davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (FL)

Novad Management Consulting, LLC ( NOVAD ) is HUD 's servicer for my reverse-mortgage. 

I have been contacting Novad for months. I have sent several emails to XXXX I am trying to do a Loan Payoff for the home, so i am able to get my home back. Through the months i sent 19 emails, 2 emails directly to XXXX and made over 18 calls. I have yet been called back or received my Loan Payoff Request information. 

On XX/XX/2022 i did receive 1 email on the process for a loan payoff.

which is as follows : The request should include : 1. The FHA Case # 2. The borrowers name and signature ( if applicable ) 3. Property address 4. How you would like to receive the payoff ( Provide Fax # or Email address ) 5. Requesting partys signature 6. Appropriate authorization ( Signed and dated by Borrower or Legally Authorized Representative ) 7. Supporting legal documentation ( Will, Trust, Letters of Testamentary, POA, Death Certificate etc., if applicable ) I followed the directives and on XX/XX/XXXX faxed the filled out completely information to Novad for my Payoff request. I still have not got a call or anything in the mail for my information on how to Payoff this loan. 

On XX/XX/XXXX i contacted Novad and spoke with a woman who noted this information At this time i feel like i am being totally ignored and getting the run around so i am not able to do a Loan Payoff. Which i feel is a violation of the Real Estate Settlement Procedures Act ( RESPA ) I am elderly and ill and i think they are just giving me the run around, All i want is my Payoff Information and information to have the opportunity to get my home back!
Consumer complaint received 2021-06-03
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (MD)

I am filing this complaint against Affirm Inc. for violations of the following federal laws and regulations : 12 CFR 1006.34 ( b ) ( 5 ) : Affirm Inc. has not provided me with validation information about the debt they claim I owe, despite placing a collection notice on my credit report.

12 CFR 1006.34 ( c ) ( 4 ) ( I ) : Affirm Inc. has not given me a chance to dispute the validity of the debt.

12 CFR 1006.34 ( d ) : Affirm Inc. has furnished information about the alleged debt to a consumer reporting agency without providing me with all required disclosures.

15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Affirm Inc. is furnishing inaccurate information to a consumer reporting agency.

15 U.S.C. 6802 : Affirm Inc. has disclosed my nonpublic personal information to a nonaffiliated third party without providing me with a notice that complies with section 6803 of this title.

Affirm Inc. 's actions are causing me significant harm. The collection notice on my credit report is damaging my credit score and making it difficult for me to obtain credit. I am also being harassed by Affirm Inc. 's collection agents.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Affirm Inc . I am also requesting that Affirm XXXX remove the collection notice from my credit report and cease all collection activities.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (CO)

Continental Finance every 2 years for the past 10 years has a collection firm call me, tell me that I about to be served if I don't pay  the balance of the credit card. The credit card is part of an identity theft complaint I made against my former roommate in 2008. But it has been so long since I filed the complaint XXXX XXXX Police department can't even find the detective that took the complaint. So I have dollar amounts, no documentation, I have NO documents even from Continental including want subpoenas or paperwork on being sued.
Consumer complaint received 2018-12-13
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: AMERICAN EXPRESS COMPANY (NY)

on XX/XX/2018 a round trip ticket was purchased from XXXX for the amount of {$4300.00} with amex gold card, the ticket has a 24 hour cancellation policy.

with in the 24 hour window on XX/XX/2018 the ticket was cancelled on the XXXX website, as well to be double sure XXXX gets this cancellation note with in the 24 hour cancellation window, it was also send an cancel email to XXXX with in the 24 hours to cancel it. 

wile a credit was issued for leg 1 from XXXX XXXX in the amount of {$3400.00} but no credit was issued for the XXXX lag from XXXX XXXX XXXX in the amount of {$830.00} XXXX advised us to call XXXX XXXX XXXX to ask for a ticket refund XXXX said this ticket is not refundable. 

Our complain is that we ordered this ticket from XXXX that have an 24 hour  cancelation policy. 

we also have an email dated XX/XX/2018 from XXXX that this ticket had an 24 hour  cancellation policy. 

we opened many disputes cases with amex to credit this charge, unfortunately they always come back with the same answer from XXXX XXXX XXXX that this ticket was not refundable. 

wean we say to Amex : we did not agree to buy a non refundable ticket. 
and also the fact that we got credit for the first leg from XXXX XXXX shows that it was refundable ticket. 
as well go to XXXX and see the tickets have at a 24 hour cancellation policy. 
also we have an email from XXXX dated XX/XX/2018 that this was a ticket with a cancellation policy. 

Amex is opening back the dispute and comes back with an answer that XXXX XXXX XXXX says this is a non refundable ticket ... 

it dose not help any explanation that we never agreed to order a non refundable ticket, or that we have proof an email from XXXX dated XX/XX/2018 that this was a ticket with a cancellation policy. 

Amex is allwas comeing back sorry XXXX XXXX XXXX says this is a non refundable ticket ... 

PLEASE HELP US Thank you Mr. XXXX
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (GA)

On XX/XX/2018 my wife tried to verify information for a credit card application with USBank. During the phone call the USBank rep decided to decline the application because my wife and I had opened 3 other accounts over the past 2-3 months.

