davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (MI)

Received paper statement in XXXX for XXXX 's bill, paid XXXX 's bill. Sometime in XXXX Honda Financial switched, without my knowledge at the time to electronic statements. Honda Financial stated the accounts were changed to online, my records showed that I was expecting paper statements as originally agreed upon in my terms and agreements with the lease. I did not receive a change to policy that my statements would be electronic, to this date I am told they are electronic but have no means to access this version of the statement. I have requested to be put back on paper statements in XXXX and my request has not been met to this date. I have contact Honda Financial on several occasions regarding these matters with the statements. 

Due to me not receiving these statements I missed XXXX, XXXX, XXXX, and XXXX payments has caused issues with penalties and a severe impact on my credit score. Honda Financial made one attempt to contact my husband to make a payment, at which they did not state there name, or that they were on a recorded line, and did not provide a means to correct the missed payment. In addition we did not receive any past due notices ; written or electronic. I have since paid all these in full after having my vehicle reposed including fees, finance charges, toeing fees, lot fees, etc. I have attempted to negotiate with Honda Financial since they did not provide a resolution in the matters on the statements, and have not provided options or abilities to correct these errors which has caused penalties exceeded {$1000.00}. I do have copies of the total penalties and fees that have been assessed to this date. I have also been on time with payments since this issue occurred, but have yet to have any corrections done by Honda Financial.

Honda Financial has continually ignored my requests to have paper statements, along with copies of the notices that I was past due in XXXX through XXXX. 

For specifics on dates, dollar amounts, and other information I have retained a physical copy of what has been assessed to date. I will be willing to provide a copy of this information for further details regarding total fees and penalties assessed. I would be able to fax these documents in since I do not have a scanner.
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NH)

I had received EIP payment 3 from the IRS via check so I decided to walk into a chase bank branch to get that deposited. When I got to the bank, a guy named XXXX asked if I needed help and I told him that I need help depositing a check into my account. When he saw the check, he mentioned that he could stamp this check at the back and I could then deposit it at the atm machine inside the branch and I wasn't comfortable about it and asked him to do it a teller window but he refused so I thought it should be ok since he is confident about what he is instructing me to do. I deposited that into the atm and 2 hours later I got a email saying that the check was rejected due to invalid endorsement so I called the bank manager next day - XXXX XXXX, the most ridiculous guys I have ever talked to. He works at the XXXX branch in MA. He said it was XXXX 's mistake that he stamped at the back and asked you to deposit the check at the machine when he was supposed to do it at the teller window as thats the protocol when it is stamped at the back. This manager guy told me this in a way that he wasn't even ashamed of what happened. I have to suffer for a mistake their employee committed which is so so ridiculous and that guy XXXX hung up on me. 

I need two things here - I need my check back asap and i Need strict actions taken against this Manager XXXX XXXX. 

If not, I am going to make this viral all over the internet on social media, XXXX, XXXX etc and call out chase bank and this manager. When I told him this, he said I could do what i wanted and he doesnt care. I cant believe chase has such people as managers. I need the district manager or someone above him to call me too. I had called XXXX who is apparently the district manager and left him 2 voicemails but he never got back to me.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (FL)

On my credit report I fought with a company XXXX which put a debt on my credit report through XXXX XXXX XXXX and the debt was deemed not a valid debt through CFPB. The history is on my account and now they just put the debt again through another company called EOS CCA collection for the same thing on my credit report. I just want them to completely remove this from my account because they are hurting my credit and affecting my life for a charge I never made. Please help
Consumer complaint received 2020-08-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Auto is currently sending me documents with fake CPI policy numbers and inaccurate dates that policys were placed on my car loan account resulting in delays and payments under the allocation program. On XX/XX/XXXX a care team customer I called at Wells Fargo XXXX XXXX XXXX XXXX denied being from Wells Fargo and advised me that they were a third party co named XXXX who did not have answers regarding any of my account information. 

Wells Fargo will not provide me with the mediation form request so I may obtain mediation outside Wells Fargo. 

