davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I applied for a Mortgage modification with Wells Fargo # XXXX and was approved. I made mortgage payments of XXXX each moth for over a year when I got approved sometime in XXXXXXXX XXXX They told me that once Obama left office the HAMP was no longer available and when Trump got into office and stopped taking my payments. Then they tried to foreclose again. 
When COVID came they assigned the mortgage over to XXXX XXXX servicing who then tried to foreclosure and would not approve me for a modification. XXXX loan # XXXX. 
My previous modification before they reneged on their modification was XXXX XXXX. XXXX started sending me notices for a mortgage of XXXX XXXX, but would not approve a modification or take payments. 
I make plenty of money and no one will approve me or take my money! All they want to do is foreclose on the property and take it since the housing prices in Florida went up. They want to sell it instead of letting me pay a mortgage and working something out. 
Something is not right!
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown items reflecting on my credit report. It is now well over 60 days later, I still have yet to receive a response. I feel like I've been taken full advantage of and ignored of my disputes requests. Section 611 ( a ) states, failure to investigate these items within 30 days gives sufficient reasoning to immediately remove stated items from my credit report. It has been over 60 days so stated inaccurate items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused. Also my information was impacted by the XXXX Data Breach and may very well be in the hands of criminals.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (NY)

I contacted XXXX XXXX XXXXXXXX by certified mail two time one by priority mail and one by certified mail and still nothing was done. I sent in all documents that provided my identity the accounts that I listed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Celtic Bank /Continental these are the fraudulent accounts that I have asked to be removed I have not given anyone written consent to report fraudulent inaccurate unverified accounts on my credit report I am asking for your support and help in this situation and please delete
Consumer complaint received 2024-03-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This debt collector engaged in abusive deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon, and I didnt sign an agreement on. A legal contact signed by two parties, and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make these unfair practices. According to the FDPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (DC)

Lost job in XXXX. Got another job but not making enough to cover all bills. PNC Mortgage and Mr XXXX agreed to a re-payment plan where he had to put down {$3500.00} and proceed to pay {$1800.00} per month for 18 months. Have receipts for this. PNC made an error ruining the payment plan causing it to stop. PNC fixed error. I continued with the payment plan. PNC made another error saying Mr XXXX owed an addl payment after the payment plan ended in XXXX, Mr. XXXX paid an addl two months payment. PNC Bank rejected the payments and now the house is in foreclosure. I applied for a modification in which I was denied based on my income. I applied recently with my current lawyer XXXX XXXX. My income is no longer an issue now. It has increased tremendously. He is now working two jobs that total XXXX a year plus to rental incomes in on e of my properties. All income and rental incomes with lease are provided in attached documents. PNC Bank refuses to look at my modification stating they have a policy that you can only apply to loss litigation twice. Mr. XXXX want to keep my home. Please help!
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (MS)

Please refer to complaint numbers XXXX and XXXX. World finance has failed to provide any proof of the alleged debt in said complaints. I have sent the corporation a 3rd letter which it received by certified mail which it have yet to respond. World finance also told the CFPB that I owed a debt but has not provided proof of any debt. I have received a copied contract that shows proof I participated in a consumer credit transaction that somehow turned into a loan. It also provided an accounting history that shows proof of extortion. World finance also continues to communicate with credit reporting agencies after the corporation were told to cease all communications in which it told the CFPB it would. World finance is in violation of the TILA, FDCPA, FCRA, GLBA, and MTPA. I have attached several documents showing proof.
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DE)

In XX/XX/XXXX, I reached out to Shellpoint Mortgage Servicing to request a 3 month deferment of payment for my mortgage due to the pandemic 's effect on my business. I was approved to defer XXXX, XXXX and XX/XX/XXXX. I then requested further deferment starting in XXXX. I contacted my mortgage company on a weekly basis and provided all requested documentation along the way. In XX/XX/XXXX, I was approved for a trial modification with lower monthly payments starting XX/XX/XXXX through XX/XX/XXXX. I made each monthly payment on time starting XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I received documents for a permanent modification which I approved. In XX/XX/XXXX, they sent me a balance due for the escrow. I paid the entire amount immediately, however the mortgage company did not apply it to the escrow. In XX/XX/XXXX, the mortgage company reported me as three months delinquent to all three credit bureaus. I have called them on a weekly basis and each time I received different instructions than what was mailed to me. There are also random fees in my mortgage history that were never sent to me.
Consumer complaint received 2018-07-24
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. (MN)

I originally faxed Experian about inacurrate bankruptcy listings on my credit report XX/XX/18. I did not receive my results until XX/XX/18 which was beyond the 30 days the FCRA allows. I than faxed on XX/XX/18 asking for a verification of the method used and how they verified their information to include who they spoke too, what court they contacted, the phone number, and address or what 3rd party verification they used. Today XX/XX/18 I received a letter saying in essence look at your report and figure it out yourself. That is not in compliance with the FCRA. I contacted the court myself and they sent me a letter saying they report nothing to the credit bureaus nor speak with credit reporting agencies. ( Letter included from court ). My XXXX report has been frozen as well as my XXXX, XXXX XXXX, XXXX have all been frozen.
Consumer complaint received 2023-03-03
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 — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (TN)

