davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Whitestone Financial Holdings LLC (NC)

I purchased a vehicle from XXXX auto search and were supposed to get a financed through Whitestone financial and I never ended up receiving the car and never make payments on that vehicle. The vehicle was actually sold to a friend of mine. I asked for A copy of registration Showing were the vehicle is registered to me. The company refused to provide it this is 100 % fraud and I was advised hi my attorney two put in a formal complaint. Before moving on to our next step. And the fact that they report of the payment XX/XX/2015 is 100 % wrong thats when my buddy bought the truck from that dealership. And if youre claiming this was A legitimate loan for a vehicle then why is it when the vehicle was sold to my friend my balance never changed nor was it ever repossessed from me?
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (WA)

On XX/XX/XXXX I received an stating that an account from XXXX XXXX XXXX was sent to Collections in which I supposedly owed {$1000.00}. I know I am a victim of Identity Theft! I have been calling all credit bureaus to place a freeze on my accounts and disputing the Collection account. Penn Credit Corporation is the Collection agency that I had sent the dispute too and they refuse to drop the Collection account even though it is not me. I have sent them proof that I do not live in XXXX, AZ where the account originated. I actually live in Washington and on XXXX XXXX orders at XXXX XXXX XXXX which makes it physically impossible for me to live in XXXX, AZ. I attached my Utility Bills that I pay for in Washington that are dated from XX/XX/XXXX - XXXX which is the same time from the fraudulent account was made!
Consumer complaint received 2019-05-09
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. (NC)

The following accounts do not and have not ever belonged to me : XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$2900.00} XX/XX/XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (NM)

I had a dispute with a plumber for a rental property in Ga. I overpaid by around {$5600.00} in XX/XX/2019. I contacted Citibank. They told me I would get a credit but then told me my submission was not timely. I then appealed and the bank reopened the file but claim they lost my appeal papers. I have spent 5 hours w the bank trying to resolve the dispute. I am uploading all the detailed letters I sent to Citibank w all of the disputed transactions. 
The bottom line : 1 ) Citibank is not properly handling this dispute ; 2 ) Citi seems to have set in place a dispute mechanism that is cumbersome and does not work : putting aside long holds, the people who deal w consumers can not be heard as they are working overseas and the connections are awful ; 3 )  they send out notices about when a response is due but the letter often arrives AFTER the response date : this happened to me in XX/XX/2019. 
4 ) several times I asked to speak to a supervisor but w no success ; 5 ) legal recourse is impossible because of arbitration provisions and class action waivers : no consumer will hire a lawyer to deal w relatively small disputes and consumers can not join together because of the class action waiver ; Finally Citi seems to have purposely set up a dispute resolution program that is flawed because it serves their financial interest regardless of the cost to the consumer.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TX)

Hi, My name is XXXX XXXX and I am disputing a late payment that is reported on my credit file from Loancare Servicing. My credit report reflects a late payment on my prior mortgage on XX/XX/2021 ; however, this is incorrect. I paid off my home in XX/XX/2021 so there should not have been any reporting of a late payment under my account. I am asking that this past due/late payment be removed from the Loancare Servicing account ( Reference To : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, TX XXXX ) immediately as it is impeding my eligibility in being considered for the purchase of a new home loan with the lower interest rates offered in this current market. I would really appreciate it if this inaccurate report be revised at your earliest convenience. I have attached copies of supporting documentation for my request. 

1. Credit History from Loancare Servicing 2. Payoff Letter from Loancare Servicing Thank you, XXXX XXXX SS # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Email : XXXX Cell : XXXX
Consumer complaint received 2019-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

To Consumer Protection Bureau and Chase Mortgage XX/XX/XXXX As of XX/XX/XXXX Chase Mortgage refused my monthly payment {$4000.00} per month due to chase claiming that I should be paying property taxes {$1300.00} based on incorrect value. 
I was told by Chase representative if I can not make monthly payment {$4300.00}. XXXX. 
Chase will no longer accept the payment. It is unfair practice of debt collection by chase bank. 
I have called Chase and spoke to the representative and disclose to them that my taxes are not correct and the representative told me she can not help me in this matter. My last conversation with the representative regarding my taxes was XXXX XXXX. 
( SORRY CAN '' T HELP YOU ) I have been with Chase Bank since XXXX I have always been mistreated and misinformed about a lot of information that I will share with my attorney. 

I have a Notice from Chase Mortgage that they will foreclose on me starting XXXX XXXX. 

