davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (NY)

I had opened a card with XXXX a while back ( through XXXX XXXX XXXX  ) shortly after opening the card I lost my job and was unable to pay the debt of {$250.00} ( the limit was only {$300.00} ). I thought they had closed out the credit card since it was over my limit due to interest owed and I was not able to pay the minimum balance due since then. I did not receive any interim bills until I received a notice almost a year later that I owed {$900.00} and the card was closed and sent to collections. ( Which I thought had already been done a while ago ) It was my understanding that if the card was delinquent more than a certain number of months Usually around 3 to 6 months that they would close the card. When a card is closed the account is usually closed along with it in essence ending the relationship. when the relationship was discontinued the charges for the card should have been discontinued with it. I recently attempted to settle the debt with the company, Spring Oaks Capital, who acquired the debt from XXXX XXXX XXXX. The representative with whom I spoke would not reduce the amount owed to less than {$630.00} ( 6 payments of {$100.00} ). When I told the representative I could not afford that as it has been hard to get a job during the pandemic and have other debt that has accumulated, which I am currently attempting to settle, She offered me a settlement of 12 payments of {$70.00} which is the full amount of almost {$900.00}. When I told her that would not do as well she came back to me and told me if I paid the full amount on that date she could reduce it to {$640.00} ( which is more than her initial offer ). I feel that they are attempting to take advantage of the situation and fleece me for more money than I should be paying. Since I was unaware that the account was still open, and should not have been I was taken advantage of and the company is trying to collect about {$650.00} more than what I had initially owed to the company. this is unfair loan practices that is taking advantage of a consumers lack of knowledge of a situation. I am willing to pay what was owed and nothing more, however the representative was very uncooperative. I feel that the company was deceitful in allowing a delinquent account to rack up that much in fees before closing the card
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (CO)

I have a secondary account with Credit Karma banking.i have a checking and savings not even a year old. On XX/XX/2021 my account was frozen!! I had no Knowledge of this until I went to the grocery store that evening to use my card. There was no communication, no call, no text or email about this happening. I called them to complain and they gave no explanation as to why my account was frozen. The customer service person just told me they made a case and please send my questions to that email to get updated. They also said that they are currently working on it. Today is day 7!! Still no communication after ten plus emails and calls. I have no access to MY money for my kids, groceries or gas.. they are even declining my credit card payments that I got through them! I have over {$700.00} in fees from this and I don't think it's right! This can't be legal? They are a member of XXXX XXXX  and when I reached out to XXXX they just transfered me to credit Karma service.
Consumer complaint received 2021-10-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MS)

I would like to file a complaint against my mortgage company, Citizens One. I applied for a forebearance on XX/XX/XXXX and I was told the forebearance would end on XX/XX/XXXX. During this time I requested a loan modification in XX/XX/XXXX and I started making monthly payments towards my mortgage again. I have been making monthly payments for 10 months now and I have called Citizens One monthly to get an update on when my loan modification would be completed. I was not given answer and I was always told it would happen soon. Also, I have requested for a manager to call me so I could report my complaint and to get a definite date of when the loan modification will take place and I never received a call back. Recently, I called Citizens One on XX/XX/XXXX requesting a letter stating that my forebearance has ended and they have not sent me a letter. I have a FHA loan and I am trying to refinance my loan to take advantage of the low rates, but because Citizens One will not modify my loan I am stuck making higher payments. My goal is to get a FHA streamline refinance.
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO. (MI)

I was turning my lease in for a new lease and the dealership told me that they would cover the old lease payments because I was buying a new car. They did a lease pull ahead with me. Ford Motor Credit reported this late on XX/XX/2021. I have never been late on this account and this was not supposed to be marked as late as I turned the car back in and they told me that I was no longer responsible for the payments.
Consumer complaint received 2021-10-06
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)

I have reached out several times with attempts to get accounts on my credit that are not mine. I have reached out again to those companies and cant get anywhere. Some of the accounts did come off but there are some still remaining XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. I really need some help this because Im doing this on my own behalf. I have already reached out to the FTC and filed a complaint.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (GA)

I was charged {$12.00} for an account maintenance fee however Aspire re-opened my account after I filed my last Complaint because they closed my account in their error. My account was reopened however Aspire failed to actually activate my current credit card therefore I haven't had access to use the actual Aspire credit card for the last 30 days. I called and spoke with the CSR and she stated even though she sees that I didn't have access to the card for over 30 days she could not waive my {$12.00} account maintenance fee. 

