davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

I received a transfer of service notice from my current services, community loan servicing indicating my loan would be transferred to Fay servicing on XX/XX/XXXX. The letter indicated that Fay servicing would be accepting payments as of XX/XX/XXXX and gave a phone number ( XXXX ) and address for Fay servicing to send payments to Fay Servicing , LLc XXXX XXXX XXXX XXXX XXXX Ill XXXX. I contacted Fay servicing on XX/XX/XXXX to make a payment and get my account number and they had no record of the loan. I contacted Fay servicing on XX/XX/XXXX to attempt to make my payment once again. I spoke to XXXX XXXX on a recorded line on Friday morning at XXXX PST at Fay servicing. I was told they had no record of my loan and could not accept payment. I was also told not to mail my payment to the address given on the Transfer service notice because I had no account number, and they had no record of the loan. I was told they were having problems on boarding loans, and I would not be charged a late fee or any penalties because it was there fault. XXXX XXXX told me to keep calling back and checking to see if my loan has been on boarded. 
I also called my previous service-Community loan servicing on XX/XX/XXXX, and spoke to XXXX at XXXX to make her aware of the problem and what they had indicated in the letter about Fay accepting payments on XX/XX/XXXX was inaccurate and false. She has referred me to a consumer advocate person at Community loan servicing who will call me on XX/XX/XXXX. Community loan can not accept my payment because they have my loan transferring to Fay servicing as of XX/XX/XXXX, and Fay servicing has no record of the loan. Please help me resolve this. I just want to make my mortgage payment now.
Consumer complaint received 2019-04-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (FL)

I bought a new car but with XXXX  miles on it I noticed sensor lights on. I took it back to the dealer service department on XX/XX/2019 and was told not to worry even though I had great concerns. An appointment was set for XX/XX/2019. On XX/XX/XXXX while returning home from a VA Hospital appointment all sensors failed. The dealer wasn't available to help. upon getting home I called Hyundai Finance and Hyundai Corporate Offices in California. They told me to have it towed to the dealer, this was done on XX/XX/2019. I was given a case # by Hyundai Finance ( XXXX ). Nothing was done to repair the vehicle because I was told I had to pay for repairs even though the Hyundai Warranty, and a Carefree Car Protection policy had been purchased at the time of the car purchase. So the car sat in the dealers lot for over six weeks and since has been taken somewhere else. I still receive billing from Hyundai Finance for payments past due. The loan amount is {$23000.00} and the past due amount is {$620.00}. I haven't seen or had service of the vehicle since XX/XX/2019. I've tried to work with them but now get no response to my e-mail letters. I think that Hyundai has covered up an internal issue with my vehicle. I do know about the complaints and fire issues that this company is currently dealing with The Center for Auto Safety and Congress of The United States of America.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MD)

PayPal requested a photograph of my Social Security Card in order to verify the account which I had with PayPal and used for over 10 years now. The company does not make it clear why the actual photograph of the Social Security Card needs to be transferred over the internet for such " verification ''. Additionally I would like to observe that neither my bank ( both traditional banking checking account, and credit card services ), nor my retirement account brokerage firm, nor my employer have ever requested a photocopy of the Social Security Card.

I had called PayPal to ask about this, the estimated hold time was 1-2 hours and the robotic system offered a call back. When the system called back ( at XXXX EST, XX/XX/2021 ) and I was connected to a live human agent the call was immediately disconnected after I inquired about the legitimacy of the request for photo of my Social Security Card.
Consumer complaint received 2021-09-10
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. (GA)

Please see identity theft report. I have consistently disputed fraudulent account that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2021-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

This CFPB 's Complaint refers to the prior CFPB Complaint # XXXX. 

Wells Fargo has NOT ADDRESSED this Consumer 's other Problematic Issues in the Prior Complaint with Wells Fargo 's Violations against Consumers, and the Legal Citations this Consumer had stated in the previous complaint. 

This second Wells Fargo letter was their Answer : was avoidance of this Banks BAD BUSINESS PRACTICES issues and the Consumer 's Legal Citations.. Refer to the [ ATTACHEMNT ] Wells Fargo makes mention to their Consumers of reporting their Refunds to the I.R.S.

do the injured Consumers to be prepared to possibly pay taxes on their court ordered Restitutions to their victims ; their Consumer s. 

