davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Time Investment Corporation (NC)

I took out a title loan on  XXXX / XXXX /  XXXX   with a company cal led Time Finance  located in  XXXX , NC. I ran into some financial hardships after completing  XXXX   XXXX   XXXX  , and was unable to find employment. As expected the company repossessed my vehicle. I have learned recently that they sold the vehicle at auction. When the loan was taken out they assigned a value to my vehicle that was more than the loan itself. With the repossession, I did n't fight it knowing that there was a balance owed that I was unsure would be paid. I assumed that the loan company could more than recoup its losses with the sale of the vehicle. I was not contacted to be notified of the sale, nor was there correspondence of the vehicle being repossessed. I just came out to find it gone. Later the agency reported to the credit bureaus that the account total was {$710.00} approximately. The entire loan amount was  XXXX  dollars, and at the point which payments stopped the balance was approximately  XXXX . The company, when contacted, told me that they sold the car for {$250.00} at auction, and that the actual balance on the loan was  XXXX  dollars. I fail to understand how they arrived at these figures, and feel that the company has taken advantage of me. They not only took a source of transportation without notice, but they left me unable to secure means to make good on the loan. My life was left in shambles, and now they essentially want me to pay the full balance on the loan, not including the damages and payment they 've already gained.
Consumer complaint received 2018-01-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

I DO NOT OWE ANY MONEY THEY ARE CLAIMING THAT I HAVE TO PAY XXXX XXXX XXXX XXXXUSD XXXXI DO NOT OWE ANY MONEY TO XXXX. ALL DUES HAVE BEEN SETTLED AND THEY NEVER ASKED ME TO PAY ANYTHING OUTSTANDINGTHIS IS A FALSE CLAIM TRYING TO RIP OFFTHIS COLLECTION COY IS XXXX XXXX XXXX XXXX XXXX , FLORIDA
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CT)

I have been with Chase credit cards for 34 years with an excellent credit history but I just recently received a letter from Chase decreasing my credit line. They claim my balances are too high compared to credit limits, which they were actually higher last year. I realize that Chase makes the rules and can change those rules at anytime, but it must be done lawfully. It is against the law to discriminate. I feel that they are discriminating against me because of my age. They have prematurely sent me a condolence letter a few years ago because they mistakenly thought I had passed away. Naturally, they will not admit they are discriminating against me, but I would like this to be on record because if they are discriminating against me, you can be assured they are doing this to other Chase customers. To bad there is n't a way to find that out. I called Chase and they re evaluated my situation a couple of times but refused to change their decision. Another underwriter from Chase was suppose to contact but never did.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

To Chase Executive Office : In the letter from Chase Bank ( Attached to this complaint ), you were mentioning the payment of {$800.00} that I used online payment on XX/XX/XXXX, was sent successfully to XXXX XXXX, and you even provided the trace number XXXX. 

I attached two letters from XXXX XXXX, dated XX/XX/XXXX, and XX/XX/XXXX. In both letters, XXXX XXXX XXXX, who is a customer XXXX XXXX team member from XXXX XXXX, indicated the trace number was not good enough ; he said that he needs Chase Bank to confirm the payment received by XXXX XXXX, which will conclude XXXX XXXX received the payment of {$800.00}. 

Also, XXXX XXXX XXXX requested that Chase Bank send the requested information to his attention at the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, Florida XXXX Please note I trusted Chase Bank with my financial too many years, and I hope that Chase Bank will work with XXXX XXXX XXXX from XXXX XXXX. 

Finally, Chase Bank can take care of this minor issue for a customer like me, who has always trusted Chase Bank. 
Please don't let me down, I attached one letter from Chase Bank and two letters from XXXX XXXX for your review. 

Thank you in advance. 

XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-04-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: McCalla Raymer Leibert Pierce, LLC (FL)

I was behind on my mortgage and called the mortgage company to make a payment on  X/XX/2017   . I was told at that point that I could not make a payment with them, but I needed to contact  XXXX ,  XXXX ,  XXXX ,  XXXX  regarding a reinstatement quote. I immediately called them and was told that I needed to send in writing that I was requesting a quote. I sent them an email on the same day  X/XX/2017   . I received an email back from them the same day stating that they could not find my account. I never heard back from them again until  X/X/17    when I was served with a summons for foreclosure. Again, I contacted the mortgage company and  XXXX  's office regarding the payments that needed to be made. I was told again to send an email requesting a reinstatement quote ( as it had to be in writing ). I sent the email on  X/X/17   , this time with no response. I followed up with the mortgage company about a week later, who stated that the lawyers office forwarded them the quote email and they replied back the same day with the total amount. I called  XXXX  's office on  two  separate occasions having to leave a message both times with no contact back. I finally sent my  3rd  reinstatement quote request on  X/XX/17    by email again. This time I received an email by the end of the day, with all fees and costs quoted, but with an deadline to pay by  X/XX/17   . They gave me a 4 day deadline to pay close to {$10000.00}, and this is AFTER I was already told twice by their company that I would have 30 days to pay reinstatement from the date that the quote was given to me. I feel that if  XXXX  's office has responded when I first sent the email back in  XXXX , or even the second email the beginning of  XXXX  there would be more time to resolve this issue as supposed to 3 days before I am supposed to respond to a foreclosure summons. I also feel that 4 days is an unreasonable amount of time to try to pay back fees, especially when I was already told twice that I would have 30 days.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (CA)

Note : This is NOT a duplicate of any previous complaint. 

It is the next logical complaint in the sequence created by Santander policy of claiming to respond to a complaint, while in fact failing to respond to the complaint, in violation of applicable law. 

The most recently discovered damage caused by Santander, inXX/XX/XXXX consists of {$90000.00} of additional mortgage loan costs caused by agency reporting of credit by Santander. Note that the accuracy and/or lack thereof of what is being reported is irrelevant, and not at issue. The only issue of relevance is the financial damage caused by such reporting. 

Additionally, by its own admission in its " response '' to the previously filed complaint, Santander has failed to report the as- agreed and timely payments for XXXX XXXX and XXXX XXXX as current and favorable in reporting of tradelines to agencies. This constitutes fraudulent solicitation of a payment on the part of Santander, as their customer login clearly reflected those amounts and due dates, and recorded them on those dates for those amounts in payment history.
Consumer complaint received 2017-06-20
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. (FL)

My automobile I had as a reported repo is more than 7 years old. I tried to receive paperwork confirmation on my original purchase, the company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX Every time I had contacted them they could not find my paperwork? Experian has acknowledge this account was verified and verification was provided. I will yield to the amount of the balance, I had argued this before, but gave up. However, I knew this was to drop off of my credit report at the end of XXXX - Now I am complaining about my credit rights. They can not provide me the paper work when this car was purchased or repossessed, now I am arguing they are avoiding my right of the credit statute of limitations. Maybe they can provide you with the information I have requested. Both Experian and XXXX XXXX XXXX XXXX is ignoring proper investigation, and the other no validation of my purchase signature page or repossession paper work with date and driver on duty to verify exact date - For this reason alone, the account should be removed in its entirety as of XXXX XXXX The information was taken from my Experian Credit Report- I have no further information about XXXX XXXX XXXX XXXX XXXX Maybe you will have better luck - I am trying to stimulate the economy but my low score of this matter keeps me from purchasing large items due greater finance charges. I may take legal action of XXXX XXXX if my new home and its interest rate will vary because of this issue. Maybe XXXX XXXX can pay the difference, since they are ignoring my requests. Thank you.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Critical Resolution Mediation LLC (MD)

I have a similar name as another individual and received a call from Critical Resolution Mediation located in  XXXX , GA. The representative was named  XXXX   XXXX . She asked me if I was the person she was looking for and I indicated that that my name is the same as someone else but the SSN does not match.  XXXX   XXXX  then proceeded to say " well you just said your was the individual '' and I answered " my name is the same but not the same SSN thus I am not that person ''. Well she then proceeded to represent herself as an attorney and called me a "   XXXX   XXXX   XXXX   '' and hung up. I proceeded to call her back and she indicated that " you will not get the last word '' and hung up on me again. I am concerned that this may be scammer trying to obtain information or a unscrupulous debt collector who resorts to name calling in order to intimidate people. This debt is not mine and representing yourself as an attorney when you are not is a threatening tactic. Please do something about these people as no one deserves to deal with a business that would use  racial  slurs to get their point across.
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONAL ASSET MORTGAGE, LLC (MO)

