davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OK)

In XXXX I changed jobs and we got a little behind paying our mortgage with Wells Fargo. We saw an advertisement in our mortgage statement that we could call in to Wells Fargo and qualify for a reduced payment plan that would extend our payments out further but with lower monthly costs. I spoke to XXXX XXXX on the XXXX and she encouraged us to stop paying our mortgage and provide our pay stubs and monthly bills listed to figure out our best restructuring of the lower monthly payment. We spoke back and forth during a six month period during which we asked if we should be paying something on our mortgage and she advised us not to pay because it would alter our payment calculations. After six months were up we were served with foreclosure notice. We worked extremely hard to catch up our payments and save our home. I called XXXX XXXX back and she informed me that we were not in the home for a full year when asking for this program, that we did n't qualify in the first place. As the result of historic flooding during XXXX XXXX XXXX, we lost all correspondence and proof of the events that took place. I called Wells Fargo in the last six months and they informed me that XXXX XXXX no longer worked for them and there were no documents to support my claim.Every call was advised to myself that we were being recorded and were we alright with this, now they claim they have no recordings.
Consumer complaint received 2024-05-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC. (OK)

I applied for a personal loan to consolidate credit card debt on XXXX XXXX XXXX Before electronically signing, I called Sofi because there was no payment due date in the final page before I signed. I'm paid semi-monthly, so the due date is incredibly important. I asked a ) what the due date was, and b ) if it could be changed. The woman told me it could be changed as soon as the loan was funded, so I signed the paperwork digitally. Only after I signed did she say, " Actually, no that's not possible - you can't change the due date until 30 days after the first payment is due. '' I signed up for autopay to get a point reduction on my APR, so now this is going to automatically come out of my account when I don't have the cash because my mortgage is due at the beginning of the month. When I asked to speak with a supervisor, she said I could cancel the autopay, but that it can't be canceled until the loan is funded. If I cancel the autopay, I'll lose the discounted rate. This entire process was highly deceptive and I would never have gone with Sofi if I had known it would be this absurd.
Consumer complaint received 2022-09-05
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website and the Police Report which I filed on my local Police Department to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under XXXX by the XXXX  of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2023-03-25
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. (FL)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX  HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I had my XXXX XXXX XXXX XXXXXXXX. We don't have a money at the momment. The XXXX XXXX dirrected us to the care credit. 

When we call care credit the lady said it will only be 2 years to pay at XXXX $ a month. So we agree on the terms by phone. 

Today when I look at my credit report I saw a sudden increase on the amount I owe on Synchrony Bank. 

So I investigate and log in to an account that I havent access for a long time. So for the amount {$15000.00} we borrowed 2 years ago they charge us {$8100.00} because they said the promo expired. 

When I look at my account to see the details.We have been only being charge for the minimum for the passed years.The bank supposed to deduct on our account the amount that will prevent us form paying an almost 26.99 % interest. No, they dedduct to our account the minimum. So my debt from {$7000.00} went up to {$14000.00}. 

What I also understand is that when the promo expires, is when they gon na start charging interest for the coming month/years. I didn't know that they are going to back charge all the interest from the past years.
Consumer complaint received 2022-09-05
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2016-08-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (VA)

I purchased my leased vehicle from Honda Financial Services ( American Honda Finance Corporation, as Servicer for XXXX XXXX XXXX ) in early XXXX 2016. It is now XXXX 2016 and I still do not have the title for the vehicle after repeated phone calls to HFS requesting my title. The registration on my vehicle expired XXXX XXXX ; my plates expired XXXX XXXX am now driving on expired plates but have no choice as I need the vehicle to do my day-to-day chores, get to work, and get my kids to their activities. XXXX continues to give me the run around when I call asking for information on my title or assistance in getting what I need for the XXXX to replace my title and allow me to renew my registration and licence plates.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diverse Funding Associates LLC (CA)

There are items/accounts on my consumer report that are a result of identity theft. Consumer reporting agency ( XXXX ) is reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental anguish, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to, as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I believe XXXX has not been meeting their reasonable procedures in a manner that is fair and equitable. The frivolous inaccurate items that are being furnished on my consumer report are by DNF ASSOCIATES LLC and XXXX XXXX XXXX, which both organizations have failed to validate the alleged debt/account. There are no contracts in existence between the consumer and the organizations reporting these erroneous accounts. Furthermore, my concern is how they were able to obtain my non-public personal information. XXXX, DNF ASSOCIATES, and XXXX XXXX XXXX, are in several violations of Fair Debt Collections Practice Act, the Privacy Act of 1974, the Fair Credit Reporting Act ( 15 USC 1681b, 15 USC 1681e, 15 USC 1681q ), makes me wonder is they attempting to conspire to create a false belief the consumer owes such alleged debt and extortionate the consumer.
Consumer complaint received 2016-08-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX I went into my auto loan website to make a payment as I normally do each month. I received a " website experiencing difficulties '' message try again later. 2 days later I tried again and the process completed. On Tuesday morning when checking my bank account I noticed 2 payments processing at the same time one after another. The duplication was obvious and since it was in the " processing " I called my bank right away - my account became overdrawn by {$600.00}. My Bank ( XXXX XXXX XXXX ) told me to contact the loan bank ( Wells Fargo ) I called them and asked them to please correct the duplication since it had not completed processing. The customer service person worked with me and got back to tell me there would be a refund within 48 hours. After Thursday and no refund I contacted them again ( Wells Fargo ) and they checked the notes and told me the refund was processing. I was in bad condition with my account with {$140.00} more in nsf fees and items returned. I had to file a claim with XXXX XXXX XXXX for the duplication and they helped me a bit by crediting back the payment. After XXXX weeks I never received the refund and when I called Wells Fargo the story changed now, they credited my second payment to XXXX XXXX - almost 2 months after the website issue. I am still struggling to get my budget back to normal but it has been hard. Now I am unable to resume making payments in the Wells Fargo site and they are blocking my bank account number from being used. When I contacted my bank ( XXXX XXXX XXXX ) to lift the hold, they stated they had no hold and Wells Fargo initiated the hold., Wells Fargo will not allow me to resume my online payments and I am being charged {$86.00} in late fees. This is more than predatory in nature, it is dishonest and bad. I do not earn that much and it has been difficult for me to try to catch up with the damage that continues. I am thankful at least my bank helped me a bit but this nightmare is not over.
Consumer complaint received 2016-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TN)