I am sending you a copy Of Notice that I received from XXXX County only 15 days ago and the decreased decision dated XX/XX/XXXX. like I said as of XX/XX/XXXX I am sending you chase monthly statements that clearly says that they did not make the correction to my taxes and forcing me to foreclosure. Because of Chase irresponsible action which includ unfair debt collection I have suffered financially, emotionally I can not function on daily basis fear of wrongful foreclosure. 

As evidence I am providing you with the following documents 1.copy of decreased adjustment event XXXX XX/XX/XXXX two pages 2. intent to foreclose on my property which is my primary resident instead of fixing the problem pages statements from Chase that clearly shows they are still unfairly trying to collect the wrong amount of impounds from me that took me to wrongful foreclosure 3.Escrow analysis that clearly shows but Chase has been paying the wrong amount to XXXX County and not making the correction the way they were supposed to based on the time I received it from them
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I'm enrolled in the Equifax XXXX XXXX plan. I call Equifax about once a month to get an update on my score. Each time my score changes. I haven't done ANYTHING to adversely effect my credit. Why would it drop 35 points if nothing adverse has been done in the past 30 days. I don't understand why the up and down on my score. I've paid everything on time since XXXX. If it is because of VERY OLD late payments what makes the score go up then back down? It's very hard getting a correct answer from Equifax, there representatives have such strong accents and it's hard to understand. Additionally I've called creditors and they will tell me they reported to Equifax, but when I call Equifax they don't have it. XXXXXXXX XXXX  reported for BOTH of my credit cards on XX/XX/XXXX but oddly Equifax only received one. 


1. XX/XX/XXXX my score is now XXXX 2. XX/XX/XXXX My score was XXXX 3. XX/XX/XXXX My score was XXXX
Consumer complaint received 2022-05-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

A letter was sent early XX/XX/2015 requesting verification. It has been more than 30 days and no response or update with the status of removing invalidated information reported by this agency/company.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$4000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2700.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$12000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$4200.00} I filed an ftc report and spoke with the creditors and they refuse to remove it.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (VA)

ON XX/XX/2021 I applied for a wells fargo credit card. I am no longer interested in the card due to lengthy customer service process and want to rescind my application. I am not being allow too. They are asking for in person verification and will not send me a full list in writing or email of the applicable documents nor a safe method to provide those documents during a pandemic.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

Ally Bank will not allow me to access my online banking and they have de-activated my debit card. They are holding my money XXXX while they investigate a " fraud complaint '' that they initiated. I called customer service on XX/XX/2021 because I could not access my account online, and my debit card was not working, even though there was not a freeze on the card. The fraud division at Ally refused to give me information on my account ( the balance of the account and recent transactions ) and would not allow me to move the money in my personal checking account at Ally to my personal checking account at XXXX ( which I just opened ) so that I could access my money to pay my rent on XXXX. I had direct deposit set up through my employer, so essentially Ally Bank is holding my money without giving me any information. I was told was that when the investigation was over, Ally Bank would close my account and mail me a check for the remainder of my balance, if there was a remainder. I should be allowed access to my banking account, and be able to see my entire transaction history, and be fully aware of what Ally is doing and why. Ally Bank should not be allowed to deny me access to my money, in my personal checking account.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Gurstel Law Firm, P.C. (CA)

I am currently working with XXXX XXXX XXXX to help pay off my debt rather than filing for bankruptcy. One of the accounts I enrolled in the debt repayment program is my XXXX XXXX credit card that had a balance of {$6200.00}. The collection is being handled by Gurstel Law Firm , P.C . On XX/XX/XXXX, XXXX XXXX accepted a settlement offer of {$3100.00} from XXXX to be paid in 24 months. In accordance with the agreement, XXXX had already made regular payments for 12 consecutive months. As of XX/XX/XXXX, the remaining balance on the account is {$1600.00}. However, in spite of several disputes with XXXX, XXXX and XXXX, XXXX XXXX continues to verify the following inaccurate information : ( 1 ) Balance and Past Due Balance as {$4800.00}, ( 2 ) Payment history shows " FP '' ( Failure to Pay ) from XX/XX/XXXX through XX/XX/XXXX on my XXXX Report and " CO '' ( Collection ) on my XXXX Report, ( 3 ) Payment Status as " Charge Off '' when it should be " Paying ''. As you know, in spite of the fact that the account was in collection, regular consecutive payments on the account, along with the reduction in the balance helps to improve one 's credit score, and unrecorded 12 consecutive payments is significant in terms of improving my credit score. The fact that they continue to report the inaccuracies is continuing to hurt my credit score and causing further damage to my reputation. I am therefore filing this complaint against XXXX XXXX and seeking your help in getting them to correct all three CRA reports accordingly. Thank you.
Consumer complaint received 2019-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I am having issues with FedLoan servicing because someone is inaccurately reporting my student record to the Department of Education. 

