davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

On the morning of XX/XX/XXXX a repo company assigned by wells fargo auto illegally came into my yard, gate was locked and they broke in and illegally took my vehicle and failed to make contact with me. Repo breach of peace
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

i had XXXX reward credit card from chase. a month ago chase offer me a upgradede link to upgrade to new XXXX plus credit card.before i upgrade my XXXX card i read the term said chase going to credit me XXXX dollar to my account but today i call chase told they only credit XXXX from XXXX fee from old card that i didnt use and they going to charge me XXXX soon .so i am paying XXXX and XXXX XXXX for my card old card fee is XXXX new card fee is XXXX even the difference is XXXX dollars i feel chase is actully charge 2 time the fee. i feel chase doing something totally different from what i read before upgrade.i feel so disappointed for that i hope can check the link i used for upgrade
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC (MI)

I received an alert from several credit monitoring services that a new collection account was placed on my consumer credit reports from Ability Recovery Services , LLC. I requested validation of this debt from Ability Recovery Services , LLC. I did not give Ability Recovery Services LLC, consent or authorization to access my credit reports from any credit reporting agency. According to 1692g. sec 809 ( a ) of the ( FDCPA ) Fair Debt Collection Practices Act. A debt collector within five days after initial communication with the consumer in connection with the collection of any debt shall send the consumer a written notice containing 1. The amount of the debt. 2. The name of the creditor to whom the debt is owed. 3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, all collection activities shall stop, until validation is given to consumer. Ability Recovery Services LLC hasn't showed any permissible purpose to be listed on my consumer credit report.
Consumer complaint received 2024-03-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC (NC)

In short, during my last cash-out refinance in XX/XX/XXXX, Rocket Mortgage ( RM ) engaged in deceptive loan tactics in order to push through my cash-out refinance without explicitly telling me they were going to write checks to my debtors instead of a lump sum being deposited to my checking account. The paperwork I filled out was also not clear on where the money was going nor were the questions on the inital application in a logical order. In the first couple of pages, I checked that I wanted the funds dispersed by ACH transaction, and provided my bank 's routing and account numbers. My loan officer and I did have two phone calls where he had me verify debt amounts, but never did he say the funds at cash out will be checks written directly to these debtors. It was my belief he was verifying debts to establish a debt to income ratio. 

Furthermore, I had no reason to believe this cash out would be any different than the first one back in XX/XX/XXXX, where I received all funds deposited into my checking account. 

This has led to the wrong debtors being paid as my wife and I had identified a plan to pay off the debtors with the largest monthly payments, and the checks that were cut by RM were to random other small debts with lower monthly payments we were not going to fully pay off. 

The consequences of RM 's actions have left us with a mortgage that is unmanageable due to the incorrect debts being paid and not having enough cash flow at the end of the month. It led to us needing a large consolidation loan for outstanding debts and seriously having to consider selling our beloved home. If we were able to pay off the correct debts with the larger payments, we would be comfortable with our current mortgage. 

I believe the deception on RM 's part was intentional in order to push the loan through and collect their commissions.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

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 2020-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (CT)

I have a student loan account with Wells Fargo Bank that I am beginning to repay. Upon inquiring with Wells Fargo Student Loan Customer Service about automatic payments, I was told they would email me the forms for automatic payments and I could fax them to Wells Fargo. I completed the forms after they were emailed to me and signed them electronically. I then faxed the completed forms to the fax number provided by Wells Fargo Customer Service on XX/XX/2020. 

On or about XX/XX/2020, I received a letter from Wells Fargo Bank dated XX/XX/2020 stating that they would not accept my automatic payment forms as they were electronically signed and Wells Fargo requires my original wet ink signature. Nowhere on the forms or the instructions for said forms did it say that I was not allowed to sign these forms electronically. I called Wells Fargo Bank Customer Service the same day and asked if this was true, I was told yes. I then asked to speak to someone in their legal department as nowhere on their forms did it indicate that I was required to provide an original signature. I was assigned a case number and told I would receive a call within ten ( 10 ) business days. 

I was contacted XX/XX/2020 and informed that although the forms do not say that I can not sign electronically, they will only accept an original wet ink signature. I was also informed that these forms could not be faxed, even though the first representative I spoke to said that I could. It also does not say on the forms that you are unable to fax the automatic payment forms either. I informed the representative that it was absolutely appalling that none of this was disclosed on these forms, to which I was told that I was absolutely correct and this information should be on those forms. I was then told that this information would be forwarded to their legal department. 

