davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-07
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: TMX Finance LLC (SC)

Received email from lender stating that they were going to sue me and inform my employer and I was only 2 days late. Here are their words : " Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. ''
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (IL)

The borrower, XXXX XXXX was approved for a XXXX My City trial modification in XXXX 2015, to be completed XXXX 2015. He successfully completed the trial and has been waiting for the last 4 months to get his final modification documents. This is the XXXX client I 've had with Seterus that has experienced a ridiculously long delay in receiving final modification documents. This is also the XXXX complaint against Seterus that I have filed with CFPB. The standard turaround time for permanent modification documents is 30-60 days. I checked with XXXX and they confirmed that it is up to the servicer to create the modification documents and then it 's forwarded to the investor for approval. Seterus has n't even gotten to that part of the process yet.
Consumer complaint received 2016-12-10
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (WA)

The bank gives out bad financial advice. Recommended that I put money into an IRA account. Because of this advice I pay more in taxes, .. a lot more! The bank is unable to give me details of my account. Can not tell me if I 'm making money or losing money on investments. Can not tell me how much money I put into a investment account. Can not tell me the rate of return or how much the gains are of the account. I can only assume the bank is stealing money from me.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WV)

Midland Credit Management Debt Collections contacted me about a debt in XX/XX/XXXX that was originally obtained by XXXX XXXX in XXXX or XXXX. At the time of being contacted by MCM, I had a payment plan with XXXX XXXX. Portfolio Recovery sent me this information ( along with communication, where they confirmed they never sold the debt back to XXXX XXXX or another third-party ) so I could share with MCM prior XXXX them placing another account into collections, that was the same as I was already paying on with Portfolio Recovery. I have made multiple attempts to show I have already paid this debt to MCM to no avail. I have even sent the correspondence with the big XXXX credit companies. I ended up stopping to answer their calls, because of how frequently this was and I'm not in a position to pay XXXX debts that are the same. 
Around XXXX today ( XX/XX/XXXX ), my girlfriend was contacted by a member of MCM. She has been ignoring that number for weeks, as they have misrepresented themselves as " Account Services '' with no mention of MCM or Midland Credit Management. Today she had enough of the plentiful calls and answered. Before she handed me the phone, she asked if she was my spouse, to which she said yes, because she had understood her to say " is this XXXX XXXX 's house? '' We are not married, so she was unsure of why this was even asked. The representative then told her the details of my debt and began to question why my girlfriend said she was my spouse before I was handed the phone. This has now been over 2 years of me paying off this debt with XXXX XXXX. I do not know why they are harassing my friends and family now.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Since COVID, I used the COVID forbearance because of financial demands and job loss. Wells Fargo set expectations that the missed payments would be deferred, and consistently told me they would be when I started payments. 

In XX/XX/XXXX, I started a loan modification process to see if the payments could be lowered. That was declined. 

Around XX/XX/XXXX we got a collection call from Wells Fargo saying we were in default and needed to pay $ XXXX in payments and fees. 

On XX/XX/XXXX, I worked with an agent to setup the deferral of payments and began monthly payments on XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX, I was told that that I do not qualify for a deferral and I am in default by some agents and some agents said I was under review by underwriting, and still other associates said that I need to reapply for a loan modification to seek a deferral. 

On XX/XX/XXXX I received a letter that I need to pay $ XXXX to get out of default for my mortgage and if I did not pay that by XX/XX/XXXX, I would be in Foreclosure. 

My income has increased and I am prepared to make my monthly payment in line with the agreement made on XX/XX/XXXX. I believe that I have been misled and communications and decisions have come from flawed education and automatic system processes. 