XXXX and XXXX are reporting my status as graduated as of XX/XX/XXXX, going back to XX/XX/XXXX, XXXX XXXX XXXX is reporting my status for XXXX College as not found because I only enrolled at XXXX and never XXXX as of XX/XX/XXXX, the Department of Education NSLDS system is reporting my enrollment status as half-time as of XX/XX/XXXX, and FedLoan Servicing is reporting my enrollment status as currently enrolled full-time as of XX/XX/XXXX. I graduated from XXXX in XX/XX/XXXX and have not enrolled at any institution since. 

XXXX, FedLoan Servicing, and the XXXX XXXX XXXX are saying this is an issue with the Department of Education. The Department of Education is saying this is an issue with XXXX and also stated that FedLoan Servicing is required to accept documentation from MIIS or XXXX to correct my student status. FedLoan servicing informed me that they can only correct my enrollment status using information from the Department of Education directly. 

Instead of being provided with a solution, FedLoan Servicing provided the suggestion of filing a School Related Deferment Waiver Form ( Form SDWFR-XBCR ). I am concerned about filing the waiver because you are only allowed to ever do this once in your entire lifetime and it has potential financial and legal ramifications. I do not feel like this is an appropriate workaround for my situation when rather the responsibility should be for the entity holding incorrect enrollment data to correct it. While I may wish to file Form SDWFR-XBCR at some point in the future, I do not feel I should be forced to file it now as a remedy to my situation. 

I spoke with agents XXXX, XXXX, and XXXX at FedLoan Servicing during multiple calls on the evening of XX/XX/XXXX. I spoke with XXXX and XXXX at the National Student Aid Information Center on multiple calls on the evening of XX/XX/XXXX. At the XXXX XXXX XXXX, I spoke with XXXX in enrollment verifications, XXXX in deferments, and their manager XXXX at approx. XXXX EDT on XX/XX/XXXX. A response from XXXX via email is also attached to this complaint. 

I do not find the current remedies to be acceptable and feel I am being punished because someone else messed up data on me that I am unable to fix. Please help me fix this.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (CA)

One XX/XX/19 Rise Credit sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with XXXX   and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint is continued from my previous complaints. I included the police report I filed because I forgot to list it in the other complaints. listed below are the complaint numbers from cfpb : Complaint # XXXX Complaint # XXXX Complaint # XXXX
Consumer complaint received 2022-08-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: FINEX Group LLC (NJ)

this company predators Lending to small business running small business due to the need of cash flow Fenix XXXX XXXX. Take the small business their daily cash sale come through the credit card the is the way they estimate for collect from the bank account MONDAY through Friday if is a holiday on next payment withdraw double collect payment same day it is so hard for small business to handled that daily. I had a small balance of XXXX they repossess my bank account and credit card processing and XXXX and business account attacking with attorney to appointment that refuse to settle to a reasonable amount that company tried so hard negotiate for them since this loans aren't regulated by Banking this company Fenix capital predators lender. 
I have included another lender XXXX XXXX predators lending too
Consumer complaint received 2021-08-31
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. (NY)

I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXXXXXX ; Account # XXXXXXXX XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX
Consumer complaint received 2021-09-16
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: ALLY FINANCIAL INC. (NC)

I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-09-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

https : //www.loandepot.com NMLS # XXXX -NMLS Consumer Access XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX x XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX UNSOLICTATED JUNK MAIL USING MY PERSONAL INFORMATION This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. A misleading mail with no address, except in small letters hard to find. 

How this company got my information, what gives the right to this company to use my name and address. 
This company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the XXXX. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company associated with this company, not to use my name. I'm a XXXX, I'm a XXXX  veteran and also I'm a senior citizen being target by this junk unsolicited mail. ) just because I, m a veteran who served our country ) I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

About three weeks ago, I reported a fraudulent transaction. I never heard back. When I called them today, XX/XX/21 around 4:15-430pm XXXX time, the male ( possibly XXXX rep ) told me Wells Fargo could do nothing because a XXXX party initiated the fraudulent transaction. 

When I asked to speak to a supervisor, the rep who was upset. Then he proceeded to put me in a queue for regular/normal Wells Fargo XXXX XXXX This caused me to wait another 10-15 mins. When someone finally picked up, again, they put me thru to Claims so I could be on hold again. 

But basically, there's a fraudulent transaction that Wells Fargo refuses to do anything about.