On XX/XX/XXXX I was given The Wells Fargo Mediation Group phone number XXXX XXXX XXXX to get help with mediation. The mediation group referred me back to Wells Fargo CPI care team to request a Mediation form as they will not be able to assist me with the fraudulent letters and claims until they receive a Mediation Form. 

Again I called Wells Fargo care teams that are responsible for the allocation payments and was told I am not entitled to the Mediation form and that I must accept the fraudulent letters and they are rejecting my dispute of an inaccurate payment of XXXX and for XXXX. I have provided Wells Fargo Auto and the CPI settlement of a complete payment history of my loan validating over XXXX dollars solely in fraudulent ins premiums fees and int. They have been claiming to fix this error since XXXX. 
Wells Fargo Auto along with Wells Fargo bank are claiming on their website that are addressing the accounts that were wrongfully charged duplicate ins premiums in order to make things right and repay borrowers for money that was demanded unlawfully. full for duplicate unnecessary allocation payments will be distributed amongst the borrowers that were wrongfully charged duplicate CPI insurance policies. 

Wells Fargo Auto Carr teams and CPI settlement will not respond to my emails being sent to XXXX despite claiming to respond within 48 hrs.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-08-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

I sold my house in XXXX, and my mortgage was paid off. Freedom Mortgage stayed that they cut the check to close my escrow on XX/XX/2020. The check was mailed to the wrong address, and Freedom Mortgage has been dishonest about whether they would cancel the missing check and re-issue the payment. I spoke to a supervisor named XXXX today who insisted they were following federal guidelines, but could not tell me which ones. Freedom Mortgage has lied about their policies and procedures, and can not tell me when I will receive the money they owe me.
Consumer complaint received 2019-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascendium Education Group (MD)

During 2018, I was paying {$150.00} a month to XXXX ( previously XXXX XXXX ). Did not receive a student loan interest credit for that tax year. After looking at my payments and invoices, 100 % of my payments were going to collection fees! They reported me as making {$0.00} towards my interest. I'm confused as to how that is possible?
Consumer complaint received 2020-12-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (AL)

So let me make sure that I understand. Despite writing XXXX on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( and showing proof of delivery by fax ) it wasn't until I filed a CFPB complaint that they SELECTIVELY responded and denied ever having received any one of the previous 4 letters sent to them ... hmmm. My request was SPECIFIC and based on everything I've been able to research on UCC requirements for lawful repossession. So today I sent them another letter - I WANT ALL OF THE DOCUMENTES REQUESTED - especially proof that I was properly notified of the intent to repo the vehicle because I don't recall ever receiving a USPS notification or signing for such a letter. Once again today 's letter has been faxed ( proof attached ) and I've also contacted Santander since XXXX sent documents with their letterhead.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 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 2021-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (SC)

I fell behind on my mortgage due to covid-19. I am self employed and encountered a significant decrease in income at that time, XXXX. I contacted my mortgage servicer Fay and applied for assistance. On XXXX, I was told there were absolutely no retention options available to me. I was told that the investor XXXX does not participate in deferments or loan modifications. I was told that over the life of my loan, I have been offered the maximum amount of repayment plans allowed by XXXX. 

My mortgage was in good standing until a global pandemic occurred and my mortgage company has made no effort to truly help me.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (KY)

on XX/XX/XXXX I received a e-mail from National Recovery Agency about a bill In the amount of {$47.00} their ID is XXXX ( copy from the e-mail NRA ID:XXXX Statement Date:XX/XX/XXXX Total Due : {$47.00} ) I replied to their email ( copy of what I e-mailed back ) ( To Whom it May concern : My wife nor I have never ordered anything from The XXXX XXXX XXXX. What i think this is, probably is a bill for My late Father XXXX XXXX. Please provide me with a copy of the original bill so that I can verify That this is the case. I need to see when the order was placed, and where it was shipped to. If this is truly My late fathers bill I will provide you with a death certificate and other important Information.

I was appointed the administrator of his estate and I had his mail forwarded to my address. 

They never responded to my request. Then on XXXX they sent another collection notice. 

