davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Carrington is making things difficult for me about an insurance check for the repairs on my house. The check is made to me first and then Carrington. XXXX is real rude toward me she disconnects the phone during business hours she is very unprofessional. They want to keep the money for themselves and do as they please with it. While I need to fix the repairs. They want to put the money and they decided when to give me the money. I was lied to by this one Carrington employee when this woman e-mailed me an information packet. I paid {$39.00} to overnight the check now they refuse to sign it and have mailed the check back. XXXX refuses to speak to me being a brat and very unprofessional.. Then she thinks she is going to sick a male on me. To bully me. She is handling this but refuses to speak with me. 

I am being abused and discriminated against because I am a single widow female who isn't married & they think that they can treat me like garbage.
Consumer complaint received 2021-11-04
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. (MI)

The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
1. XXXX XXXX XX/XX/XXXX response to CFPB ( page 13 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 10 of the attached doc ( p. XXXX of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) XXXX was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 19 - 20 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX. 

The situation that transpired is one in which XXXX XXXX failure to properly process deferments and forbearances, and subsequent failures in adjusting statement generation, and billing schedules led to the following harm : 1. Invalid derogatory CO status for XXXX, because invalid processing of forbearance and subsequent deferment resulted in billing and accounting irregularities from XXXX XX/XX/XXXX thru present from, progressing from initial thirty ( 30 ), to ninety ( 90 ), to one-hundred twenty ( 100 ) etc., until the account was charged off without me ever receiving a single bill for periods of deferment, and without receiving revised bills when the disaster forbearance was retroactively applied on or around XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

capitol One quick silver card, i have NEVER MISSED A PAYMENT EVEN PAID IT OFF ONCE, XXXX XXXX  AND OUT OF A JOB, STILL MANAGE TO PAY MINIMUM PYMENT DUE ON TIME, BUT THE INTEREST RATE CAPITOL ONE CHARGES OF INTEREST IS XXXX A MONTH INSANITY! HOW IS A CONSUMER SUPPOSE TO TO LOWER BALANCE WHEN THEIR PAYMENTS ARE MADE ON TIME EVERY MONTH!!! 

AND EVERYTIME I CALL CUSTOMER SERVICE, I GET CONNECTED TO OUTSOURCED AREAS SUCH AS XXXX AND XXXX XXXX AND THEY DON'T SPEAK XXXX WELL AND MAKES IT DIFFICULT TO UNDERSTAND WHEN DISCUSSING ISSUES ON CREDIT CARD!!! 

CAPITOL ONE CHARGES YOU SUCH HIGH INTEREST AND DONT ALLOW BALANCE TO COME DOWN ON PURPOSE! THATS HOW THEY MAKE MONEY!! THAT IS RIPPING OFF LOYAL CONSUMERS
Consumer complaint received 2021-11-05
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. (NY)

1. XXXX is fraudulently reporting inaccurate information and duplicating exact accounts numbers and reporting that accounts are pass due when they are paid and current. Accounts : XXXX XXXX XXXX not late or missed payment this account is paid in full and closed. This XXXX XXXX XXXX is listed multiple times. XXXX XXXX same account listed multiple timesXXXX XXXX XXXX account listed multiple times. This is a revolving weekly account its never late. XXXX XXXX XXXX XXXX so closed and paid in full. Why is it listed as a missed payment and late. XXXX  XXXX account is open and never late. 
2. XXXX is reporting using old accounts and reporting them as new. This is an on going problem and its discriminatory as iam a person of XXXX and these practices XXXX is unfair and hinders my opportunity for financial help because the accounts are not being updated and old accounts are recycled for the credit bureaus and credit services to keep billing and getting paid meanwhile my credit profile is not going in a positive direction because XXXX is not updating accurately. Iam making an honest attempt through cfbs to help correct this problem as I will have no other record but to seek legal action if XXXX does not correct this matter in 30 days.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I incorrectly disputed a credit card charge from XXXX XXXX  XXXXs aka XXXX in XX/XX/2021. On realization it was my mistake, I contacted my credit card company in XXXX to release the payment. Unfortunately, this release was not processed until XX/XX/2021, and XXXX received payment according to the credit card statement on XX/XX/2021. 

On XX/XX/2021 I received a notice from a debt collection company called McCarthy , Burgess & Wolff, address The MB & W Building, XXXX XXXX XXXX, XXXX, Ohio XXXX. I contacted them by telephone on XX/XX/2021 about XXXX, and told them that the invoice had been paid. I emailed to their customer services email address with proof of payment shortly after speaking to a representative. I also sent to both XXXX  and MB & W a  letter stating I disputed the debt as it had been paid, and provided a copy of the payment from my credit card statement. On XX/XX/2021, I received another letter from MB & W saying that the debt was due. I called them the next day and spoke to their customer services. They informed me that the account was " closed '', indicating that it had been settled. 

