davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX, my mother obtained a Pick-a-Payment loan with XXXX XXXX/Wachovia. Shortly thereafter, I believe it was XX/XX/XXXX, a class action suit was brought against XXXX XXXX/Wachovia as such a loan was illegal. As part of the required settlement agreement, mortgage lenders were supposed to work with the homeowners to modify their mortgage loans. My mother has since passed away and left the property to me as listed in her Living Will. Wells Fargo has since taken over the XXXX XXXX/Wachovia mortgage loans. They refuse to modify my loan and or change it into my name.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Equifax continue to report and inaccurate address on my credit report. I didnt and have never reside at XXXX XXXX XXXX XXXX XXXX, XXXX Massachusetts XXXX.
Consumer complaint received 2020-10-16
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. (IN)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-09-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MacDowell & Associates, Ltd. (AL)

I cosigned with a ex- girlfriend back in 1999 for a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Ala . Within 2-3 months, I had to take the car back from her and return it to dealership. I didn't hear anything about me owing anything after that, Until My Ex had passed away, Then I started to get a lot of threatening phone calls and letters, At home and work! The law firm Macdowell & Associates in XXXX, XXXX told me that because they could not collect anything from my ex-girlfriend, That I had to pay something like XXXX to XXXX XXXX dollars, Plus around XXXX in Interest!!! So I tried to pay around 200 - 250 a month! 

And I have been paying at least 100 a month since they said they were going to sue me a few years ago! I have requested numerous times for them to send me a correct balance, And a running log of what I have paid them, And what is actually owed on my account!!!! 

They have never responded to my request! 

They have filed a garnishment of my wages in the XXXX County Courts ( XXXX, Alabama ) I was never served court papers, And I found out only by getting a simple letter from the court in my P.O. Box,  After the courts had the garnishment approved. 

So, I never had a chance to to court And present my case in front of Judge or Jury! 

I believe this was simply some old debt, That they bought from another company, And threatened me to pay, Without me even speaking to the original creditors, ( XXXX XXXX, dba XXXX XXXX XXXX ) I truly think this is " Unjust '', And I have asked them a number of times, Just to take me court, And let 's see what a Judge says about this old debt! That I believe was charged off by XXXX XXXX, dba XXXX XXXX XXXX years ago!!! 

I have other means to resolve this issue, without your help!!! 

Collection Lawyer Contact : Macdowell & Associates XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Alabama. XXXX ( XXXX ) XXXX I'm currently not working, And homeless, I staying between the XXXX XXXX in XXXX, Alabama, And sleeping in my car, And the XXXX XXXX 

This collection lawyer, Has been threatening me about this car that I returned to the dealership over 20 years ago, For at least 18 years, And I thought by trying to pay this old debt was the right to do, This is the only reason I made any additional agreements to paying anything to them!!! I was mislead about this car loan debt, From the very beginning. 

The sticker price on this car was only XXXX to XXXX dollars, Brand New car,  Back in 1999! 

I have never got a statement, or running balance from Macdowell & Associaties, After many requests for one!!!!! 

I hope you and your company can help me investigate this issue, That is definitely not fair to me, And probably many more consumers in this country! 

Thank You, & God Bless!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Alabama XXXX ( This is where I receive my mail, Because of being homeless ) Email - XXXX Phone # ( XXXX ) XXXX Thank You!
Consumer complaint received 2017-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Company is reporting on a ll  XXXX   credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail
Consumer complaint received 2021-01-17
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: Experian Information Solutions Inc. (AL)

Experian keeps playing delay tactics in regards to an account that isn't mine. I have told them this XXXX XXXX XXXX account is the result of identity theft. I have even submitted a police report expressing the same and they continue to ignore my requests to comply with Section 609 ( e ) of the FCRA. I am requesting that they block this account because it is identity theft. Attached is proof of ID, police report, and FTC affidavit. THIS IS NOT A REQUEST TO DISPUTE. THIS IS A REQUEST TO BLOCK THIS INFORMATION DUE TO IDENTITY THEFT.
Consumer complaint received 2020-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Harley Davidson Financial Services Inc (TN)