It is the opinion of this Consumer is that WELLS FARGO IS QUILTY OF TAX AVAISON and the I.R.S.DOES NOT ACCEPT SXXXX COVER LETTERS FROM BUSINESS ENITYS. TO EXPLAIN THEIR MATH FIGURES. 

I.R.S.LOOKS AT THE MISSING ITIMIZED PAY STUB OF EACH OF THESE REFUNDS CHECKS THAT WAS MAILED OUT. 

REISSUE CHECKS SENT TO THIS CONSUMER.I am assured that by correcting Wells Fargo 's incompetency will defiantly cost OVER the additional amount of {$0.00} to compensate the Consumer for their time when the Consumers did not have these funds.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX, CitiBank agreed to deposit {$400.00} into my checking account within 5-7 business days, per CFPB complaint XXXX. It has been 14 business days, and CitiBank has not deposited {$400.00}, nor responded to my messages. I took the following actions : XX/XX/XXXX : I sent a followup email stating it has been 9 business days, no response. 
XX/XX/XXXX : Sent a followup email stating it has been 11 business days, no response. 
XX/XX/XXXX : Called the Executive Response line, XXXX. Was told " XXXX '' wasn't available and " no one else '' at CitiBank could possibly help. Left message, no response. 
XX/XX/XXXX : Reached out to @ XXXX customer support on twitter. Escalated for an " immediate review ''. No response. 
XX/XX/XXXX : Followup email stating it has been 14 business days, no response. 
XX/XX/XXXX : Called the Executive Response line, XXXX. Was directed straight to a voicemail despite it being business hours, twice. Left message, no response.
Consumer complaint received 2021-03-22
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. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (PA)

I took out a credit builder loan with XXXX around XXXX of 2022. Its a loan that was $4000, I received 1500 of it up front and the rest was locked In a savings account held by XXXX XXXX I liked the idea for someone like me rebuilding my credit and XXXX was a reliable company with a great reputation so I I felt at ease borrowing from them. Also one of the biggest draws for me was the automatic payments that happened every pay day so that I didnt even have to worry about making payments and they just came out every time I got paid. I wouldnt even notice it. It was going very smoothly. Until XXXX 2022 I got an email from XXXX  saying they sold my loan to a company called SST (systems and services technologies )Which ok, it happens but I had only really heard of that with mortgage loans not with a loan like this. However XXXX assured me in the email that nothing would change, terms were still the same, auto payments would carry over and that my savings would be safe and I didnt have to worry about a thing. 
Well I should have known when I went to create an account on the new companies site and couldnt see any of my past payments made or any other info on my loan (and still cant) that something wasnt right. 
Fast forward to last Tuesday I get a call at work from someone at SST saying Im THREE payments behind on my loan and I owe them almost $300 immediately. What? I explained the email I got that said my auto payments were supposed to be transferred and that I had assumed they had, because silly me why would a bank lie to me? The man who called from SST looked this up and said oh youre right. I am so sorry about that. But they didnt get set up on our end so now youre behind and we are reporting this to the credit bureau

Lovely. I made one payment like I told them I would right away when I got paid but that I cant pay all three at once. That is NOT what I signed up for. I also didnt sign up for a loan at a shady company that calls and harassed me several times a day over THEIR mistake. I never ever ever would have taken out a loan with a company that operates with a website that has about two features , doesnt show me where my savings account is, what payments have been made, nothing.. and that cant get auto payments set up correctly and that just doesnt care and calls and harasses me over THEIR MISTAKE. And XXXX XXXX .. Im sure they knew in XXXX they were going to sell my loan, I should have been made aware so I could have opted out. 
Im not the only one that feels this way. Theres a whole XXXX  devoted to this topic and people talking about forming class action lawsuits. Two companies took advantage of people who already dont have good credit and are trying to rebuild. Shame on XXXX and sst.
Consumer complaint received 2021-03-22
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. (NY)

On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the lender, XXXX XXXX & credit bureau, Equifax. XXXX XXXX send me a letter onXX/XX/2020 stating they will remove the hard inquiry. As in XX/XX/2021, XXXX XXXX or Equifax have yet to remove a fraudulent hard inquiry on my credit report known as XXXX dated XX/XX/2020
Consumer complaint received 2022-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (AR)

i took out a personal loan from XXXX XXXX, a loan company for military, in the amount of XXXX. The loan was then sold to or was said to be serviced by SST/Pioneer. First the loan term was supposed to 30 months but they changed it to XXXX and told me i misunderstood. in any case my payments where XXXX set up on auto draft for the XXXX of the month every month. it came out every month and the few times it didn't they blew my phone up until i corrected the issue. usually he next day. At the end of the loan of which the repayment amount was {$11000.00} dollars that i paid. they decided to dream up all of a sudden a missed month that turned into late fees and stuff equalling $ XXXX. i argued and argued this to them and asked they produce proof and they did not. 