After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under DEPT OF ED/AIDVANTAGE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX, there have been no updates and account is still reflecting on the report. I do not belleve the account belongs to me nor do I belleve that the creditor has authorization to access the account nor authorization lo attempt to collect on the account and the account continues to negatively affect me please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. 
I
Consumer complaint received 2024-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I was just informed on reading my statements, Since the XXXXXXXX XXXX XXXX XXXX Lakeview Loan Servicing , LLC has purchased my loan and acquiring money on my behalf in false pre tense taking possession of my mortgage even though it has never went into default judgement. Lakeview Loan Servicing , LLC purchased my mortgage in good standing which is XXXX- ( 15 U.S.C . 1692 ). 

Also personal data of my things has been leaked and no word back or update on how to repay me or correct that.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation (OK)

Avant is reporting to XXXX  that this account is open and past due. I filed for Bankruptcy protection in the XXXX District State of Oklahoma Case # XXXX. They have also called me several times and I have advised them I filed bankruptcy and they should not be calling me.
Consumer complaint received 2020-09-07
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: LEXISNEXIS (AR)

RECENTLY APPLIED FOR AUTO INSURANCE WITH XXXX XXXX AND WAS INFORMED THAT XXXX AND XXXX HAVE PLACED A SECURITY FREEZE ON MY CREDIT FILES WITHOUT PERMISSION SINCE XX/XX/2015, THEY ARE TRYING TO COVER UP FROM SECURITY BREACHES OF THE PAST! THEY BOTH ARE AWARE OF BREAKING THE F.C.R.A. U.S.C. 15 Section 1681g and the DODD FRANK ACT.
Consumer complaint received 2020-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

There is a dog scammer trying to sell Dalmatian puppies out of " XXXX, WA '' supposedly. After finding the ad online, we paid the deposit and the cost of {$580.00} via XXXX from my bank, XXXX XXXX, on XX/XX/XXXX to deliver the puppy to our home. The supposed transport company, " XXXX XXXX XXXX XXXX '' was going to deliver the dog on XX/XX/XXXX. The transport company tried to tell me they were in Billings, MT at the XXXX XXXX XXXX and that i had to pay them more money to get my dog. They said they had been there for three hours in the parking lot. I then called Billings animal control government number and got an animal control officer to drive out there and they reported not a single car was there. Basically it was all a scam and i have pet transfer contracts and everything as well as emails and texts. When i told my back about this, they refused to help with the fraud.
Consumer complaint received 2023-03-04
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. (FL)

My personal information was used without my consent to open credit cards. I have reported these items to the FTC Via Identity theft report XXXX  XXXX. 
These are the items in question : 1 ) XXXX XXXX XXXX date opened XX/XX/XXXX. 
2 ) XXXX XXXX XXXX date opened XX/XX/XXXX. 
3 ) XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX. 
These items are a product of some form of identity theft. They have damaged my credit profile and made it difficult to get credit from lenders. 
These items are appearing on my Experian credit report # XXXX. I have attached a copy of my identity theft report, and have included photos of my drivers license and social in accordance with the FCRA 605B ( 15 U.S.C. 1681c-2 ) and I am formerly asking for a block on these items.
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I was making a purchase for prescription eyeglasses and the doctor charged my account for 5 different frames. 
I asked for only 2 from for daily wear I was only refunded by my bank one time of {$370.00} after chase reviewed the second charge of {$300.00} for another frame. 
I never purchased a third or forth frame. So chase place {$300.00} back on my checking account for a none of the eyewear I purchased.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

In XXXX, my mom helped me lease a XXXX XXXX XXXX and the financing was through Kia Motors Finance. At the end of the lease, we turned the car in because I could not afford payments on it. The original sales person at XXXX XXXX Kia wrote up my contract wrong for the mileage allowed during the lease, leaving my mom and I with a balance of {$1200.00} for the overage of miles. Neither my mom or myself could afford to pay Kia Motors Finance at that time so we let it go to collections. On XX/XX/XXXX, I called and resolved this balance for full and final payment of the XXXX for around {$850.00}. They sent me a letter stating the account was paid in full and they would report it to the credit agencies as such. Fast forward to XXXX of XXXX, I tried to get a personal loan through a bank and they could not grant me the loan because my credit report was stating I still owed the full amount of {$1200.00} to Kia Motors Finance. I called again in XXXX of XXXX, they apologized for the inconvenience and stated they would resolve it with the credit agencies. In XXXX of XXXX, I went to XXXX XXXX Kia and bought a new car, but was told Kia Motors Finance would not finance me because I still owed them {$390.00} from the original balance in collections. This is absolutely inaccurate and I do NOT owe Kia Motors Finance a dime. This should be resolved as PAID IN FULL, not charged-off. This needs to be resolved ASAP. Kia Motors Finance had 30 days from the day the {$850.00} was agreed upon and paid for to fix it with the credit agencies and they have still failed to do so. This is messing with my livelihood and is on my credit report to this day.
Consumer complaint received 2021-05-03
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. (FL)