After hours on the phone with Wells Fargo, they are stating that the letter saying I am in default and foreclosure will start XX/XX/XXXX was an error. They are reviewing my request for defferal, and will know a decision from the XXXX in 30-45 days from the XXXX. I do not trust they know what they are doing to ensure I do not enter foreclosure on the XXXX while awaiting their decision.
Consumer complaint received 2016-04-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NJ)

Quite simply, I authorized a transaction to Honda Financial Services for my monthly payment in a timely fashion. I posted this payment on XXXX XXXX, 2016 and it cleared my bank ( XXXX ) on XXXX XXXX. My payments are due on the of each month. 5 days later, Honda Financial posted another transaction of XXXX to my checking account without authorization. They claim it to be a " glitch '' but they do not realize that this XXXX over drafted my account. It 's not about the fee! They have denied me access to my own funds through an unauthorized transaction, however long that may be for. This is clearly a violation of my lease agreement. I have paid on time, every month. Doing business with an institution like this ( who violates their lease agreements ), is not in my best interest as a consumer. I wish for any action to be taken to terminate this lease as I do not wish for Honda benefit from hard working, bill paying American citizens.
Consumer complaint received 2021-10-09
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)

Experian did an investigation on XXXX. In a previous request, I disputed the fact that the payment status listed was not correct. I requested to have incorrect payment status/delinquency deleted from this account. During the reinvestigation, some of the delinquency was removed but not all due to incorrect information. This is a violation of my credit rights. If there is any delinquent incorrect information, it should all be removed. For example they removed late pay delinquency status from XX/XX/2020 ; however Experian left XXXX, XXXX, and XXXX at 90, 120, and 150 days. How can this be done? Once there is at least one inconsistency all the late pay delinquency status must be removed. How can you just say the customer is 90, 120, and 150? Its incomplete. You cant go from not reporting at all to 90, 120, 150. This is incomplete and is in violation with the rights of the consumer. Please remove the remaining late pay delinquency from this account.
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This Debt was already on my credit record since 2014 and was removed two - three months ago, now they have added it back on. Since it has been more than 6 years for them to collect and was removed previously I do not owe it and it needs to come off my credit report. Thank you
Consumer complaint received 2017-02-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Long story short. A few years ago took out a title loan, the car was crashed and paid off ( partially ) the company ( named above ) reached out that I still had payments. The only contact they had was my Old number and my old job number, so were n't able to get in contact with me. This XX/XX/XXXX I had a summons to report to court I did that. Where me and a lady from the above company name met and signed an agreement that I 'd pay an amount. I did miss the payment of not working right now ( which I explained at the court ) I only receive Cash aid and Food stamps. On XX/XX/XXXX at a approximately XXXX my old coworker texts me like HEY, SOMEONE CALLED YOU REGARDING SOME MONEY. I asked him if he got her name and number, he only got the number. So he then tells me, YEA SHE WAS ALSO ASKING IF I COULD GIVE HER YOUR LAST XXXX SSN FOR VERIFICATION OR AN PAYROLL INFO, my friend said he could n't provide that information to her. I then reached out to the company where a lady was being very UNPROFESSIONAL she went on to tell me WHY THE XXXX HAVE N'T YOU PAID YOU WENT TO COURT AND SIGNED PAPERWORK, YOU KEEP GIVING US THE RUN AROUND, yada yada yada, so I went on to inform her that first off, you 've been calling my OLD place of employment I can give you my cell and I can make a payment on the XXXX of this month. So eventually, I asked to speak with someone else, the mean lady said that another lady named ( XXXX ) would contact me. It 's XX/XX/XXXX and yet to hear back. I just would like to be able to pay or miss a payment in peace, like stuff happens, I told her I 'd pay this coming Fri and it was like if you do n't have now then where gon na take further action.
Consumer complaint received 2015-08-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WI)

