davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage Has not recorded a rescission of a notice of a notice of default as required by California Law ( Assembly Bill 278 ).
Wells Fargo Home Mortgage Has approved the Short Sale of the property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX . All parties have approved the short sale. Proof of funds and financing documents have been provided to Wells Fargo Home Mortgage ( Authorized agent of beneficiary ). As per California Law, Wells Fargo Home Mortgage must record a rescission of a notice of default.
Wells Fargo Home Mortgage has failed to record a rescission of the notice of default.
Please have Wells Fargo Home Mortgage comply with California Law.
Consumer complaint received 2017-06-06
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital one off er me balance transfer with lower interest and I request a check so I can deposit into my account so I can pay credit card bills. Now capi tal one charged on my capital one account day 1 and I never got check, they refuse to give credit back and interest they charge me for that balance transfer offer which is {$2500.00}.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (WA)

LenderLive services my mortgage and has never sent payment coupons, loan servicing paper, or annual XXXX unless I call in an demand that they be sent. Every time I call they say " we mailed it ( them ) ; they must have been lost ''. I called on XXXX XXXX for a copy of the federal form XXXX which up to that date they had not sent out. I thought it was a federal requirement that the XXXX was sent no later than XXXX XXXX, 2015.
Consumer complaint received 2020-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CW Financial (WA)

I lived in XXXX XXXX XXXX XXXX XXXX XXXX, wa XXXX from XX/XX/XXXX to XX/XX/XXXX. at the time that I had to move out I owe the landlord absolutely nothing I asked him to help me move my furniture into my storage to the fact that I was a single mom and couldn't lift them myself and he was the only one that I knew with the truck he refused assistance then when I moved out he dumped the furniture and charged me {$2400.00} for dumping fees and 10 hours of cleaning fees as a XXXX XXXX XXXX of a XXXX XXXX XXXX I know for a fact that I left that apartment which was under 500 square feet one bedroom intact with normal wear and tear and very clean stove fridge and oven he has outrageously charged me as well as other tenants that he has forced to move out I was asked to leave and didn't want to risk having an eviction on my record so I went ahead and left then he charged me {$2400.00} in XXXX which wasn't even put on my credit until XXXX and now I'm being charged {$3200.00} which is just like an eviction in the eyes of other apartments owners so it is XXXX me in the end being a single mom with a child and XXXX  XXXX XXXX XXXX  I am I unable to acquire stable housing and can not be approved for an apartment I've been homeless since the day I was asked to leave and he refused to renew my lease after four and a half years of residency stability and safety for my child from ages XXXX XXXX  old to XXXX and a XXXX  years old she knew nothing else as home.
Consumer complaint received 2020-07-21
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. (FL)

I have asked Experian numerous times to please send me a signed copy the account that is sad that I opened a XXXX XXXX  account all the charges that were supposedly made by me I have never had nor open or gotten any items from XXXX XXXX. XXXX   and XXXX deleted this account from my credit report because they could not send me anything proving this was my account please Experian send me the proof or delete it from my credit report.
Consumer complaint received 2017-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

AES  is reporting inaccurate information. Some include loans I never opened. I have tried disputing with the credit bureaus and no information is being provided to fully validate all the accounts. I even called on  XXXX / XXXX / XXXX  to see why all the inaccuracies were not being fixed and  XXXX  the representative stated they no longer own the account so she can not assist me.  XXXX  accounts definitely do not belong to me and they added them on illegally. One was " opened ''  XXXX / XXXX / XXXX  and closed  XXXX / XXXX / XXXX . The amount for this account that was charged off according to the company was {$33000.00}. They initially started reporting  XXXX  through  XXXX  which they went back to report on after a dispute. Than they did not report anything until  XXXX . This account was never mine and dragged out closing the account they illegally opened to begin with since it would have been closed in  XXXX . And the other account is showing an " open '' date of  XXXX / XXXX / XXXX  with a charge off amount of {$4300.00}. No reporting occured for this account until  XXXX . They added a false payment history once I reported the issue which than started in  XXXX , two years after they said the account was open. I never signed a loan for the  XXXX  above accounts and the company added them on for mere destruction of my credit reports. They also have an account with a charge off balance of {$33000.00} that they closed on  XXXX . This account has no solid reporting and therefore the closed date should have been in  XXXX . There is an account with loan amount of {$14000.00} and reported they received a payment in the amount of {$22000.00}. This account too had missing reporting which further shows there is no validation of a closed date. The last account reporting  is one  with an original amount of {$16000.00}. They stated they received a payment in the amount of {$26000.00}.
Consumer complaint received 2019-06-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Recovery Systems (GA)