On or about XX/XX/XXXX, the loan company sent a repossession agent to my house to obtain a motorcycle. Upon requesting motorcycle, I noted there was no way to transport the vehicle. I informed said personnel to obtain a court order for the repossession as they had no paperwork or means to transport the vehicle. I then left the state for work and was told the agents again stopped by in XX/XX/XXXX, twice, with no paperwork or way to transport the motorcycle. My online payment account was closed so I could not make payments in XXXX or sooner of XXXX. I never received written communications from the company regarding payments and struggled to find a way to pay. I was able in XX/XX/XXXX to find my original loan documents that were in storage and proceeded to send the loan company three XXXX payments and a XXXX payment from XXXX to XXXX which was deducted from my checking account. My account was not re-activated, and the loan price remained the same. I called multiple times after I lost my job only to be harassed and put down for not having employment. I have requested multiple times through emails to the company that my account be re-activated. This did not happen in XXXX, XXXX, XXXX, XXXX or XXXX. I have since sent a certified letter to the company requesting either the account be re-activated, or the title be released to me.
Consumer complaint received 2019-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HUNTINGTON NATIONAL BANK, THE (WI)

the XXXX XXXX XXXX was purchased XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXXThey first arranged the with XXXX XXXX.When I got the 1st late notice from XXXX  I phoned them and told the person I talked to about how I would need a different due date.This was because I only income is from Social Security XXXX.They extended o reasonable grace period so I would avoid any late fees in the the future.This the exact same procedure I took with hunting when I received my 1st late notice from them.At the time I first called they their customer assistant in formed me huntington did not offer grace periods and I would have to make the payment an pay the late fees or I woud never see my title.I have a half a dozen times when Called huntington a discussed the same Social Security issue with them.Same answer huntnigton has no grace time for passed due payments.I have made monthly payment on the principle ever month since XXXX.never missed a payment.I received on XX/XX/XXXX a loan transaction history. With a start date of payment of XX/XX/XXXX. 
The conversation I had with a rep from huntington, I asked why they never tried to work with me that rep asked why didn't apply for a distress wavier.Well think that ' because it was never offered. 
I have the copies of the Loan history an checks.I don't have ready access to a fax.Wiil happily mail. e-mail or tex and let me know. 
cell no ( XXXX ) XXXX XXXX would get fastest reply Thank you XXXX XXXX.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I charged XXXX on a purchase, it was done in 3 transactions. After making the transaction I paid the balance on my credit card. the merchant refunded my purchase as we did not go through with the purchase, this called a negative balance on my credit card. I have had to call Capital one more than once to try and get this money refunded to me. I called on the XXXX and had to call again on the XXXX to get them to refund my money. The " said '' they would refund my money but it would take almost 2 weeks to receive it back. They refuse to get it done any sooner as this was their mistake it was not done on the first phone call. 

this is the 2nd time in a year I have had issues with capital one getting credits on my account. 

I want my XXXX returned to me asap
Consumer complaint received 2016-07-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC (PA)

I started monitoring my credit and notice that this company American Credit Acceptane ( which I did not not regonize, because my auto loan was with XXXX XXXX, which I now know is affiliated with American Credit Acceptance ) was reporting on my credit monthing stating that I owed an outrageous amount of money for a repossession that happened on XXXX/XXXX/XXXX which was also charged off, but before they charged the debt off for the XXXX Ford Excursion it was sold at aution to get whatever they could get for the vehicle. I received a letter from the company telling me what they sold the truck for. Now I am filing a complaint because today XXXX/XXXX/XXXX I called American Credit Acceptance and I first spoke to a rep named XXXX and explained that I sent a certified letter to theme and it was signed for XXXX/XXXX/XXXX by XXXX XXXX asking for documentation under FDCPA asked for records so that I could compare to my records because this company was reporting an outrageous debt amount, and that under FDCPA that the company was in violation. She replied we have no records, I said I would be filing complaints with the Consumer Financial Protection Bureau for non compliance-XXXX- The Attorney General, I said I wanted this account deleted due to non compliance of section 809 of FDCPA. She placed me on hold I was told that the manager a guy by the name of XXXX would call me by XXXX. I received at call at XXXX from XXXX who may I add was very nice but in a rush telling me that he was unsure of what is going on, so I explained everything that is mentioned above, and that I wanted account statements ( he said he could not get because XXXX in the dispute department was not there at the time but he will try to get the statements. I 'm baffled so how are you reporting inaccurate information ) next he said I can get you the original signed contract along wit Payment history out in the mail to me tomorrow when he comes into work. I said how is that telling me the balance I owe? Where is the letter stating how much the truck was sold at auction for? I wanted to compare records.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MI)

