davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (CA)

In XX/XX/2017 my home was more than 75 % destroyed by a wildfire. My homeowners insurance ( with XXXX ) paid for several type of coverage ( loss of personal goods, loss of furniture, destroyed plants, a mobile home on the property ). XXXX wrote a check for the amount of my coverage on the dwelling XXXX {$530000.00} ) to the lender and me. I endorsed it to the lender. ( XXXX XXXX at that time. I'm told the loan is now owned by Celink. ) XXXX XXXX paid {$410000.00} +/- to a general contractor who worked on the rebuilding. Celink has the remaining {$120000.00} +/-. 

Celink will not release any of those monies to me or my current general contractor. Celink maintains that I have to rebuild or replace the mobile home that was on the property and a workshop that was on the property. 

There are both items of personal property. Celink is withholding insurance proceed that were provided by XXXX to rebuild/repair the " dwelling ''. All other payments from XXXX for other type of coverage were paid solely to me ( i.e. not to the lender and me ). 

The mobile home and workshop are not part of the real estate that is the security for the loan Celink now owns. Neither of them are items I want to, or intend to, replace. I do not believe Celink is justified in withholding the {$120000.00} which I need to complete rebuilding my home. Celink will not discuss this with me. 

Can you clarify whether or not Celink is entitled to withhold those funds? 
XXXX XXXX XXXX
Consumer complaint received 2020-09-08
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: WELLS FARGO & COMPANY (FL)

I have a home equity line of credit with wells fargo. the limit is XXXX XXXX 
I owed XXXX and on XX/XX/XXXX i paid XXXX XXXX  down. 
For the month of XXXX, XXXX and XXXX Wells Fargo is reporting that i owe XXXX XXXX and this puts my at 40 % credit usage and my credit score is  going down significantly. 

I disputed with XXXX and on XX/XX/XXXX i received confirmation that my dispute was completed and nothing was changed. 

I complained to the bank several times and every time i'm being told that they are investigating but meanwhile my credit score has gone down over 15 points that will most likely take me a year to get back. 

this is a simple fix, just report the correct information but i cant get anyone from XXXX or wells fargo to listen.
Consumer complaint received 2021-05-07
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. (NJ)

A new and presumably duplicate entry for the account " XXXX XXXX  XXXX XXXX XXXX '' was entered onto my Equifax bureau report. My credit score dropped 17 points as a result. I tried calling Equifax and could not get this adjusted. Last month I had the same issue ( duplicate entry ) with XXXX XXXX. It is hard enough to keep my credit rating positive without erroneous entries. The two account numbers on the account aren't even the same - does the " new '' entry belong to someone else? This is extremely frustrating as Equifax is now reporting clearly unverified information, something they assure consumers they will not do. Please delete duplicate entries.
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/20 a Total of {$15000.00} dollars was wired transferred to XXXX and the amount I was given in writing to be received was {$300000.00} pesos with an exchange rate of XXXX. However, the amount received ended up being {$290000.00} pesos. The following day I went to Wells Fargo and to resolve the issue they took an additional {$560.00} from my account and wired transferred the additional {$560.00} dollars which was {$11000.00} to offset the difference while they investigated the issue. On XX/XX/20, Wells Fargo credited {$280.00} dollars as a courtesy into my account stating that because I requested the wire to go out in dollars they wired the money in dollars and that the note that was given to me with the {$300000.00} pesos would have been the amount received if I had requested the amount to go in pesos. This response does not make sense, please help as this seems that they are deliberately misguiding and defrauding their clients.
Consumer complaint received 2021-05-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I started working on my credit report snd noticed two collection accounts from Wakefield and associates the credit report said XXXX XXXX IS THE origin but I am unaware of such said company I notice Wakefield keep increasing the balances on those accounts which is mind blowing to me. Wakefield is violating my HIPPA RIGHT if these are medical bills. If wake field do not cease and desist all actions immediately I will seek counsel to bring legal action against them.
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Several years ago, we were granted a loan mod by Bayview Loan, who are servicing our XXXX XXXX XXXX mortgage. There have been no issues inasmuch as we have never missed or been late with a payment. But suddenly, in true form, theyve decided that our loan mod is no longer viable! No reason! If you check your database, youll see that I started reporting my findings about XXXX many years ago, and my findings were accurate inasmuch as the CFPB fined them. ( For which Ive received no restitution from their fine. ) Now Im dealing with Bayview, and here we go with their shenanigans. HELP!
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (AL)

Recently my credit card company has started putting 14 day holds on most of my payments. This is a reward card and I had car payments, cable, cell phone, utilities and other automatic payments posted to this ard to maximize rewards. By failing to give me immediate redit they have made me remove all payments because for most of the month they are not making the funds available They never notified me of this " change '' and I only found out when scheduled transactions were declined. In over four years with this card - credit was granted immediately. I have not had any late payments or returned payments. I believe they saw that I was using the card for full reward benefits and instituted this to prevent me from earning maximum rewards. The card # below is a new card issued, XXXX 2021 and replaces card ending in XXXX which is where the unfair practice started
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.
Consumer complaint received 2022-04-07
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. (GA)

By federal requirements youre all supposed to investigate certified mail that I sent you. Over the course of the last six months I have spent my hard earned money to be able to afford sending you mail that you guys are required to investigate. 

