davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

On XXXX XXXX, 2016, I filed bankruptcy and the courts notified both Caliber Home Loans and XXXX but they are still trying to bully, strong arm and harass me publically by keeping the house on the auction market for a XXXX XXXX, 2016 sale at XXXX.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (MS)

I wrote to Wells Fargo a few months ago describing my family 's financial hardship. I asked if there was a way for them to reduce the amount I owe ( I 've had the card for 14 years ) where I could afford to make the payments. No reply no anything. I have tried working with them, but my pleas has gone unanswered. We have a son who is XXXX and to keep him where he needs to be mentally, we can not afford the payments and the high interest rate that continues to climb. I 've asked for help, but apparently my plea has fallen on deaf ears. I do n't want the entire balance erased as I could do that through Bankruptcy. But I do not wish to file Bankruptcy, I want to keep my card, but lower the amount owed and the interest to a reasonable amount, which will allow me to pay my bills and take care of my son.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (HI)

I first contacted Experian on XXXX XXXX, XXXX about my account showing a bankruptcy with the verifying contact being the U.S. Bankruptcy court of XXXX. I then wrote to the Courts to verify this information and they sent me a letter saying that " WE DO NOT REPORT TO THE CREDIT BUREAUS ABOUT ANY INFORMATION FOR CONSUMERS ''. they responded by saying they now confirmed the information with a 3rd party company names XXXX. 

I wrote to that company on XXXX and received a letter from them saying it was reported incorrectly and will be removing it from their records. 

on XXXX I then wrote back to the Experian people with information from the courts and not reporting that information to them as well as the NEW Information i Received from XXXX about taking the bankruptcy off of their records. 

For good measure, I then wrote to Experian once more with all INFORMATION FROM THE BANKRUPTCY COURTS AS WELL AS THE XXXX COMPANY ON XXXX to which I am holding as a response once again from EXPERIAN saying they VERIFIED THE INFORMATION TO BE CORRECT FROM XXXX I ASK YOU HOW CAN THAT BE AS THERE IS NO SUCH INFORMATION FROM XXXX XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (TX)

This is the third complaint with FD Auto Finance. Last week XX/XX/year>, I was Informed by XXXX XXXX that the funds TD Auto Finance reported as delinquent were found and deposited on the original due dates. 

Yesterday XXXX XX/XX/year>, I noticed an amount of {$400.00} was deposited back to our account. I immediately contacted XXXX XXXX and informed her that there must be some mistake because funds from TD Auto was deposited. She stated that she would check. 

Today, XXXX XX/XX/year>, XXXX XXXX informed me that my XXXXXXXX XXXX  were cancelled because of TD Auto Finance. I can't use my bill pay service because of actions taken or not taken by TD Auto Finance. 

I have spoken to numerous people including XXXX XXXX to no avail my problems only continue to worsen with each contact. 

I want TD Auto to repair all the damage done to our excellent credit.
Consumer complaint received 2021-02-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc. (NC)

I have paid {$73000.00} to XXXX through ACSI and this student loan payment ( and related wage garnishment ) should be complete. However, XXXX and ACSI has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). ACSI has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has not only doubled related the already paid {$73000.00}, but on XX/XX/XXXX ACSI sent a second order to garnish wages for an unknown new amount of {$16000.00}. ACSI has lost paperwork, misapplied payments, added surprise late fees and also ignored the delayed processing of payments from the original lender XXXX. The original Doc ID - XXXX payments were completed in XX/XX/XXXX with a final payment of {$920.00}. And then a year later, an unknown additional amount was filed with my employer with no supporting evidence. I believe ACSI is attempting fraud related to the new Doc ID - XXXX as I have already paid off my student loan. This is a new complaint that correlates to an older complaint XXXX.
Consumer complaint received 2021-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I recently tried to purchase concert tickets from someone selling them online through XXXX. The XXXX hanlde of the seller is @ XXXX. I sent them {$450.00} through XXXX, an online banking transfer company that is directly connected to my bank, Chase. The seller is using the email XXXX through XXXX to accept the scam payment. 