This agency keeps relisting the successfully disputed information on my credit report in violation of FCRA 611. The consumer reporting agencies are not doing anything to assist in the application of FCRA 611. I've receive no written notice of the debt, its certification or intent to reinsert the information on my credit.
Consumer complaint received 2019-02-21
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: Bread Financial Holdings, Inc. (RI)

I made two purchases through XXXX for home goods and furnishings. I was charged for these in XX/XX/2018 ( although the good were not delivered until sometime after that. ). 
When the good were delivered they were defective. Because they were defective and the company refused to taken them back ( claiming the return period had ended ) and had refused to give a credit, I notified the issuer of the Credit Card properly to make a claim under the special rule for credit card purchases. This claim ( a copy of which is attached ) was sent to the address the company requested by mail. The letter dated XX/XX/2018 read as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Rhode Island XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX RE : XXXX Account Number XXXX I am writing to notify you of two claims under the special rule for credit card purchases. The reason for these claims is that the merchandise is defectiveit does not meet the implied warranties of fitness and suitability. Further there are material defects in the merchandise supplied by XXXX to fulfill these orders. ( Pictures are available should you require them. ) Therefore I seek an immediate and permanent credit of : {$220.00} for order number XXXX charged on XX/XX/2018 {$1500.00} for order number XXXX charged on XX/XX/2018 I have tried to work with XXXX to resolve these problems without success. Therefore, I now must rely on my rights under the special rule for credit card purchases and ask that these charges of {$220.00} and {$1500.00} be refunded to my account immediately. 
Kind regards, /s/ XXXX XXXX Subsequently pictures of the defective and damaged items were provided during the " investigation period. '' The credit card company violated federal law by recharging me for these defective good repeatedly and claiming that the " return period had ended '' and therefore there was no remedy available. I have shared all of this information with the House of Representatives Government  Oversight Committee which is apparently investigating why CFPB is no longer doing its duty under the law. 

The defective and damaged merchandise still remains available for the merchant to come and get or inspect.
Consumer complaint received 2021-01-17
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. (FL)

Hello, I am XXXX XXXX, XXXX years old, who doesn't know XXXX. I submitted a complaint on XX/XX/2020, complaint number XXXX. Until today I have not gotten a response. And on XX/XX/2020, I wrote another complaint, with the complaint number XXXX. 
And the third complaint, I submitted on XX/XX/2020, with the complaint number XXXX. 
On the first complaint you promised that I will get a response until the XX/XX/XXXX. Until today I have not gotten any response from you. 
On your response to my latest complaint said I can go into the website, or call you. 
If I call you, I do not know XXXX  ( and you know this, and you are not bringing a translator on the line ). 
On your website, it says that the complaint is closed and unable to be opened. Why are you toying with the citizens so much? 
Why are you always telling stories and legends in your responses? 
Are you embarrassed that your answers will be published? 
In your last response, again you wrote that on the XXXX of XXXX a letter was sent out to me. 
And again, why all of this toying? I was supposed to get your response a long time ago. 
I request immediately your response to my email, XXXX, even though you already have my email. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-21
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Those dates are : 1. XX/XX/2018
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: I.Q. DATA INTERNATIONAL, INC. (LA)

