davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (MO)

Eye have had several car loans with Wells Fargo and been charged an astronomical amount of fake fees, and interest. On ALL the car loans eye put a down payments down which is against UCC laws. The most recent loan eye had with them they repossessed illegally through a third party and my apartment manager had no idea they were trespassing because permission was not given. Eye traveled to where eye purchased the car because legal wanted to see the paperwork. The manager XXXX there at XXXX 's XXXX was recorded handing me my paperwork saying that it's A LOT of fees on here that may not you not understand out of his own mouth. Like a {$7500.00} car and was charged {$21.00} XXXX on a loan. Tjen after using their covid option they tacked on a bunch of more fees. Eye am still holding 2 or 3 low amount checks from XXXX with them admitting to me being overcharged however, eye know the few checks theyve sent does not even scratch the surface of what eye have been charged. Eye have other loans with them eye would like remedy for as well. Counsel says eye have been overcharged tremendously! In my state MO it is against the law per UCC laws to do a repossession on private property without the landlord knowing. My car was in total disarray once obtained. XXXX is not being honest or acting of integrity! They aren't taking responsibility for all the turmoil they have bestowed upon me. This loan is currently reporting to the bureau incorrectly. Eye will try this last attempt to get this corrected with XXXX and then will proceed with claims for Defamation Of Character.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

Previously requested via phone for an itemized billing for the month of service being billed. 
XX/XX/20 - spoke with XXXX from Penn Credit Corp XX/XX/20 - spoke with XXXX from Penn Credit Corp XX/XX/20 - spoke with XXXX from Penn Credit Corp XX/XX/20 - spoke with XXXX from XXXX XXXX XXXX XX/XX/20 - spoke with XXXX  from Penn Credit Corp Previously requested via mail on XX/XX/20
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (TX)

This complaint was filed : Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Incorrect information on your report As of XX/XX/2021 the report with Equifax has been updated to the attached screenshots - still inaccurate. This malicious inaccurate reporting of non existent delinquency has effected my insurance rates on both my home and auto among other things - this is my last attempt to get correction before legal action.
Consumer complaint received 2023-06-26
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX. Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 to ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2019-04-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

My Western Union acct # XXXX. I only used it once to wire money to my friend in XXXX on XXXX XXXX, 2019. On XXXX XXXX my second attempt was refunded to me. When I called WU the rep questioned my relationship with my friend. One day later, I was sent a request to pick up the refund for complete transfer amount and fees with their agent. I was puzzled, but tried a week later to send to the same friend but was stopped at the input at agent pc. I received a security code message but did not record it. A few days later I tried to send again on my own pc and was not able to do so. I went to a storefront agent and was not allowed to complete the transfer. It seems my name or my friend 's name was being flagged. On XX/XX/XXXX, I tried another vendor " XXXX. '' They took the transfer via pc, but the next day canceled the transaction and even closed my account. Since then I have been trying to get an answer out of WU. After my second attempt to transfer money they must  have flagged my name. I have been in email contact with them for weeks with no response. I am unable to talk to the correct department directly. We can only communicate via email. They make promises that they do not follow through to give me an answer as to why?
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

IQ Data has repeatedly contacted me about alleged damages from my time at XXXX at XXXX Apartments, stating that I owe damages from last year. I have sent them a copy of the relevant portion of the Arizona Landlord Tenant Act, which states that the debt is not valid because the apartments did not send the itemized list of alleged damages within fourteen business days of my move out date, yet IQ Data claims that law doesn't apply, and they have threatened to ruin my credit if I don't pay this debt which state law says I don't owe.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (NJ)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2019-04-08
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: Experian Information Solutions Inc. (SC)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXXXXXXXX
Consumer complaint received 2019-04-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed a card with false charges and they did not remove it. I contacted the credit lendor and they apologized and send a letter to the credit bureau to remove it from my credit history. I disputed it again with the help of the credit lendor. I just got notice that the credit bureau is not removing it from my report. Why when the actual credit lendor says to remove it? You can contact them as you wish, they have already sent the letter.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-08
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: Santander Consumer USA Holdings Inc. (FL)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXXXXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXXXXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : SANTANDER CONSUMER USA, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
Consumer complaint received 2019-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAM National Arbitration and Mediation (TX)

Received a call immediately after I sent an email verifying that the amount has been paid in full and closed. After speaking to several representatives, the company kept giving me attitude and implying that they needed proof that I paid it off even after I sent proof. Then had the audacity to say that the company that I had already paid charged me too much, which is inaccurate information. I have paid this debt and want to be left alone.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (TX)