The seller claimed to have transferred the tickets through XXXX to my email associated with my XXXX account but I never received them. The XXXX order confirmation number that the seller gave me is # XXXX. The original email that the seller used to purchase is XXXX ( or XXXX or XXXX ) and the original ticket order number is # XXXX. The last 4 of the Visa credit card used to purchase is XXXX. 

I contacted XXXX, Chase, and XXXX. All companies said there was nothing they can do to help me get my money back. Chase and XXXX stated that they had no way of canceling the payment even though it was still pending when I attempted to cancel. They both told me that there is no fraud or scam protection that they can provide on these types of payments.
Consumer complaint received 2017-10-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Risecredit, LLC (MO)

Receive a loan from Rise Credit online. Ran into further financial troubles and the bank account the payments were drafted from was closed by the bank. I have opened another account at a different bank and Rise has somehow found that information and continued to make unauthorized automatic withdrawals from this new back account causing overdrafts and new financial issues. I HAVE NOT provided Rise with this bank account information nor authorized them to perform automatic funds transfers from the account.
Consumer complaint received 2016-09-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (UT)

My lender has not reported accurate information to the credit bureaus since XXXX/XXXX/2016, they are still showing i have a balance outstanding even though i have paid in full since XXXX/XXXX/2016. This caused me to be denied credit and denied a mortgage since my potential lender was showing a balance owing making my debt to income ratio wrong.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (LA)

I spoke to a agent that said the auction can not be pushed back on their end and that I have to contact the foreclosure attorney, then I spoke with the attorney and they said they cant do anything unless Mr Cooper tells them to, so now I've wasted time going back and forth trying to figure out how I can resolve this. I now have someone that can help me get everything done correctly and they called in and said that when they called that we have to fill out documents and that might help with postponing the auction. Why didn't the first agent tell us that and made me contact the foreclosure attorney? This could've been resolved much sooner.
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion XXXX added a debt from XXXX XXXX XXXX that was previously removed for being inaccurate/ fraudulent. This acct was from XXXX and a judgement was made in XXXX deeming it false. It was then re added between XXXX XXXX also of this year in an illegal attempt to collect/ re age this debt. I 'd like this removed asap. Being the only negative acct on my transunion profile it has dropped my score significantly.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (AL)

Ive never entered in any agreement with Spring Oaks Capital. Ive requested them to validate this information thats listed inaccurately on my credit report both they havent yet to respond. Ive asked them to send me a copy or any original documents that states I have a contract with them but they have failed to do so.
Consumer complaint received 2021-10-04
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: DISCOVER BANK (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
Consumer complaint received 2017-12-26
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. (AL)

I 've disputed XXXX XXXX XXXX on my credit report even sent in the police report and they still wo n't remove because I showed them it was fraudulent charges on the account and the account information was not correct
Consumer complaint received 2017-12-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America through their Trustee Attorney XXXX and XXXX, XXXX XXXX and their subsidiary XXXX XXXX XXXX XXXX ( XXXX ) misrepresented material facts related to the excess proceeds during the hearing of XXXX XXXX, XXXX. Specifically, XXXX and XXXX, XXXX. misrepresented the amount of the excess proceeds by omitting the interest paid on the principal balance and only submitting the principal balance to the California Superior Court, case number XXXX. 

Title has not been transferred on the subject property. I am currently homeless and would like to gain possession of my real property and all other previously requested desired resolutions.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Nelnet, Inc. (MO)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am only able to call to dispute any information on my credit report. XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; I requesting an immediate Fraud Alert and for a Freeze of my credit report as unauthorized inquiries continue to happen. Under the FCRA and the Fair and Accurate Transactions Act, there are provisions related to record accuracy and identity theft which I am requesting the stated inquiries below be removed immediately as they were not authorized by me and you have been notified I am a victim of Identity Theft. The following unauthorized inquiries remain on my credit report and they are damaging my credit worthiness because it lowers my credit score resulting in higher interest rates and denial of credit services. 

