davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MO)

I reported an issue with Ditech Financial LLC not refunding money they owed me from overpayment of my loan with it was paid off. The original complaint number was XXXX. They owe me {$1200.00}. They responded to the issue after several weeks claiming that they had issued me a refund on XX/XX/19 with the check number being XXXX. Your company closed the original complaint based on them saying they refunded me, which they didn't. I waited for two weeks but the check never came. I contacted them on XX/XX/19. They insisted they mailed me the check on XX/XX/19 which it is obvious this was a lie. I know they have my correct address because I have received several pieces of mail from them since I paid the loan off, just not my refund. I was told by the customer service representative that I spoke to that they could not help me until XX/XX/19, which would be a month and only if I did not receive the check, which I won't, because they never mailed it out to me. There are several similar complaints to your company on Ditech for the exact same issue I am having. Customers are told they mailed them a check and they never receive it, with Ditech claiming it must have been lost in the mail. I am requesting another complaint be opened up on this matter and Ditech be investigated for fraud. This company apparently is taking people 's money and no one, including this company is helping us, the consumer to do anything about it. Ditech has filed two chapter XXXX bankruptcies in the past 11 months and it seems like number three is on the way. I would greatly appreciate your help in getting this matter resolved and this company investigated for fraud.
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (CA)

I am a natural person. 
I am a living human being. 
I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.

And they violated my rights multiple times.

I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : # 1 ) XXXX XXXXXXXX XXXX # 2 ) XXXX XXXX XXXX
Consumer complaint received 2021-08-31
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: MoneyLion Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-05-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (CA)

According to California Law my the repossession that took place by Exeter Finance was illegal. Exeter Finance violated law by breaking into a my locked garage, and that makes it a wrongful repossession. I woke up on XX/XX/XXXX on my way to work and realized my vehicle was gone. Because the garage is locked and you must have a remote to enter I immediately called my office and asked was my car towed for any reason. I was told no. I immediately called Exeter Finance to see if they towed my car and I was informed it was reposed and I was given an address where I can retrieve my belongs. I updated my address on file with Exeter ( The same address that they took the car from ) I was told I would receive something in the mail on how to move forward. I never received any call or mail. I call Exeter in XX/XX/XXXX to see if there were any updates and I was told my car was not sold. I informed Exeter that I had not received any mail and verified that they had the correct address. In the end of XX/XX/XXXXI received a update on my credit report that the balance had decreased I assumed the car was then sold, the balance decreased from {$12000.00} to {$10000.00} -- - so apparently the car I was paying {$12000.00} was sold for somewhere around {$1500.00}. Again I never received any notices or phone calls. I was never given the opportunity to cure my debt after repossession, I was never given the opportunity to buy back the vehicle nor was I given any information about the sale of the vehicle. I again called to see if my information was correct and to see what the status was and I was told that according to the system my car was not sold. In XX/XX/XXXX I received another update to my credit report stating the account was closed and charged off as bad debt. I immediately wrote a letter to Exeter asking for documentation of any correspondence and asking why I was never contacted due to the fact I got no response with the phone calls I wanted to document it this time. I sent a certified letter in XX/XX/XXXX that was received and today is XX/XX/XXXX and I have yet to receive any letter or phone calls from Exeter.

According to the state of California Exeter has violated my breach of peace, I was not given the opportunity to reinstate the loan per California law. I was not given or sent any post repossession notices. Exeter has not communicated with me about this situation yet they keep re-aging the debt on my report the last updated on my credit was XX/XX/XXXX after the letter I sent them was received. 

