davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I spoke with one of Transunion 's representative and they would not help and take care of negative inquiries reporting to my credit report, that I had no knowledge of the list of inquires I requested to be deleted were : XXXX  XXXX  XXXX  - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX  -XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX
Consumer complaint received 2020-04-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (LA)

On yesterday XX/XX/XXXX I received a notification from the credit bureaus for a collections of {$1500.00} from a company XXXX. Ive never applied or had an account with this company. I immediately called and informed Midwest Recovery Systems. They informed me that this loan was taken out in XXXX and theyre now just placing in collections in XXXX! Midwest Recovery Systems has never contacted me by mail or telephone. I do have a threatening letter in my SPAM email from such company in XXXX stating I will be going to jail and being sued. Ive never been sued by XXXX. They also said they would be contacting the FBI and my job. This is not my account and furthermore its over the statue of limitations. Threatening and or intimidation is also against the law ESPECIALLY on an account that never belonged to me!
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd (MI)

Nationwide recovery systems at XXXX XXXX XXXX XXXX XXXX, Tx has put a duplicate collection on my credit report 3 times. The date " opened '' has changed each time but the original creditor and amount owed remain the same. Each month if the amount is not paid then each duplicate debt shows up as a late payment. That means this debt is showing up late in triplicate every month. I have paid the debt with the original creditor but the three marks remain. This seems to be highly fradulent! 

The original creditor is XXXX XXXX XXXX My credit report lists that nationwide opened this account on : XX/XX/19, XX/XX/19 and XX/XX/19. In the amount of {$140.00}
Consumer complaint received 2020-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I would like to submit complaint of misleading financial information by FedLoan Servicing. 

On XX/XX/XXXX I contacted FedLoan Servicing due to confusion regarding balance after I made a large payments. For the past year I have been paying minimum monthly payment. While I was making my minimum payments I reviewed my billings statement and had created my own accounting sheet. Per my own accounting, I estimated after 30 days, my loans would accrue around {$550.00} in interest. My monthly direct payment was set at {$560.00}. When I reviewed my monthly statements, I did take note that a number of my loans only had interest being paid, where few had principle being paid. I also took note of my " Total paid '' statement of interest satisfied and principle satisfied. During this time it appeared to me that I was essentially paying the interest on each of my loans and a very small portion was going to principle ( of note, this was my lowest interest loan ). 

So, it was a big surprise to me that when I made a large payment on XX/XX/XXXX and XX/XX/XXXX of XXXX, and learned there was an outstanding interest due on multiple loans. After hours of review, I was informed that many of my loans did not have their monthly interest satisfied and were in fact growing every month. I was informed that the minimum payment due did not account for different in interest on each loan. Amount due on one loan did not influence amount due on another loan. So, while my bill shows that principle is being paid on some loans, it does not show when interest is not completely being paid off on other loans. We then reviewed daily accrual for each of my loans, and then I was instructed to do the math on my own to determine how much interest was not being satisfied every month. I did request for this to be provided to me, but they were not able to provide me with such information. 

I would also like to note that during this call, Public Student Loan Forgiveness program was brought up. While I appreciate being informed and reviewing the program, I did feel I was being told to not worry about the above issue, because in the end, its going to be forgiven anyway. While I can appreciate any suggestions and guidance in paying off my student loans, I dont feel it is appropriate to suggest depending on a program that is not guaranteed and has multiple stringent circumstances over a 10 year period. 

In summary, I feel that current billing statement and online interfaces do not easily and clearly show when loans are growing, ie accrued interest is not being paid off with minimum payments. While there are many different payment methods, it should be clear to a borrower when a monthly payments is not going to be enough to satisfy accruing interest.
Consumer complaint received 2020-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

To : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Case # XXXX Capital One is asking that Customer provide this # 8 of 10 pieces of documentation to support Customers complaint that Merchant delivered defective services to Customer. 
# 8. A 2nd opinion on company letterhead from another merchant in the same field that states how the service was defective : Customer responded to Capital one as follows : a. Item # 8 is unusual request i. A 2nd opinion on company letterhead will require additional time and money than the short fuse Capital One offered.