On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA : XXXX. XXXX 'S letter informed me that they had assigned my mortgage to National Asset Mortgage effective XXXX XXXX, XXXX. Also that the law required them to give me such notice at least 15 days before the effective closing date. Similarly the law requires the new servicer to give me/us the same notice. XXXX said they would cease servicing my mortgage effective XXXX XXXX, XXXX and that National Asset would begin servicing my mortgage effective XXXX XXXX, XXXX. As of this writing, I have n't received such notice from National Asset Mortgage.

I first phoned National Asset Mortgage at XXXX & XXXX. on Monday XXXX XXXX, XXXX and I spoke to XXXX who gave me XXXX of Customer Service at XXXX. I called seeking verification that they were now servicing my mortgage and if so to secure a new loan number and more critically that they are in fact the new servicer of my mortgage.. They could not find me in their system and asked that I call back Friday, XXXX XXXX, XXXX. I since called back at XXXX. XXXX XXXX, XXXX, XXXX. & XXXX XXXX XXXX, XXXX and they yet ca n't find me in their system. XXXX said that my payment due XXXX XXXX, XXXX is not late until XXXX XXXX. Then on yesterday, XXXX XXXX, XXXX XXXX of National Asset Mortgage phoned me asking me about my delinquent payments. Again I told him that it is critical that I have a loan number and even more critical that I have legally required notice from National Asset Mortgage stating that they are now the servicer of my mortgage. Please help!
Consumer complaint received 2017-04-20
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southern Auto Finance Co (TX)

from  XXXX  I have been asking  SAFO for  VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC. (FL)

I was summoned to court by Midland Credit for XXXX credit cards that I do not ever recall opening. My name is XXXX XXXX and the statement of the credit cards have XXXX XXXX. When I first went to court, they sent me home and then summoned me again regarding these cards of which I told them that they do not look familiar and that my legal name is XXXX XXXX. They told me to go home and submit a fraud inquiry if I wasn't sure those were my cards, that is what I am doing today.
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

This process began the second week of XX/XX/XXXX when my CURRENT mortgage holder contacted me and asked me if I would like to re-finance my loan. I spoke with XXXX XXXX at Caliber Home Loans and he can be reached at XXXX or XXXXXXXXXXXX XXXX turned me over to the loan processor below. 
Loan processor name : XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX and she can be reached at XXXX or XXXXXXXXXXXX XXXX XXXX has sent me letter asking me to get statements from my pension plans stating that they are guaranteed for the next 36 months. Apparently the underwriters were unable to understand the language of letter from my first pension plan ( XXXX XXXX XXXX XXXX ) so she contacted them and they sent me a new letter stating that I will receive this pension until myXX/XX/XXXX and I forwarded a copy to XXXX XXXX on XXXX/XXXX/XXXX. However, my second pension, XXXX is a XXXX pension and XXXX XXXX is asking for the same type of letter. XXXX can not guarantee that I will not break their compliance regulations and therefore can not send a letter guaranteeing that I will receive this pension continuously for the next 36 months. XXXX XXXX stated in her letter today that I could get a new letter from XXXX, so I did get that letter but it is the exact same language of a letter that she and the underwriters already have. She also stated that I could forward a copy of the XXXX handbook for the underwriters to read and then they would decide if this is sufficient for my re-finance. Again, this is my CURRENT MORTGAGE holder that I have been making timely payments to since they became my mortgage holder. I ca n't even believe that if I were a working individual ( not retired or XXXX ) that a mortgage company would require that my employer submit a guarantee letter stating that I have guaranteed employment for the next 36 months. No employer would put themselves in a position of guaranteeing employment for anyone for a future period of time. I believe that I was only asked to obtain these letters because I am over the age of XXXX and that I am XXXX. Please help me understand that this is a perfectly legal process for underwriters.
Consumer complaint received 2018-01-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (OH)