This situation has cause me great stress and turmoil.
Consumer complaint received 2022-09-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$460000.00}
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2019-05-07
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 (NC)

On XX/XX/2019 my Wells Fargo business checking account was debited {$370.00} via a BUSINESS TO BUSINESS ACH to XXXX as " lawn/garden ''. Long story short, Wells Fargo closed the case stating I had two days to dispute the transaction but that time had passed and there is nothing they can do for me. XXXX XXXX fraud dept told myself and a police officer that they have no transactions listed from my bank account anywhere in their database. Wells Fargo told myself and the police officer they considered the matter closed even after we both informed them of our individual calls to XXXX XXXX. The question the Wells Fargo staff refused to answer is where did the money go if XXXX XXXX has no record of the transaction? Wells Fargo fraud dept refuses to investigate this matter further, which the police detective said looks bad on them, like they are covering up fraud, which he told them over the phone to no avail. Clearly this is a fraudulent transaction and considering the facts, it appears to be a case of internally generated fraud by Wells Fargo personnel. Why won't Wells Fargo fraud agents investigate this matter and work with XXXX XXXX to determine where the funds went to? In any case, Wells Fargo customer service is not helpful, very difficult to navigate to their dept via phone and are at times outright hostile. Even the police detective complained of how he was treated over the phone after being transferred eight times to various departments only to be told there is nothing further Wells Fargo will do. This is how the bank treats and protects their customers? Looks like another Wells Fargo clever trick to scam money out of their customers ...
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Macys charged a different Credit Card without my consent. 

I use the Macys Store card when purchasing items in store, and somehow Macys charged me for an alternate XXXX XXXX Credit Card, which I did NOT use or even activate yet. They charged this separate card with out my knowledge or consent. I didn't even have the card with me. 

Because I had No knowledge of this account being charged, I didn't pay the bill on time. I was charged late fees because I had no idea these charges existed on my account. 

when trying to settle this problem, I called Macys Customer support on XX/XX/2019 and after speaking with a representative they assured me that a bill to be sent with the total amount {$28.00}. 

Upon receiving the bill on XX/XX/2019 i was charged for several late fees. 
two fees for {$67.00} plus the balance of {$28.00} with a total of {$95.00} I believe this type of business is unfair, because Not only was I charged on a Credit Card that I gave no consent to use. But I was charged for late Fees on that same account because I had no idea these charges existed. 

I have to this report problem, because it is unjust. 

Thank you
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NJ)

on XX/XX/2021 i purchased 3 bags from a seller named XXXX who was on XXXX. i had purchased from her once before through XXXX and never had an issue. ( which now looking back i believe the first transaction went smoothly so i would trust her ) the total of the purchase made on XX/XX/XXXX was {$450.00}. it was agreed that i would send her a deposit of {$200.00} first ( which i did ) and she would then go to XXXX, pay for the shipping label and once she sent me proof of the label and the tracking number i would send her the remaining {$250.00} ( which i did ) i continued to check the tracking number for a week after our transaction and all it showed me was a label was created i reached out to XXXX a few days after it was supposed to ship and she told me to just wait for XXXX to update it. 
after 8 days with no update and no help from XXXX XXXX decided to call the XXXX store that was on the receipt she sent me. i told the lady what had happened and she said yes i remember her coming in here, the label she paid for is still sitting on my desk, she said she would be back and left with the bags i told this to XXXX to which she now admitted her friend was supposed to ship them out for her. she apparently didnt drop them off herself ( who even knows if thats true ) so i told her to either refund me or just ship me my bags. 
after a bit of back and forth she said she would refund half in 5 days and the rest a week after bc money was tight for her. 
well i never saw that money. the last time i reached out was XX/XX/XXXX and she has stopped answering me and even opening my messages. 
i contacted my bank and told them all of this. that i never received the goods i paid for. they denied it 3 times and i appealed each one with no luck. they barley asked for proof. 
the second time I appealed it they only asked for a tracking number which still clearly shows that a label was created and no further tracking or delivery ever happened. 
i have the conversations between me and XXXX. along with her agreeing to send me a refund and that the bags didnt get sent out. but i was never able to give that proof to my bank. 
i feel like they are not doing anything to help me and keep denying my case. they keep saying its a valid transaction which i believe is false. its not valid because i never received my items. 

below are the 2 separate disputes ( since it was 2 diff transactions - {$200.00} and {$250.00} ) also the tracking number, receipt from XXXX and the conversation
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (GA)

