davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (IL)

XXXX for Discover Card in Iowa. This has been going on for several months. I explained the situation. I XXXX, have XXXX  and XXXX. Their conduct has been poor. The last day wasXX/XX/2020 I get called about about 8 times a day. I have had enough. I am under the ADA.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

There are 3 open collections showing on my credit report form 1st pt. I have never received notification of this debt. There have been no attempts to contact me at my address or phone number. The first knowledge of this debt is XX/XX/XXXX when it popped up on my credit file as 3 new collections in the amounts of {$48.00}, {$100.00} and {$130.00} all from XXXX XXXX XXXX. One of the are passed statute of limitations in the state of North Carolina. Also accounts are from XXXX and I have filed Chapter XXXX XX/XX/XXXX and all accounts were included. These accounts need to be removed from my credit file immediately as they are included in the BK.
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

I am a returning customer to Carhop UAC XXXX, MN. I leased a XXXX XXXX XXXX from them in XX/XX/XXXX. The car was having electrical problems all the time. I was always getting fuses. In XX/XX/XXXX, I started hearing cranking and dragging noises. After talking to XXXX, ex-mgr of the Carhop, I took my vehicle to a Carhop approved contracted auto repair shop. All of the brakes, brake lines, axle, wheel bearings, control arms, electrical/fuses problems, etc. was wrong with the car. I paid {$600.00} and XXXX paid the rest of the {$1300.00} repair bill. The car continued to breakdown. Once I was left on one of Minnesotas 's  busiest highways, close to the twin cities, during a snowstorm, with children in the car. If it weren't for MNDot, pushing my car off the road, I probably would've caused a terrible accident. The  mechanics contracted through Carhop said that I should've never leased this car. In XX/XX/XXXX, the same noises again. I believe the repairs were only partially done to kill the noises but we're not done completely. I was told by the owner of the repair shop, that after I paid another additional {$1300.00}, that I would be reimbursed by the repair shop or Carhop. After talking to the new manager of  Carhop, XXXX, I was told they would look into it. I have children I need my car. Plus the mechanics agreed with me, that this was duplicate repairs that were not done in XX/XX/XXXX. Carhop and the mechanic shop played the blame game against each other for months while I just waited making my car payments and constantly breaking down. In XX/XX/XXXX, same noises again. This time I realized that the driver side back brake line was sealed off. That brake line was clogged. And the inner brake pad was not there. The mechanics did not put a brake pad on the inner back driver side tire. The same mechanic wanted to charge me again, for duplicate repairs. I was never reimbursed my money from either companies and in XX/XX/XXXX, my vehicle was repossessed for non-payment of my car. From the time I received that car until it was repossessed, I have been spending money to keep that car together. Electrical issues were within the first month and I was told by Carhop 's mechanics that they were just fuses. Well if it was just fuses, XXXX and XXXX knows me pretty well. Now, all I get are rude, arrogant, unprofessional calls from Carhop UAC finance asking for the remaining balance on a car they illegally repossessed and threats of damage to my credit reports. I just received a call today, from XXXX. The district manager of Carhops in Minnesota. She was the worst. I can't wait til the hand that rocks the cradle hits this company, especially after everything that was done to XXXX XXXX.
Consumer complaint received 2020-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Hello, my loan was being serviced by XXXX but was transferred to NewRez ( Shellpoint ) as of XX/XX/2020. I made a full XX/XX/XXXX payment. I wanted to make a partial payment ; however, their site did not allow for the partial payment. I called and spoke with a young lady who told me to mail a check to a P.O. box and include the verbiage " partial payment '' on my check. I followed her instructions mailed the check on XX/XX/20. The check was applied as a principal only payment. I called again and spoke with a gentleman and he said he would reverse the payment, I called a 3rd time and the payment has not been corrected. I can see the transaction history showing where the payment has been applied and reversed ; however, it continues to be applied as a principal only payment. I am very concerned about this servicer 's practices, the misinformation given to consumers and I'm extremely concerned that my payment will not be applied correctly which could affect my credit history.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX US Department of Edu , XXXX XXXX XXXX are duplicated accounts. Duplication of same accounts is against the rules. The actual account belong to me has been rehabilitated and should reflect paid as agreed without delinquent history. 

XXXX XXXX this is not my accounts.
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (IL)

On XX/XX/XXXX, I reached out to XXXX XXXX and several other medical supply companies in-network for my insurance at the time attempting to purchase a XXXX pump. I told XXXX that I only wanted a XXXX pump if it would be fully covered by my insurance. On XX/XX/XXXX, XXXX XXXX from XXXX told me that my insurance had denied my claim. I was due to give birth in just two weeks, so I purchased a XXXX pump from another company. 

