davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (OH)

XXXX XXXX is attempting to complete a short sale with Loancare since XX/XX/2019. XXXX XXXX XXXX called Loancare and they said nothing is needed and we will have a decision next week. XXXX XXXX called Loancare XXXX and the said to call back next week and they will email me a copy of the short sale approval letter. XXXX XXXX XXXX called Loancare and the manager said the short sale was denied because there is a 2nd. mortgage lien on title. The manager called XXXX XXXX and said that was a mistake as the loan is a 2nd. mortgage with Loancare. The file we re-opened and loancare said they will have a decision in 2-3 business days. XXXX XXXX XXXX called Loancare and they said the file is closed because it is in an active Bankruptcy. I spoke with a manager and they said that is a mistake as we have Chapter XXXX Bankruptcy attorney approval to short sale. After being on hold for about an hour he said the file will be escalated for a decision, and to call back in 2-3 business days. XXXX Loancare said that the file can not be reviewed for a short sale until Loancare receives the 1st. mortgage payoff letter. After speaking with the manage again they were able to find the 1st. mortgage loan payoff letter that was emailed to them back in XXXX. He said he will send the file to the investor for a decision. The occurance of events mentioned about are just 4 weeks of 8 months of continuing mis informed updates, and many occasions of them not receiving documents but then after further review they eventually find the documents they said they don't have. Can someone please help Loancare follow short sale guidelines.
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (CA)

I asked LVNV Funding LLC to give me proof of the debt that they were trying to collect. I sent them a debt validation letter back in XX/XX/XXXX. I got a response letter on XX/XX/XXXX from a company called Resurgent capital LLC. The letter says that they are looking in to my inquiry about the debt. Nothing happened. I resent another debt validation letter to Resurgent Capital LLC on XX/XX/XXXX. Again I got the same exact letter with the same description. the only thing changed was the date.
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

In XXXX, XXXX  my information was used to open a credit card with XXXXXXXX XXXX XXXX. The amount was {$2800.00}. I never received a card nor was aware of this debt until XXXX of this year when I looked at XXXX and saw that I had a past due collection report for this amount. I have disputed this with all credit bureaus and the FTC. I continually check but it remains as a collection account with LVNV Funding LLC. I have attempted to speak to XXXX and XXXX but to no avail. I have also had my lawyer contact the parties involved but the fraudulent charges remain in collection with LVNV.
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (NY)

The company is having agents call make arrangements for payment falsely and deceitfully assign the vehicle for repossession after claiming they would make sure the car doesnt fall into repossession and the payment plan was valid the car itself is disabled from vandalism and theft and they are unwilling to take into consideration the customers needs for assistance.Thankyou
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

The loan with Westlake was paid on XXXX, however it continued to be reported that I had XXXX auto loans out at that time. My XXXX  score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other XXXX credit bureaus have NO SCORE for me according to your site that I was just on? 
What in the world is going on?? I can not even attempt to purchase anything with this XXXX score!! 
Do the XXXX bureaus share information? 
Please help!! Thank You
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX and XXXX, these charges were made to my Wells Fargo checking account : XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX NO NAME {$810.00} XX/XX/21 XXXX XXXX XXXX TRANSFER XXXX XXXX {$25.00} XX/XX/21 XXXX XXXX PHONE PYMT XXXX XXXX XXXX XXXX XXXX {$220.00} I did not authorized any of these charges. 
I could not find a number for XXXX XXXX XXXX  to initiate a complain. 
I called XXXX and they are investigating this with my bank. 
I wasn't able to reach XXXX XXXX. 

The XXXX transaction shows up under the category 'phone/internet ' in my wells fargo account. 
The XXXX XXXX shows up as under 'XXXX/XXXX XXXX ' and the XXXX  XXXX shows up under as 'Other Debt Payments ' I called Wells Fargo and they have closed the checking account and are investigating these transactions.
Consumer complaint received 2017-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is not my XXXX card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX. ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

Trying to get time barred acct. removed from Equifax. XXXX XXXX XXXX charge-off in the amount of {$30000.00} Date of last activity is XXXX/XXXX/XXXX. State of Washington Statute of Limitations for this type of debt is 6 years. Both XXXX and XXXX have removed this item in a timely manner, when finally spoke with a human at Equifax in XXXX or some other place they do n't speak or understand XXXX, she said it wo n't be removed till app. XXXX/XXXX/XXXX??? I am trying to refi my home mtg. and this one item is a hold up. She refused to look any further or offer any explanation as to why they did not have to abide by Washington state XXXX as have the other 2 agencies.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Experian and XXXX refuse to accept communication that was authorized by me, XXXX XXXX XXXX XXXX, disputing information on my credit report.
Consumer complaint received 2020-11-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