My loan was sold/bought by MrCooper with my first payment to them being XX/XX/2021. I have made my payment since XXXX, in full and on time each month. I keep getting all kinds of pressure notices of rates I can use to redo my mortgage because I have equity. I have never responded except to ask them to stop sending me an email each day of the week. This took about 4 tries before they then started mailing me letters instead. 
They have recognized me in that instance, but has never updated the balance I actually owe with any of the credit reporting agencies, so that my credit can be impacted in a positive manner, even though I am paying. I monitor my credit.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

i received a text message saying WeIIs Fargo AIerts : A hold has been pIaced on your account due to recent payments, visit XXXX to remove the hold. when i do not own a Wells Fargo account. i would like to know alittle more information on what i can do, thank you.
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (IL)

I have disputed a bankruptcy reporting on my credit reports. The credit bureaus are not reporting it correctly. I have been challenging them since XXXX. I have sent several letters ( XX/XX/2021, XX/XX/2021 and XX/XX/2021 ) and it still is not reporting correctly.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AL)

This was a settlement offer with Citibank the home Depot I paid the {$340.00} it was XXXX my social security number is XXXX their phone number is XXXX i paid this in full I have contacted them because it's still showing on my credit report is due this needs to be removed and showed that the credit card from home Depot with Citibank was completely paid off and it's not showing that on my credit report this was paid a month ago I have talked to them and they said that it takes time to take it off but this is getting ridiculous they're saying they're saying that they sent me a letter proven that I paid it off and I'm not received any letter and this letter was supposed to have been sent XX/XX/2021 I hope you guys can help me my phone number is my phone number is XXXX I can't find their account number but you can call them up and give him my social security number and they will find it okay I have a partial last for the account number is XXXX with Citibank the home Depot this was paid off to {$340.00} the settlement amount was paid off on XXXX the XXXX of 2021 can you please help me to get this off of my credit or show is completely paid because it's ruining my credit history thank you very much if any problems please give me a call XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (TN)

On XX/XX/2021, sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (MO)

We purchased a Heat Press from online from a company out in California. The heat press that was sent never worked. We have countless emails between ourselves and the company and a full refund was supposed to be issued since they never sent out a replacement machine. This was removed from my credit once before and has now been added back.
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (MN)

in accordance with Fair Credit Reporting act XXXX, XXXX AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 instruction.
Consumer complaint received 2021-08-31
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. (CA)

I recently filed a report with XXXX, XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AES/PHEAA (NJ)

XXXX college is trying to charge me for tuition that i have paid off and are still reporting on my XXXX credit report. Also XXXX XXXX XXXX has been false reporting the same account 8 times on my file report i have disputed this with all my credit bureaus and they have been removed but XXXX is hurting my credit score with false reporting I have called to request all orginal contracts and they have not given me anything i also filed a complaint against them .. I need some one to help me because i work very hard to pay my bills on time and have good standing accounts for XXXX  to allow XXXX college and XXXX XXXX XXXX to do as they wish with my credit report
Consumer complaint received 2019-05-07
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL INC (PA)

On XX/XX/XXXX, I contacted the Department of Education for questions regarding the balance of a wage garnishment I was assigned. I was told the debt is no longer handled by the DOE, and was given the phone number and referred to a company by the name of " Coast Professional, INC '' as they are now responsible for the collection of the debt. I contacted " Coast Professional, INC '' to check the balance with them and was told my remaining debt is a {$12000.00}. Here 's where the issue is, I asked them for the original balance, which is {$12000.00}. As of XX/XX/XXXX, my YTD payments will be {$1600.00}. The garnishment began on XX/XX/XXXX and in that year, {$2400.00} was paid in garnishments, giving a total of {$4000.00}. I spoke to a representative and asked if someone could give me any type of explanation as to where the money taken from me has gone or is going, and at the time he stated that the information was not in front of him, that it could be possibly due to interest and fees, and offered to transfer me to someone who could possibly give me more information. I was placed on hold, hung up on, and my number was blocked from returning a call. I tried several times to redial the number to no avail, then dialed a friend of mine for them to contact them in a three way call and the call went through. The representative that answered looked through the information on my account and saw that there is a discrepancy as well. This representative stated he would get a manager to talk to me about what was going on and was hung up on once again. I believe my funds are being misappropriated.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person