If Wells Fargo Bank does not accept electronic signatures on their documents, then it should be clearly specified on their forms. I was allowed to apply/sign for all of my loans electronically and sign them electronically so I assumed that I would be able to do the same thing with the automatic payments. I find it completely unacceptable that this information is not properly or appropriately disclosed to consumers and Wells Fargo Bank should make any and all effort to resolve the situation immediately.
Consumer complaint received 2020-06-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have been in an awful identity fraud situation recently and someone has activated an account with BOA without my permission. i have reported this before and it worked for a little bit but it is reappearing for no reason. this account is not mine and it needs to remain blocked.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/year> I purchased a Hot Tub on XXXX through capital one shopping. My browser extension actively advertised this to me, which is why I went ahead and did it. It stated it would provide a 3.5 % cash back on the purchase. See attached Exhibit 1 for the proof of this 3.5 % cashback from Capital One Shopping. I have also attached Exhibit 2 which is proof of purchase from XXXX. 

On XX/XX/year> I received an email saying that my capital one shopping account was now suspended for violating the XXXX. I have repeatedly asked for reasoning and they just link the XXXX. 

From my point of view, they are holding {$150.00} hostage and do not want to pay it out. I have not violated ant terms of service, and I can prove that.
Consumer complaint received 2019-05-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (KY)

On XX/XX/2016 i was XXXX  in the XXXX. I had medical insurance that was supposed to cover all costs. Plus the XXXX got away free and clear while i apparently had to get the worst end of it all. I suffer and he didn't. If their were any costs to pay he had to pay them. Plus, again i had insurance to cover my pain.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Disputed an account twice with TransUnion and XXXX XXXX XXXX XXXX to correct inaccurate account information. TransUnion responded back to both disputes stating the account is " accurate '' as it and it will be staying on my credit file. My previous auto account with XXXX XXXX XXXX XXXX is closed as of XX/XX/2019 and has a {$0.00} balance. This account is NOT an accurate reflection of the accounts ' true status which is a perfect payment history, paid in full and closed as of XX/XX/2019.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, on my credit report is shows that I have over 90 days unpaid on student loans when i Had deferments at the time, the status of the loans are currently correct, as i am now in a deferment. But I have sent Goodwill letters, certified, to get the old late payments removed from my report and I havent been able to get this handled. Its damaging my credit score, Please help. Thank you
Consumer complaint received 2020-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP (CA)

I received an alert from XXXX  that I had a collection on my credit report. I called the Kimball, Tirrey, and St. John and advised them that I do not owe this and was told to send a letter to them advising that I do not owe the amount that was on my credit. I sent the letter to them and received no response. I was never sent a letter of collection from them at all. I contacted the XXXX XXXX XXXX   and Kimball, Tirrey, and St. John advised that they would send a letter to me of what was owed and I did not receive that letter. This is fraudulently on my credit and I advised them of this and the amount still remains. I need this deleted from my credit and a deletion letter issued to myself as soon as possible.
Consumer complaint received 2018-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

I received a credit collection notice in XX/XX/2018, it was for someone of a different name in a different state. I called them and told them it was sent in error, they did nothing. I disputed this with XXXX  and they said it was valid.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

My mortgage was sold to Mr. Cooper, address is Texas. My payment is due the XXXX of the month, I have 15 days grace till it is late, I have it set up on auto pay from my bank on the XXXX after my check is deposited. I have NEVER been late. however, if they do not have my payment by the XXXX, they start calling me every day and harassing me that my mortgage is delinquent. Is this even legal? and every time they call with a delinquent notice does it ding my credit record? I want the harassment to stop!
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Opportunity Financial, LLC (GA)

I have sent OppsLoans letter on XX/XX/2024 for validation debt and to provide my wet ink signature of this loan. I have no knowledge of this loan that has been takinng out in my name.
Consumer complaint received 2024-03-05
Product: Credit 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. (NY)

The issue is with Citibank charging me twice for a purchase of XXXX XXXX. The cost was {$2300.00} on XX/XX/XXXX. We returned the doors on XX/XX/XXXX ( we actually looked at them and never accepted them when we went to get them due to a manufacturing error ). The credit card company put the charge on twice and is refusing to correct it. Home Depot gave me all the proof needed. XXXX at Citibank XXXX ID number XXXX refused to acknowledge it was their error. Ive been going back and forth, both to them and HD with no correction over a year later. Ive been sending dispute enotes and mailing certified letters and am at a complete loss for words. Ive worked very hard for an excellent credit rating and this is going to destroy it. Please help me to resolve this. 
It is a Citibank error that needs correction.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (CA)

I completed a debt consolidation approximately 10 years ago. Three of the creditors did not settle. One of the creditors has hired a collection agency to come after me for the unsettled debt ; but the statute of limitations is up.