XXXX later sent me a XXXX pump without my approval or knowledge. They sent it along with a bill for {$40.00}, which was my co-insurance. I paid the {$40.00} and my insurance paid the rest of the bill. I already had a XXXX pump from the other company, but I figured I would keep this one and have one for work and one for home, and {$40.00} co-insurance would be reasonable. However, XXXX kept sending me a bill for {$40.00} per month, totaling {$240.00} over the course of 6 months for co-insurance. The total bill including the insurance amount was {$590.00}, a totally unreasonable amount for a device that should have been free with insurance. You can buy a XXXX pump on XXXX for around {$150.00} or even less with no insurance. When I realized this was a shady " rent to own '' scheme I had never agreed to, I asked to return the pump. However, XXXX refused and transferred a debt of " {$310.00}, '' which I never authorized, over to the National Recovery Agency. NRA has now incorrectly reported me as " past due '' for this item. 

I disputed this item on my credit report with Experian on XX/XX/XXXX, and included the email thread I had with XXXX. However, on XX/XX/XXXX, Experian closed my dispute in favor of NRA.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (KY)

XXXX day I tried to login to my Laurel Road account online and it said it had been locked. So i had called to see why and to try to fix it. They said I would have to create a whole new account and that the funds would be transferred over. I tried to do that and it didn't allow me to do so. I currently have XXXX  of dollars sitting in that account and can't do anything about it according to them. It's been since XX/XX/XXXX I have been unable to access this account and my money.
Consumer complaint received 2020-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

USAA Federal Savings Bank is not providing adequate documentation to validate that two separate accounts belong to me. I will be uploading the considerable correspondence that has occurred regarding : ( 1 ) an auto loan -- # XXXX ; and, ( 2 ) a credit card -- # XXXX. I am requesting your assistance because when I wrote to secure the copies of the agreements for these alleged debts and a payment history to verify the amounts owed, I received agreements which either had no signature or an electronic signature. USAA Federal Savings Bank claims that the information that they are reporting to the credit bureaus is accurate and has referred me to the credit bureaus for remediation. However, as you are no doubt aware, as long as USAA insists that their information is correct, the credit bureaus will not take into account the consumers point of view. I believe the CFPB has a responsibility to advocate on behalf of consumers who are victimized by creditors who refuse to provide true validation of account responsibilities.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Regional Management Corporation (TX)

XXXX XXXX The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me.

There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number.

A credit line I had just closed my account without giving me any explanations.
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. ()

I missed a payment with PHH and setup a payment plan after at least 4-5 calls with them. I had to go through a 20 min interview to get on the plan. I explained to them that I needed the due date to be closer to the end of the month and they said they would change it. 

When I call to make a payment, sometimes it goes through other times I am told the payment can not be processed and to speak to a representative This passed week, i called several times on Thursday, Friday and Saturday to make the payment. Thursday the line was on hold for over 40 mins so I had to hang up. Friday i was disconnected twice and told I could make the payment online. My account online was frozen so i couldn't make the payment.

I called today was on hold for 40 mins and the CSR refused to transfer me to a manager. I paid my usual amount but am not sure if the reported me as late or canceled my plan.
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (CA)

Wyndham Capital Mortgage is the company ... 
Going through a mortgage re-fi ... in the beginning ... I ask if their loans have any Points ... they tell me No point re-fi. 
XX/XX/XXXX I receive an email and in there it says " We do not charge any lender fees whatsoever! '' They ask what i think my home is worth ... .I am not the expert ... ... I " guess '' at {$710000.00}.

On XX/XX/XXXX I receive my Closing Disclosure Statement ... '' Loan Costs- % of Loan Amount Points ... is {$0.00} ... ... ... so this looks ok to me then on XX/XX/XXXX just a few days before closing I receive updated Closing Disclosure Statement and it now has under " Loan Costs- % of Loan Amount Points is {$1900.00}. 

When I ask about this they are telling me it is because I said my home was worth {$710000.00} and appraisal came in at {$680000.00} so i was basically being penalized ... .because my " guess '' at my home 's worth BEFORE appraisal was off so now I had to pay {$1900.00}. 
This was told to me at the very end while waiting for loan to close and I couldn't start this whole process over due to the time and I would have lost the lock-in rate and the {$480.00} I had already paid for an appraisal and feel this is a bait-and-switch technique they are using. 
I was NEVER EVER told that I would pay any $ $ if my appraisal did not come in at {$710000.00}. I was deceived and lied to by Wyndham Captial!
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

