davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (MI)

My lease ended at the ended of XXXX. I called the leasing company ( Ally Financial ) and stated that I would be buying purchasing the vehicle. I knew that it may take a bit longer than I suspected, so I made another payment on the vehicle so I wouldn't receive a late payment on my credit report. I eventually had a change of heart on purchasing the vehicle, but need to get some repairs done on the truck before I turned it in. I knew this would take more time so I made another payment plus interest to ensure i did not receive a late payment. In XXXX I received a late payment XX/XX/12 XXXX. When i called they said I had credit on my account that could not be applied to the payment. I did not understand how you could be late on a payment with a credit on your account.
Consumer complaint received 2021-10-19
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. (CA)

I have contacted each credit bureau, XXXX XXXX, experian and XXXX by mail and fax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I have not received any reports from the bureaus about my dispute and the accounts are still on my credit and I have no knowledge of these accounts. I have asked for proof from the creditors and the bureaus and no response. they have had many times to respond.
Consumer complaint received 2020-12-11
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: Resurgent Capital Services L.P. (WA)

On XXXX XXXX, 2020, LVNV FUNDING LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

HELLO MY NAME IS XXXX XXXX AND I'M ATTEMPTING TO RESOLVE THIS MATTER WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CA)

Im using Experian app to fix my credit score im paying XXXX dlls a month and a I need to remove a bad credits report from XXXX XXXX I already paid the amount I use to own and they supposed to removed from my credit report and they havent done it If they can not be able to fix my problem I will cancel my membership
Consumer complaint received 2021-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX  is collecting on a debt I do not owe. I called and spoke with them regarding this debt currently reporting on my credit file, which is how I found out about this debt. Once I validated this debt I immediately paid it. I was not once notified about this debt through phone calls, notifications, or letters. I spoke with a representative and they had my incorrect address. 
Not sending me any letters violates my 30 day right to dispute and I demand they remove this account off my credit. They did not have my correct information and I did not receive my RIGHT to dispute.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (SC)

XX/XX/XXXX after opening a savings account with Wells Fargo Bank I received a Wells Fargo credit card through the mail. I contacted Wells Fargo bank about the card and was told that it was part of a credit building package deal and was instructed to use to the card to build my credit. I used the card for ten years and maintained excellent credit history. Although during that ten years there were several instances of unusual charges and activity on my accounts that did not originate with me. Ultimately Wells Fargo charged my account off after failing to notify me of balance or acceleration of account in XXXX. Prior to charging off my account Wells Fargo had not sent me a statement from XX/XX/XXXX until charge off. I was not made aware of account status until i was contacted through the sheriffs department through a collection agency.
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/2021 LVNV Funding, LLC received my letter requesting documents such as validation of accounting and verification of my legal obligation to pay the alleged debt of {$870.00}, of which they have posted on my consumer credit reports. The company has not responsed to my request in 30 days with the documentation requested, which is a violation of the Fair Debt Collection Practices Act. This account is not mine and I have no legal obligation to pay the alleged debt. Due to the violation of the Fair Debt Collection Practices Act, this account must be deleted from each of my consumer credit reports.
Consumer complaint received 2017-12-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC. (TX)

My husband totalled our XXXX XXXX XXXX on XX/XX/XXXX. We notified Exeter immediately and advised them the insurance company would move the vehicle. Conversation recorded. We spoke with and updated Exeter on status several times. Again On XX/XX/XXXX, I spoke with Exeter for 13 minutes explaining XXXX would move the vehicle and we would begin negotiations for payoff. Exeter moved the vehicle without permission and effectively repossessed a vehicle that was not in default. They say they mailed a notification on the XX/XX/XXXX and had tried to reach me prior. ( Again I spoke with them 13 minutes on the XX/XX/XXXX ).  They did not. I only saw the notification by looking at my account at a later date. We are still attempting to negotiate payoff. Exeter has made it clear they refuse to release title or work with me on the insurance claim. When I spoke with an agent recently, she became upset that I was recording the conversation and refused to talk further. Each time I call they seem very concerned about recording because of the illegal nature of thier dealings concerning this matter. They have reported a repo on my credit report drastically effecting my score and have made no attempt to help resolve the issue.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (VA)

On XXXX XXXX, I received an email from Netspend XXXX by XXXX. The subject header on the email was Your account materials were returned. After reading the email I instantly became alarmed that my identity may have been stolen and someone was attempting to open an account in my name. I immediately forwarded the email to XXXX and Netspend XXXX customer service to inform them that I have never tried opening an account with either of these companies. I requested that the companies validate the legitimacy of the communication because it was either fraudulent activity or a phishing attempt. 

