davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-30
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. (SC)

My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : -  XXXX  thru   XXXX   XXXX   ; -  XXXX  thru   XXXX   XXXX  .     I have written to the lender many occasions and have not received a response.
Consumer complaint received 2017-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Brown and Joseph, Ltd (CA)

Brown and Joseph LTD. Keeps trying to collect a debt of XXXX dollars for XXXX. I never had this account, policy or collection. They have reported the collection to XXXX and it is affecting my credit report. I do not owe this money and this is not my account.
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Resurgent Capital Services L.P. (CA)

year:XX/XX/XXXX amount : {$2100.00} with Pinnacle LLC C/O resurgent capital service.
on that year I had checking Acct with XXXX XXXX XXXX. I deposit {$2000.00} check from I got from employer and 3days later I went to bank to confirm deposit and teller said cleared so I cashed out, while after I completed move out to other state. I did not contact from bank at all what happen. XX/XX/XXXXI went to XXXX XXXX XXXX XXXX and I found out I 'm not able to open checking account with check system record. So I called to XXXX XXXX XXXX acct department trying to know what happen, deposit was bounced. I asked, can I pay for it now for open acct? said, not sure because they issued XXXX to me and it does n't matter pay or not. I asked, so I can handle with IRS? said, yes. so I cleared with IRS last tax report. I did what ever they said but still they block to unable to open checking acct. I trying to pay back but bank wo n't accept and I paid for tax above amount. At this time I 'm getting so hard time to living without account. carrying cash for spend. I believed, someway to solved, just made painful and hard time is not the way of live as US citizen.
I really wish to way to solved this matter soon as possible.
Consumer complaint received 2017-04-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (WA)

NETSPEND WILL SLANDER YOUR NAME. They ca n't use the same verification process for everybody for whatever reason, and will allow ANYBODY to open an account under your identity without proof. They will then force you to claim ownership of anything made under your name, but due to discrimination, they will not allow you to gain access to information, submit fraud claims against problems, nor will they treat you with respect during customer service calls that you 'll have to place weekly for 7+ months before seeing ANY progress made. Do n't worry out of curiosity, even after all that, you 'll still leave with unsolved problems, Recently hired a lawyer to consult me through my problems with Identity theft and I 'm finally figuring out who was helping my name become compromised! Netspend has recently had to send multiple checks to me in order to refund MY money that was placed in their " bank '' with trust. It to over 7 months ( and weekly unsatisfactory phone calls ) to receive {$590.00} of my remaining balance after they decided that closing out accounts with money still in them, Lying MULTIPLE times of the whereabouts of MY money and treating me with utmost disrespect and condescending nature about fraudulent accounts opened under my name with no verification process would be easier than just doing what real banks do and VERIFYING IDENTITIES, I called to ask for information. Since I have been fighting Identity theft for quite some time now, I 've dealt with multiple companies, but Netspend was the first to know when I reported fraud before I even knew what was happening and yet, they seem too eager to hire inadequate employees who ca n't verify your information, but can allow an account to be opened without your knowledge, approval or authorization. They allowed FIVE accounts to be opened under variations of my name. Some of which, did n't even have an email address, but were pinned to my name and " verified '' with my STOLEN ssn. It 's crazy how little security goes into opening accounts, but they have all the security in the world to protect information used to commit fraud.
Consumer complaint received 2015-08-26
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO. (NY)

I would like to file a unfair business practice complaint against XXXX XXXX Ford, XXXX, XXXX, NY XXXX and Ford Motor Credit.They were so desperate to make a auto sale that they allowed my husband to sign a loan agreement, which included me on the loan. My husband never does any of our financial documents, as he is XXXX as to what he signs. I never stepped foot into that dealership, so therefore I never signed any loan document. I spoke to the owner and he was not helpful at all. I advised him that I wanted my name taken off the loan. I also informed Ford Motor Credit and they were of no help either. I would like to file a complaint against the dealership who allowed a person to sign a legal document in another persons name knowing that the other person was not there at the time.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2024 Subject : Dispute of Unauthorized Withdrawal from Checking Account and Forced Payment Dear XXXX XXXX XXXX, I am writing to formally dispute an unauthorized withdrawal that your company made from my checking account to pay a collection debt without my knowledge or consent. This withdrawal was related to a credit card bill, and I did not authorize any such transaction. 
This action is in direct violation of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., which requires explicit consumer authorization for any electronic fund transfers. Additionally, this practice constitutes an unfair and deceptive act under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692f, which prohibits unfair or unconscionable means to collect a debt, including unauthorized withdrawals from a consumer 's bank account. 
Furthermore, after you illegally withdrew funds from my account, I was forced to make a partial payment under duress to recover some of the debited amount. Subsequently, I received a letter from your company thanking me for making this payment. I want to be clear : this payment was not made voluntarily but was forced in an effort to mitigate the unauthorized debit to my account. Sending a letter of thanks for a coerced payment adds to the violation of both the FDCPA, 15 U.S.C. 1692d, which prohibits behavior that harasses or abuses consumers, and 15 U.S.C. 1692e, which prohibits deceptive practices in the collection of a debt.

