davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, this credit report companies insist they wont check my credit and still do and thats that biggest issue Im having now with multiple companies and its damaging my credit horribly I really need this problem resolved and a good friend told me about you all and I hope to get some answers on what can be done.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Mortgage was transferred from XXXX XXXX  to XXXX/LoanCare recently. I paid my monthly payment on their phone system and it charged me approximately {$800.00} over the amount that I had been paying to XXXX. I called to find out what happened and they said it was to put more money in Escrow. I have never received any document that explained the increase and why it needed to be paid all at once. I have the bill for the month and it has the old amount on the bill. After I got them on the phone, the agent was unable to determine why the system billed me the higher amount and was not able to offer any resolutions.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (TN)

N accordance with the fair credit reporting act XXXX. XXXX  ( Account numbers XXXX as well as XXXX and account number XXXX with XXXX. And XXXX XXXX account number XXXX. Has violated my rights 15 U.S.C. 1681 section 602A. States I have right to privacy.

15 U.S.C 1681 section 604A .section 2 its also states a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2019-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

My complaint is against PayPal for failure to release funds when promised, and for punishing me for failing to fall for their attempted extortion of an additional, excessive fee in order to expedite the process,. 

On XX/XX/XXXX, I sold two items that I owned ( legally ), on XXXX totaling {$2500.00}. At that point, PayPal advised that there was a hold on the funds for 3 weeks. This apparently originated from XXXX, since it was a big sale and a new account. After the three weeks, the money was released into my PayPal account. PayPal took a fee of {$72.00} for the use of their service. 

I then tried to transfer the remaining {$2400.00} to my bank account. At this point I was offered expedited service for an additional fee of {$24.00} ( 1 % ). Upon declining the expedited service, I was informed that this activity was suspicious and that my funds would not be available for another 8 days. 

This is clearly retribution for declining to pay the additional fee. If they had suspected anything suspicious, they already had 3 full weeks to investigate. Additionally, there was no warning that the activity was deemed suspicious prior to being given the option to pay and have my money in minutes or not pay. 

I have repeated attempted to contact customer service, but they send a cookie cutter response and refuse to address the actual issue. 

It should not take 28 days to receive my money from a valid sale, and they should not be able to punish me for not paying and additional and in my opinion, excessive fee.
Consumer complaint received 2019-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (KY)

Asking for payment history information and being sent another link that is excessively time consuming and inconclusive. 
Asking about changes in the loan service providers and why my balances are still the same for XXXX and Great Lakes and not receiving a good explanation. 
Asking why my payment histories and current loan balances do not add up and not getting a valid response after two hours on the phone. 
Being told the reason for the math difference is because of interest which is not accurate ( the reason I consolidated specific loans is because it would save me money in interest, not the opposite ).
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

company reports that I was late on my auto loan payment 16 months in a row. The information they reported is inaccurate and false. I tried disputing with the directly and the credit bureaus such as Experian XXXX XXXX XXXX and they have failed to verified such allegations. no one is willing to help me or show proof that I was in fact late. each bureau has different count of days late the same month and year.

XXXX XXXX XXXX  Experian            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  as you can see nothing matches and the reporting on them are different on all 3 bureaus some are stating 30 days late but on another the same month and year says 90 days its absurd and need to changed to pay as agreed on all 16 months
Consumer complaint received 2023-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

A debt collection by affinity plus in the amount of {$1600.00} its still remaining on my XXXX and Trans Union credit report, but has been removed from my XXXX report rightfully so I would like all three of my credit report to match by law, This is my right, so I am submitting a complaint.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022 around XXXX AM MST, I received 5 emails in quick succession stating that a Wells Fargo Everyday Checking account was opened using my info. About 10 minutes after these emails were received, I received another email that my Wells Fargo account email address was updated. 

I previously banked with Wells Fargo in XXXX, but do not currently have any products with them. I have contacted them and opened an internal fraud case.
Consumer complaint received 2022-01-25
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 (MN)

I purchased a flight to XXXX from XXXX in XXXX but due to covid had to cancel early XXXX. I am pregnant, my doctor advised me that travel was very unsafe for me. We also had record breaking covid cases and hospitalizations. As a result, I asked the airline to cancel on XX/XX/XXXX via email. XXXX refused to cancel/give a refund, so I instead contacted my credit card company American Express on XXXX and filed a dispute. American Express has refused my refund as of XX/XX/XXXX. I resubmitted the dispute and was still denied. I did not receive the service, I could not receive the service due to the orders of my doctor and they are not refunding me for my flight. I have also reported XXXX to the Department of Travel but I am looking to report American Express for not refunding my ticket on their end.
Consumer complaint received 2021-07-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (NY)