I have received rude and threatening calls from a woman named XXXX who works for IQ Data ( XXXX ) She has called and harassed me for about 2 months about a debt that I do not owe. Calling my place of employment, speaking with employer and also calling my work phone numerous times. I do need this harassment.
Consumer complaint received 2017-10-10
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: EQUIFAX, INC. (NC)

On XXXX XXXX, my husband and I sent a letter to Equifax requesting that they investigate errors on our credit report. My husband received the results of his investigations in XXXX. Several more weeks have gone by, but I have yet to receive my investigation results from Equifax. I have called and written follow-up letters, but I still have n't received my updates.
Consumer complaint received 2015-03-21
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, California XXXX Phone Text : ( XXXX ) XXXX Email : XXXXXXXXXXXX XXXX : XXXX Friday, XXXX XXXX, 2015 Dear XXXX : I 'm requesting this letter. Importance, Next XXXX XXXX, 2015 at about XXXX, I 'm going to JPMorgan Chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and I need to get started the information and fill out the application for a car loan for 2015 XXXX XXXX, Final Price : {$27000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, sales phone : ( XXXX ) XXXX. 

Next XXXX XXXX, 2015 at about XXXX, I 'm requesting a car loan payment calculator for the monthly loan payment : {$420.00}, loan term : 72 months, APR : about 3.06 %, loan amount : {$27000.00}, total paid : {$30000.00}, and total interest : {$2600.00}. 

PLEASE check my account is history credit card or? and will sent to me email. Thank you much. 

Sincerely, XXXX XXXX XXXX Sent from my XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bull City Financial Solutions, Inc (GA)

I have been trying to purchase a home and in reviewing my credit report, I see a dept from Bull city Financial and XXXX XXXX. I have contacted the company via a debt validation letter for proof and more information on the debt itself. I received a letter from both companies but each letter had a different address that I have NEVER lived at. This debt is hindering me from being able to gain stability and purchase a home and the information is not even accurate.
Consumer complaint received 2018-11-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: LOBEL FINANCIAL CORPORATION (CA)

I have a ldw ( loss damage waiver coverage and Gap insurance with Lobel Financial since XX/XX/XXXX i first financed my vehicle I've had this vehicle 1yr 10 months i am so close to paying it off. Car accident of My car was hit and ran i was not at fault on XX/XX/XXXX i submitted my police report to the company. After calling then endlessly and being hung up on multiple times vu the company 's Claims customer service rep, they eventually sen out an appraiser Two days later XX/XX/XXXX, she tokd me they'll have my repot the same day. I erged them to please expedite the process due to this situation holding me back from obtaining another loan for a vehicle because i do need to get to work with stable transportation. However i gabe them a call today XX/XX/XXXX amd was told the appraisal report was not sent to them so i hung up with the representative amd called the appraisal representative myself amd she informed me that my appraisal report was indeed sent on the same day XX/XX/XXXX, so the compnay definitely have it. Why are they making me sufder prolonging my claim? If they don't want to handlr thesw ttpes of things maybe theu shouldn't be in this type of business or providing tne tyoe od services they are offering, poor customer service and they give me the run around and hang up in my face, denying me to speak with a manger, they treat me like i am doing something wrong, like they are punishing me through dragging my claim out and getting me back on the road. I aksed then will tbey ne repairing my vehicle or would they be totaling it out so that I'll know what u meed to do for now however they are not giving me any answers when it is my right to know. This is sad because there's no other way to get in contact with anyone else for this company. I am very exhausted and emotionally botgeres dealing with this type of treatment from this company is this hie they treat their customers something big has to be done about this. I need more resources for getting this business recognized for these foul and negligent acts against consumers
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had requested the company to do an investigation on an account wrongfully reported on my file and requested a copy of the investigation, they only sent me a letter stating the account was validated but provided no proof of how it was validated. 
I sent another request to provide proof of the investigation and to remove the account from my file, again they sent me a letter stating the account was validated and updated my report stating I refused their validation.