Netspend took 10 days to reply and brushed my concerns off by saying it was just an attempt at offering me an account. Then, had the audacity to ask me to chat about opening an account with their company with shady business practices. 

The original email was misleading and provided a false sense of purpose for contacting the two companies. If I had done what they requested in the email an account may have been opened in my name and because it is a prepaid card somehow the company would have likely tried to get money out of me on false assumptions. 

I request that CFPB investigate the marketing and advertising practices of this company to protect financial consumers across the country from this companies poor business practices.
Consumer complaint received 2020-09-01
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. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-04-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

" WARNING ''. There are two negative accounts on my credit report which may be from the Equifax data breach of XXXX. Acct # XXXX for the amount of {$140.00} and the second acct # XXXX for the amount of {$81.00}. These two accounts are still being reported after " 83 DAY 'S '' with Equifax after I've sent them a letter on XX/XX/XXXX ( copy of letter is attached ) stating that the accounts were not mine. XXXX XXXX XXXX both deleted both accounts off my credit report XXXX a copy is attached ). As Equifax is well aware, federal law requires credit reporting agencies to respond within 30 days. Equifax has failed to respond in the proper time frame. Failure to comply with these federal regulations by credit reporting agencies will be investigated by the FTC ( 15 USC 41, et seq ) and they must delete the item immediately. If Equifax do not delete this item they may be liable for their non- compliance. Leaving this inaccurate information on my credit report is a Defamation of my Character and has brought me in a stressful state of mind. Im asking to please remove these two accounts off my credit report immediately! Thank you
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Greetings ; I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.
Consumer complaint received 2020-12-11
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: Experian Information Solutions Inc. (NJ)

I sent the letters out to the bureaus on XX/XX/2020 and I have not received any notification of the investigation being started. I feel like I'm being taken advantage of. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been over 30 days.
Consumer complaint received 2020-12-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

On XX/XX/XXXX Freedom Mortgage abruptly stopped taking out automatic mortgage payments from our account with no warning or written explanation. In the following weeks when my wife noticed she immediately called to see why the payment hadnt come out. They said that she was in bankruptcy and they couldnt speak to her without her lawyers permission. This was false. She was not in bankruptcy or tied to any bankruptcy and so she doesnt have a lawyer. I, her husband who is not a borrower filed a single chapter XXXX bankruptcy and they said that somehow our previous mortgage company XXXX XXXX  triggered this into their system. Anyway they said there would be no late payment because its not my wifes fault but we would have to send checks until my bankruptcy was over. My wife immediately sent the check and we continued on time ever since. They lied and were dishonest because they still reported a late payment to all credit bureaus. When we spoke to several supervisors they all acted as though they wanted to help and they were on our side because the late payment was not our fault. However, they still came back with the conclusion that they were right in reporting the late payment to the credit bureaus with no explanation. My lawyer explained that in her bankruptcy practices she has never experienced a mortgage company that froze the account due to the single bankruptcy from a no borrower and that this was crazy and absurd. My wife was planning on refinancing and now they have made that impossible in the near future because of their dishonest and immoral business practices. If we didnt have the money and/or didnt make payment on time for that reason then we would take responsibility. This is clearly not the case. We have a lawyer right now that is willing to file a suit against them but we are weighing our options because we will have to pay the legal fees if we settle and we know that they will settle because they are 100 % wrong. Freedom Mortgage should be ashamed of their selves for taking advantage of working families during a global pandemic. I will pursue this to the furthest extent of the law until it is rectified and this is only the first step.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In XXXX 2017, I signed up to get my credit report through Transunion. Unbeknownst to me I was signed up for a Credit Monitoring service consisting of XXXX per month. I simply missed it but caught it XX/XX/XXXX. I called effective today. spoke with an agent about getting the money refunded or at least giving me proof of services. She referred me to my account which says little more than the date I signed up for services. This is not helpful I said and requested to speak to a supervisor. She offered me back the most recent charge for XX/XX/XXXX. I then spoke with the Supervisor but this was only after a lot of push back. She also erroneously told me I could not speak with someone or submit a dispute on the transaction. It makes sense to me that Transunion would have a Dispute Resolution Center. I then Spoke to the supervisor " XXXX '' would not disclose last name, and he stated he would only refund 6 of the 9 total bills. I asked for a confirmation email for the refund but he refused to send one to me and said within 10 days ' I should get the money. Gave me Reference # XXXX. 