You all should be ashamed of yourselves as companies you guys have caused me a great deal of anxiety and stress Once again each unless one of you companies are willfully noncompliant when it comes to my affairs.Let this be your final warning and I notice to all of you. 

My attachments are attached to this complaint.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION (CA)

XXXXAMERISAVE MORTGAGE CORP has done a hard inquiry without my authorization. My credit score has gone low due to this. I want this inquiry to be removed from my credit report asap. I an not looking for a house now specially this year. I am trying to better my credit and don't expect some company to run my credit any time. Please correct this.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (CA)

Just tonight I got an alert on my phone and two different management companies about having a big change in drop of my credit score so I looked it up and it said that I am extremely delinquent on a XXXX XXXX account that I shut down myself because I had to move off grid because of Covid and they told me they would pick up the equipment and that was that now months later it shows that I have XXXX balance and that there is collections agency on top of this now and I had a perfect record of payment everything was an auto pay I wouldve paid for this theres nothing to pay for though because the equipment was returned I checked my account when I was able to get electricity again months later and it said there was XXXX balance and so tonight I talk to XXXX and they said that they cant do anything and I asked if they would send a letter or I dont know I just pressed for something and then they said theres no record of them even sending my anything to a collections agency so I have not yet attempted to contact the collection agency I thought I should go to XXXX  first because you know what Id rather not have all these negative things on my credit report thats what I wan na repair I just got it repaired after having XXXX and having it be destroyed and I do not know about this if I knew about this I wouldve taken care of it Im not happy about it and I dont want to pay but if it is about money then if they can take off the strikes against my credit report I would pay but I think thats wrong I shouldnt think that or even offer that because the fact is that they got their equipment and didnt put it in their system as such or they did and I dont really know whats going on but I was reporting here because the collections agency which I only found out about From XXXX in to various thinking assistant apps that showed me the name of this XXXX  XXXX company a & I searched XXXX before Actually complaining hereand there was 42 results And I read all of them and any of them that had anything to do with XXXX and that XXXX  XXXX seem to be able to stand still and again this is the first Ive notified of it because it got to my credit score and I need that to be taken off and I will do whatever I can but I think I need assistance and its because of Covid theres a lot of reasons I know I should be asleep now because I have to do something with my family and yeah at least it shows I have no balance my account shouldve been closeout but I can still login but it doesnt say I went to collections it looks as if everything was fine Im really frustrated
Consumer complaint received 2020-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (FL)

THE MLA WAS VIOLATED THE MLA WAS VIOLATED THE MLA WAS VIOLATED. It should be known I was in the military.Ally financial and XXXX XXXX of XXXX violated the military lending act. I joined the military XXXX XX/XX/XXXX and my contract ends XX/XX/XXXX. The car was purchased in XX/XX/XXXX, therefore I am a covered borrower. 
Did you notice that she didnt investigate the MLA which was violated. 
I need to be compensated for all the damages that occurred + XXXX for down payment. 
In the contract as a military member I was financed XXXX XXXX  The XXXX needs to be investigated, also I didnt received any disclosure about the Military Lending act. Please note if this complaint doesnt get resolve after this complaint. I will be contacting the Military JAG and also the Florida Attorneys General XXXX XXXX Under the XXXX version of the interpretation of the Military Lending Act ( MLA ). 
MLA and Q & A # 2 The MLA prohibits creditors from charging more than a 36 percent military annual percentage rate ( XXXX ) on credit transactions to covered persons. It also, among other requirements and restrictions, prohibits taking the title to a motor vehicle as security for a credit transaction, unless the creditor is a federal or state bank, XXXX XXXX, or XXXX XXXX. However, the MLA exempts several types of transactions from those restrictions, including a credit transaction to finance the purchase of a motor vehicle or other personal property when the credit is secured by that vehicle or property. 
In addition to regulations, in XXXX the XXXX issued interpretive guidance on the MLA in the form of questions and answers, and amended that guidance in XXXX. XXXX question-and-answer in the XXXX guidance ( Q & A # 2 ) advised that when a lender extends credit in excess of an items purchase price ( such as a hybrid purchase-money and cash-advance loan ), the loan is not exempt from the MLA. Initially, Q & A # 2 was limited to secured personal property loans. However, in the XXXX amendments mentioned above, the XXXX stated that the interpretation applied to secured motor vehicle loans, too. 
Accordingly, based on the XXXX Q & A # 2, an auto purchase loan that included XXXX XXXX would not be exempt from the MLA or its regulations, unless the lender was a depository institution. Since those loans would be deemed subject to the MLA, they would not only be subject to the 36 % XXXX limitation, but also to the prohibition against securing the transaction with the vehicles title.
Consumer complaint received 2022-10-11
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. (GA)