I received notification and phone call from National Credit System about a debt said owed to XXXX XXXX, I contact XXXX XXXX in regard to why i was receiving calls from National Credit System. XXXX XXXX XXXX stated that the previous property management showed I owned a debt but they could not locate the owed debt or a file belong to me. I have documentation on final payment and a move out clearance letter from XXXX XXXX that no balance are owed.
Consumer complaint received 2020-11-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (MT)

I paid off my auto loan with Ford Credit because I had sold my car and needed the title to complete the transaction. I paid off the vehicle with Ford Credit on XX/XX/2020 and expected the title within 7-10 days. 
I have contacted Ford Credit on two occasions in the month of XXXX and one time they told me the title would be coming any day ( 7-10 days after they released the lien to California DMV ) and the other they provided a number to a third party company ( registration XXXX XXXX in XXXX CA ) that sent me a bill for {$250.00} to do the necessary paperwork to get me a title. 
I believe that Ford Credit has breached our contract by not providing the title. In fact not only have they not provided title they directed me to an outside vendor that wants to charge fees outside of our contract to finance the vehicle. My buyer has moved on and I have been forced to maintain insurance on the vehicle until the title gets to me and I can sell it again. I believe that without the title consideration has not been made by Ford Credit to me. 
I live in Montana now and provided Ford Credit and the state of California with my new address. I moved to Montana and updated my address with them before my payoff. 
My understanding of my contract with Ford Credit was that they would provide me with a title when our contract was fulfilled.
Consumer complaint received 2015-10-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

My name is XXXX XXXX. I took out a loan from Springleaf in XXXX, IL with good intentions to pay it back, but with an extended stay in the hospital ( 1 month ) I am now in a financial hardship so I am now having a company help me with all my debts ( National Debt Relief ) I got a packet from this company who is helping me and inside this packet is a letter that I can give to all my creditors to stop calling. I signed this letter and mailed it to Springleaf in XXXX, IL on XXXX XXXX, 2015 certified so I know they have it as it was signed for. Since XXXX XXXX, 2015 till today XXXX XXXX, 2015 I have received 31 calls. I have an attorney through XXXX XXXX XXXX but I wanted you to know as well about this company and what its doing. I have ask numerous times to please stop calling me after I wrote the letter but they have verbally threaten me with law suits or cursing me or even insulting me verbally. I really want this to stop!! Thank you so very much
Consumer complaint received 2022-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account XXXX 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.
Consumer complaint received 2022-09-05
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. (GA)

THIS ACCOUNT ENDING IN XXXX FOR {$550.00} XXXX  APPEARS ON MY EQUIFAX AND MYFICO CREDIT REPORTS TWICE. I HAVE A RIGHT TO A ACCURATE CREDIT REPORT AND THIS IS AN OBVIOUS VIOLATION OF MY FCRA RIGHTS.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital failed to remove the charge off status from a XXXX balance account that was closed in XXXX and was compromised. The account has XXXX balance and they stated that it would be in closed, good standing. 

The account was opened in XXXX
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

To whom it may concern my name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX mailing address : XXXX XXXX XXXX XXXX, LA XXXX SSN XXXX last year i 'd opened Capital One credit card with {$300.00} credit line, i 've have n't got the bill statement in XXXX3 months, then my house got flood in XXXX 2016, a month later they contact me and told me that i was late XXXX my bill, i 'd told them that i 'd never got the bill statement from them, how could i make a payment, they told me just pay over the phone, i said i had to see the paper statement what they charge on the bill is correct or not, finally they sent me the bill statement with the amount more than {$300.00}, after fighting with them about something wrong in the statement, i had to pay them off, and closed my account. 
lately i found out that they report to the credit report bureau that i was late on my payment. That 's absolutely not right, they 'd played game on me, how did i ruins my credit score with just a credit line {$300.00}? i tried to contact them to dispute this issue, they said they did n't know about this. 
i would like you to help me to clear this problem, my house was flood, i am still homeless now, we 've had enough suffer, could n't stand anymore like this Thank you so much XXXX XXXX XXXX
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2016-10-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Credit Control (CA)

Good afternoon, Continental Credit is currently reporting the collection of an account that I have no knowledge of. I have called and provided all of my personal information in an effort to understand why/how I 'm responsible to no avail. I am currently going through law enforcement background check and fear that this collection error will smear my character. I kindly ask that this matter is quickly addressed. 

thank you, XXXX
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CFM Group LLC (NC)

I have been in contact with the representative for the account they are trying to settle. I am not authorized by the company I work for to make financial decisions, therefore, I must wait until authorized personnel respond to my contact attempts to resolve. 

This company continues to call multiple times per day, and dials every extension in the company and leaves multiple messages. 

This is illegal, and yet, they are allowed to continue to practice in such a manner. My company wishes for their aggressive attempts to cease immediately!