davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC (FL)

I was applying for a second mortgage, I was requested to provide a document from my employer. I advised I should have it by the end of the week. I went to upload the document on this past Thursday and the mortgage representative had closed the application. I was then told I had to start the process all over again. I want an internal investigation done to determine why I was not advised it would be closed. I was not provided any communication advising it was going to be closed.
Consumer complaint received 2021-04-15
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: WELLS FARGO & COMPANY (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2017-06-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NJ)

I  XXXX   XXXX   XXXX  an aggrieved man, contacted Ally financial months ago about setting up a payment extension on my auto loan. I fell ill and ended up and the hospital for  XXXX . I had to take time off from work. I was not being paid which is why I fell behind on my payments for my auto loan. Not because I am trying to get out of my obligation. I advised Ally banks agent of this and was advise they could set up an extension for me.I even received written correspondence proving this. Yesterday I spoke with one of  Ally  's agents and she advised me my account was not eligible for an extension which is not what I was told before via the phone nor in written correspondences. I would great appreciate if Ally would be sympathetic to someone who had  XXXX  and had to get  XXXX  for it and fell behind on his payments because of this. I advised the agents that I go back to work  X/XX/2017    and will be able to make a payment on  X/XX/17   . I was advised by the agent my vehicle would not be put in repossession status unless I miss the payment on the  XXXX . Now I find out Ally is going to reposes my vehicle. Which will hinder me from getting back and forth to work to even attempt to make a payment. All I 'm asking is for  Ally  bank to stop being so evil and money hungry and work with me here. I am an honest man and just want to pay what I owe. I demand Ally do the honorable thing and act on good faith and give me some time. I do not appreciate being lied to by multiple agents acting on behalf of Ally financial.
Consumer complaint received 2019-01-10
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. (NJ)

Attn Consumer Fraud Dept. 
RE : XXXX XXXX # XXXX  I am writing concerning my request that the accounts placed in collection, on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. I paid off a debt from XXXX XXXX XXXX. XXXX XXXX is reporting the debt as paid off on my credit. To all the credit bureaus XXXX EQ XXXX as you will see in the pages attached. 
1. I have attached the pages proving the CRAs reporting, thus there can be no instant changing of the account information.

2. Also attached is the response from XXXX ( the debt buyer ) to the CFPB who provided them my ID Theft report. That report shows the account was paid in full. 

XXXX XXXX Charged off the debt and sold the debt to XXXX XXXX. Selling this debt includes giving my name, ssn, addr, dob. to allow XXXX funding to extort money from me this is akin to ID Theft and violates FCRA FDCP statutes. 

611. Procedure in case of disputed accuracy ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as [ 15 U.S.C. 1681i ]
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Since the year XX/XX/XXXX, Mr. Cooper has applied the following legal paid expenses to my mortgage account : Statement Date : XX/XX/XXXX Legal Fees : {$370.00} Maintenance : {$75.00} Total : {$450.00} Statement Date : XX/XX/XXXX Property Inspection : {$15.00} Property Inspection Fees : {$15.00} on XX/XX/XXXX, {$15.00} on XX/XX/XXXX, - {$15.00} on XX/XX/XXXX, {$15.00} on XX/XX/XXXX. 
Statement Date : XX/XX/XXXX Legal Fees {$370.00} Property Inspection : {$75.00} Principal payment : {$0.00} Statement Date : XX/XX/XXXX Lender Paid Expenses : Total {$450.00} Statement Date : XX/XX/XXXX Legal Fees : {$8.00} Lender Paid Expenses : Legal Fees : {$360.00} Maintenance : {$75.00} Total : {$440.00} Statement Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX - Lender Paid Expenses {$440.00} Statement Date :XX/XX/XXXX Property Inspection on XX/XX/XXXX :  {$15.00} Legal Fees : {$360.00} Maintenance : {$75.00} Total : {$450.00} Statement Date : XX/XX/XXXX Legal Paid Expenses : {$450.00} Late Fees Charges applied 4 times on XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$19.00} Statement Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Property inspection : {$15.00} Legal Fees : {$280.00} Maintenance : {$75.00} Total : {$370.00}
Consumer complaint received 2017-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OR)

