davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name-XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX  Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX  XXXX Account # XXXX Account Name- XXXX XXXX Account XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c, ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-28
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: WELLS FARGO & COMPANY (WY)

My mother came to live with me in XX/XX/XXXX. At that time she had one Credit Card that she used, it was her CC from Wells Fargo. In XX/XX/XXXX she had dental work done for a lot of money. In early of XX/XX/XXXX she fell, hit her XXXX, became XXXX XXXX and died in XX/XX/XXXX. Here is what happened next. Her accounts were hooked to mine as I held her Power of Attorney. She dies and Wells Fargo proceeds to apply her CC onto me. In XX/XX/XXXX, after receiving her Death Certificates I proceed to explain to the WF Card Service, Credit Bureau Dispute in XXXX XXXX, IA that this was not my debt, that yes the accounts were together but she paid her own bills and the accounts were together so that after she would die no probate would be ; this bill was being paid but she had fallen and died. I sent to them an original Death Certificate, showing that she had indeed fallen. After this first one here is what they did. They apply to my credit reporting as this : Charged off as Bad Debt. Profit and Loss Write Off. After two more letters asking them to remove completely it is still sitting on my report! 
This is not fair to me. They have written it off, now take it off my Credit Report. I have sent to them to the above address two more times asking them to do this to no Avail. Please can you help me.
Consumer complaint received 2015-08-04
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

On XXXX/XXXX/2010, my mother took a Reverse Mortgage Home Equity Conversion Loan with XXXX XXXX XXXX , XXXX whose address was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. My mother received a sum of money from XXXX XXXX but left {$95.00}, XXXX in equity on the property. My mother has passed. Currently, the loan is being serviced by Champion Mortgage whose address is XXXX. XXXX XXXX, XXXX, TX XXXX. The telephone # is : XXXX. The loan # is : XXXX. The problem that I am having is that two months ago, I found out that I am the mortgagor on the loan. At the time the loan document was drawn up, I was never told that the loan was in my name. Additionally, I was told that the {$95.00}, XXXX equity that my mother left in the property is probably worth {$20000.00}. I was also told that the remainder of the equity died with my mother. I was told that there is nothing that I can do at this time but to sell the property. However, I am writing to you because I feel that my mother was frail and vulnerable at the time she took the loan. Moreover, I was not given information about the type of loan and the pros and cons of a reverse mortgage that was subject to a life estate in my mother 's name. I do not want to sell my home and would like an opportunity to continue to live in my home. As a result, I would like to know if I am covered by the reverse mortgage since the loan was in my name.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (AL)

to whom it may concern i am a victim of identity theft the items of my concern are XXXX acct # XXXX amount XXXXXXXX XXXX  the account was opened on XX/XX/XXXX and XXXX XXXXXXXX account # XXXX the account was opened on XX/XX/XXXX amount of the card XXXXXXXX XXXX these two accounts were unauthorized and i would like the removed immediately
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I requested a credit card from XXXX on XXXX XXXX 2016. TransUnion, credit reporting agency deducted XXXX points from my credit score. I called TransUnion but the Supervisor would not give me any information why - XXXX points were deducted instead normal XXXX to XXXX points for hard inquiry. I filed a dispute to TransUnion on XXXX XXXX 2016 but I have not received a response.
Consumer complaint received 2019-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I recently applied to refinance my current mortgage with Wells Fargo as I have been a loyal customer for 20 years. While I applied they demanded that I pay them an upfront fee for over {$500.00}. I'm was confused as my sister in law recently applied and she didn't have to pay any upfront fees yet she lives in a nicer area of XXXX XXXX ( zip code XXXX ). Yet I live closer to down town in more rougher area which I feel is unfair ( zip code XXXX ). Also, if I pay the upfront fee I will not be able to pay my mortgage payment as the upfront fee they requested exceeds my monthly mortgage payment. So they forcing me to choose between keeping my mortgage current or paying them to refinance my mortgage. Regardless they are not be fair to me because of were I live and intentionally trying to push me into a past due situation.
Consumer complaint received 2019-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (GA)

This collection was paid. To Enhanced Recovery CO L. There was also communication indicating this would be removed from my credit report once paid in full. I paid the debt. However, ENHANCED Recovery CO L continues to report this derogatory information on my XXXX Credit report. This company agreed it would no longer be reported if paid off, which I did. But, they refuse to take information off my report. Please assist. 
Amount owed shows as XXXX dollars. XXXX XXXX XX/XX/2018. Lastly, I have reached out to this company repeatedly with no response after paying them.
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I am a mother of three children. I had my last child on XX/XX/21. On XXXX Wells Fargo phone number called me to inform me there had been fraud on my account in the amount of XXXX. The transaction was pending so I called the bank to have them stop the transaction. They refused because it was done through XXXX and told me it would be a learning experience and they would not be refunding my XXXX. The fraudster had Wells Fargos phone number their hold music and I did not give them any information on my account but they had it all. I am now at a loss and unable to pay my mortgage.
Consumer complaint received 2019-12-15
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. (CA)