About 2 hours after the above conversation took place, we tried to use our USBank credit cards and found them to be invalid. USBank not only declined the application, they also closed the accounts of the three other cards.

In phone calls made today I find they now classify us as " a risk to the bank. '' If opening three cards with this bank makes us a risk to the bank, Why did they let us open 3 cards?

In closing the accounts, they have closed our access to bonus points we earned for air travel. I want access to the points and I want my annual fees refunded.
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery from XXXX, XXXX, XXXX, XXXX. 
Have relieved 4 calls today on XX/XX/2018 alone to work #. It states XXXX XXXX and until yesterday, it had my full name on it. My company can not block them as they spam call from all different # 's. I have been called without picking up 13 times in just the last 8 days. They call from all sorts of spam # 's. I do not ant to answer the call as # 1. I am at work and work on the phone all day. # 2-the debt is past it's statue of limitations and if I answer I will restart the statute from what I understand. I am going to lose my job if IT gets too many more of these calls and it is not worth them harassing me like they have previously telling me to make lunches and sell them to pay my debt to answer to tell them not to call me at work because like I said then I am validating the debt! I don't know what to do. They also robocall my cell # and I have recordings as I started using XXXX to block them on my cell phone as that is illegal but they do it anyways. Please help.
Consumer complaint received 2020-12-15
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: HUNTINGTON NATIONAL BANK, THE (KY)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX, on XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX and on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-05-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

My mortgage lender Wells Fargo is denying me access to government programs that I qualify for and as a result I am facing a foreclosure sale date. I went through a temporary hardship and am financially sound again. I have tried for months to get Wells Fargo to work with me on my USDA loan and to consider me for a modification, forbearance or even a repayment plan but I can't get any traction. They are constantly changing account managers, losing my paperwork and not even taking notes of my multiple interactions with them. Instead of working to help me their collections department is hammering me with calls demanding I pay up all day and night at all hours. I became so frustrated that I asked for a reinstatement amount so I could try and wipe this out but they could not even provide this for me. I believe their obstruction has been intentional. My USDA loan is backed by a government agency and there are multiple programs available to help people in my situation. Why is Wells Fargo treating me this way? 

I worked hard to buy my home. I have been a XXXX for 17 years ( I XXXX XXXX, XXXX   and XXXX ). In 2016 I was involved in a custody battle for my daughter which took considerable financial resources from me. At the same time I switched jobs and this led to a lower salary. In the past I had supplemented my income by working as a XXXX and receiving a stipend, but due to my son 's XXXX I was unable to continue doing this. All of these events coincided into a perfect storm and led me to default a little over a year ago. I immediately began trying to contact the bank agents to work something out and was assigned an account manager. I submitted all of my paperwork, but when I tried to follow up the account manager had changed. This happened on several occasions -- no one knew what was going on with my application, I would call a couple of days after having spoken to someone and there would be no notes regarding the previous conversation. It was completely unorganized and I was not able to make any progress. 

I don't know what else to do, I have submitted my paperwork several times and when I try to follow up I have a new account manager who says they don't have my paperwork and tries to make me start over. Out of frustration I have requested a reinstatement amount so that I can try and end this nightmare but I am not even able to get this information out of Wells Fargo. Instead I have been pushed into an avoidable foreclosure as they scheduled a sale date earlier this month. 

My hardship was temporary, I am in a better place financially and have more financial resources. I deserve the chance to be considered for these programs and want to save my home. Please look into the way that Wells Fargo has handled the servicing of my loan.
Consumer complaint received 2018-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MD)

I am no able till now to access my account with Wells Fargo Bank. I need to access my account because this is account receive my Social Security XXXX fund. This Wells Fargo Bank need to contact me directly on how to access my account right now by using my Social Security number.
Consumer complaint received 2022-07-23
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. (GA)

Im submitting this complaint again to inform you I was the victim of identity theft. Per FCRA section 605b, you are required to remove/block the items listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$670.00} ; XXXX XXXX XXXXBalance Owed : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recover, LLC (GA)

Reached out to the company seeking a resolution. After my request, client sent documentation claiming that I owe a total of {$1100.00}. The break down sent is clearly a misrepresentation considering my move out date was XX/XX/XXXX and my lease ended XX/XX/XXXX. As you will see that a New security deposit, 1 month rent, prorated base rent, eviction fees late charges and Base rent totaled {$1400.00}. I received a credit of {$300.00} which gives me the new total of {$1100.00}. Company is unable to provide why a new security deposit and charge were calculated. Not to mention the {$450.00} in rent due, including the late charges of {$75.00} and Eviction Fees of {$99.00}. None of these fees should have never been included as I was on a month to month lease and the funds were potentially stolen by an employee that is no longer with the company.
Consumer complaint received 2018-05-08
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: ProCollect, Inc. (TX)

