'affirm.com ' made a decision in favor of the merchant despite the irrefutable evidence that the item was not delivered as promised ( to the right address ). They said that the merchant already processed and delivered the item to the right address and it is my job to contact the merchant to resolve this issue *even though I already did. They forced me to pay for something I don't even get. Affirm.com reported an 'overdue ' payment of my account to the credit score bureau and destroyed my credit score. Affirm.com has violated their own policy by not protecting their customer, and forcing them to pay for something that they don't even receive. This is disgusting and a disgrace!