The letter they sent me says they can not sue me or send this to the reporting agencies. 
The state of CA website says not to ignore the letter and seek legal counsel.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a phone call saying that I owed BofA {$16000.00} from an old line of credit in 2006. They won't provide me with any information and said I can log into a website and pay {$1100.00} and not have to go to court. I repeatedly asked for an explanation of the debt and they said they can provide it once I pay. I tried to pay and my bank refused the charge, saying it was a cash advance charge. I called back and he the guy said he could do it over the phone for a fee and I hung up. It sounds like a scam and I have nothing on my credit report for this account and never have. The debt collection/lawyer website is XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX of 2020 there was a late payment from capital one reported to my account. I reached out to them and they said that there are no late payments being reported from them. But it is still on my credit report. I would like to have this removed since it is wrong information.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

Citibank closed and froze my savings account on XX/XX/23 I spoke to XXXX with Citibank at XXXX XXXX  XX/XX/23 and she verified this. Citibank has not returned MY money, as the XXXX days have passed. I truly believe they are committing banking fraud by freezing accounts.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Auto XXXX - This was part of my divorce decree that my husband was to pay for this vehicle. I went outside one day and my car was at the impound. I paid the rest of the loan off and this should not be reporting on my credit report as my debt. This was declared his financial obligation.
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

My ex-husband and I are both listed on the loan. In XXXX, my ex-husband and I separated and shortly after got divorced. During that time, the payments on the auto loan were made by him and proof can be provided. Once he stopped making the payments, he communicated with FNB that I would be taking over making the payments. However, they recorded this as him saying there would not be any further payments made on the loan. When this happened, FNB proceeded with a repossession order and did take the car. I was able to communicate with them and reinstated the loan for the car. Since that repossession, FNB has not taken the repossession order off my account and they are STILL trying to repossess my car despite receiving weekly payments that are being applied to my account. It's highly embarrassing to have repossession men come to my house, in front of my neighbors, and try to take a vehicle I'm actively paying on. On XX/XX/XXXXXXXX two repossession men came to my home, explained why they were there, and I honestly had no idea there was still an active order in place considering I've been making payments. I was able to provide proof to the repossession company of my payments and they did not proceed with taking my car. However, there was also someone from FNB that informed my previous landlord that I was facing repossession due to XXXX XXXX XXXX  amount being owed on the account. A ) that is not true B ) they are not allowed to give information about MY loan to someone not involved with it in any way except to defame and slander me. This is insulting and disgusting for a company to take money from a consumer and STILL try to take their car to get MORE money from an auction sale. This repossession has been active for over 200 days, which means they've been taking my money but also still trying to take my vehicle that I've BEEN paying for. My payments are taken from account electronically and come out immediately. They are applied within 2-3 days upon receipt.
Consumer complaint received 2024-02-26
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: Resurgent Capital Services L.P. (MD)

I contacted XXXX, XXXX, and XXXX several times by phone and mail regarding incorrect information reporting on my credit report as collections. The collection companies such as LVNV Funding LLC in the amount of {$620.00} and {$610.00}, XXXX XXXX XXXX in the amount of {$2000.00}, and XXXX XXXX XXXX in the amount of {$1100.00} does not belong to me. I do not have contracts with these creditors. I have not received ant additional information from the credit bureaus showing contracts that has my name, date of birth, address, and or signature stating that I am responsible for the debt.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (GA)

This is an old debt that was previously removed from my credit and has been placed back on damaging my credit score and has been written as a new debt. Please removed this debt as original creditor is also closed and the debt is passed the statue of limitation of 4 years in GA.
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Fig Tech Inc. (FL)

The loan was for the amount of {$100.00}. I made a payment and my account was never updated. I have tried to reach out to someone multiple times regarding the issue but I never got the proper help regarding this issue.
Consumer complaint received 2020-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Resurgent Capital Services has consistently hit my credit monthly about a debt in the amount of {$4500.00}. They have not provided me with documentation from the original creditor to detail the debt. This account from the original creditor was closed and the amount was charged off.
Consumer complaint received 2020-06-25
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. (CA)

I was A victim of identity theft. XXXX  XXXX had marked me late payment for charges that didnt belong to me. I addressed the issue and they removed the late payment. 
six months later they have updated the reports and are re reporting the same issue from identity theft. Now it is causing damages and keeping me from being able to get A home.
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXXXXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017 and XX/XX/2017 XX/XX/2017