XX/XX/2021 - XXXX-XXXX  I filed a complaint against Wells Fargo as I had called and let them know about my financial situation and asked if we could lower the payments or if there was any other assistance. The rep was quite mean and told me there was nothing they could do and I had to make the payments or they would keep posting to my credit report ( which is really hurting my credit score or ability to get any financial help ). XXXX XXXX from Wells Fargo responded with the attached letter saying he didn't have any record of the phone call but informed me to call and that they could provide additional assistance with the payment options. I then called him several times and never got to speak to him. I then called customer service AGAIN and was told AGAIN there was nothing they could do for me and that they do not provide refinancing at this time and I had to come up with the $ XXXX/month. I have lost almost all of XXXX XXXX during Covid and my income has been severely slashed. Im trying to rebuild the XXXX but it has been tough. I'm not sure why XXXX would say they could help me but the reps say they can not.
Consumer complaint received 2021-07-23
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: EQUIFAX, INC. (PA)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law.Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

I have filed more than a few complaints about a Company called XXXX XXXX. My complaint is : : I recently saw my report from XXXX XXXX and XXXX  XXXX  has agreed to delete their site off my Credit, the Company did but not with Experian. I called experian and explained a deletion from XXXX XXXX and asked them to look into this being deleted and the will not put any effort at all. I also noticed on my Experian report last week, XXXX XXXX inquired 2 times on my report when I have a security freeze on all 3. The other two have deleted XXXX XXXX and Experian gives me a difficult time. I asked why I have now 2 inquiries with a freeze and they didnt explain and would not delete those inquiries from my report.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

company reports that I was late on my auto loan payment 16 months in a row. The information they reported is inaccurate and false. I tried disputing with the directly and the credit bureaus such as XXXX Equifax and XXXX  and they have failed to verified such allegations. no one is willing to help me or show proof that I was in fact late. each bureau has different count of days late the same month and year. XXXXXXXX XXXX XXXX XXXX             Equifax               XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
as you can see nothing matches and the reporting on them are different on all 3 bureaus some are stating 30 days late but on another the same month and year says 90 days its absurd and need to changed to pay as agreed on all 16 months
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

on XX/XX/2019 a hard pull was made against my credit report. said credit report pull was not authorized by me! the recipients info reads : " factual data ''. 

please remove this hard pull from my report.
Consumer complaint received 2024-03-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (FL)

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

SANTANDER CONSUMER USA I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Consumer complaint received 2021-07-23
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: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Original creditor was a XXXX XXXX ( XXXX XXXX XXXX ) ; insurance company denied payment because services of an assistant are not usually required during type of procedure ; I received a bill in XX/XX/XXXX almost a year after my XXXX in XX/XX/XXXX ; I immediately called the surgeon 's office ( on XX/XX/XXXX ) and original creditor numerous times ( beginning on XX/XX/XXXX ) to obtain additional information to assist with getting claim paid by insurance company and/or to determine whether or not I should dispute the claim myself ; there were no notes by the surgeon indicating an assistant was used during the procedure ; every time I spoke with original creditor 's office I was told they would call back with more information but they never did ; the amount I was billed by the original creditor was {$430.00} ; I wrote letters to the original creditor on XX/XX/XXXX and on XX/XX/XXXX requesting additional information but got nothing ; while I was still trying to get information from original creditor they referred the debt to a debt collector ; the debt collector sent a collection letter and called me repeatedly, telling me I owed {$2700.00} ( principal - {$2500.00}, interest - {$140.00}, interest rate 8 % ), despite my requesting validation of the debt ; I mailed a letter on XX/XX/XXXX, via certified mail, disputing the debt and requesting validation of the debts, amounts owed, and any agreement authorizing fees, interest, and other charges ; the service date was not the date of my XXXX and the amount they were trying to collect was more than 5 times the amount I was billed by the original creditor, so I was certain this was a mistake. I have still not received a response to my request for validation of the debt, but the debt collector has begun calling me repeatedly ; when I answered the phone and stated I had requested debt validation the collector told me it was in the mail and it's valid so how did I want to pay ; she was very rude and nasty to me, when I was genuinely trying to resolve this situation ; I genuinely believe this is all a billing error but can't get any information whatsoever from either the original creditor or the debt collector but I keep getting harassing phone calls ; I have signed copies of all correspondence and return receipts
Consumer complaint received 2021-07-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (CA)