Procollect Incorporated XXXX. XXXX XXXX XXXX, Texas XXXX Amount Due : XXXX Account XXXX Letters sent with Certified mail receipts in which there was no response : XX/XX/XXXX / /XXXX , XXXX , XXXX , asking procollect to produce documents XX/XX/XXXX / /XXXX, XXXX, XXXX, asking procollect to produce documents XX/XX/XXXX //XXXX, XXXX, XXXX, asking procollect to produce documents XX/XX/XXXX /XXXX, XXXX, XXXX  , asking procollect to produce documents E-mails and phone calls made to  procollect from XX/XX/XXXX to XX/XX/XXXX no response. 
E-mail with return receipt to certify that the credit manager read the e-mail, stated that if I don't hear back from you by the end of the business day this debt is considered resolved and null and void. 
I gave Procollect two business days and they still do not respond, by virtue of the correspondence they have accepted the terms of the e-mail.
Consumer complaint received 2022-01-19
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Consumer Portfolio Services, Inc. (IL)

My spouse was awarded a vehicle and the debt obligation in a divorce. I forwarded my divorce decree with judicial signature and my order of protection with signature. For several months I was not contacted and then my parents started receiving the harassing calls stating they were " making multiple attempts to locate me since I was not taking care of my obligations "
Consumer complaint received 2018-07-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (OR)

In XX/XX/2016 my daughter and I purchased a XXXX XXXX XXXX XXXX from a dealer in Nevada. WE were never allowed to test drive the unit but were told that what we wanted was there. Had to have rear air, I am XXXX now and XXXX when we left with the car I ended up in the XXXX that night so nothing was checked. They had the other car the keys were turned over to them. We did not find out until we had to go to XXXX that there was no rear air in the car. It was so hot and we had our service dogs in the back. It was so hard on them to the extent we almost lost XXXX of them and then the car broke down half way there. I had my daughter put on it on XXXX and the car was replaced with what we were told was there. We signed papers once again that everything was ok. Then we ended up a third time having to sign papers once more. All this time they had our old car in there possession. Then 3 month later we find out it was not a trade it was a repo. We have never had a repo on our records ever. We have once again put them on XXXX. The managers states if we go back to Nevada he will get us a car but I am very afraid of this man and what they have done. I can't go back so we tried to get a XXXX that will help my daughter get the my scooter in the car and also have the service dogs with us safe. The way it is now it is an Issue. She is XXXX and cares for me did not put me in a home she is always there. Because of all of this we lived in the car for 8 months sleeping sitting up. ended up in the hospital and she slept in the cold outside of my hospital bed room. The XXXX we need is very important to our survival. Plus they should not be allowed to cheat the elderly like they did us now it is hot and really uncomfortable I will post this any place I can. We are good people and do not deserve this. I have sold or given away everything I have my moms chair and my bed that I have had since I was XXXX XXXX XXXX. Throwing more and more out just trying to get the XXXX that will help us survive. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

Someone named XXXX XXXX email address XXXX sent my paypal email a paypal payment of XXXX dollars because i did not know this person i did not keep the money, Paypal is stating that this person after sending me the money reported that they sent the money to the wrong person and paypal is trying to say i now owe {$860.00} for this transaction.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX have been reporting a card that was not open by me on my report I have removed them all off all other reports except transunion they removed once an than put it back XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$1900.00} 79 % of Credit Limit* Item Results Result : Deleted - TransUnion has deleted the account or record from your TransUnion credit report. 

Dispute Reasons Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data. 
The creditor agreed to remove this account from my file. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report.

Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion XXXX. XXXX XXXX XXXX, CA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (LA)

I HAVE BEEN THE VICTIM OF IDENTITY THEFT OVER THE YEARS AND HAVE HAD NUMEROUS FRAUD ACCOUNTS OPENED IN MY NAME USING MY PERSONAL INFO. I HAVE BEEN FIGHTING WITH TARGET CREDIT CARD FOR SEVERAL MONTHS NOW REGAURDING A FRAUD ACCOUNT THEY HAVE UNDER MY NAME AND SSN. I HAVE REACHED OUT TO THEM SEVERAL TIMES AND AM ONLY ABLE TO SPEAK TO SOMEONE WHO SPEAKS VERY LITTLE ENGLISH AND SOUNDS LIKE THERE IN A CALL CENTER OVERSEAS! THEY KEEP SAYING THE ACCOUNT BELONGS TO ME YET THEY DONT HAVE MY CORRECT INFO, ONLY MY SSN AND NAME. THEY DO NOT HAVE MY CORRECT ADDRESS NOR MY PHONE NUMBER. I DID NOT OPEN THIS ACCOUNT!!! I RECENTLY HAD ATTEMPTED ID THEFT ON XXXX AND WAS FORCED TO FILE YET AGAIN ANTHOR POLICE REPORT, I HAVE REPORTED ONCE AGAIN THIS TARGET CREDIT CARD AS FRAUD. I HAVE ATTACHED A COPY OF THE POLICE REPORT SHOWING THIS TARGET CARD! SOMEONE HAS MY INFORMATION AND CONTIUNES TO OPEN ACCOUNTS IN MY NAME. I HAVE TAKEN STEPS GOING FORWARD TO PREVENT THIS FROM HAPPENNING AGAIN.