While on vacaton in XXXX in XX/XX/XXXX, my citi card account received several charges I did not initiate. Got an email while I was there asking if I recognized the charges, checked a box saying I did not and sent the email reply. When I got home, had a number of phone messages telling me to call fraud investigator at citi bank. I did and confirmed my earlier email reply that I did not recognize the charges. Was told to destroy that card, a new one would be sent to me.
When I got my statement covering period thru XX/XX/XXXX, there was an additional fraudulent charge. Called ( XX/XX/XXXX ) to inform them of this charge and was told they could n't verify who I was so could not help me. 
When I got the new card, called ( XX/XX/XXXX ) the number on the card to activate it. After a very long time trying to do so, was told again they could not verify who I was and would not activate it. 
Received a statement for the period ending XX/XX/XXXX for the new card ( the one I had not been able to activate ) with a charge on it. Decided to try emailing from their website to see if I could get resolution. Sent email XX/XX/XXXX. received polite but totally inadequate responses. 
Finally decided to fax a letter ( XX/XX/XXXX ) stating I refused to pay the charge on the new account and requesting the account be closed. Since then I have continued to receive a new statement each month with additional charges added. I also get several emails each month about the charges not being paid. I also get at least one call a day telling me to call another number for a recorded message telling me to pay my bill. This harassment has been continual since XX/XX/XXXX up to the present.
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to XXXX, XXXX and Trans Union and disputed XXXX hard inquiries that are currently on my credit profile. I NEVER authorized any of XXXX companies to pull my credit. I only authorized XXXX XXXX and XXXX XXXX to pull my credit. I made it clear to the dealership that I already received a pre approval from XXXX XXXX and Global Funding and although they have higher rates, I have a thin credit profile and I did not want my credit run by multiple companies. There are at least 7 companies that pulled my credit without my permission and show up 3 or more times on the same day. I have repeatedly reached out to all three credit bureaus and made them aware of what happened and they refuse to comply when I insist that they remove the inquiries. I am also disputing XXXX XXXX. XXXX XXXX implies that I owe them {$1700.00} I have never had an account with XXXX XXXX.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ID)

XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SD XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX accordance with the Fair Credit Reporter Act XXXX account number # XXXX, # XXXX, and # XXXX has violated my rights, 15 U.S.C 1681 Section 602 8 States I have the right to privacy.

15 U.S.C 1681 Section 604 a section 2 I also state a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MS)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

1. I have never had an account with these companies Bank Of America Account number Account Number : XXXX, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are Bank Of America the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX )
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

This is a formal complaint against Convergent Outsourcing located in XXXX, WA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Convergent Outsourcing has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-03-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc. (WA)

In XX/XX/2021 Central Portfolio Control contacted me about XXXX  bill I was uncertain of. I asked them to send me something in the mail. What they sent me were were XXXX detailed letters for an individual the was not me, attempting to collect XXXX  debts from them. It included the persons name, their address, dates of service, procedure description, billing info, etc. when I received that, I figured it was an error on the collections agencys part. Today, they texted me. I was shocked. I called, and the lady was so grossly rude. I told her I didnt remember the services, she basically called me a liar. They violated HIPPA and turned me into collections. The innocent person whose info they sent me is military as well.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (KY)

So CREDIT KARMA is a lying fraud and XXXX so XXXX  and XXXX. My credit according to CREDIT karma was over XXXX. So I was about to come into a little money. So I thought hey this is the perfect time to take XXXX save it up and do a down payment on a house through FHA loan services. 
Well after the service did a credit check this is multiple different times this has happened. And apparently has happened to my fianc too when we got to talking about it. Anyways the scores there showing on credit karma is way off. Not to mention every time I go to these pre approval things they have in my app saying excellent odds like home loans or credit cards for debt pay off. I never get approved. Ive noticed my credit scores on that site are always XXXX points lower then what its saying so its caused me to think I have better credit then I do and in turn is causing me to apply for things thinking I will get approved and I dont Wich has hard impacts on my credit. When ppl check it. Like their loansa for debt consolidation. Dont do that. It went through multiple different checks by submitting my information one time. Please make them fix this. Im tired of it. ALSO on there accounts there showing things as closed Wich raises my credit score. But in reality its actually not.
Consumer complaint received 2023-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (MO)

I contacted the company to pay to delete. I stated that I needed them to send me a letter agreeing to these terms before I paid the XXXX they agreed to. 