I had an FHA loan that was put into forbearance in XXXX. We made our last payment XX/XX/2020. Before that date we were current on our payments and never missed a payment ( we were current throughout our entire forbearance ). Our home was sold on XX/XX/2020 and the loan was paid off in full. However, our mortgage servicer ( Lakeview/XXXX  ) is not only reporting us 90 days late, they are showing us with a late payment in XX/XX/2020, two months after the close of our mortgage. We attempted to get prequalified to purchase a new home and have been unable to do so as a result of their negligence. 

We have been attempting to handle this with Lakeview/XXXX for the past two-three weeks with no success. They have promised someone would call multiple times which never happened. They sent a " letter '' to correct their mistake which was the same letter they sent on closing showing the loan was paid off. Originally, they said they had never reported us late to the credit bureaus, then required me to show them which credit bureaus were actually showing late. Once they had that information they said it will take 30 days to fix the problem even though it is their mistake. They are in clear violation of the Cares Act and the Fair Credit Reporting Act. I made all of my payments on time and fulfilled my obligation. Now, I am unable to purchase a new home due to them not only reporting me 90 days late, but reporting me late in XXXX 2 months after the close of the account. 

The email thread between myself and the mortgage provider is extensive. Today, I finally gave them until XXXX to call me to try to clear this up. It has been two weeks of them stringing me along. They said to give them time, someone would call. I said I needed someone to call today by XXXX ... they have had two weeks of time. They then said it would take 30 days to fix. I am tired, I did nothing wrong and I know I am not the only person who they have harmed in this manner. I am hoping by filing a complaint with you it will get someone's attention and possibly help someone else who has been harmed in the same manner.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have tried unsuccessfully to have a re-aged collection removed from my report. I spoke to the original creditor ( XXXX XXXX ) who told me they sold it to a collection agency and then 9 months ago pulled it back and then just recently sold it to another company and it showed up again as a new collection, even though it is over 2 years delinquent. XXXX was not able to give me a copy of my last statement because my account has been closed for 2 years. I was recently denied a mortgage because of it being a new collection, plus it pulled down my score. I have disputed twice asking them to report it accurately. This is not a new collection and the dates should reflect that. In fact I dont understand why they are allowed to pull it back ( their words ) and then put it back on 9 months later as a new collection with new dates. Please help me because I can not even pay off this debt with the reporting info not resolved.
Consumer complaint received 2021-04-09
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. (PA)

I sent a certified letter requesting disputes with Equifax for information that wasn't mine on my credit reports. I gave them over 30 days and they still didn't respond. I would like them to remove these items as they are in violation of the Fair Debt Reporting Act. It was signed for on XX/XX/2021. The certified mail piece number is XXXX.
Consumer complaint received 2017-12-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MO)

I began this process a year ago. I applied for mortgage assistance, and was entered into a short sale agreement that unfortunately didnt work out. There were issues with the realtor, and eventually the agreement fell through due to requirements from the mortgager that was supposed to get handled but never were. Things were being requested that were never in the home before we purchased it. I never received a resolution, and entered into the assistance program again. This time around I had an individual interested in renting the property to help us get out of our financial crisis. I simply needed a forbearance agreement. Sounded simple, but now over 8 months later, I am still getting lied to and XXXX  around. I believe their goal is to obtain the interest, and render me completely insane in the process. I have literally sent them every shred of paperwork requested multiple times. I would talk to a rep that stated everything was there and good to go, and the next time I called would be told the opposite. I would resend everything again, and go through the process all over. This exact described situation has happened so many times I lost count. I talked to reps during these months that called to check on the loan and if I would be making a payment. When I told them I am in the assistance program, they stated that they were in a different department, and couldnt assist me. It became so crazy that they said a small smudge on my docs were keeping my files from going through. I corrected the said smudge, and the next time they didnt know of any reason my files werent working. I sent the docs needed to them in so many ways that they should know everything about us. Now, they arent working with me, and I have a forclosure date looming. All I need is a forbearance to proceed with the renter. Please help us out!!!! I cant work with people that tell me lies after lies. I am going insane!!!
Consumer complaint received 2020-11-29
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. (NY)

I discovered XXXX  XXXX XXXX reported my mortgage account as closed, in a derogatory status and that no payments have been made since XXXX of 2015, all of which is incorrect. Despite multiple calls to XXXX and multiple promises that this would be corrected, XXXX refuses to correct the information or update my credit reports.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MN)