I was also charge a {$60.00} annual fee however due to Aspire closing my card for over 60 days at no fault of my own. I have not continuedly had the account for the last 12 months again due to no fault of my own.
Consumer complaint received 2021-10-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and needs to remove right away : KIA MOTORS FINANCE-XXXXBalance {$8700.00} KIA MOTORS FINANCE-XXXXBalance {$12000.00}
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XXXX, XXXX XXXX, I received three ( 3 ) phone calls during the day/night. 
It was the same voice saying he was from Amazon with a charge for {$720.00} charged to my Amazon account. He asked me to get on my computer, which I did not do. I hung up on his call. 
From my phone, I have these details : Name of caller [ 'pfisher ' ] : XXXX XXXX His phone # showed XXXX. 

After this third call, I got on my desktop and called Amazon Customer Service/Security and talked to XXXX XXXX . 

Short recep : as of XXXX XXXX, my Amazon account is closed/locked/suspended. Today/XXXX XXXX, I received a new credit card from Chase.
Consumer complaint received 2021-10-06
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: Self Financial Inc. (WI)

In 2020 when i noticed this account on my credit report with XXXX i disputed but XXXX back then never removed it. because in the initial investigation self finical inc and XXXX XXXX couched up evidence to convince XXXX it was my account and that it wasn't identity theft or that it wasn't fraud and that indeed i wasn't a victim. 
now today after its still remains on my credit report i reach out to XXXX again in the midst of disputing other inquiries and charges i brought this on e up. they told me i have to get a letter of deletion from self financialXXXX XXXX in order for XXXX  to remove the regular inquiry that i dont recognize from my credit report. so I was hoping that cfpb could enforce that.
Consumer complaint received 2021-10-06
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. (NJ)

XXXX/XXXX  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/2020. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct ASAP.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hello I sent a letter XX/XX/2021 to Equifax regarding this account from XXXX XXXX XXXX. This account is being reporting inaccurately on all 3 bureaus so I requested an investigation from them. Equifax never opened up a dispute nor did their proper investigation. What they did do on XX/XX/2021 was change my payment history on this unverifiable account which dropped my score by 89 points. I have included the original letter along with the missed payments that were added to a charge off account. According to the FCRA this account must be DELETED if it can not be verified by the bureau. Thank you XXXX XXXX THIS IS MY SECOND COMPLAINT VERIFY THIS ACCOUNT OR DELETE IT IMMEDIATELY
Consumer complaint received 2021-10-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GVA Holdings, LLC (WI)

On Sunday, XX/XX/2021, I received an email from XXXX stating that my {$1500.00} loan had been approved. Within 3 minutes, I received a communication from XXXX stating that my personal information had been used to secure a short-term loan. I reported to XXXX that I did not apply for any such loan. I opened Case # XXXX with XXXX and then called TargetCashNow at the number provided in the email they sent me : XXXX. I spoke with a representative and learned that someone online used my date of birth, email address, and social security number to secure a {$1500.00} loan and is having the money sent out of the country. I tried to explain that this was fraud. The agent told me I needed to file a police report. I told her I have XXXX and they would handle it. Today, XX/XX/2021, I received an email from TargetCashNow demanding payment of {$260.00} by XX/XX/2021, or I would be assessed an additional fee. I called XXXX and together we called and spoke with a representative at Targetcashnow.com named XXXX. XXXX told me I MUST secure a police report for his company as it is the policy at their company. He told me that they did not issue the money to the person who applied in my name. I asked him why they are demanding payment from me and he could not answer me. He told me that the only way to resolve the matter was to secure an official report from law enforcement. I believe this is not my problem. I asked for compensation from TargetCashNow for my lost time from work and miledgae but was not offered anything other than if I wanted to fix this so it is not my responsibility, this is what I had to do. I would like this matter investigated as this company is violating my rights under FERPA. Thank you.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

frequent calls and text messages regarding well fargo financial account and a share holders meeting/vote. 

My number is on the do not call list. 

I have answered and asked them to remove me from their call list several times. 

The continue to harrass me. I get between 2-3 calls a day from the same number. Frequently the same woman, as I recognize her voice. 

Even when I begin telling them to remove me or not interested, they continue hounding me for my contact name and info.
Consumer complaint received 2021-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California (CA)

My name is XXXX XXXX XXXX and I have been the victim of fraud as a company has obtained my medical information illegally without HIPAA authorization, nor my written consent as a consumer to furnish this information to my consumer report. I have verbally and written them to cease and desist all efforts, and they have furnished this information. I have received multiple letters after submitting a cease and desist, as well as illustrating that they have received them and stating they do not need a HIPAA as they have a contract. They stated the FDCPA doesn't apply to them when they purchase a bill. Which is also illegal according to the FDCPA. 

Medical treatment is supposed to be private, so why is it showing on my credit report that I had a ride in a ambulance to the hospital on my public consumer report? 