There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-XXXX  XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. 
There were/are multiple notifications by the alleged student loan servicer-XXXXt for overpayment from my bank account. Yet the alleged student loan servicerXXXX   continues to take this money automatically from my bank account and continues to record non-payment of this private student loan with late fees. 
This willful fraud was conducted, since the inception of this private student loan The alleged student loan servicer-XXXX continues to Defraud and Create a Fraudulent Loan Balance of this private student loan with Late Fees, even after taking illegally withdrawing Excess Funds from my Bank Account XXXX  Equifax and XXXX XXXX reported Fraudulent Loan Balance of this private student loan and violated FCRA without proper verification of the Loan Balance of this private student loan, even after two ( 2 ) previous requests.
Consumer complaint received 2022-11-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MD)

I have an auto loan with Ally Financials. Ive fallen behind on payments but have always tried my best to pay something. On XXXX separate occasions, Ally violated the law. Ally financial contacted a family using their skip tracing method to get in touch with me/my husband. I called to let them know to stop because they dont know if the person they are reaching out to us is an ex-family member or not. Ive called on XXXX separate occasions to ask them to only call the number listed on the account and no more skip tracing. Today Ive had enough. They called someone else again, not an authorized person on the loan. 
- XXXX instance - XXXX instance XX/XX/2022. 
- XXXX instance XX/XX/2022. 
- XXXX instance XX/XX/2022.
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (IL)

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Consumer complaint received 2022-11-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (IN)

I first called Sallie Mae at the end of XXXX this year and I would say Ive called them XXXX or XXXX times since then to try and get my monthly loan cost lowered. I am XXXX and I dont have steady employment, but still Im expected to pay $ XXXX? I have no freedom anymore. I would love to get some support because this really has been the worst year of my life paying these loans. Sallie Mae has not even picked up a call from me. There is no service on their end.
Consumer complaint received 2022-01-21
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC (NV)

On XX/XX/XXXX, per 15 US Code 1692c ( c ) I sent out a Cease and Desist letter via certified mail. Westlake Financial Service received this letter with tracking number XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX I continuously kept receiving phone call after phone call after phone call. Per 15 US Code 1692c ( a ) ( 1 ), I was receiving these phone calls at an inconvenient time.

Westlake Financial Service has continuously harassed me per US Code 1692d ( 5 ) regarding an alleged debt. Per 15 US Code 1692d ( 2 ) this company has used obscene and profane language, using phrases such as " I owe on an auto loan ''. 
Not only has this debt collector harassed me and ignored my cease and desist letter, they have advertised for sale at an auction on XX/XX/XXXX the alleged debt which is a clear violation of 15 US Code 1692d ( 4 ). 
From the time of the acceptance of the cease and desist letter, Westlake Financial Service has contacted me 31 times. They have made my voicemail box full from continuously leaving voicemail messages. Which has allowed me to miss out on important voicemails left by family members and employers.

Pursuant to 15 US Code 1692 ( a ), Westlake Financial Service has used abusive tactics to try and collect on this alleged debt and needs to be stopped.
Consumer complaint received 2019-12-28
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 never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet XXXX is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (KS)

On XXXX XXXX 2022, I checked my account through synchrony bank for XXXX XXXX and discovered my account credit limit decreased from {$2200.00} to {$1600.00}. Now that might not seem like alot to some but to me and my husband who have other bills to worry about it is. I have been in good standing on this account since it opened. I have made good payments on this account. When I asked the company about why they did this as I got no warning notice at all of this, their response was they pulled a credit check and decided to lower my limit based on that. Now I have had credit cards thru other companies and they NEVER pulled a credit check after I was a established customer. This baffled me that synchrony did this. Then they had the audacity to lie about my credit score stating it was XXXX points lower than my report actually said and stated their decision was on the basis I lacked any mortgage history. I didn't even have a mortgage when I opened the account with the above stated credit limit. They obviously didn't care about it then so why now? Now because they did this my score decreased XXXX points, My card is almost maxed out and my minimum payment went up to where I can no longer afford to pay it along with other bills. Their customer service rep was very rude and unhelpful. I can not even believe what they did was legal yet their rep said it was and they are protected by their policy. They claim a letter was mailed to me XXXX XXXX but I never received said letter. 