On XX/XX/2019 I had the unlucky encounter with a collection specialist who seemed to have a one track mind when it came to answering questions regarding 2 debts of my husbands. One in the amount of {$560.00} for XXXX XXXX XXXX and another for XXXX a XXXX account, they were sending to the Credit reporting agencies. I asked " how do you validate/verify your debt your collecting on? '' " Do you have documentation such as billing statements, agreements or a signature of some sort you can provide me about the collection accounts your reporting? '' XXXX XXXX of MIDWEST RECOVERY SYSTEMS had a nasty attitude right out the gate. Her response was limited to, " no I can't do that '' several times, then provided me with the information " we don't have verification on debts. '' I responded " how are you collecting on an account you can't verify? '' Isn't this why there's a document called a " Verification Letter '' clients request? Who pays a debt that doesn't belong to them or  they're not responsible for? XXXX XXXX then proceeded to tell me " I had been talking for 14 minutes. '' She then kept talking over me trying to get me to say the debt I was disputing was valid. I responded how I had came to her with respect and not an attitude and how she had one before the conversation could start. Then after asking NUMEROUS times asking how do you validate your information, she THEN decide to tell me they'll reach out to the original company to ask for the documents. Why she couldn't of told me this in the beginning, she never answered my question on how they verify their debt. On XX/XX/2019 their business accreditation in the XXXX was revoked by the XXXX XXXX Board of Directors due to its failure to adhere to the XXXX requirement that Accredited Businesses meet. They have a pattern of complaints against them. Their communication skills are horrendous and they won't give me information that I have the right to via the FCRA.
Consumer complaint received 2019-06-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XXXX XXXX XXXX represenative XXXX XXXX called my employed told them details about my debt, told my employer i would be served with a court summons, threatened to notify my Human resources deptartment about debt and that i would be served papers for " Theft '' and this was even before i spoke to them
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery Associates, in various communications have threatened to harm my credit. 

I notified Portfolio Recovery Associates that they are reporting LATE PAYMENTS on my XXXX  credit bureau. 

Collection accounts can not be reported as " LATE '' This is false and untrue. 

When I communicated to Portfolio Recovery Associates that Collection accounts can not be LATE, they threatened to further harm my credit. 

While this alleged debt has NOT been VALIDATED, and I do not agree it is mine, I did call the Two credit card companies, where the debt buyer, supposedly purchased the debt. 

I wrote Portfolio Recovery Associates, that when I contacted the Two credit card companies, they told me, that for the past 10+ years, they have included ARBITRATION Clauses in all agreements. 

Since that is the case, I have NOTIFIED Portfolio Recovery Associates, that they must INITIATE ARBITRATION, as per the credit card company agreements. 

Portfolio Recovery Associates has REFUSED to initiate ARBITRATION. 

I have contacted the LEGAL DEPARTMENT of Portfolio Recovery Associates, and written that both XXXX  XXXX and XXXX, have the ARBITRATION CLAUSE. 

The CFPB must ENFORCE this immediately. If within 5 business days, Portfolio Recovery Associates refuses on its Mandatory Requirement for ARBITRATION, they must delete all ITEMS from my 3 credit reports. 

I await their reply. I am waiting for them to INITIATE the ABITRATION, or make the deletions.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been a longstanding customer with this company. I contacted capital one via online dispute and requested that late payments be removed from my credit file. I explained to them that I had some financial hardships, including loss of employment, and unfortunately was unable to make the payment on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital one has been unwilling to help me resolve this matter in any way.
Consumer complaint received 2020-01-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I do see there have been lot of changes made to my credit report when I disputed my late payment months. They are inaccurate for each bureau. Everytime I have recieved response from Bank of America that everything is accurate. But I see my credit report changed at the times I have disputed. I have asked credit bureaus many times about the months reported late. They responded it is what lender has reported. Why my credit report keep changing and lender still responds as no changes were made.CSR refused to connect to supervisor when requested. He was rude to me and hung up on me when asked to transfer call to supervisor. Also I have never recieved any statements to my old address from months XXXX-XXXX. They have hurted my chances of getting any other loans or credit cards.
Consumer complaint received 2018-07-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

For a {$27000.00} loan taken out from Sallie Mae in XX/XX/2004, I was charged $ 11,000+ dollars in disbursement, repayment and capitalized interest fees. The possibility of such exorbitant fees was not made clear to me at the time of the loan. I do not feel this type of loan practice is fair and would like to know what my options are.
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Executive Credit Management, Inc (WA)