This morning, XX/XX/2021, I received a call from XXXX XXXX XXXX saying I owed payment. I told them that I did not. They did not provide any evidence that the debt was due.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates, LLC is attempting to collect on 2 debt that are not owed and are a result of identity theft. I have attached the FTC identity theft report and fraud report to this as well. Further, they have violated US Code under the Fait Debt Collection Practices 15 USC 1692d ( 2 ), which the damages are not to exceed {$1000.00} ; and Under 18 USC 1028 ( a ) ( 1 ) ( 2 ) and there is not limit to actual damages for the violation of this crime.

I have attached documentation as a formal statement from the FTC. These penalties are per attempt
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.
Consumer complaint received 2021-07-13
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: General Motors Financial Company, Inc. (PA)

The following company has a hard inquiry on my XXXX XXXX  and XXXX Credit Reports but was unauthorized. I have no knowledge if the inquiry that reported on XX/XX/2020. The company has been contacted but has not resolved the issue. Below is the company details : GM Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2021-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

I was XXXX XXXX XXXX XXXX XXXX  XXXX, went to the hospital, gave all of my health insurance info to several employees, I'm insured with Veterans Administration. I received a letter in some time later ( not sure of date maybe in XXXX  sometime ) saying bill had not been paid, I ignored it thinking VA just is slow in processing payment. I received a collections letter from Collection Services of Athens in XXXX, phoned Collection Co. XXXX and spoke with XXXX, advising I have VA insurance and gave that to everyone at time of service. I advised my last name has a " XXXX '' listed and due to them not correctly submitting form that may be why VA hasn't paid. They resubmitted, VA denied payment because over 6 months had passed and VA, in denial letter, advised " patient is not responsible ''. Collection company continue to call me, I advised I have insurance that covers this, had they filed properly and timely this would have been paid. All of the other providers were paid and they would have been too IF they filed properly. They didn't and now they want me to pay something that I never would have owed had they filed proper paperwork. They have also put this on my credit which negatively impacts me for their mistake.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a promotion offer from Walmart/Capital one for a Walmart store credit card which stated 5 % rewards back for in-store purchases for one year, I was approved and they said it was available for use on the Walmart app to use in-store immediately, I used the app to purchase groceries at my local Walmart and received 5 % rewards back starting XX/XX/2021, for several purchases, then on XX/XX/2021 they lowered it to 2 % rewards back. I called to ask why and the said you have to use the app to get the 5 %, and the reason it went down to 2 % was because I used the card and not the app, I explained that the promotion i received clearly states the I'll receive 5 % rewards back when I use my card in-store, its says nothing about in app only. ( see attached screen shot of the promotion )
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: United Consumer Finance, Inc. (MA)

On XX/XX/2019, I signed a loan for {$6400.00}. The plan was to pay {$200.00} a month for 46 months and end up paying {$9400.00} altogether ( including interest ). I didnt want pay so much in interest, so I decided I would make larger payments. To date, Ive paid {$7000.00} ( including interest ) and its only been two years. I believe that Ive been overcharged in interest and that United Consumer Finance is not adhering to the contract.
Consumer complaint received 2021-11-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I contacted Bank of America on XX/XX/XXXX to continue with my forbearance as I received a letter from the bank for me to call whether I will continue or not. 
The representative requested for me to call back on the 1st week of XXXX as it was too early to request the 2nd forbearance. 
I contacted BOA on XX/XX/XXXX, I was informed by their representative that my mortgage was sold to a new servicer. When I asked the representative as to why I was not notified of this change, she informed me that there was a letter sent out on XX/XX/XXXX ( after I asked for continuation of forbearance ) stating that I have a new servicer. 
I asked the rep as to why on XX/XX/XXXX call the other rep did not inform me of this change, she had no answer. Also apologized that I did not get a letter. 
I received a loan modification forms stating that I have applied and requested which is not correct. I have not applied for a loan modification. 
I contacted the new servicer, they can't help me as I was informed and was requested to call back BOA. 

I called BOA on XXXX, informed that they can't help me. 

I requested to talk to a manager, who informed me that they don't do forbearance any longer and apologized for the confusion. 

I requested compliance line to file a complaint with BOA, i was told that I could only file the complaint with them. I filed complaint. 

I do feel that BOA is retaliating against homeowners utilizing their rights when needed, and selling the loans to different providers due to fear of losing money. 