More than likely this is a real old bill of my late mothers who passed away in XX/XX/XXXX, My dad passed away in XX/XX/XXXX. The Court ordered that dads estate to be settled and the closed the file and all money was paid out to all known creditors in XX/XX/XXXX.. According to the estate attorney any bill that came in after the date of discharge were void and not collectable. 
With my Dad and I having similar names I have had other problems with this issue of his bills being put on my credit report. I also have mailed them another letter. attached is the first e-mails, the 2nd e-mail and the current letter. 
Thank you for your help.
Consumer complaint received 2021-08-20
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: TRANSWORLD SYSTEMS INC (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc. (CA)

I logged into my NelNet account and updated my new address on XX/XX/2020. I contacted a NelNet representative who stated that they update the 3 bureaus at the end of each month XXXX XX/XX/2020 ). 

I called NelNet yesterday XXXX XX/XX/2020 ) and spoke with a representative who stated that they are not responsible to report profile updates to include a change of address to the 3 bureaus.
Consumer complaint received 2017-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TX)

This company reflects this debt as inaccurate. It shows as open debt when it is not open and I have never had a contract with XXXX XXXX XXXX. The credit reporting agencies are constantly reporting this in error, which is a violation of FCRA. 

In addituon, XXXX XXXX has yet to provide proof of the required surety bond needed to collect in the state if Texas per the Texaa Finance code. I am requesting this information within 10 business days. This company is headquartered out of XXXX. The credit reporting agencies are in  violation of the Texas Finance code for allowing this debt without the proper surety bond per my state of residence.
Consumer complaint received 2017-12-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC (NC)

I started he house buying process with this company and it was an absolute stress filled nightmare. the broker did n't explain things very clearly at all and neglected information at times. say one thing one week, then say something completely different the next. the broker, and loan processor were XXXX near impossible to reach when needed. also a lot of other people I asked about the way this company was doing things all told me that they were shady and not to be trusted or sounded like they were doing some unethical practices. in the end the deal fell thru because of how bad they were dragging their feet and stringing me along. I was also supposed to get me earnest deposit money back, but the kept that and told me they had to get paid somehow. the deal also fell thru and we lost a very nice home. im reporting them to anyone i can because they are a shady company that will steal your money. the company is CityWorth mortgage.
Consumer complaint received 2023-01-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello i have been calling and sending in letters to the credit bureaus Transunion, XXXX, and XXXX. about wrongful information being reported on my credit report. some of these accounts are not mine and some of them are reporting wrong. the last time i have sent in letters is XX/XX/22 and still no response. I have tried calling but i feel im being ignored and this is causing a hardship on me and building my company.
Consumer complaint received 2021-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Before I purchased my new home I had purchased my own homeowners insurance on the new property that I purchased. This was presented to the mortgage company and accepted. On top of my monthly payments each month theres a impound account that I pay approx 3,000 additional each month. Since the inception of my loan the mortgage company keep on placing lender placed insurance on my property and deducting funds without my consent from the escrow account. The money they are deducting is XXXX times what I pay for insurance and I dont and have never needed it since I have my own. I have called and emailed time after time and continuously get the run around. Finally they acknowledged to my mortgage broker that this was happening did a partial reimbursement, however they started debiting again 3 months later. I have all the emails to them, call log, and a email for them stating this would be fixed and it never was. I have waisted countless hours on this. On top of it they have the audacity to charge me late fees.
Consumer complaint received 2017-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (NY)

XXXX from prelegal office for covering XXXX XXXX has called SEVERAL TIMES. Every time he has stated we have to call back by end of business today and in addition when he talked to my husband he told my husband that they were going to garnish his wages, and seize his vehicles. There was never a lawsuit filed. We have NOT received anything via Mail, just harassing phone calls. I called him back and he told me it was a recorded line and I asked him if he had a judgement and he said no I told him that he has not sued us and he can not threaten us like this and he preceded to talk over me and told me to visit their website.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC (GA)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. RentDebt Automated Collections , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palm Beach Credit Adjustors, Inc (FL)

Focus financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$300.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.