davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (FL)

XXXX/XXXX/203 I filed a complaint XXXX ) about a card I never activated and funds leaving my acct via withdrawal, I call netspend.com and they gave me the run around and the reps were rude and non helping and aggressive, they locked my access to my account login and they refusing me my refunf
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO DEALER SERVICES  : The XXXX reported as past due is an error on Wells Fargo part. All excess liability was paid for by my GAP insurance coverage purchased from Wells Fargo, as confirmed by a document received by them in XX/XX/XXXX. ( 1 ) This has resulted in continued threatening action and misrepresenting the status of the debt which was paid in full in late XX/XX/XXXX. Reported as active collections on both XXXX and XXXX  for a total of XXXX and as a revolving account to XXXX, with a past due payment of XXXX. ( 2 ) Wells Fargo misrepresented the type of debt, causing the most harm to my report and score. This represents a lack of good faith effort to ( 3 ) Consistently report the same data to all bureaus ( 4 ) Affirms there was no review of my file in validating my debt to bureaus, disputed multiple times since XX/XX/XXXX ( 5 ) With the outcome of a detrimental mark on my credit report for years as a result of their error when my account was paid and closed in good standing over 4 years ago.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion has been notified that there are problems with my credit report for a while and has told me that their original investgation revealed that my credit report is correct, then sent me a letter saying that they can not continue with my request to block information on my report because there is not enough " information '' and then when I request the results and evidence, they send me a letter saying they need to do an investgation first. I have been told by my lawyer that Transunion is known for not actually investigating and I am starting to believe it, according to the FCRA, I am entitled to all the inforation from all these other investigations so why can I not get those results while this " new '' investigation is being done.
Consumer complaint received 2016-10-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CT)

This is additional information about case # XXXX cfpb emailed me that it has received a response from Wells Fargo National Financial Bank. If so I have been unable to read WFNFB 's response on your website. Nor can I get through to you by phone. WFNFB has never responded to me concerning my complaint except by XXXX meaningless letter. It has never provided me with a telephone number or an email address so that we can communicate. It is the most secretive, unresponsive organization that I have ever encountered. I have also filed a complaint with the XXXX asking that no late fees ever be charged to me and a fine in the form of an abatement of any amounts due to the bank. Dealing with WFNFB is light dealing with the XXXX. Since I am unable to reach you by phone, perhaps you could call me at XXXX and read to me the bank 's response
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

on XX/XX/2024 i requested with all three CRAs that i have been a victim of identity theft, filed a FTC report by law and submitted to them. per FCRA all information should have been blocked and deleted within 4 business days of receipt. Today it's the XXXX of XXXX and have not heard anything from them concerning my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XXXX Mortgage dba XXXX is a servicing entity for HSBC Bank. We are trying to obtain a satisfaction of mortgage on an old HSBC loan XXXX HSBC was successor in interest to the original lender ). This loan is paid and we have followed normal procedure to obtain the duplicate original satisfaction. PHH ( also known as " XXXX '' ) as verbally confirmed the loan was paid. We faxed our original request for the satisfaction on XXXX XXXX, 2015. Since then, we have made numerous requests to get status on this matter. As of XXXX XXXX, 2015, we have been contacting them twice per week ( via phone, fax or email ) to obtain status. We are told " a manager will call us back '' and not once have we had a return phone call, or even any correspondence from them concerning any one of our numerous inquiries. As per New York XXXX Law, Article 8, Section 275, a lender is required to provide the satisfaction upon payment of the lien in full. Paraphrased herewith is a summary of the law : " Failure by a mortgagee to present the certificate of discharge for recording shall result in a mortgagee being liable to the mortgagor in the amount of {$500.00} for failure to present the certificate in 30 days ; for {$1000.00} for failure to present the certificate in 60 days ; and for {$1500.00} for failure to present the certificate in 90 days ... ''. We do not wish to obtain any monetary compensation or penalty for their gross negligence, but wish to have this matter resolved ASAP and have them produce the duplicate original satisfaction so we may have it recorded in the land records which will allow us to proceed with closing of the REO sale which is being delayed due to this matter. Thank you.
Consumer complaint received 2022-02-13
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. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2015-03-21
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (PA)