ii. Customer has requested the Consumer Financial Protection Bureau weigh in on whether item # 8 is reasonable or burdensome and not relevant as it basically requires one professional to rat out another. 
iii. Furthermore, Capital One has a General Counsels office. Capital One, XXXX XXXX  XXXX  XXXX, XXXX, VA XXXX Attn : Mr. XXXX XXXX XXXX, General Counsel Capital One has received now two ( 2 ) packages from Customer with supporting documentation.
Consumer complaint received 2020-04-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Jersey Mortgage Company of New Jersey, Inc. (NJ)

My mother applied for a mortgage with Jersey Mortgage Company. The mortgage broker XXXX XXXX contacted me asking if I would consider being a co-applicant with my mother on her mortgage. I explained to XXXX XXXX I have a XXXX credit score and XXXX in student debt and I do not feel comfortable assuming more debt. XXXX XXXX continue to call me at work assuring me he would only run my credit for informational purposes to give me an understanding of what I could possibly qualify for. 
Somehow the mortgage was issued under my name and I received a phone call from XXXX XXXX agency in XXXX New Jersey. 
The employee asked me to meet her in XXXX XXXX XXXX  to sign mortgage closing documents. This sounded very absurd to me considering I never agreed to be a co-applicant on my mothers mortgage. I have been unsuccessful at disputing this error with the credit bureaus. I am requesting immediate deletion of this error made by the mortgage company. Please check payments made on this mortgage account which were paid by my mother XXXX XXXX the sole owner of this mortgage.
Consumer complaint received 2020-04-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SC)

XX/XX/XXXX - I received a delinquent tax notice from XXXX County ( SC ). I immediately called Amerihome Mortgage company and spoke to XXXX XXXX XXXX XXXX. She told me to send the tax notice to XXXX ( do they need a entire department because they forget to pay people 's taxes a lot? ). She said they would get it done. 
XX/XX/XXXX - Logged into mortgage web site to ensure taxes were paid. The taxes were not paid and this " company '' decided to refund almost my entire escrow. The date of the " refund '' was XX/XX/XXXX. I have not received a refund check as of the date of this complaint - XX/XX/XXXX. I called again and spoke to A -- -- a -she said they refunded my escrow because I am XXXX XXXX  XXXX. I am not XXXX XXXX XXXX. Now my taxes are not paid and my house will be put up for auction if they are paid SOON! I then called XXXX county Auditor and the VA to ensure they did not send something to Amerihome. The Auditor and the VA both told me they did send anything the Amerihome. 
XX/XX/XXXX - Called Amerihome back and spoke to XXXX XXXX XXXX XXXX she said the account didn't say I was XXXX and she would contact the delinquent tax department and get everything straightened out. I asked to have a supervisor call me also. NOTHING has happened and a I was never contacted by a supervisor. 
XX/XX/XXXX - Checked Amerihome web site again - nothing has been done. I still do not have a check for a refund - where is the money? I put in a request on the web site for them to do their job. Nothing ... 
XX/XX/XXXX - checked Amerihome web site again and nothing has been done. Called and spoke to XXXX, she said the account showed me XXXX XXXX XXXX. I explained I am not XXXX XXXX XXXX and she said I needed to contact the County - I explained I already Had! I told her the taxes needed to be paid immediately. Now the penalties are adding up. I l also discovered the tax number was incorrect on their end. Who doesn't even know the tax number of the property they lent money on? XXXX XXXX XXXX  said the taxes would be paid by Monday XX/XX/XXXX. I will be checking on Monday and calling again to get a different answer I'm sure. I still have not seen a check- I asked XXXX if they could simply stop payment on the check and have supervisor call me - we'll see. Every time I call I get a different answer. My families home is in jeopardy because these people either don't care or are incompetent. This is unacceptable and I hope you can help me save my home.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I was notified that a direct deposit was sent to my account ending in XXXX on XX/XX/XXXX. To-date the direct deposit still has not posted to my account. When I contacted the bank they said they had no record of the transaction. Theyve continued to bill my account for service fees because of the low balance which is a direct result of theyre not posting my direct deposit. As a result all of my accounts are negative.
Consumer complaint received 2020-04-24
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