XXXX XXXX XXXX XXXX is showing past due days in XXXX. Ive never been late. I contacted them and they said Id have to contact the credit bureaus because they arent showing me ever late. I contacted the bureaus and theyre still reporting me late. XXXX said they havent been contacted to verify that I have never been late!
Consumer complaint received 2022-02-02
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. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown thing on my credit report. on this day over 60days later i have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigates these items within 30 days given reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has cause my family. furthermore my information was impacted by the XXXX XXXX XXXX which may have resulted my information to be in the hands of the wrong person.
Consumer complaint received 2022-04-07
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. (VA)

In accordance with Fair Credit Reporting Act XXXX, acct number beginning with XXXX, XXXX XXXX XXXX  ( date opened XXXX. XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX date opened XXXX XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX XXXX XXXX ( date open XXXX XXXX ), acct number beginning with XXXX XXXX XXXX XXXX ( date XXXX XXXX XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date opened XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX  ( XXXX XXXX, XXXX ), XXXX  XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date XX/XX/XXXX ) XXXX XXXX  ( date XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2. also states a consumer reporting agency can not furnish your acct without my written instructions.
Consumer complaint received 2022-04-07
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. (VA)

In accordance with Fair Credit Reporting Act XXXX, acct number beginning with XXXX, XXXX XXXX XXXX ( date opened XXXX. XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX date opened XXXX XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX XXXX XXXX ( date open XXXX XXXX ), acct number beginning with XXXX XXXX XXXX XXXX ( date XXXX XXXX XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date opened XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date XX/XX/XXXX ) XXXX XXXX  ( date XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2. also states a consumer reporting agency can not furnish your acct without my written instructions.
Consumer complaint received 2024-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zarzaur and Schwartz, PC (AL)

A certified letter was mailed to Zarzaur & Schwartz , P.C . in XX/XX/XXXX requesting debt validation for an account they allege I owe. I am disputing this account, in addition, their office neglected to provide any information reflecting the ownership of this alleged account while sending information with a different alleged account number than what they are claiming I owe. 

The document I received from Zarzaur & Schwartz , P.C . dated XX/XX/XXXX consisted of 19 pages,14 of those pages was a copy of a Revised Card Agreement. Please note, this Revised Card Agreement is generic with no dates to show when the agreement was revised, any affiliation I have to this Revised Card Agreement. In addition, this office neglected to provide validation pertaining to me agreeing to the Revised Card Agreement. There were three ( 3 ) pages of a XXXX XXXX XXXX Credit Card Statement. The first statement shows a different account number this office alleges I owe. How is the alleged debt validated when the information this office provided isn't what they are reporting on my credit report? The office of Zarzaur & Schwartz , P.C . 's claim to have validated a debt with different account information than what they are reporting. 

Page 3 -Statement 1 - XX/XX/XXXX - XX/XX/XXXX - different account number Page 4 - Statement 2 - XX/XX/XXXX - XX/XX/XXXX Page 5 - Statement 3 - XX/XX/XXXX - XX/XX/XXXX To simplify, the documents received do not match what this office is reporting, despite them reporting to CFPB they validated the alleged debt, which is false. This office sent 3 different statements for two ( 2 ) different alleged credit card accounts.

The office of Zarzaur & Schwartz , P.C . has claimed this alleged debt belongs to me without validation. The items requested by me are as follows : copies of an agreement that grants Zarzaur & Schwartz , P.C . and XXXX XXXX XXXX to collect this alleged debt // a signed agreement with my wet signature made with XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX or other verifiable proof I have a contractual obligation to pay this alleged debt. I also requested copies of all statements while this alleged debt was open, the exact date alleged debt was open, the exact date alleged debt first became delinquent and copies of all payment history/payment methods for this alleged debt. All of which their office failed to provide. 

Attached is the 19-page document I received from Zarzaur & Schwartz , P.C . 's office. 

I have the right to have accurate, true and correct information reported to my credit profile and to consumer reporting agencies. As it stands they have not provided anything that shows any type of contractual agreement of this alleged debt.