Please refer to my earlier CFPB complaints : XXXX XXXX XXXX XXXX There is more than 1 hour of hold time with Ally bank. 
For no good reasons even my online access was blocked and account was frozen. 

due to which XXXX Credit card bill of {$1000.00} was delayed by more than 4 days. 
I have a credit score of XXXX and never had this issue in 19 yrs for me. 

which was suppose to be paid from my ally bank account ending in XXXX But i was told by ally on weekend that my accounts are also frozen. 
chatted to XXXX ( XXXX ) they told that my account is past due 2 days. 

I have all the money into Ally bank only and NO other account. 

My credit score being XXXX and i have had this issue in last 19 yrs ... 


I just have to sell 5 stocks of XXXX XXXX at loss ( short term loss ) from my XXXX XXXX account just to have enough money to pay for the credit card bill so that there is no impact on the credit score. 

As you can see from the Screenshot*.jpg how long this wait is. 

Finally I was able to get hold of Ally fraud team. 
Given them instructions to " Please feel free to take out {$3200.00} from my checking account ending in XXXX and deposit into the XXXX XXXX account so that there is no negative balance. '' But i had 4 days of late payment ( possible impact on credit score ) plus overall loss by selling 6 stocks of XXXX XXXX ( loss plus taxes on that )
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage ( loan # XXXX ) was purchased by Mr. Cooper from Seterus. After the first month payment to the new company, they charged my for some kind of insurance product for over {$1100.00} without any explanation. I have tried several times to call them but it is impossible to get someone on the other end. Also tried to message them from the online service, within my account, to no avail. 
It seems that this is a tactic they use to charge money to new customers without any way of contacting them to fix it. It seems to be a sham business practice. 
I need this insurance money to be taken off my account.
Consumer complaint received 2023-07-26
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below :
Consumer complaint received 2020-02-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MT)

Following the sale of the property our mortgage was paid in full in XX/XX/XXXX and we have yet to receive our escrow refund check in the amount of {$1500.00}. We have called Lakeview Loan Servicing on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, and now XX/XX/XXXX. Each time we have been lied to regarding the refund status. Excuses have included representatives claiming they are submitting new refund requests only to find out during the next call they never did send in the request. We have also been told multiple times they are issuing a check and we should see it in 7-10 business days and the check never shows up. We have also updated and verified our current address multiple times, since they first claimed the check was sent to old address, which also had a forwarding service set up.
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MD)

Good Morning I have noticed that the debt appeared on my credit after my monitoring service notified me in XX/XX/2018. I waiting for the notice of debt to be mailed, However, according to the law a letter never was mailed by the stated company. I decided to send Diversified Consultants a letter myself requesting verification and ownership of the stated debt. I received a notice with just a face sheet with a simple amount owed. This is not considered verification or ownership of the debt. The letter threatened to take legal action and would have an adverse effect on my credit. I just want to be assured that the debt is correct and that this company definitely is suppose to be collecting this alleged debt.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (OH)

Approximately in XXXX of XXXX we did a loan modification. We were behind and a foreclosure process had begun. We did complete the loan modification and have not been thirty days late once. 

Recently we went to refinance and the loan officer stated that the balance was {$90000.00} and the original balance in XXXX was {$73000.00} We could not find any paperwork with regards to the loan modification. Our concern is the fees that were incurred to do the loan modification and to determine if any were excessive,
Consumer complaint received 2023-07-26
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. (TX)

This CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to fraudulent activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents as well as the FTC report I received from the Federal Trade Commission for reporting the fraudulent accounts on my Credit Reports. I request the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act section 605b : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3300.00}. These accounts were never made by me nor did I authorized anyone on my behalf to do so. These accounts are clearly fraudulent and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the letters.
Consumer complaint received 2017-11-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (NC)

On XXXX XXXX 2017 I contacted this company in regards to a debt in which I hold no contract with which resulted in damages to my credit report and future finances. Immediately when I noticed the alleged debt on my credit report I turn to the company to resolve this yet my request has been denied to remove all negative information from my credit report. This company holds no original contract to prove that the amount owed belongs to me. All correspondence from the company are n't sufficient enough at all I received was photocopied information that does not prove nor deemed that I am liable for this debt. As stated before I demand that this company remove all negative information reporting against my SSN immediately.