XX/XX/XXXX my house in XXXX, Va was sold in a short sale with GMAC which covered the mortgage and XXXX mortgage. GMAC transferred the XXXX mortgage to Ocwen Loan Servicing when it was not owed. Ocwen after researching said I did not owe it and to disregard and letters in the mail until they enter info. They never took it off my credit report. It is still on there as an adverse account. The " loan '' was then transferred to XXXX XXXX whose loan administration after 3 months research found I did n't owe it either as it was paid off in short sale. XXXX has removed the loan from my credit report but can not remove Ocwen. I see there are other people having the same problem and many other problems with Ocwen. Ocwen is currently on alert and being looked into by the government and law suits are pending approval. I do not want to do a lawsuit and just would like it off my credit report since it never should have been there since the beginning with GMAC. The attorney general of VA sent me a check for XXXX and an internal audit sent XXXX for the illegal handling of the sale and loan by GMAC. It in no way made up for the many problems and financial issues and nothing should have been transferred to Ocwen. When you call Ocwen they are from XXXX and can not understand issues because they do n't speak very good English and do n't understand it either, they read from a script and never understand the problem or they just hang up on you. They had agreed to remove it but as of now it is still on there. Talked to them about this matter XX/XX/XXXX. 
Please help me if you can It has been too long and my stress level is out the roof. Anything you can help me with would be greatly appreciated.
Consumer complaint received 2016-02-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is reporting a XXXX XXXX on my credit report. This transaction was not initiated by myself it was a towed vehicle that was sold by myself. 

Transunion and finex group have no standing in reporting anything on my credit report since this was not initiated by me.
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Porsche Financial Services, Inc. (TX)

I purchased a XXXX Porsche XXXX in XX/XX/XXXX from Porsche XXXX XXXX and used Porsche XXXX XXXX for the loan. 

I purchased a new car XX/XX/XXXX from XXXX XXXX. XXXX XXXX immediately cut a check for the full payoff amount per the payoff statement of {$9300.00}. Porsche received the check ( Check # XXXX ) and cashed it on XX/XX/XXXX. Following the cashing of XXXX  XXXX 's check in late XXXX, Porsche continued to take money from my account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Monday, XX/XX/XXXX, I received a check for TWO payments only ( {$1300.00} ) for reimbursement despite being owed 3 payments. They accepted the full payoff amount in XX/XX/XXXX and still took out 3 payments following the cash out plus trying to take ACH Debits out of my account 4 months later! 

XX/XX/XXXX, I received correspondence from Porsche XXXX stating they are reporting me to the credit bureaus for late/default payments and penalties because I blocked payments, however, I do not owe any money. They will not return my calls ( I've been speaking with PFS and XXXX who is higher in charge at XXXX ) about whats going on. They reported in XX/XX/XXXX to my credit bureaus that I was paid off. So what are they trying to collect from my bank account? Thank goodness I did a stop payment with my bank!
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

I had an account with XXXX, they got bought out by Wells Fargo Bank. I was cold called by a company who was offering me services/home apliances insurance, they had my bank account number!!! I told them that I did NOT want anyone to take money out of my account each month, but to send me information & if I liked it I would pay for the year. I gave them my address & they never sent me their information. I noticed a few months later that some unknown company was taking money out of my account without written or verbal permission. I called Wells Fargo & they investigated saying " I gave them permission by giving them my address over the phone '' How did I know that I had this insurance? I never signed a contract, I never got anything in writting, I did not have their phone number to call them if one of my " covered " apliances needed repair. This was a SCAM. Wells Fargo owed me {$120.00} for the money they removed from my account & an apology for all of the anger & mean thoughts I have had & expressed to everyone I meet about this criminal enterprise/bank. If they want to make amends for their fraud, they could payme {$35000.00} as I could use a new car. I am an XXXX, & my car is getting old. 
Thanks for letting me tel my story
Consumer complaint received 2015-08-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WI)