Then after paying XXXX dollars for XXXX they decided to report it as charged off BAD DEBT. Again i argued and demanded proof with no help. I then disputed through the credit Bureaus that apparently don't actually look at the disputes as it must be automated, because the very paper work SST sent them proves my case. As well as shows how un organized they are as there is " missing '' data all over it. Turns out i was even double charged something like 10 months of the repayments. 

They say they have agreed to delete it from my profile but that isn't what i want as i am trying to build my credit and if i wanted it to be bad debt i wouldn't have given them {$11000.00}. 

regardless it is just another scsm as it is no deleted plus they put another collections account on the same false debt using a different company name. its called XXXX XXXX XXXX
Consumer complaint received 2022-09-28
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. (AL)

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. 

XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2021-08-03
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: Bread Financial Holdings, Inc. (NY)

I have these items that does not belong to me and i want them to be removed from my credit. 

XXXX  1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CCB/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CCB/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CCB/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

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


XXXX  1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

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

3. Identity Theft COMENITYBANK/VICTORIA Date of inquiry : XX/XX/XXXX This is not mine. 

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

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

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

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

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

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

XXXX  1. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

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

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

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

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

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

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

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

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

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2022-01-08
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. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

I have had ongoing issues with Equifax incorrectly reporting an auto loan account with XXXX XXXX XXXX XXXX XXXX. Initially they reported the account as closed when it was open, and subsequently when the account was paid in full in XX/XX/2020, they continue to report the account as open with a balance of {$6500.00}. They respond to disputes that they have " verified '' their inaccurate information. Complaints to the CFPB have been satisfactorily " resolved '' based on Equifax reporting false information.
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (LA)

I XXXX XXXX Received a letter from Penn Credit Corporation stating I owe a debt which is a violation pursuant to 15 USC 1692b ( 2 ) that states any debt collector shall not state that such consumer owes any debt. I also did not consent to my information being stolen or sold to any alleged debt collector.Pursuant to 15 USC 1692c ( a ) ( 1 ) i gave no consent to Penn Credit Corporation to contact me at anytime.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 my wife notice fraud committed to our small business checking account. We immediately reported to the Wells Fargo Bank who was supposed to initiate an investigation. Every time we called we were transfer to a different person and each person new nothing. After that in XXXX they requested a complete detailed report send by fax which we did and faxed on XX/XX/2021 which detail step by step how the incident occurred. The report also included XXXX of the hackers name, phone number, ect. XXXX times were called after submitting the report and as the firs time no XXXX new anything about the fax. Finally they confirmed that the fax was received but no one had the time to look at it. As of today the money have not been reimbursed nor any communication to use on the status. 

I decided to call Florida Attorney General Office where they instructed me to issue a Police Report which I did, File a report at XXXX which I did, File a complaint at the XXXX XXXX XXXX, which I did and finally File a complaint with your agency and is exactly what I'm doing. 

We are not sure if our account was what Wells Fargo  reported back in XXXX where there access code was used to steal the personal information of roughly XXXX consumers, leading the bank to conduct a full-scale inquiry into the data breach.
Consumer complaint received 2021-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Citibank promotion : If I deposit $ XXXX.into a new checking account, leave a minimum of {$50000.00} in the account for a minimum of 60 days, Citibank would deposit {$700.00} into that same account. 

I made the {$50000.00} dollar deposit on XX/XX/XXXX, my 60 days were over XX/XX/XXXX. 

I called Citibank around XX/XX/XXXX to see why the promotion money has not been applied. The customer Service Rep said " it can take up to 90 days to see the deposit '', Wait ... what,? 90 days in this world of automation?.

The Rep also stated that to avoid any service charges on my current account, I had to maintain the {$50000.00} balance.

So, it works out that Citibank is keeping my money for 150 days before they apply any promotion money.