I demand the following : 1. Immediate Refund : Refund the full amount of the unauthorized withdrawal from my checking account within 7 days.

2. Correction of Records : Correct any record that reflects this forced payment as voluntary.

3. Investigation and Documentation : Provide me with any documentation or proof of my explicit authorization for this transaction, which I maintain does not exist.

4. Cease Further Unlawful Actions : Stop any further unauthorized actions or attempts to collect funds in violation of federal law. 
If these issues are not resolved promptly, I will have no choice but to report these violations to the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and explore legal remedies for damages caused by these unlawful practices. 
Please confirm in writing that the matter has been resolved, the funds have been refunded, and corrective actions have been taken. 
Sincerely XXXX XXXX
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Specialized Loan Servicing Holdings LLC (CA)

Hello, I started a loan modification on  XXXX  which is 3 months prior to when I was told to commence my loan mod for my HELOC loan that was coming due with SLS on  XXXX .   I have been working diligently with SLS to complete this loan mod. Its now been 7 months.   My credit was always  XXXX  all my life. Because of the grossly laps in time that is takes to complete this process  my credit score a s of  XXXX  is now  XXXX .   It is SLS protocol that SLS will not accept nor allow me to continue to make my monthly mortgage payment to  SLS  during the Mod process because the loan matured on  XXXX .   I find is extremely unfair, unjust and outright damaging to me that all my life I have significantly made my credit of importance to me and now in a matter of 7 months my credit is destroyed because I am not allowed to continue to make the monthly payments like I have in the past not missing one payment and by the way I am financially able to make the payments.   SLS should NOT be reporting to the credit agencies during the loan mod processing time it takes to finalize this mod process and damaging my credit for absolute no reason at all.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have tried and tried to get XXXX and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that Equifax and XXXX have made more of an effort but XXXX has not. My spouse is having the same issues with XXXX. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with XXXX report as of XX/XX/XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XX/XX/XXXX ( see the red FP ). They are not allowed to show me late in XX/XX/XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ). Here, the court relied heavily on two of my cases, XXXXl v XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX) and XXXX v. XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( XXXX  XXXX XX/XX/XXXX), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both XXXX and XXXX are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses billions every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.
Consumer complaint received 2017-08-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Skopos Financial, LLC (KS)

I had bought a used vehicle in/or about XX/XX/XXXX, I come to find out the vehicle had been a rental vehicle by XXXX and Had been seriously wrecked on left rear and repaired by XXXX but of course the XXXX reported no accidents which I have come to find out this is common of rental companies not to disclose their vehicles have had accidents etc nevertheless, I fell behind on payments and this company ( Skopos Financial ) In Texas, Repo the vehicle in XX/XX/XXXX and as of this writing on my credit reports this company shows this is still an open loan as if I stll have the vehicle, and the automated voice account services I checked XX/XX/XXXX shows the same balance as is listed on my 3 different credit reports, and this is all in correct, They sold that vehicle in XX/XX/XXXX, So it should NOT be listed as an open loan, and the amount of balance should be reported as well being the vehicle was sold and I was never told what the bal was. I have contacted the credit places to try and correct this and nothing has been done, seems like this company has not made any reports to the credit reporting places since XX/XX/XXXX when they took the car. Skopos I feel is intentionally leaveing misleading, wrong information on my credit reports.
Consumer complaint received 2017-04-30
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: Fidelity National Information Services, Inc. (FNIS) (MN)

Chexsystems took longer that 45 days to reply to my dispute. Once I noticed them that they have to delete the information they sent a reply for the dispute in with the same information provided before. They set a deadline and missed it. Per their website : " your dispute will be considered as received on the following business day.   If you provide additional information or documentation relevant to the dispute while the investigation is pending, the investigation time frame  may  be extended by up to 15 days to give the source sufficient time for review.   Once it is completed,  XXXX  will notify you of the results of the investigation by mail at the address you provide ''.     30 days plus  15  additional days were also past they resonponed on   XXXX   XXXX   I disputed in late   XXXX   XXXX     when I placed a security freeze on my report. I received a confirmation of the freeze and my PIN on   XXXX   XXXX   XXXX     and never heard back until   XXXX   XXXX   XXXX      two  days after I filed a dispute against them and their reporting. In their packet your information was included. I mentioned I am going to report this as well. They can not just help banks out, this is not fair. I can not open a chekcing account due to errors and {$0.00} balance bank account reporting on  XXXX   Reference  :   XXXX   XXXX     XXXX   XXXX     XXXX
Consumer complaint received 2017-08-06
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: Experian Information Solutions Inc. (NY)