Inquiry from XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX  XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX XX/XX/XXXX I also requested the incorrect statement be removed as the information in the statement is not correct.
Consumer complaint received 2021-02-04
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 (PA)

I sale XXXX XXXX, XXXX, XXXX, and etc. I use XXXX to connect with a plethora of customers. The money goes to Paypal and they hold the cash which I understand because of the customer. I have been using XXXX for sometime now and Paypal. However, Paypal has put a 180 Day hold on my funds. They first limited my account and asked for proof of business. I gave them the sales information from XXXX and even gave receipts of me sending the items to each customer with the USPS. However, they banned my account still. I contacted them numerous amounts of times, but to no avail. I finally got in touch with someone through Paypal on XXXX and they said there was nothing they could do to fix the my issue. 
XXXX XXXX XXXX " Wave Runner '' on Saturday, XX/XX/2021 for XXXX, The item was delivered to the customer on XX/XX/2021 XXXX XXXX XXXX Off-White " Sail '' on Monday, XX/XX/2021 for XXXX, The item was delivered XX/XX/2021 XXXX XXXX XXXX " XXXX XXXX Cactus XXXX '' on Wednesday XX/XX/2021 for XXXX, The item was delivered XX/XX/2021 XXXX XXXX " Alphaedge '' on Saturday, XX/XX/2021 for XXXX I still had these shoes up on auction and someone bought them, but because my account was banned the money went straight to Paypal. I contacted XXXX about my situation and they told me to refund the buyer in which I did, but I could not do that with the other buyers because they already received there items. My linked email for Paypal is XXXX XXXX
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (AZ)

Green Tree Servicing , LLC. XX/XX/XXXX-Present Green Tree Servicing deceptive business practices against us in connection with our loan related to but not limited to deceptive servicing practices, deceptive and harassing collecting practices, deceptive and unfair credit reporting. deceptive acts and practices regarding and related to our short sale including an XXXX hour demand upon us and forcing us to pay an additional large sum of money in the approx. amount of ( {$9700.00} ) before Green Tree would release their lien, jeopardizing one short sale and in violation of negations with us and our lawyer for the short sale of our home ; delay of the short sale ; Green Tree referral of our account to loss mitigation in direct violation of our agreement and false and misleading negotiations with consumer ; failure to report our payments since XX/XX/XXXX to any credit agency ; intentional and malicious interference with our correcting inaccurate credit reporting with XXXX, failure and refusal to provide any us with any statements, payment history after numerous requests ; failure to abide by written short sale agreement and reported as loss mitigation ; false and misleading debt collection practices at our employment and home ; refusal and failure to recognize our joint written agreement related to short sale ; early morning and late evening harassing phone calls. The following documents are key documents regarding the actions described above but are not limited to the following and incorporated herein by reference. Affected consumers attempted to upload such documents and did experience problems with same:1. XX/XX/XXXX Payoff Agreement between Green Tree and affected consumers. 
2. XX/XX/XXXX letter from XXXX XXXX, XXXX. to XXXX XXXX, Green Tree. 
3. XX/XX/XXXX HUD-1 Settlement Statement - {$9700.00}. 
4. XX/XX/XXXX letter from Green Tree to affected consumers - affected consumers account turned over to Recovery Department - Loss Mitigation. 
5. XX/XX/XXXX recorded Partial Satisfaction of Deed of Trust. 
6. XX/XX/XXXX letter from XXXX XXXX, XXXX. to Green Tree. 
7. XX/XX/XXXX letter from XXXX XXXX, XXXX. for Credit Reporting agency dispute of reporting by Green Tree. 
8. XX/XX/XXXX letter from XXXX XXXX XXXX to XXXX dispute of reporting by Green Tree. 
9. XX/XX/XXXX letter from XXXX to XXXX XXXX deleting Green Tree reporting to agency. 
10. XX/XX/XXXX letter from Green Tree regarding affected consumers attempts to resolve inaccurate reporting.
Consumer complaint received 2018-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MS)

Beginning XX/XX/XXXX I began to request that XXXX XXXX   provide me the original contract of the student loan agreement, because the amount that is recorded as the balance due on this account is inaccurate and not mine. Therefore, I requested to verify the debt because according to my records, my total amount owed is {$3500.00} that was transferred from other lenders to consolidate around XXXX of XXXX. I have attached a copy of my credit report posting this accurate balance. 