I initiated a wire transfer to XXXX on XXXX/XXXX/XXXX for {$5000.00} when XXXX listed their incoming wire transfer services as working properly. I have not been credited the {$5000.00} still. They disabled online help requests since I have initiated the transfer and do not pick up the phone.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tried unsuccessfully to have a re-aged collection removed from my report. I spoke to the original creditor ( XXXX XXXX ) who told me they sold it to a collection agency and then 9 months ago pulled it back and then just recently sold it to another company and it showed up again as a new collection, even though it is over 2 years delinquent. XXXX was not able to give me a copy of my last statement because my account has been closed for 2 years. I was recently denied a mortgage because of it being a new collection, plus it pulled down my score. I have disputed twice asking them to report it accurately. This is not a new collection and the dates should reflect that. In fact I dont understand why they are allowed to pull it back ( their words ) and then put it back on 9 months later as a new collection with new dates. Please help me because I can not even pay off this debt with the reporting info not resolved.
Consumer complaint received 2020-07-23
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: SYNCHRONY FINANCIAL (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

the Paypal company close my account for not reason and them will not help me with Getting it back up and going. Everytime when i try to take out my money From my account they just block me for avoid me can me spent my money. 
They just made all complicate. My account was already verified with all My personal information and i never made any mistake. I never had any Dispute or charge in my account. i just put money in my account for buy and send money to my family. so, Now they just close my account with all my money. I think this Company stole money from people, They never takes my calls or respond my message. They used to remove all conversation for avoid evidence. PayPal is not doing her job properly and that the reason i am File a report here. Paypal is violating the rights of people by closing Accounts to keep the money and so make your company grow with the Money that is stolen. 
My personal email is XXXX XXXX
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: COMMERCE BANK (OH)

Commerce Bank ( XXXX XXXXXXXX ) credit card XXXX XXXX XXXX XXXX Card lowered my credit limit from {$2000.00} t0 XXXX $ overnight, after they received hectic payments lowering my credit balance. 

It appears that they deliberately lowered my score, when I was trying to pay up the balance lowering my credit balance. 

I spoke with their CSR for which she replied that they will be sending a letter soon. 

I think this is an outrageous maneuvre by some credit card companies either for their protection, but will affect a honest credit payers intention to improve his credit go to the ocean.
Consumer complaint received 2023-03-24
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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.

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 2020-11-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I opened this XXXX account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I've been attempting to resolve issue of two missing payments, amounts of {$3700.00} and {$500.00} plus estimated IRS taxes, for several months with no resolution. Complaints filed with CFPB prior were replied to by either referring back to prior replies which state checks cashed and or address sent to verified or attempt to state the same, address verified and or checks cashed..The checks were sent to my old address after I moved which was in XXXX of XXXX, it appears the person ( s ) now residing at address possibly intercepted, signed and cashed in my name, which I detailed in prior complaints ... Wells Fargo reps claim to have addressed this issue as well, however, have not, prior replies were reviewed and fraud issue not addressed or issue of missing payments. There is mention of a letter signed, agreeing to {$500.00} payment which again, was sent to old address after I moved and was not signed by myself.. Needless to say, reps are unable to refer to signature forged document. Further, the payment amounts totaling {$4200.00} do not cover damages caused by Wells Fargo reps opening accounts I did not need or want, which was also detailed in prior complaints, issue not addressed. I requested a reasonable settlement offer for sustained damages including two missing payments, no offer made to me to date... Still, Wells Fargo reps continually refer back to prior replies which do not address any of above issues... I've called Wells Fargo executive phone bank numerous times at XXXX, given various numbers to remediation dept, all incorrect. In order to locate correct number, I had to call the company whom issues payments on behalf of Wells Fargo, XXXX, given correct number which I've also been calling numerous times, spoken with several supervisors including a XXXX and XXXX, no resolution to date.. Both reps have put in requests to locate payments as well as reasonable settlement offer, nothing done to date. In closing, the CFPB should avoid sending this complaint to a XXXX, XXXX, XXXX XXXX, XXXX XXXX whom appears to be attempting to avoid further contact by refusing to reply ... Also, Wells Fargo should be investigated by CFPB with respect to their handling of this matter and their remediation dept as a whole, they seem to low-ball offers in attempt to avoid paying adequate amounts. The purpose of these complaints is to afford Wells Fargo opportunity to resolve issues directly, apposed to legal action.