Experian atill has a XXXX collection that is not reflected in my other 2 bureaus for fico scoring. This is flr a medical bill and this was resolved when i gave them a copy of my insurance information.
Consumer complaint received 2017-02-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (WA)

I was contacted by Phoenix Financial Services LLC stating that I owed a debt that was closed over a year ago. I informed them that the debt was paid in full and requested information to forward them proof of debt paid. While I was waiting for the XXXX balance letter and copy of account paid from the original creditor, I submitted a photo of my bank statement showing proof of payment. They did not contact me again until the 30 days was up, or request any other kind of proof. They then attempted to contact us again saying that it was a valid debt. We were advised by the original creditors that Phoenix Financial Services LLC is not a collection agency that they use for collections and that more than likely they were attempting to fraudulently collect information. When I informed them of this information they became combative and told me that the debt was valid and refused to give me information from the company that was requesting the debt paid. I forwarded them the additional documents proving that the debt was paid in full, and they responded by reporting to the Credit Bureaus as a valid debt.
Consumer complaint received 2017-04-30
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. (CA)

REPORTED IN CORRECTLY ITEMS SHOULD BE REMOVED BASED ON FRAUDULENTLY CHARGS OCCURRED I kindly informed all the CREDIT REPORTING AGNCY and the BANKS of my SCAM with   XXXX   XXXX   XXXX   that happened in  XXXX  when the company had Possisions of my card and commited Fraudulent charges on some of my cards Those account now are still reported in Collection and Charged OFF and negatively hurting and harming my credit FICO SORE and CAUSING ME Financial and emotional stress in obtaining loans and a getting approved for a line of credit because of the derogatory marks I called in the Banks Numerous time in the MONTH OF  XXXX  and the Month OF  XXXX   XXXX  and explained to them my circumistances they asked me to call the CREDIT Bureaus and request and early removal of the account I Called the CREDIT REPORTING BUREAS and informed them they ASKED ME TO CALL THE BANKS TIME are PASSING BY and i wo n't be ABLE to be QUALIFIED for mortgage based on my credit Score The BANKS / CREDITORS and CREDIT BUREAUS they put me on hold and transfer me around i SPEND OVER  15 H RS A WEEK every Week trying to resolve this
Consumer complaint received 2017-08-05
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 (NY)

I made a payment on X/X/17 in the amount of {$2200.00}. When I checked my account on the following business day I had noticed that the payment was still not posted to my account. I immediately contacted customer service for capital one. When I spoke to the representative they informed me that there will be a 5 day hold on this account because of the amount of payment has never been made from this account before. I asked them what does the amount of me paying my balance have to do with them placing a hold on my account. The represenative told me this was there policy. Then on X/X/17 I contacted capital one again because I noticed the money had been debited from checking account with my bank. I inquired why they had taken the money and still not updated my available credit line. The represenative once again told me that this is there policy and this would have to be verified through the bank. I asked them why they would debit my checking account and not make my credit line available. The represenative informed me that this would take 5 days to resolve and could not offer any other solutions. I feel there business practice is unfair and really should not treat good customers in this fashion. I was attempting to decrease my account balance and this is the treatment I received after being a loyal customer for the past 5 yrs. The  represenative was very eager to close my account and continued to ask me over and over again did I want to close the account. The represenative name was ( XXXX ). I told her that I really want to close this account but I am fully aware that closing a credit card decreases your credit rating. I would like to see my credit line available to me and never have to be treated and such a disrespectful fashion. The represenative even insinuated that this may be fraud and questioned if I was the actual account owner of the checking account. This was very insulting and humiliating.
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (FL)

My concerned is that chase advertisement for an authorized card holder user is false .... and it does n't give any benefits to the authorized user just bad ones ... I called Chase customer service 5 times even talk to a supervisor and all told me that being an authorized user will help with your credit history since it will be reported in your credit report. I was reported for more than 10 years ... and I remember exactly they told me it was the same as having a secured credit card just not having to put some money down ... so it does n't help you out it just hear user because if the primary account holder defaults on their card you get a mark on your credit report and ca n't be removed. I want this escalated or want a letter saying that being an authorized user will not help your credit score but if the person is late or does n't pay it will be marked in the credit profiles of the authorized user. this is why I think this application needed to reconsider or the inquiry denied ... because of the false advertisement..