I also requested the original contracted that I physically signed, however XXXX sent an electronic signature with a name that is spelled similar to my name, but is not my name ( SSN Card Attached ) and did not provide competent evidence bearing my signature ( see social security card attached ). This information is unverifiable and inaccurate. The balance incorrect, and is stating an amount that is higher than I owe. I also, contested late payments that were posting on the account due to the fact that it was placed in forbearance until this investigation was to be resolved. The itemized printout that they sent me was wrong, and as a result of other inaccurate dealings with my credit, I had to file identity theft.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

i am trying to finish a payment on a fireplace and avoid interest. synchrony keeps allocating my payments to the wrong account and this is jeopardizing my entire intent which is make timely payments and avoid huge interest balloon. thru your office and my LAST COMPLAINT ( see your file please ) i was assigned a XXXX XXXX office of the president to help but he is not helping and failing to personally allocate my payments properly despite his promise personally and on my voicemails to do so and allocate my large payments to the proper account. THIS IS A MESS and i was assured it wouldn't be a mess by XXXX XXXX office of the president. 
last week ( today is XX/XX/year> ) XXXX XXXX told me he would personally allocate my payments in the correct account yet he has now GHOSTED ME since XX/XX/year> and i counted on his personal word to do so and have not been able to reach him for 6 days to determine if he did so - so now I appear delinquent. i spent 2 hours on the phone trying to reach him and the office of the president however customer service kept escalating the call with no luck getting to the office of the president. this is fraud.
Consumer complaint received 2021-02-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Due to financial hardships, I decided to turn in a car I could no longer afford. The car was returned to the lending company and an agreement made to pay monthly payments in the amount of {$50.00}. A few months into the arrangement, I was asked to increase my payments. I refused because I did not want to agree to a payment I could not afford. Therefore I continued making payments until XX/XX/2019. In XXXX of XXXX the company stop accepting my payments. My online account was disabled and I was told by a collection representative that payments were no longer being accepted and they were pursuing another means of collecting the payment. I tried for several weeks to speak with a supervisor. I was talked to in a very unprofessional manner from several representatives to include the supervisor. I asked for statements and records of my account and was never sent that information. In XXXX I received an email from my HR department notifying me of a garnishment for this account. Days later I received a letter from the company about the garnishment. I attempted to appeal the decision and make several settlement offers but each offer was denied and countered with an amount not much less than the balance this company claim I owed. I've since attempted to offer a settlement but again was countered with an amount not much less than one of the balances this company has reported I owed. The amount the company says I owe is always higher than the amount reported to the credit bureau.
Consumer complaint received 2017-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

This is continously happening as we further conduct research in regards, to our properties. Our home located at XXXX XXXX XXXX, XXXX Georgia XXXX was purchased in XX/XX/XXXX. The orginial lender was XXXX XXXX which funded the original purchase amount located in the attached documents. The mortgage was later sold to XXXX. We understood the home had an ARM, however the payments were increasing astronmomically. I questioned the mortgage company in regard to this situation, but did not receive a sensible response. Approximately, 3 weeks ago a Realist Report was pulled only to find someone refinanced our property. We have NEVER refinanced any of our properties. Please investigate asap. We are finding others were taking advantage of our good credit ratings and committing mortgage fraud. The company which supposely refinanced our who by SOMEONE, is unknown to us. The house was refinanced in XX/XX/XXXX??? How can this be happening. This is crazy and if we had not researched we would have never caught it. Documents are uploaded. 
The load was sold to Carrington from XXXX. Carrington is in currently holding a fraudlent loan and we WILL not be responsible for it. Also, a REINSTATEMENT for a loan we never took out in XX/XX/XXXX?