On  XXXX   XXXX ,  2017  I sent Executive Credit Management , Inc a certified letter regarding an account reporting negative to my credit report. The company stated that I owed them {$1200.00}. I do not know this company nor have I ever did business with this company so I sent a validation letter requesting what I owe, how the amounts were calculated, copies of papers that show that I agreed to pay what they claim I owe, and I also requested their license to prove that they can collect in my state. On  XXXX   XXXX ,  2017 ,  XXXX   XXXX  from Executive Credit Management , Inc replied to my letter with confirmation that she received a notice from   XXXX   credit bureau regarding my dispute and attached a statement balance  and two papers  from a lease from another company which indeed stated nothing about Executive Credit Management , Inc. Which in no way was validation to the debt I allegedly owe. On  XXXX   XXXX ,    2017  I requested for t he SECOND ti me debt validation with proof of a full lease and legal documents with my signature in contract with Executive Credit Management , inc company or remove the alleged debt from my credit report immediately. On  XXXX   XXXX ,  2017  I then receive another letter from  XXXX   XXXX   ( Manager )   at Executive C redit Management dated  XXXX   XXXX ,    2017  that she received my request for documentation validating a listing on my credit profile for a collection. She is now claiming that the account number is missing the last  XXXX  numbers and she needs more information to find my file, the date they reported this account to my credit report, and the amount of the collection they say I owe.  XXXX   XXXX  mailed me a letter on  XXXX   XXXX ,  2017  with the valid account number from my credit report and when I asked for validation again on  XXXX   XXXX ,  2017  now she is unable to locate my account and now she needs more information from me. I have requested validation twice from this company and I am dealing with the same person,  XXXX   XXXX   ( manager ).
Consumer complaint received 2021-03-03
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. (GA)

Company Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Date Open : XX/XX/2020 Amount : {$550.00} Company Name : {$550.00} Date Open:XX/XX/XXXX Amount : {$2200.00} I am a victim of identity theft and have reached out to the companies several time with no success. I would like these fraudulent accounts removed from my credit report. The accounts do not show up on all credit bureaus. 

There are several inquires also that I did not authorize I will list them below. 


Company : XXXX XX/XX/XXXX Date : XX/XX/2020 Company : XXXX Date : XX/XX/2020 Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/2020 Company : XX/XX/XXXX XXXX XXXX Date : XX/XX/2020 Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XX/XX/XXXX, XXXX Date XXXX XX/XX/2020 Company : XXXX XX/XX/XXXXXXXX XXXX Date:XX/XX/XXXX Company XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX, XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX  Date:XX/XX/XXXX Company : XXXX XXXX  XXXX Date:XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX
Consumer complaint received 2020-07-21
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. (FL)

XXXX ; Experian and XXXX are incorrectly reporting that I am ( XXXX plus ) days late on the DP ED/XXXX account. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. ( Attached is a spreadsheet of accounts for reference. ) I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2017-06-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Long story short I made a purchase and did not get what I paid for. I submitted a complaint for reimbursement of funds through Bank of America. I asked to speak to someone in charge of the disputes department, and got ignored.I was asked to submit a claim for my dispute. I submit everything they asked for on X/XX/17, and I was denied my refund because Bank of America told me, " We understand that you were n't satisfied with the outcome of the service the merchant provided, but they have the right to receive payment for any services that were rendered. '' It was not a matter of not being satisified. It was a matter of not getting what I paid for. What if you were charged for something for a service that you did not get in full? Would n't you want some kind of refund?
<P/>You would n't let yourself be scammed by a company so why should I be scammed? I put in another claim and was called by the manager, and once again I followed directions. I submitted my proofs. The manager even told me yes I want to help you, call me, etc. I submitted the claim again, called like I was instructed to, was ignored, and given a claim denial letter on XX/XX/17. <P/>XXXX XXXX BANK OF AMERICA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Tower Loan of Mississippi, Inc. (LA)

On XXXX XXXX I made arrangements with loan Tower Loan Of XXXX XXXX to pay {$110.00} which is 30 days past due and current months payment on XXXX XXXX. I was contacted by a family member and friends XXXX minutes prior to my arrival home from work and advised that a female employee from Tower Loan of XXXX XXXX in white car was looking for me and waiting for me at my residence with an envelope. Upon arrival at my home the female had left and I was given an envelope she had left with a friend. This envelope contained a letter dated XXXX XXXX stating I am " delinquent in amount of {$310.00} which includes late charges and other fees ''. And, that " if I have not made satisfactory arrangements by XXXX XXXX, my account may be referred for legal action, including having a lawsuit being filed against " me. The letter further states, " In order to avoid legal action being taken against you, please contact me IMMEDIATELY. " Sincerely, Tower Loan of XXXX XXXX XXXX by : XXXX, Manager.
Consumer complaint received 2019-06-04
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: EQUIFAX, INC. (NM)

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX - partial account number XXXX. ( Please see page 6 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.