This feels like a bait and switch. I researched this and it appears to be a common tactic by this company. 

They know that since consumers are stuck with arbitration fees they will not pursue it for such a miscellaneous amount of money. I would like a full refund not part of my money that they should not have gotten in the first place.
Consumer complaint received 2020-12-11
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: Absolute Resolutions Corp. (WA)

On XXXX XXXX, 2020, Absolute Resolutions Investment add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Absolute Resolutions Investment has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2017-12-13
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XXXX XXXX 2017, I received a bill from HSBC bank which appears that someone had stolen my identity and opened a new credit card under my name and address. They charged {$9400.00} on the card. I called HSBC bank that night but was on hold for almost one hour. I tried calling again the next morning and was on hold for another 50 minutes. Finally, I went to the branch in XXXX, CA and they had me call their Fraud line again. I called from the bank and was on hold for another 37 minutes before someone talked to me. I was asked to fill out an affidavit form which I did and returned back to them but have not had any results. I also disputed the card on XXXX but HSBC bank certified to XXXX that the information is correct. When I was at the bank, they told me some information filled out on the credit card application was incorrect. The applicant used the wrong home phone number and wrong email address. There was another bank that the criminal got a card from also under my name, but that bank had already resolved the dispute and removed it from my credit report. HSBC however does n't seem to care about my credit score and their customer service is very slow in responding. I think someone needs to audit the dept that is approving credit card applications at this bank. Especially if they are allowing transactions like this to go through. Other banks would have called to verify or have the stores check photo IDs.
Consumer complaint received 2023-01-09
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

This is a follow up on complaint # XXXX. Loan care sent me a letter mentioning that they reached out a insurance company called XXXX which has not have my policy FOR OVER 3 YEARS and ignored my multiple documentation sent from SECURITY FIRST which is my ACTUAL insurance policy for the house AND that includes FLOOD INSURANCE. I also reached out to XXXX XXXX and they faxed the required documentation on XX/XX/XXXX AND XX/XX/XXXX and the issue still without a solution and Loancare still charging me a {$3000.00} flood insurance. 

Lastly, on their letter they sent me a customer care number with an extension number that doesn't exist ( extension XXXX ) and the number goes directly to a voice mail. 

These are deceptive and illegal practices where this organization ignores the proof of insurance and charges home owners ridiculous amounts for a policy that was never needed. 

Because this deceptive and illegal practice, my monthly payment moved from {$2300.00} per month to {$3100.00} this upcoming XXXX which will be impossible for me to pay. 

Please investigate and DO SOMETHING! 

Kind Regards XXXX XXXX Loan # XXXX
Consumer complaint received 2020-12-11
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. (TN)

I did not authorize the following inquiries on my credit report :XX/XX/XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XXXX XXXX, 2020 XXXX - XXXX, XXXX 2020
Consumer complaint received 2020-12-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (OR)

We have applied for a re-fi with our current mortgage company Caliber Home Loans XXXX XXXX XXXX XXXX XXXX beginning in XXXX of 2020. I have filled disclosure forms, had my credit run, and allegedly been approved on three separate occasions. Each time told the mortgage was going into final approval, then the process starts over. I don't understand what's happening but it seems the company is acting in bad faith. Since beginning this process I've been submitted to relentless adds and calls from companies claiming to be affiliated with Caliber. I feel they may no longer be a legitimate company. The processor XXXX XXXX does not respond to calls or emails. I have over 30 corresponding emails so I'm not sure which ones to attach here?
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was over charged on an app that I have on my phone. I was able to prove it so my bank issue me a credit for the overcharge. Two months later the bank charged my account for XXXX dollars that number I didn't have so when my social security check was deposit went in for XXXX I was XXXX dollars in the negative. Therefore there are bills I can't pay. Plus I can't do XXXX this year.
Consumer complaint received 2020-09-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (AL)

On XX/XX/2020 at XXXX, I received a call from the lender 's collection dept at BB & T regarding my vehicle loan # XXXX. This is my final payment and was due on XX/XX/2020. The lender told me they had a right to turn my loan over to collection after the 3rd day from payment due date. I have been paying on this loan for 4 years, and this was the first time I have been told this. My promissory note states the loan will be in default after the 15th day from payment due date. As mentioned, this payment was my final payment on the loan. Feeling threatened, I allowed them to accept my final payment in the amount of {$100.00} over the phone. I usually make my monthly payment by online banking thru my financial institution.