The lack of transparency and dishonest practices, I feel like my rights are violated. I was flagged utilizing my very right, and was retaliated against due to insisting on practicing my rights.
Consumer complaint received 2021-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In late XXXX of this year, I made an in person purchase at a retail store in California. I note that I'm in California because we have strict consumer protection laws. Including that should a merchant limit returns to less than 7 days, that their return policy must be on signs posted at the entrance and every cash register ( California Civil Code section 1723 ). Should they not post those signs I'm entitled to a full refund within 30 days. This store 's return policy was items must be returned within 5 days for store credit only. They did and do not have those signs posted and refused to accept my return ( which was approximately 2 days after I had made the purchase ). So I disputed the charge with my bank and informed them of exactly this. They have sided with the merchant who has violated state law and denied my claim.
Consumer complaint received 2021-11-04
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (TN)

I am writing this complaint because I am not comfortable with the way I am being handled as a consumer and a Natural person. Per my request to Santander Consumer USA I advised them in writing that I was mislead and mistreated on the day I purchased my dream car with a out of state dealership. I notified Santander in writing and sent the notice by certified mail which was signed for ; expressing my concerns with their company. The contract took effect on XX/XX/2021 and I have been struggling with this complaint since! I spoke with a representative due to a returned XXXX on XX/XX/2021 a whole month later! She advised me that she was going to escalate my complaint to the executive office and someone will be in touch with me. I received a call today XX/XX/2021 by a person in the executive office which he asked me to restate my concerns that were in the letter. As I was already frustrated by speaking with the rep before him and already voicing my concerns and demands I went ahead and repeatedly advised him of the laws, violations and issues that I had with the company. The laws that Santander is in violation of is 15 USC 1662 Which states No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified down payment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. When this vehicle was advertised for sale there was no advertisement of a down payment, the down payment that was put down on the car was what the finance company forced me to place a down payment before taking possession of the vehicle. The rep advised me this was NOT against the law which is incorrect!

15 USC 1605 states that at the time of purchase a client 's liability insurance must be added in with the car price and finance charges, this did NOT take place either because I pay monthly for my car insurance which includes liability coverage and collision coverage which was required before I left the dealership with the vehicle I was purchasing.

At this point I am escalating this to CFPB due to illegal practices with this company and since a right to rescind was also not provided to me in writing or verbally I am demanding this contract to be null and void.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (MA)

Keycorp/Keybank-Joint checkinXXXX account. 


On two instances funds were withdrawn from a joint account held by my XXXX - XXXX XXXX and me- XXXX XXXX. Funds were withdrawn via an e-check to a XXXX  compay. 
First Incident - My XXXX had XXXX  away XX/XX/XXXX and the first e-check was withdrawn XXXX XXXX XXXX. This account was her primary account into which her Social Security deposts were made directly. I only discovered the fraudulent check in XX/XX/XXXX while preparing my XXXX 's taxes. Due to onging Covid shutdowns and restrictions it was difficult to get clear instructions on filing a dispute and finally a meeting face to face with the Branch Manager-XXXX XXXX XXXX XX/XX/XXXX. Considerable time was spent on the phone with the Fraud and DIsputes dept to file the correct paperwork. Please refer to the attached file that further details the first dispute, follow up contacts, then ultimately the second dispute initiated XX/XX/XXXX for another e-check withdrawn from the account. 
Futher- the account was supposed to be flagged/locked against any withdrawals or debits. 
SSA continued to make direct deposits into the account, even though efforts have been made to re-submit my XXXX XXXX XXXX. They will want the money paid into the account back. That would include the total amount withdrawn by the fraudulent checks. 
I have been treated more like the criminal than the victim thoughout this issue.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

Hello, On Wednesday, XX/XX/XXXX I began receiving repeated calls ( at least 4 ) to my personal phone number with an automated message which is as follows ; This message is intended for ****. We've been retained to process and facilitate a civil complaint. Which means you as responded. It is protocol to locate you, either your place of employment or your residence in order for you to be served prior to our client taking legal action. We are attempting to contact you first directly in order to give your statement of descent through mediation. Please contact the mediation department at ( XXXX ) XXXX XXXX. Otherwise, we'll have to list it as a direct receivable. And you'll be notified to appear. This is your official notification. 

I returned the call the same day, no answer, no company name, no option to get to different departments. 

They called again on Thursday, XX/XX/XXXX and I answered. The caller identified me by First/Last Name and last 4 of my Social Security Number . They recounted an old credit card through HSBC ( no account number ) that they state was closed off in 2016, I do not have a credit card closed in 2016, nor do I have any charged-off, or in-collection credit card debt. 

The caller stated that I would be served to appear in XXXX County Court and would provide no information, including account number, or even their full company name, the caller only answered the phone with " XXXX ''. These are the numbers they called from ; XXXX XXXX
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions. (TX)

XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. XX/XX/2021, XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 the calls are always at least 3xs per day and from XXXX. I've attempted to set up a payment with them but I'm not working so I couldn't and after that told them to please not call anymore they continue to call and harass me constantly