USAA reported 30days late XXXX because their representative told me the wrong payment amount, short XXXX. USAA won't budge even though it was a bank error. I also had late payments in early XXXX on 3 accounts due to terminally ill father 's medical bills. Accounts have been paid in full.
Consumer complaint received 2020-04-24
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. (UT)

I have been notified by my mortgage broker of multiple accounts that are harming my credit. After carefully reviewing the accounts I have come to the conclusion that I have been a victim of identity theft. I have always heard of these horror stories and never thought it can happen to me until now. This is a complete nightmare because who knows what else these people have done with my information and it is just nerve wrecking. Please tell me what I need to do to get this stuff corrected and cleared so I can get my life back. Thank you very much in advance.
Consumer complaint received 2020-04-24
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. (UT)

I have been notified by my mortgage broker of multiple accounts that are harming my credit. After carefully reviewing the accounts I have come to the conclusion that I have been a victim of identity theft. I have always heard of these horror stories and never thought it can happen to me until now. This is a complete nightmare because who knows what else these people have done with my information and it is just nerve wrecking. Please tell me what I need to do to get this stuff corrected and cleared so I can get my life back. Thank you very much in advance.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been trying to access my Capital One credit card online with no success. I phoned Capital One and, after about a half hour on hold, spoke with XXXX. He then transferred me to XXXX, after another time on hold. XXXX updated my phone number for Capital One to send a login code to, but am still not able to access my account online. I get the message " Let 's Get This Worked Out You may not see all your account features right now, but we're working on it. Try again in a bit, or give us a call at XXXX XXXX XXXX XXXX. '' So I called that phone number, and got a message that there is again a minimum of 30 minutes on hold.
Consumer complaint received 2020-04-24
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. (FL)

over several months, i have contacted the credit bureaus stating that i do not believe that i was late on any payments and asked them to provide me with proof. they have failed to do so and have only sent me generic responses from their E-Oscar system. no one is actually doing their job in what i'm asking them to do ( properly show me proof ). in addition, there are some other accounts that i have asked for to be investigated and have asked for proof of a binding agreement, and again, they have failed to do so.
Consumer complaint received 2019-11-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC. (MO)

ECMC is ruining my credit report and quality of life. I have been paying these student loans for years and Im paying currently $ XXXX monthly payments and they have and are still reporting Im late, delinquent with no payments monthly. I keep being denied a mortgage loan to support my family and Im paying on time automatic payments monthly. They are reporting false information as Ive been time and making faithful payments. They are affecting my well being and livelihood due to their reporting. I have all statements showing Ive been paying and on time. Please update so I can continue to provide a place for my family.
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (IL)

Please attached. This company is engaged is some outlandish accounting and credit reporting actions. They have reported me as being late, and most egregious, have been charging me late charges every month, even though I pay every month, per the receipt of my military XXXX compensation as originally agreed upon. My bank statements and their accounting 's are not in-line at all. They won't address the matter with me at all. Not over the phone, and have not sent me an accounting as they said they would. Instead they have stopped taking my phone calls all together. When I called previously, their agents would tell me that I have no account with them, even when I send them the account number from the bills that they send me however, when I call the same number, the automated system finds me easily to accept payment. The payment is presented as on-time when making it, but then reflects as late, with a late payment added, every month At this juncture, I simply want the CFPB aware of what this company does systematically.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

over several months, i have contacted the credit bureaus stating that i do not believe that i was late on any payments and asked them to provide me with proof. they have failed to do so and have only sent me generic responses from their E-Oscar system. no one is actually doing their job in what i'm asking them to do ( properly show me proof ). in addition, there are some other accounts that i have asked for to be investigated and have asked for proof of a binding agreement, and again, they have failed to do so.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have applied for a Hardship Loan Modification. XXXX XXXX and Select Portfolio Servicing handles the loan for XXXX XXXX. 

I believe FRAUD is involved here. 

I need a Loan Modification that reduces my Loan rate from 7 % Predatory Loan Yes, XXXX XXXX is redoing my loan and NOT reducing the loan Rate. 