Please see the attached items to see that I have been violated as a consumer.
Consumer complaint received 2021-10-05
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. (FL)

On XX/XX/2021 and XX/XX/XXXXI sent a letter regarding inaccurate and unknown things on my credit report. I have not yet received a response and its over 60 days. My disputes are being ignored and I feel power is being abused here. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these items be deleted immediately or I will seek litigation due to the XXXX it has caused. I was also affected directly by the Equifax data breach and my information was impacted and may have fell into the hands of the wrong person.
Consumer complaint received 2021-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Third party not involved, XXXX-present TransUnion have violated my rights by using my information and reporting my information without my written consent. This is a violation Pursuant to 15 U.S. Code 1681
Consumer complaint received 2021-10-05
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. (OR)

FRONTIER COMMUNICATION - Account closed and paid in full. They reported additional amount due. No contract and additional amounts incorrect. I tried multiple times to remove this debt from XX/XX/XXXX. 

It is now XX/XX/XXXX. THIS CAN NOT BE REPORTED ANY LONGER. NOT A VALID DEBT FOR REPORTING PURPOSES.
Consumer complaint received 2021-10-05
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: NAVY FEDERAL CREDIT UNION (IN)

I, XXXX XXXX, Am submitting this complain on my own behalf and there is no third party involved. 

I recently pulled my credit report and discovered that there is information that I do not wish Navy Federal to furnish as they already in violation of the Fair Credit Reporting Act. The FCRA states what shall be EXCLUDED from my consumer credit report. 15 USC 1681a ( 2 ) ( b ) states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. so According to Federal Law this account should not be on my credit report because it violates my federal rights and shall be removed immediately
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IA)

On XX/XX/2021 I sent a letter to JEFFERSON CAPITAL SYSTEMS. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-10-05
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: GOLDMAN SACHS BANK USA (CA)

Transaction date is XX/XX/21 for the amount of {$1200.00} dollars and merchant is XX/XX/XXXX 
The reason for this dispute is because i purchased an XXXX  XXXX XXXX XXXX and was received a XXXX  XXXX. I have tried to contact the merchant but they have a fake phone number online and numerus scam reports online. They do not reply to email as well as they only have robot replying. 
This has been the most ridiculous dispute I have ever had in my life. The first dispute was submitted back in XX/XX/21 and it was denied due to " merchant has proof that i have made the purchase '' I called back apple and told them I have NEVER ever said that it was a fraudulent purchase. They reopened the case and it was denied under the same reason, so is the third time, finally the fourth time they changed a reason. They denied the case again due to " merchant has provided a credit '' I called XXXX  again and the agent apologized to me and told me she just checked and no credit was provided by the merchant. She re-opened the case again. But i doubt this time it will be resolve so i have to complain here. 
It feels like whoever is working on the dispute just check whatever reason they want. They didnt investigate thoroughly. Even the agent i talked to that help me open the dispute told me she is sorry and she has heard so many people got scammed by XXXX. But I am not resolving at my end and losing so much money getting scam because Goldem Sachs bank for XXXX  can not protect me and they made decisions randomly. 
I have a good credit, barely report for dispute and yet this is first time happening to me.
Consumer complaint received 2021-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (NC)

The mortgage servicer, XXXX XXXX, is blocking a payoff. On their website it shows a balance due that includes the " second lien '' partial claim, and this is also shown on their statements. 
They refuse to show this on a payoff which leads me to believe that they do not want the customer to be able to pay them off. This also is an issue as it is a FDCPA and possibly a Reg X violation in terms of servicing the mortgage properly. 
In this case, the website shows a balance that includes the partial claim ( owned by HUD and serviced by Novad ). The statements show the same. The payoff does not. This leads to consumer lack of clarity on process and is not a correct display of information. XXXX XXXX shouldn't show the balance of the second in the total XXXX on their website and in their statements, but then choose not to do so on payoffs ( citing that the second is serviced by Novad and owned by HUD ). This seems like a scheme to continue to collect money while payoffs are delayed. 
Lastly, I see no notice in the workout package signed with XXXX attached that Novad would be servicing the second. This, indeed, is a workout package coordinated by XXXX and implies that XXXX ( now XXXX XXXX ) will continue to be involved in the second 's balance due. I received no notification from anyone related to servicing of the second until Novad provided a service transfer letter last week ( 4 weeks delayed into the payoff request process ). My selling and purchasing transactions are now in jeopardy as the payoff from Novad has not yet been supplied.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was notified by my bank of some suspicious transactions on XX/XX/21. There was 3 transactions. Two of the transactions were denied one went to processing. When it went thru I made another claim cause I figured something happen cause it went thru. which was closed for duplicate. I was notified on the XX/XX/21 was denied. I called the said it was filed wrong not under fraud. They filed it under fraud. On XX/XX/21 was denied again. I called they said cause the merchant provided email and phone number that did not match mine. They confirmed it wasn't my information said it would be closed and account credited with 24 hours. It was denied again. I called back and now they are saying since I made 2 claims about the same transaction. They pay the claim. That its my fault since I opened another. I made a mistake now I'm out the money. Claim number XXXX amount {$490.00} Now they say there's nothing they can do.