Ocwen Mortgage - they were over charging me for escrow on property tax. Overcharging me in excess of XXXX a year. I contacted them and they promised to correct it and send me a refund. I was told it was handled. So I started paying what I thought was the proper/adjusted mortgage payment. As a result they charged me with " late payment '' with fees and it showed up on my credit report. This has been a negative mark on my credit. Finally after repeated calling they did take care of it and issued me a refund for overpayment. They never removed the credit errors of " late payment ''
Consumer complaint received 2024-03-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Law Office of Michael J. Scott, PC (GA)

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX ___________________________________ Scott and Associates XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX - XXXX RE : ACCOUNT XXXX File # : XXXX Dear XXXX XXXX, I am continually being called on the telephone by your firm over an alleged debt. Im sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing or email. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiffs debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled that reporting a collection account indeed is considered collection activity. 

While I preferred not to litigate, I will use the course as needed to enforce my rights under the FDCPA. 

I look forward to a speedy resolution of this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus stated they properly investigated my XXXX XXXX XXXX account but how is that possible if the payment history is inaccurate, the status is inaccurate, the highest balance reported is inaccurate, the account type is inaccurate, the balance updated is inaccurate and the status updates is inaccurate.This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Stated 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 2016-08-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: First Associates Loan Servicing LLC (NY)

I have tried paying my loan but I ca n't and I am two months behind on my loan and I called them to let them know about the payment peaks loan said ca n't you borrow the money from a family member
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion is reporting XXXX bankruptcies on my credit report illegally. I disputed with Transunion and XXXX came back verified. Contact the courts and the say Credit Bureaus NEVER contact the courts to verify anything.
Consumer complaint received 2015-10-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates (TX)

I continue to receive calls from an automated recording from Cooper, Hofffman, Klein and Associates threatening to take an illegal action. I have contacted the number and asked that they please do not contact me at work as personal phone calls are not permitted. The individual that answered XXXX refused to listen to my request and would not transfer me to anyone else for assistance. She said that she had every right to contact me and that she was going to call " XXXX County Police Dept '' and file charges and that I should expect an officer to show up at my place of employment to arrest me. She refused to give me her fax number so that I could send a cease and desist letter to this organization. She then hung up on me. I called back later that afternoon and another person provided the fax number to me. I faxed the cease and desist letter to XXXX on XXXX XXXX, 2015 @ XXXX. Fax confirmation number is XXXX. I have sense received calls from this same organization on a daily basis with an automated recording being left on my work voice mail. I can not get them to stop contacting me and need assistance. Please advise.
Consumer complaint received 2015-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (VA)

Apartment Lease ended - we provided 60 days notice as required by leasing agreement. Removed all personal items and clean the apartment and return all keys. 

Paid remaining balance to Landlord. Landlord sent an itemized bill. Attempted to obtain clarity, no resolve. Filed a civil suit in court and judgement for Defendant. Paid the amount of XXXX via Check. 

Called landlord and settled the amount owed and paid via check. 

Now - have collection agency call me about the same debt. 

Hunter Warfield ( XXXX ) XXXX
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Klarna AB (PA)

i used klarna to make XXXX purchases. they take pmts every XXXX weeks. XXXX of my packaged was missing an item so i was alloted a refund from the merchant. another package was placed at the wrong house and i was refunded as well. the refund went thru klarna when they refunded they miscalculated the amount i advised them at least 6 times theyre math was off. they kept sending me in the same circle.not giving me the diffrence of they owed me
Consumer complaint received 2024-03-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION (TX)

I have reported this company and they provided a false statement about the outcome. They advised that they updated the balance to reflect the correct amount and didnt. They are reporting different information to the credit bureaus and have violated my rights and broken FCRA laws. They first reported this was taken back and I asked to give the vehicle back to them. They advised the XXXX  that my payment balance was updated and I will provide the response. They sold the vehicle but updated the balance back to what they shouldve never done after falsifying a Statement and correcting it and closing the complaint. They immediately put it back afterwards. After the sale of the vehicle, they were to furnish me with the sale amount and my remaining balance and didnt. Now they have charged the account off less than 45 days after the sale without properly reaching out to me. Im asking to have this account removed from my credit reporting immediately. They have been reported many times by others and have active lawsuits. This company has caused me lots of trouble and reporting negative incorrect information.