I took out a private student loan several years ago with XXXX XXXX XXXX for a little over $ 3K. I filed a chapter XXXX bankruptcy in XX/XX/XXXX ( estimated ). I was informed at that time to stop making payments on all accounts. I was only allowed to make payments via my trustee. XXXX XXXX XXXX was included in my bankruptcy. Sometime in XX/XX/XXXX - XXXX - sold/transferred my loan to Transworld Systems. I received NO communication on this. So when I converted my Ch XXXX to a Ch XXXX in XX/XX/XXXX - I didn't know that this had occurred until I received a notification from a XXXX XXXX XXXX about the student loan being in collections. I was NEVER given the opportunity to work out a payment plan with XXXX and they have put this information on my credit report as a collection account. I have been making $ XXXX monthly payments via XXXX XXXX XXXX, who doesn't report to the credit bureaus, however Transworld is reporting my account as a collection account. How is this legal? I was NEVER given an opportunity to pay this account with XXXX as they sold the account to Transworld AFTER I had filed bankruptcy. I DO NOT OWE Transworld anything! I should have been allowed to pay this debt to XXXX and they should not have filed this as delinquent while I was in a Chapter XXXX & Chapter XXXX - just to put a collection on my account after my bankruptcy was discharged. Can someone help me get this removed from my credit? I don't see how this process was legal.
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (IN)

I am being harassed by GLA Collections. appearently they bought a medical debt from a local hospital near my home. they are harassing me about this. I am on military XXXX  insurance and it seems the hospital mis-handled filing the paperwork correctly, and was unable to collect on the debt fully from XXXX. GLA collections bought the debt from the hospital and isillegally harassing me to collect on it. the hospital had previously wrote it off on their taxes, I feel I owe nothing to GLA, but they continue to harass me over it. GLA collections is known as a predatory collections company that uses threats and intimidation.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP (CT)

XXXX XXXX, XXXX, my account was hit with a {$57.00} charge from XXXX. The day prior I had taken out the remaining funds in my account because XXXX did n't reassure me that this issue of my account being compromised would be resolved. I just got my direct deposit from my bank in my account. The account was at a {$0.00}. When this charge got charged to my account it made my account - {$57.00}. They assured me that I would get the funds back so that I can use the funds myself. XXXX XXXX, XXXX, I got credits put on my account but did n't get the {$57.00} back the way they stated I was going to get it. I called XXXX and they proceeded to give me the runaround and even taken it step further and called XXXX Corporate Office to get the funds back to me so that I can utilize it.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I sent XXXX gbp to an online currency company called coinbase on the XXXX XXXX 2017. A few weeks later I still hadnt received the money in my online currency wallet so I emailed the company. They replied to say that they didnt accept GBP anymore, even though the option to trade on GBP is still on their app and website. This isnt a problem and I asked for my money to be sent back. They asked me to send a small payment of 6 with a SEPA payment to verify my bank account so they could return my money. The account was verified but I still havent had any correspondence about where my money is and when I can expect to get it back. Ive emailed their support team every day but they do not respond
Consumer complaint received 2018-01-05
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: Continental Finance Company, LLC (FL)

This company was opened fraudulently, and I have asked them to remove themselves and have not heard back from them they must delete this listing from my report ASAP ... ..or provide proof under section 609 that validate this debt, the account was not opened by me or does it belong to me
Consumer complaint received 2018-01-04
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 (TX)

XXXX client, XXXX XXXX is a victim of identity theft.  A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to Capital One/XXXX XXXX with his information that resulted in an inquiryXX/XX/XXXX; an official dispute of this information was sent certified mail to Capital One/XXXX XXXX XX/XX/XXXX however a review of credit report still lists this information which is a violation of consumer laws and the FCRA.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

XXXX have stated that my bankrupties/public records are accurate and verified through XXXX XXXX. XXXX XXXX have sent me a letter stating they are not a consumer reporting agency, l have no bankrupties/public records showing with them and that its accurate showing blank. XXXX is in violation and is reporting inaccurate information being my name and XXXX XXXX. Attached are receipts from certified copies sent to XXXX, a letter from XXXX XXXX, my bankruptcy record from XXXX XXXX, front copy of XXXX stating the information is reporting from XXXX XXXX.