THIS IS NOT A DUPLICATE COMPLAINT!! CREDIT ACCEPTANCE CORPORATION HAS COMMITTED CRIMINAL INDIVIDUAL ACTIONS WILLINGLY AND KNOWINGLY as pursuant to 15 usc 1611. Credit Acceptance Corporation has violated my federally protected consumer rights under 15 usc 1692 and 15 usc 1605 during a consumer credit transaction on XX/XX/XXXX for a used vehicle. I am the consumer and original creditor, and NATURAL PERSON i do not validate the alleged debt. As pursuant to 15 usc 1605a the finance charge should be the sum total of everything. In exhibit A there are three different charges, including a cash down payment. Which is also a violation of my federally protected consumer rights as pursuant to 15 usc 1605a, the finance charge doesn't include a type payable in a comparable cash transaction. Which is also clearly stated in Exhibit A, that the transaction was a consumer credit transaction. Yet there was a fraudulent loan that took place.I ask can CREDIT ACCEPTANCE CORPORATION define the term " Loan '' to me under the FDCPA? As pursuant to 15 usc 1692j a false and deceptive form was furnished in connection with alleged debt in the form of a contract, which CREDIT ACCEPTANCE CORPORATION claims is a " Loan ''. I have reached several times to correct this issue with Credit Acceptance Corporation, including asking for validation of debt and as pursuant to 15 usc 1692g Credit Acceptance Corporation has not done so. They have willingly and knowingly been non complaint and have damaged my reputation. Which is also a violation as pursuant to 15 usc 1692d ( 1 ) damaging my reputation. I have reached out to the CFPB and XXXX, Credit Acceptance Corporation has caused so much stress and pain mentally and emotionally in my life that enough is enough. Due to the attack on my reputation and inaccurate reporting, i am unable to provide for my family which is very devastating. Pursuant to 15 USC 1692c ( c ) I have notified CREDIT ACCEPTANCE CORPORATION in writing that I refuse to pay this alleged debt, and I am demanding that CREDIT ACCEPTANCE CORPORATION cease all forms of communication with me through any and all mediums. But CREDIT ACCEPTANCE CORPORATION still communicates with me indirectly about the alleged debt, through false information furnished on my consumer report which violates 15 usc 1692c ( c ). Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account. Return all payments made on account as pursuant to 15 usc 1692h. Pay total cost of consumer credit transaction including down payment. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. I will also be mailing the copies of AFFIDAVIT, CEASE AND DESIST, DEBT VALIDATION, INVOICE to the Attorney General. These documents were also certified sent to Credit Acceptance Corporation XX/XX/XXXX.
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HW Holding, Inc (NC)

I moved out of the apartment in XXXX/ XX/XX/2017. I made {$100.00} payment in XXXX or XX/XX/2017. The original amount was over {$2000.00} so obviously a payment had been made ( exhibited on XXXX  credit report ). XXXX, the property manager told me that they no longer own the debt, therefore, how can they legally come after me? I reached out to her since I didn't trust Hunter Warfield. If only the original debtor can charge interest/ fees how is it mentioned in the summons if the property manager is alleging that they no longer own the debt? I also noticed the form was notarized in Tennessee. Thirdly, Hunter Warfield is reporting several discrepancies/ amounts across all three credit reporting agencies, this alone is grounds for removal. Also, when I called Hunter Warfield, they advised me that they can no longer collect on the debt, so why is it reported if they no longer own it?
Consumer complaint received 2024-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC (FL)

Cancelled PMI with XXXX, and then Roundpoint mortgage servicing and they are not cancelling the PMI. Loan to value is now below 78 % and they are refusing to drop PMI per the statute.
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-03-09
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (PA)

I paid off a company who led me to believe that after the debt was pays they would remove completely as paid in full. 

I made them aware that the debt amount was wrong and included illegal overages so they said they would lower it. 

Once paid they marked as settled for less. 
You can see in the contract they implied no settle for less would be there.
Consumer complaint received 2019-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Weltman, Weinberg & Reis Co., L.P.A. (TX)

The company of Weltman, Weinberg , & Reis Co., LPA have  contacted me frequently since the beginning of the month as well as my stepfather as on our personal mobile phones during our work hours. I have been making payments for my private student loans. They left the toll free number XXXX and reference number XXXX.
Consumer complaint received 2022-01-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is about Fraudulent purchases on my Bank of America VISA Card ending XXXX on XX/XX/2021 that was changed to a new card after the discrepancy was disclosed to me when I called Bank of America to make a payment on my account on XX/XX/2021. I have tried to get this problem solved over the last three ( 3 ) months by calling on many dates at various times, spending countless hours waiting on HOLD and speaking to a different representative each time always in another state ( they are scattered around the country ). As of this date, I have not been able to hear from Bank of America about this problem and when I can expect my account cleared. I have been a longtime customer of Bank of America for over 55 years and never did I have an experience such as this. This is extremely annoying that Bank of America seems to be ignoring my repeated request to correct this unwanted, annoying attempt by someone to drain what little money I have being I am over the age of XXXX. I ask for your help in reaching a resolution to this problem please.