I was never given an opportunity to pay this debt before it was sent tobthe creditors in XX/XX/. Dropped my credit score by XXXX points.
Consumer complaint received 2022-03-22
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. (VA)

On XX/XX/XXXX, my credit score was XXXX. On XX/XX/XXXX, TransUnion reported I had a collections account open, and my score dropped to XXXX. The amount balance was {$340.00} and the original creditor was XXXX XXXX XXXX XXXX, and the collections account was owned by XXXX XXXX XXXX. I immediately paid off the balance and closed the account, and on XX/XX/XXXX TransUnion reported the account as closed and my credit score went up to XXXX. XXXX week later on XX/XX/XXXX, this account still showed as paid off, and XXXX also showed it was paid off. On XX/XX/XXXX, my TransUnion score dropped once again to XXXX, and the same account that I had just paid off was back on my credit report and read as open. I filed a dispute with TransUnion through XXXX XXXX, and it was investigated and returned with no change to my score or incorrect information. I filed a second dispute through XXXX XXXX, and it returned on XX/XX/XXXX with no change. On XX/XX/XXXX, worried it was a mistake on behalf of the creditor, I contacted XXXX XXXX XXXX directly at ( XXXX ) XXXX and was informed that I was correct, the account was closed and they reported it as such to both XXXX and TransUnion. I filed a THIRD dispute with TransUnion, which I am told is still processing. On XX/XX/XXXX, I called TransUnion directly at ( XXXX ) XXXX. The XXXX barely spoke XXXX and told me to wait for Transunion to review my dispute. I informed her that I had already disputed the item XXXX with no results and insisted on speaking to her supervisor. Her supervisor told me that disputing the information was not worth my time, and I should stop calling them and instead pay off the account. I informed him that XXXX was reporting my account as closed and that I had called the creditor directly and received confirmation it was closed and reported as closed. He disagreed and said that the creditor was at fault and was reporting to TransUnion an open account - the same one that TransUnion reported as closed on XX/XX/XXXX, then reopened on the XXXX. He refused to refer me higher or to help me any further. On XX/XX/XXXX, following TransUnion 's inability to be of any assistance, I called XXXX XXXX XXXX for the second time regarding the account to make sure the account was both closed and reported as such. They confirmed both cases and informed me that they were experiencing many other complaints regarding TransUnion 's poor credit reporting. Also on XX/XX/XXXX, XXXX processed and mailed me a paper receipt of my account information, which I now have a physical copy of, that shows the account is closed. TransUnion has been completely useless and unwilling to fix their mistakes, so I am now reporting them in the hopes that they will be held accountable.
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

PORTFOLIO RECOV Associates reported on my XXXX Credit Report that a Credit Card Account was opened under my name in XX/XX/2019 which is false, they have not submitted any document ion to verify this debit or give the ability to dispute this account.
Consumer complaint received 2019-10-17
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. (SC)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE AND REINVESTIGATE SO THEY CAN BE IMMEDIATELY REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED SERIOUS HARDSHIP TO MY FILE.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

I am filing a formal complaint against Wells Fargo Bank for improperly protecting my accounts from fraudulent debit card transactions and then attempting to accuse me of the fraudulent transactions in order to avoid covering the lost funds caused by their negligence. 

On XX/XX/2019 I opened a checking account with Wells Fargo in order to deposit funds that were raised as part of an effort to produce an independent film for which I had developed the screenplay. Through XXXX XXXX we were successful in raising {$5200.00}. A portion of that money was directly deposited to the new Wells Fargo account. 

In the interim, Wells Fargo mailed a new debit card to my address as well as a PIN code in a separate mailing. Both were stolen from the US Mail and the access was used to take cash as well as purchase items from XXXX and others. I only detected this fraud when I logged on to deposit additional funds on XX/XX/XXXX raised through another investor. I reported fraudulent activity to Wells ( Claim # XXXX ) and to the XXXX XXXX XXXX Police ( case # XXXX XXXX Precinct, overseen by Detective XXXX XXXX ). 

The initial response from Wells Fargo was that the issue would be corrected in 10 days and funds replaced. Not hearing anything further I contacted Wells to understand the delay and was informed that they had no intention of refunding the money and then falsely accused me of either taking the funds myself or sharing the information with another to take the funds. Neither of which is true.

According to Wells Fargo, they consider the matter closed. As such I am formally filing this complaint in order to be reimbursed by Wells Fargo for their negligence and inadequate delivery and/or security measures for delivering a new Debit card in an urban area. 

I would like to discuss this further and understand my protections in such a situation and what the State of New York can do to protect me from the flawed practices of Wells Fargo. Please feel free to contact me at XXXX