Thank you for any help given.
Consumer complaint received 2019-12-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Messerli & Kramer P.A. (MN)

Back in XX/XX/XXXX my credit card account was closed by XXXX XXXX XXXX and given to Messerli & Kramer, P.A which is a debt collection agency and not a law firm which they have always started when ever they called me. 
Messerli and Kramer started making collection calls as early as XXXX and back to back phone calls. 
I was threaten by Messerli & Kramer, P.A after I asked them to stop calling me but they still kept on calling me and threatened me with garnishment, levy my bank accounts, and even sent letters to my current employer informing them of the debt which they claim that they have the right to do. 
I originally dispute the debt with Messerli and Kramer but I got nothing in the mail concerning my disputes and to my surprised they fraudulent went and sued me simply because I disputed the debt amount. 
On XX/XX/XXXX at XXXX I did received a phone call from XXXX XXXX XXXX apologizing about Messerli and Kramer violation of the fair debt collection practice cause I did filed a complaint with XXXX XXXX. 
I did filed a complaint with Minnesota attorney general office as well but the office have limited power and back in XX/XX/XXXX Messerli & Kramer was sued by the state of Minnesota Attorney general office for the same harassment static. 
As of XX/XX/XXXX there's a lots of lawsuits that was won against Messerli & Kramer for the said violation and there are some on going lawsuits in the state of Wisconsin circuit court in the city of XXXX, case # XXXX. This collection agency have try to avoid been fair by garnishing consumers paychecks without properly notify them of their rights or validating debts. They're quick to sued and my wife was a Victim of there fraudulent suing. please stop this company from violating the fair debt act.
Consumer complaint received 2020-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I have made a payment of {$97.00} on PayPal to XXXX XXXX XXXX XXXX on XX/XX/2020 for a product. After I made the payment and told him, he instantly blocked me on XXXX XXXX. I'm convinced that he has done this with not just me, but with many other people as well. This is blatant fraud and scam.
Consumer complaint received 2022-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (TX)

I checked my credit report and I noticed a fraudulent account. I filed an ID Theft report so that the account can be properly removed. The credit reporting agencies are supposed to report fair and accurate information. This is a violation of 15 USC 1681b ( 2 ) ( a ) ACCOUNT TO BE REMOVED : WESTLAKE FIN XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX )
Consumer complaint received 2019-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (IN)

After several phone calls I received a voicemail and returned the phone call to the XXXX XXXX XXXX XX/XX/XXXXXXXX. I had also just received my first loan payment letter stating I had a payment that was going to be due in the next month. I had the semester off during Fall'XX/XX/XXXX but already enrolled for Spring 'XX/XX/XXXX. I was confused by the notice and the phone calls from this company. I had gone ahead and called the XXXX XXXX XXXX XXXX  XXXX back to see what the deal was with their calls. I spoke to a man named XXXX. He already had all of my account information which seemed both alarming yet reassuring to me. I felt that the knowledge of what I went to school, the company my loans were through and the history of my loan payments made things seem more legitimate. There were very few errors in the details he told me regarding my current loans and status. I am very skeptical so this is an incredibly embarrassing situation for me to be in right now. Going through the process of giving him the information of the company I currently work for, the approximate yearly income I was making and a few other details that did not seem to be too sensitive, not my SSN, DLN, account numbers or anything of that nature. He informed be that I qualified for a public service loan due to the hospital where I currently work. He then informed me of the payments I would be making for the first five months and so on. These numbers seemed way way to good to be true, so I continued to ask some more questions about the adjustments, where to see this information posted and so forth. He informed me that everything would be visible through the loan website where my government loans were taken out of. This was easy to do! What had I been waiting on? What a deal! What I was not expecting, because there was no permission and no bank account information given, was to find in the following week for {$450.00} to be taken from my account. This occured the following month as well. In an attempt to immediately address the problem I called the company who is in charge of my loan to inquire, as well as my bank. Due to the XXXX holiday these places were closed. Following the XXXX holiday a second withdraw was made. This again was not something that was approved or authorized by me. This is being done through a bank account that the account numbers have never been shared and I am the only name on the account. I have no idea on how this happened. I immediately tried contacting the SFLA company to see what was happening. I called their listed number, XXXX and waited for the prompt to enter XXXX XXXX 's ext. in, that prompt never came. I sat and listed to the hold music for over 1 hour and no one every answered the phone. I have filed a fraud notice with my bank for the grand total of {$910.00} transactions on XX/XX/19 and XX/XX/19, for an investigation or at least fraud protection to be set in motion. Please look into this company and shut it down.Thank you.
Consumer complaint received 2022-08-25
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.