davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big Picture Loans, LLC (CA)

I do not know if this is the appropriate channel to report a loan offer I received in the mail. 
I am currently struggling financially due to being XXXX and high medical bills in collections. This has contributed to my less-than-perfect credit record. 
Today I received an installment loan solicitation from " Big Picture Loans ''. It says I am pre-approved. 
I researched this company and found that the yearly interest rate is 780 %. It does not state that on the letter. 
There are reviews online that state that dealing with this company is a nightmare. If one wants to pay off their balance early it is very difficult. Some reviews are 5-stars but they look fabricated to me. 
I think this is a predatory loan because they locate individuals who are down on their luck then offer this loan as a solution. No doubt there are many people who are desperate for money at this time. This company seems to be taking advantage of this situation. 
They will stretch the repayment period out for up to 44 months in order to maximize their profit. Too bad for the little guy. They probably really don't care. 
Of course, I did not apply for a loan with them.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I entered a consumer credit transaction with DEPT OF EDUCATION/XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that DEPT OF EDUCATION/XXXX  claim I owe. DEPT OF EDUCATION/XXXX  has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

This is financial discrimination, I've been traveling for the last few months, I was unable to get a temporary card, because they discontinue it, so I'm having to make cash withdrawals for my account, right now I got stuck in Utah and have, because some of the branches are not open on the weekends, but other are,
Consumer complaint received 2018-03-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (NJ)

I never bought a car from the dealer that financed it using Westlake financial car was never registered to my name It never even was reported to motor vehicle saying that I owned it the dealership stole the money directly from the bank and kept it I only found out that in my credit report I tried to contact the dealer they closed down so I contacted Westlake myself and they told me that someone has the money they lend out I told them I never took the car at all registered it or insured it the dealer himself took the money using my personal information they claim I owe them {$14000.00} for a XXXX XXXX XXXX car that I never owned my personal records will show that I never owned this car or anything related to it
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION (FL)

To whom it may concern, consumer XXXX entered an agreement with Navy Federal. During the agreement and extension of credit by debtor Navy Federal that willfully and knowingly of The Truth In Lending act didn't specify my right to rescission. 15 U.S. Code 1611 - Criminal liability for willful and knowing violation. According to Congress, 15 usc 1635. I didn't receive any information nor contract so that is a violation of my consumer rights and a breach of the contract. Also Pursuant 15 usc 1605, here Congress states, ( a ) THIRD PARTY FEES.Section 106 ( a ) of the Truth in Lending Act ( 15 U.S.C. 1605 ( a ) ) is amended by adding after the 2d sentence the following new sentence : The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents XXXX including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : The information must be disclosed at the time of extending the open end credit plan. Therefore, you are in violation because you didn't disclose that information to me. 15 U.S. Code 1637a - Disclosure requirements for open end consumer credit plans secured by consumers principal dwelling. Remove from all credit bureaus permanently and immediately. This is an intent to sue if this isn't removed immediately. I am not specifying a date but in fact the account is in litigation at this point. If you are willing to compromise a deal to remove the item off of my credit report and provide an open end credit plan in a positive amount and remain in an open end credit plan please feel free me to contact me by mail with the offer. 
1. Navy Federal : {$4000.00} XX/XX/XXXX XXXX XXXX 2. Navy Federal : {$10000.00} XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUN LOAN COMPANY INC. (AL)

I obtained an installment loan through Sun Loan that was charged off XX/XX/XXXX. I experience a hardship, in which I was laid off from my job and fell behind on the payment. I made a payment to the corporate office for the charge off balance in full on XX/XX/XXXX. Since then the account has been reporting to each of the bureaus incorrectly and the balance is showing as a debt that has not been paid. I have had to call XXXX XXXX in the credit dispute department numerous times to correct the issue. I feel the company 's practice is very unorganized as to keeping record. I was told on one occasion she could not find my accounting records to show payment then another occasion that a representative in the company did not know I paid the account in full and reported incorrectly to the bureau. I am in the home buying process and I have done my part with the company and should not have to bare the burden of continuing to deal with this issue. Receiving alerts, my score decreasing monthly, and having to call the company to correct the issue with poor excuses is very unethical practice. I am asking for the account to be removed/deleted from each credit bureau and to reflect as such on my report.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I have received XXXX notices from Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX, Phone XXXX XXXX stating that I owe a XX/XX/XXXX debt of {$380.00} that was charged at the location XXXX XXXX XXXX, XXXX XXXX NV XXXX for a satellite dish from a company called XXXX, XXXX XXXX 

I received the first notice in XXXX, XXXX and received the XXXX notice today XX/XX/XXXX. 

I called the company when I received the XXXX notice, and told the person there that I had never lived in Nevada and never owned a satellite dish, and that the debt was not mine. 