I am going to have to write President Trump for this FRAUD. 

This is my 4th Complaint and Consumer Financial Protection Bureau DOES NOT HELP US! This is a worthless Process, since I am filing my SAME Problem for the 4th time.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC. (KS)

I opened an account with First Citizens. I used my credit card to fund the account. I used my debit card for a few transactions at XXXX and set up direct deposit. Then a month or so later, they randomly closed it on me citing XXXX. Nothing has changed on my XXXX report since I opened my account. I used my account for transactions as designed and they closed it making my debit card not work and locking me out of paying rent with it right when rent is supposed to be due. 

When I signed up, I signed up under a promo for a XXXX dollar bonus. They then closed the account after I met the conditions of the bonus. No doubt because they didn't want to pay the bonus. That's a good way to offer bonuses for accounts : you offer bonuses to attract customers, then those who meet the requirements you close their account so you don't have to pay out, and keep those that fail the requirements. Get free accounts without paying a cent. Very unethical.
Consumer complaint received 2020-04-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OK)

On XX/XX/2020 I was contacted by Quicken Loans regarding a VA Refinance Loan. I am a XXXX XXXX   XXXX FEMALE VETERAN with an XXXX XXXX. I also receive XXXX XXXX XXXXXXXX from Social Security ( SSDI  ). Employee XXXX XXXX asked me to fax documentation required for the process. I did, she informed me she received them. She said that she pulled my credit score & I did qualify for a VA Loan. I had poor communication with XXXX XXXX. On Sunday, XX/XX/2020 I received a Text Message at XXXX XXXX  asking if I was available to talk. I replied yes. After 10 minutes without a call I sent a text requesting a call back after XXXX. It never came. After leaving numerous voicemails and emails, I was contacted by a different employee, XXXX XXXX, on XX/XX/2020, informing me that she would be working with me. On XX/XX/2020 we discussed my loan & options. She notified me that she needed to run the numbers by her Financial Manager. Friday, XX/XX/2020 she informed me my credit score was too low. She said they require a score of XXXX & my score was XXXX. She said they had a program called Fresh Start that helps people in my situation. She said she would transfer me & then I was disconnected. I feel like QUICKEN LOANS disrespected me. I feel mistreated in regard to this loan. I was given no opportunity to work with them.
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (UT)

I bought my car 7 months ago from carhop. I've been caught up and timely in all my payments. I've had the engine replaced at XXXX miles which I feel is rather soon. Thinking the car was good after the replacement I went on a trip to the coast with my girlfriend dog. We had more problems its costs us nearly 3 grand, we took the car to XXXX XXXX XXXX XXXX XXXX and we found out our cv joints were stripped by the previous mechanic and our axel was cracked. we have photos and statements from XXXX XXXX. We fixed the cv and axel and headed home in the Nevada desert where we lost power we got towed to a town more out of pocket costs and we called carhop the mechanic we find says the alternator had given out car hop replaced the alternator then the car turns on but gas does not work now we are stranded in a small town in Nevada its day 3 the financial costs of all this has run us dry and we are looking at a XXXX dollar mother board part to the car and unsure how we will get home we feel carhop hires cheap mechanics. Give faulty cars to people, and charges far too much for them. We found out our car is only worth like XXXX  tops we've paid XXXX for it and still XXXX to go. We don't want this car we want our money back we've paid monthly and timely we don't want bad credit we saw this is happening to so many other people and believe that car hop is a scandalous company.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

I made an agreement with Discover card over 4 years ago to be put on a monthly payment plan which would allow me to pay off my balance within 2-3 years and still allow me to keep my account open. However, Discover closed my account without notifying me even though I had not missed any of the arranged payments in over a year. I continued making payments because they told me they suspended charging me any additional interest as long as minimum payments were made. It has now been 4 years and although I have paid over {$2400.00} to date, I found out today that my original balance of {$1900.00} has only gone down to {$1700.00}. 

This is the very definition of fraud and predatory lending practices and I would like to get assistance to have the debt reported accurately as paid in full.