Remove incorrect reporting of 30 day delinquent on XXXX XXXX account. XXXX in the credit department at XXXX XXXX assured me this would be corrected.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

On XX/XX/2021, NationStar Mortgage ( dba Mr. Cooper XXXX drafted two mortgage payments of {$2100.00} - one of which was not authorized. Attempts to rectify this with Mr. Cooper customer service via email and online chat were unsuccessful. On XX/XX/XXXX, I saw news coverage outlining that Mr. Cooper was aware of the problem, as of XX/XX/XXXX, and would have all unauthorized debits reversed by the end of day on the XXXX. On the XXXX, the two debits of {$2100.00} on XX/XX/XXXX were still present, so on the XXXX I reached out to the reporter, XXXX XXXX of XXXX, to inform her that the press release was not accurate. She reached out to Mr. Cooper bout it who ask for my name. Shortly there after, debits and credits showed up all over the place. Including a debit on the XXXX, that was not there previously, two debits on the XXXX and two credits on XXXX. Both Mr. Cooper and my bank, XXXX  XXXX XXXX, say they can not see this activity. NationStar is lying to regulators, the press and customersXXXX XXXX XXXX XXXX is not keep adequate audit records of how accounts and statements are being changed.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

In accordance with the fair credit reporting act the list of accounts below Has violated my federally protected consumer rights to privacy and confidentially under under USC 1681 section 602 a. Account name XXXX funding account # XXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction. 15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP (CA)

XXXX hired Mandrich law group to contact me. The firm has contacted me by mail, and phone informing me that they are a law group hired by XXXX. I informed them I am a single parent of XXXX children I have been in and out of work. One representative was so rude to me that I hung up because he was so disrespectful. Today XX/XX/22 at XXXXpm a female op called I called her back and she was quiet over the phone and I explained my situation and how her reps were rude. I am single parent of XXXX kids I am trying hard to do my best but these contact calls and mail letters are a form of harassment.
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (NY)

I contacted the credit reporting agencies to request a proper investigation on my credit report, in regard to some inaccurate account that required special attention. Over 30 days have passed by, and I have yet to receive anything in the mail. 
It is my understanding that, at this particular moment, and due to COVID19 XXXX, Experian, and XXXX  are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA. In addition, it is understand that I reserve the right to sue you in Federal Court according to section 616 of the FCRA Willful non-compliance, if the bureaus don't comply with my investigation request. 
Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX
Consumer complaint received 2022-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CO)

I corresponded with Wells Fargo about a check cashed at Wells Fargo XXXX branch # XXXX around the date of XX/XX/2021. I indicated the check in question wasnt properly endorsed and cashed. They advised me that the check issuer is responsible for the funds and approval to provide funds for this check. I have spoken to XXXX XXXX who have advised me in writing that Wells Fargo is responsible for depositing an improperly endorsed check. The uniform commercial code governs the way that endorsements should be excepted. Wells Fargo provided an argument about a comma in the check endorsement making the check cashing valid. The check should have been endorsed with a or in between the recipients names for a single endorsement to be accepted as indicated by the Uniform Commercial code. 
The uniform commercial code clearly states that the check must be endorsed with or for the check to be deposited by only one party. This check was not written in this manner and was only cashed by one party, and I never endorsed the check. 
Im asking for a resolution on to this matter immediately. Clearly this check should have not been cashed or deposited as it was not properly endorsed. 
Wells Fargo didnt provide a response to a demand letter asking for a resolution or stating the reasons for not refunding the funds on this check as it was improperly endorsed and why the bank chooses not to follow the federal Uniform acts law which states your institution must comply with the uniform commercial code and standards for properly endorsed checks. 
This matter has cause significate issues in my life including large amounts of stress. I have had to take a considerable amount of time working on communicating with Wells Fargo on this issue. 
I ask your institution to recognize the mistake you have mad and immediately refund my portion of the check. 
The check in question was written XX/XX/2021. 
Check # XXXX By XXXX XXXX  # XXXX XXXX Paid to the Order of : XXXX XXXX, XXXX XXXX & XXXX XXXX Amount : {$3100.00}. 
Regards, XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (MI)

On the date of XXXX a fraudulent unauthorised inquiry from XXXX XXXX  had reported to my credit file along with Wells Fargo on the date of XX/XX/year> and then on XX/XX/year> another XXXX  XXXX inquiry had reported to my credit file.