I have now received a XXXX notice saying the I owed the {$380.00}.
Consumer complaint received 2021-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

On XX/XX/21 I received an alert from XXXX that there was a collection account added to my credit report. Paramount Receovery Systems is the collection agency. The company that I supposedly owe the {$1700.00} to is XXXX XXXX XXXX XXXX XXXX County which I never heard of until this morning. I XXXX XXXX XXXX XXXX and they are permanently closed. So I looked at the reviews on the XXXX XXXX XXXX and everyone of the reviews was a complaint about fraudulent collections and identy theft. 

I proceeded to call Paramount the collection agency to inform them this is a fraudulent collection claim against me. The first rep I spoke with was understanding. After being put on hold another female rep come on the phone. I explained I have no idea what this is. I have never been to an urgent care med center and I have the same family doctor for over 20 years. That female rep had the audacity to ask if I can prove account is fraudulent. I explained to her all the complaints of fraudulent collections from XXXX XXXX XXXX and her response was we don't verify that information. What??? After that back and forth she finally said we will enter a dispute. Bottom line this is a fraudulent collectiosn claim which is now on my credit report. I have already filed a dispute with XXXX.
Consumer complaint received 2022-01-09
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. (IN)

Dear XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last 4 : XXXX Date XX/XX/XXXX You stated that I owe an alleged debt to XXXX XXXX XXXXccount XXXX XXXX I would like XXXX XXXX to validate this debt under the USC, UCC, FCRA, FDCPA. I am requesting validation of debt request of U.S Code 1692. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report. Please provide the following documentation for the alleged debt to XXXX XXXX  starting in XXXX. Under my God- giving rights please send me a sworn affidavit statement stating XXXX XXXX still has the original signed contract with my two wet signatures under penalties of perjury in reference to my rights under the UCC Code 3-308. Please also send me a copy of the commerce banking note to this alleged debt. Please also send a certified contract not a photocopy of this alleged debt. Please also send a true bill. A true bill the written decision of a grand jury ( signed by the grand jury foreperson ) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court. Please also send a lawful contract signed by both parties which makes it binding between both parties have given substance according to the contract law of 1872. Please send all validations of debt and paperwork linked to the alleged account from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn are true and correct to the best of your ability with your signed signature. Please also send me a copy of this sworn affidavit via receipt of this letter. Please respond in 10 days of this a latter will become a binding agreement according to contract law. Furthermore, I will have to opportunity to cue in place a judgment on this company. If you fail to respond I am going to presume the debt isnt true in the first place. I am respectfully requesting this account be deleted and removed from my credit profile sense it is ruining my credit worthiness and my ultimate pursuit of happiness under the United Stated Constitution. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds and a dishonor in commerce according to the UCC Code. 
I am exercising my God for saking right this account must be deleted from my credit profile on all 3 bureaus immediately or I will pursue legal action.
Consumer complaint received 2021-10-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (TX)

When we began our mortgage with New Rez, they asked for proof of insurance. We sent that to them. Then in XXXX of 2021 or thereabouts, they sent us a letter saying that we haven't gotten them proof of insurance and that if we don't get that to them over the next however many weeks, they are going to start charging us for their insurance each month. We immediately contacted them and resent our proof of insurance. But they kept charging us extra on our mortgage. 

Once i realized that this was going to be an issue, i started to record dates and times and the individuals that i spoke with at New Rez when i called them about this matter. 

Everytime i called them, they would confirm that we did have insurance and that they were going to get that removed from our account and immediately reimburse us for the additional insurance charges. They never did : XX/XX/2021 at XXXX- XXXX XXXX XX/XX/2021 at XXXX- XXXX XXXX XXXX XXXX XXXX hung up on me XXXX XXXX XXXX XX/XX/2021 and actually gave me her number to follow up with her if the problem still isn't fixed- XXXX. It is not a working number. 

Please let me know what other information that you need from me- thank you, XXXX XXXX
Consumer complaint received 2021-05-29
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: LendingPoint Holdings LLC (MI)