Last year, I checked mycredit report when applying for leaseing a car in XXXX XXXXand found that I had several credits card under my name that I had never applied for. Because I am a full-time housewife, I have little economic contact with the outside world, so I have not noticed. Upon inquiry, my ex-husband used my SSN to handle these CARDS without my consent. I first tried to communicate with the bank and applied for a report from the police, but the bank thought that the credit card had used the debit card in my name to repay, so I knew and enjoyed the benefits of the card, so I need to be responsible for the debt generated by this credit card and affect my personal credit. 
Here, I want to emphasize above all, as the credit card bank said the checking account that use to make payments for the credit card is under my name. But I want figure out that is a joint account, so that does not prove that I am the one who take action to make payments and I was awared that I have this credit card. Because the bank 's transaction records can't show whose credit card was paid. Most importantly, I did not apply for these credit CARDS myself, nor did I ask others to help with the application, which was caused by the lax approval of the bank 's own credit CARDS.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I've recently checked my credit report from Experian and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. The XXXX  XXXX XXXX ( Acc no : XXXX ) and XXXX XXXX ( Acc no : XXXX ) accounts were disputed and deleted in XX/XX/2019. However, Experian reinserted fraudulent accounts without notifying me.
Consumer complaint received 2020-02-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have been asking Porfolio Recovery Associates, LLC for validation of an account l noticed on my credit report and they have failed to do so. I have responses telling me that the account is valid along with attached documents, but nothing is showing this is my account. They are not sending me anything to validate my account. My first response was XX/XX/2019, which is over the 30 days given for validation. 

my account number is : XXXX Seller : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ( XXXX ) XXXX. 
Current Creditor : Portofolio Recovery Associates LLC Balance :  {$520.00}
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Additional investigation required. I opened a Capital One prepaid card to restore my credit. I paid {$99.00} to activate a {$200.00} credit card. 

I was going to the hospital for a bit and I called in to set up autopay. 

I was hospitalized for 3 months. 

When I got home I got my bill. I was surprised to see the bill was overdue. 

I called in and made a debit of {$160.00} to keep the account current. 

I was told by PHONE that my account would be ok. 

A week later I got a refund check in the mail and my account was closed.
Consumer complaint received 2020-02-04
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I began reporting unauthorized charges to USAA XX/XX/XXXX card XXXX. I was issued a new card, then three letters arrived XX/XX/XXXX see attatched letters. USAA coverted my fraud into disputes. Then XX/XX/XXXX ( a year later ) letter Claim Date of XX/XX/XXXX CREDIT CARD FRAUD CLAIMS LETTER amount {$470.00} UNAUTHORIZED CHARGES * CONFIRMED by USAA. USAA letters XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ALL SAY CREDIT CARD FRAUD CHARGE and if you still believe this to be fraud no action is needed on your part. We will continue to pursue your fraud. USAA has been made well aware of the MAIL FRAUD ALSO attatched letter NO DELIVERIES MADE AFTER XX/XX/XXXX Criminal Investion Letter USAA HAS NOT RESPONDED TO ANY FRAUD OR IDENINITY THEFT I REPORT TO THEM BEGINNING XX/XX/XXXX No proof anything was Delivered into my hands or that I. EVEN ORDERED IT. NO USAA PERMANET CREDITS WERE APPLIED TO BE FOUND USAA IS A ZERO LIABILITY BANK. ALSO I AM XXXX AND HAVE NO ACCESS TO MY CREDITCARD. USAA IS NOT ADA ACCESSIBLE.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

The Citi Double Cash credit card deceitfully has the " World Elite Mastercard '' logo prominently displayed on the back of the card, though it is not a World Elite card. World Elite Mastercards have additional benefits that standard Mastercards do not have. A list of benefits can be found at the link below, which includesCell Phone Protection in case a mobile phone is damaged. 

XXXX XXXX XXXX For years I have been paying our mobile phone bill every month using this credit card, as the card is supposed to be aWorld Elite Mastercard. On XX/XX/XXXX of 2019, the screen on my wife 's phone was damaged. I called Mastercard to file a claim for the screen to be repaired. Mastercard told me that the card is not aWorld Elite Mastercard. I explained that the card has the World Elite logo very prominently displayed on it. They told me that the matter would have to be taken up with Citibank, as Citibank isthe card issuer. I took up the matter with Citibank and spoke to a few representatives all of which agreed with my concern. Because of this, they escalated the matter multiple levels to their Executive Offices. On XX/XX/XXXX, XXXX, which can be reachedat phone number XXXX, advised me during a recorded conversation that this credit card was not aWorld Elite Mastercard. I asked why the card has the World Elite logo very prominently displayed on it, and he could not offer an explanation. I asked to have it escalated as this is bait and switch, and completely illegal. He told me that I have reached the top level of escalations and that the matter could not be further escalated. Repairing the screen costs {$350.00}, which XXXX said he would not have Citi cover as a courtesy. 

Again, the Citi Double Cash card has theWorld Elite Mastercard logo displayed prominently on it, though it is not aWorld Elite Mastercard. Even Citibank themselves acknowledged this on XX/XX/XXXX during a recorded conversation. Why are hundreds of thousands, maybe even millions of consumers, being deceived with these bait and switch tactics?
Consumer complaint received 2020-02-04
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. (AR)

There are multiple duplicated errors listed.Department Of XXXX, showing delinquent hsitory from over 7 years ago. The way that they are reporting is damaging my oppourtunitis to continue my education. 

XXXX XXXX XXXX is showing delinquent history over 7 years reporting. This account is paid as agreed. XXXX XXXX not mine, my account paid as agreed. 

XXXX XXXX XXXX is not mine belongs to my spouse. I don't recall signing this loan.