Last XXXX my husbands employer had changed his payroll to salary XXXX to XXXX work first then get paid. This resulted in not getting a paycheck for a month. The other problem was his pay decreased because they changed from XXXX to XXXX weeks. I had contacted Wells Fargo before I even fell behind to ask what I can do and at that point they told me there was nothing can do for me. I see them always advertising if you anticipate payment challenges or if you need help they are there to help you. So I struggled and of course I fell behind. You ca n't make up pay you did n't get. I started to get charged late fees so I called and asked now what can I do to catch up. They put me in a payment plan that I could n't afford. Now they know I was currently in HAMP because I struggled when I lost my job after XXXX years in 2007. That program worked great for us. The payments started to go up, so that meant our arrears where increasing. In XXXX I told them that I could n't afford the current payment plan I was in to see if they can forbearance or something. Now up until last XXXX I was never behind, nor did I miss a payment. I assumed that they would be more than willing to help me. Now during the trial payment of my HAMP, my house was discharged in my bankruptcy by their error. So I also continued to pay because I wanted my house. I have n't been getting credit, but I really feel that now my house has equity they want it. I applied for anything they can help me with and that was XXXX XXXX. They continued to weird things, like send someone to my house and put a confidential notice on my door to contact my servicer immediately. That was illegal and there was no disclosure stating that they are not attempting to collect a debt. I was working with them My house was discharged so I had called because I was upset and explained the situation. The representative on the other end had called me a crazy lady. I could n't believe what I just heard. So I asked to speak to someone, had it escalated. Then my case was removed and given to someone else. But really no one said sorry to me, I could n't believe a professional could call a customer that. So I thought I would get fair treatment after that. Then I thought all was going well and then they denied me on XXXX XXXX. They then told me I can short sale, I could n't believe after XXXX years they could n't help me. I said you had no other options for a repayment? Their answer was I was denied because I was n't in imminent default. At this point I could n't believe that all that time they could n't come up with one thing. They claimed they had something ... what liars they had nothing. I felt once they realized I had equity they wanted my house. I had withheld a payment because I sure did n't want to not have one when they requested it. Their answer was I can appeal. What was there to appeal. They could n't do one thing for me? I think they false advertise helping homeowners. I had paid them faithfully and this is how I was treated.
Consumer complaint received 2023-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

A scammer used XXXX ( XXXX ) to catch me. 
Was selling " XXXX parts ''. 
I sent money via ZELLE through my banking app for the amount of {$290.00} to XXXX, on XX/XX/2023 Claimed to be in XXXX, XXXX, CA and needed more money for customs etc. 

I sent another {$200.00} via ZELLE through my banking app to XXXX on XX/XX/2023 This scammer then used a website, ( XXXX XXXX XXXX  ) to create tracking information ( very generic information ) using this as the sender information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When the " items '' made it to my state, I got this massive text message claiming I had to pay another {$450.00} " refundable '' charge and fill out some form, for the local authorities to release my packages. This is when I knew I've been had. That just doesn't happen. 

According to my bank and ZELLE XXXX contacted XX/XX/2023 ), any payments made through ZELLE is like handing cash to someone. Literally zero protection against scammers. I then had ZELLE report the email address I sent money to as fraudulent. 
Other than that, there's no actions that have taken place by either ZELLE or my banking institution. 

I still have all messages/interactions if necessary/needed
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (SC)

I received a letter dated XX/XX/2021, from National Credit Systems, XXXX XXXX XXXX, XXXX, GA XXXX, showing client XXXX XXXX XXXX , Client Account Number XXXX, NCS Account Number XXXX, and balance of {$8800.00}. I sent a letter to the company within 30 days for verification of the debt. 

As of this date XX/XX/2021, i have not received verification of this debt from National Credit Systems. This company has reported this debt to credit reporting agencies, XXXX, XXXX, and XXXX.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX    XXXX   nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix this.
Consumer complaint received 2021-10-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (OH)

They took my car after 2 months behind after understanding my bank closed and I had no idea that the payments was coming from a closed account even after I updated it. They are telling me they will not refinance me all I can do is buy the car out I just had a baby I was also just in a car accident do to a drunk driver that speed away. I explained all this and they still told me no.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (NC)

CMC placed a collection on my credit reports ( XXXX, XXXX, and XXXX ) in XXXX, XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was no information provided in terms of XXXX. I have not had CC with the original credit since XXXX and it no longer appears on any of my credit reports per XXXX. Even if I did have such an account, the debt would be outside the 7-year reporting window per FCRA. 