I have been refinancing my mortgage and financial institution advised me not to make payment to Lending point this was going to close before next payment is due. However there was issues with my mortgage they didnt submit documents on time and I missed one payment with Lending point. I brought account current and I always make payments on time. I received message on acct stated that Lending point will remove this mark on my credit. They never corrected my credit. I just ask for one time courtesy. I am trying to refinance again and I cant complete because this mark on my credit reduced my fico score. In this difficult time dealing with covid, when everyone is struggle with making payments I am always on time and I dont understand why Lending point refused to work with me. I am asking to correct my credit and remove mark 30 days on my credit. If you need to speak with me, please email to XXXX or phone XXXX XXXX XXXX thank you
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

on XX/XX/XXXX i went to pay my amazon credit card held by synchrony bank and instead of sending XXXX i sent XXXX by mistake. i think my coumpter keys wre sticking. on XX/XX/XXXX by email i got a thanks for XXXX and realized my mistake. i called on XXXX XXXX and bank said it would take 3 weeks for refund. 3 weeks no check. call back and told check not sent but would be. on XX/XX/XXXX told check was sent on XX/XX/XXXX. i asked for confirmation in writing and have email confirming. its XX/XX/XXXX no check. they canceled the 2 credit cards i have with them and ruined my excellent credit rating. they think that i am pulling a scam. they owe me XXXX which they show on my last 2 statements. i am looking for help. i dont have and extra XXXX laying around. can you help. please
Consumer complaint received 2020-11-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (FL)

I made a payment to my amerihome Morgage However the payment was not taking out in time. I was not notified about the situation.when I realize later I had them take the payment right away as this was a mistake. This has been hurting my ability to get a new loan and take advantage of the wonderful low rate they have now. Please assist me and getting this resolved ASAP. 
Thanks
Consumer complaint received 2021-07-19
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. (MD)

The credit reporting agencies are reporting a bankruptcy which is against the FCRA privacy law. I don't recognize this public record so I contacted the courts and they stated that the information I gave was never furnished by them because they do not report my private consumer information. Please provide proof from the court that they provided this information because by law the credit reporting agency can not publish information from a third party or without my written consent. Therefore this public record is inaccurate and I demand it be deleted immediately for violation of my right to privacy under FCRA 15 USC 1681b ( 2 ) and the credit reporting agencies didn't have permissible purpose to furnish this information. They are also violating FCRA 15 USC 1681i Procedure in case of disputed accuracy ; if this is not deleted in 4 days I will file a ftc, XXXX and attorney general complaint!
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

( 1 ) Attached First Qualified Written Request ( QWR ) 's item 7 required Select Portfolio Servicing ( SPS ) to prove its standing to collect Mortgage Payments. Without proving SPSs standing, SPS illegally accessed my Credit report under false pretext and invading my Pr ivacy under FCRA. ( 2 ) SPS is collecting money from me via the Escrow Account, yet refused to pay for Property Insurance that I have with XXXX XXXX, since 2002. 

This is the most corrupt company in US for servicing any mortgage loan by customers ' feedback. SPS 's main business goal is to " fradulently foreclose and seize people 's home ''.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/2021, We wired money from XXXX  XXXX XXXX to Wells Fargo to XXXX XXXX XXXX XXXX in the amount of {$9800.00}. 
She was supposed to build a small container home for us that was never done. Now she is avoiding contact. I called Wells Fargo to flag her account so other people would not be scammed and they said they could not do anything.
Consumer complaint received 2022-11-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account : XXXX  XXXX
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

By law I advised the CRA to remove every address thats not Mines that I did not register with them or USPS or updated. 
My Only Addresses on file with CRA should only be XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX And XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ga XXXX. 
Other addresses are not Mines I dont receive mail there or live there, they refuse to remove said addresses. They are collecting wrong inaccurate information and went to correct it and they will not delete.
Consumer complaint received 2020-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (KS)

Called to dispute an account on my credit report on XX/XX/20 and Experian representative Marked my credit card as disputed when it was not to be disputed and my credit card got canceled! now I cant get my XXXX  XXXX ever again until Experian tells XXXX  XXXX That it was their fault and not mine but I did not tell them to dispute my XXXX  XXXX credit card. Now Experian is telling me that theres nothing they can do.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PER 15 USC 1681B THE BUREAUS ARE BREAKING THE LAW BY FURNISHING FALSE/WRONG INFORMATION ON MY CREDIT FILE. THE ACCOUNTS ARE NOT MINE AND THEY WERE A RESULT OF IDENTITY FRAUD/THEFT. TRANSUNION WAS THE ONLY COMPANY THAT WAS ABLE TO VERIFY THAT THESE ACCOUNTS ARE INDEED FRAUD SO XXXX AND XXXX NEED TO GET WITH THE PROGRAM AND PROPERLY INVESTIGATE.
Consumer complaint received 2021-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I had made a deposit/payment for a contractor for XXXX on XXXX  and the contractor ended up not respounding to my phones calls or texts when I reached out to Wells Fargo after about 3 to 4 weeks I was told XXXX said no did not ask to see the calls texts nothing confirming my side or info when I reached out to Wells Fargo again . They said they can not do anything not even with trying to provide more documentation and that fraud or scams are o ly protected if its with a debt or credit card and the rep said next time dont pay till the job is done or thats the dangerous part of it