In addition, I did not receive any written notice via USPS as required by FCRA and therefore, have not had the opportunity to validate any debt that CMC claims that I owe. The credit reports do not list date of first delinquency or provide any proof as to the amounts owed or that CMC has legal standing to collect on the account listed in the credit reports.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I refinanced my mortgage with XXXX XXXX, which closed on XX/XX/XXXX. I prepaid my XXXX property tax at closing. The mortgage is now serviced by XXXX  XXXX affiliate Dovenmuehle Mortgage , Inc . 

The property tax was due in XX/XX/XXXX. Despite numerous messages through the " secure messaging '' section of website and phone calls I made to XXXX XXXX in XXXX and XXXX, my property tax was not remitted by XXXX XXXX until XX/XX/XXXX. I've attached the secure messages sent through their website. 

This cost me a tax deduction that I can not get back. 

IRS deduction limit is {$10000.00} per year in state and local taxes. I will have {$6800.00} in sales tax to deduct, and because of XXXX XXXX XXXX mistake, I will have no property tax payment to deduct to get me to the $ XXXX limit in XXXX. My IRS marginal tax rate is 35 %. So the XXXX late payment cost me {$1000.00} ( {$10000.00} - {$6800.00} = {$3100.00} XXXX 35 % = {$1000.00} ).
Consumer complaint received 2017-05-24
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: EQUIFAX, INC. (SC)

To who m it may c oncern, I called  XXXX   XXXX  and spoke to a woman by the name of  XXXX  in reference to a late payment of more than 30 days past due at not fault of my own.  XXXX  was quite rude and condescending while I was trying to explain the situation and remedy the problem. The situation arose because I purchased a new boat and traded in my  old one a nd there was an error that resulted in the payment from the boating company to the loan provider being late, more than 30 days which negatively impacted my credit. When I noticed the huge impact ( a decrease of  XXXX  points ) on my credit, that I have worked so hard to get to a good point, I called  XXXX    XXXX   and spoke to  XXXX  who again, was rude, condescending and provided no resolution or support and basically told me, " It 's not their problem. ''
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (OH)

I paid my account off in XXXX and after the fact first national bank of Omaha charged me {$22.00}. They did not contact me to let me know and then subsequently reported me delinquent to the credit bureaus.
Consumer complaint received 2023-07-27
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: WELLS FARGO & COMPANY (VA)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : Virginia Zip : XXXX Email Address : XXXX 15 U.S. Code S 1681c-2 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. 

It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 

Under. 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

I was a victim of Identity Theft. I filed the proper information, printed out the entire FTC Identity Theft Report with affidavit. Everything was removed from my credit report of all 3 bureaus except one item on XXXX from Progressive Management Systems. They intentionally falsified the paperwork they sent in regards to my immediate reply to their request for the FTC report & copies of ID/SSN card. I called, they apologized and sid they'd remove it immediately and still haven't sent the removal request to XXXX. Their paperwork also states their license is still pending. Is there a legal time limit they're allowed after it's been proven and sent certified to them -- that they're responsible for submitting immediate removal from my credit report?
Consumer complaint received 2022-09-06
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Mortgage serviced reporting both incorrect and/or no payment information at all. XXXX was transferred to present servicer in XX/XX/XXXX and I started making payments to them that same month. The servicer only started reporting my account on XX/XX/XXXX, its being reported like its a new loan and not a transfer, it showing only XXXX payment made on XXXX and no payments made on XXXX, its showing the wrong payment amount, but shows my loan was opened on XX/XX/XXXX. I contacted XXXX XXXX XXXX directly to ask them to fix this and tried to file a complaint, but Ive been getting the run around for almost XXXX weeks. This issue has caused a more than XXXX point drop to my XXXX XXXX and is causing great financial harm to me and my family with each day.