davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
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: Goodwill Finance LLC (ID)

On my Credit report Goodwill Finance is reporting that I was 60 days late on my vehicle back in XX/XX/XXXX and again 60 days late in XX/XX/XXXX in which that was the month I paid the loan off ( not even close to loan being up on my van ) due to being threatened by the Manager of the Goodwill Finance. I was late for payment dueXX/XX/XXXX and was 30 days late XX/XX/XXXX, then paid off XX/XX/XXXX. This is 34 days late, not 60 .... In which i have all the documents providing to me the payment history is is clear they are in violation of the FCRA Regulations for payment reporting. As a result of this company tampering with my credit I have now lost the opportunity to close on my home in which i have XXXX children and have to find an alternative option for housing until the issue is resolved.
Consumer complaint received 2017-07-29
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. (CT)

I contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on XXXX/XXXX/2017 and they explained that I needed to contact them in writing to dispute them. On XXXX/XXXX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so I called the Equifax XXXX/XXXX/2017 and again on XXXX/XXXX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX  ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts thank you.
Consumer complaint received 2017-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I started re modification process through XXXX XXXX XXXX. My lender is : RUSHMORE LOAN MANAGEMENT SERVICES XXXX. XXXX XXXX XXXX, CA XXXX TEL XXXX, FAX XXXX LOAN OFFICER : XXXX XXXX LOAN # XXXX The problem I am having with them is that the re modification is taking for ever, they asked for all sort of documents, when sent to them they denied it was not seen, when resent they wait for a while and request for the same documents after confirming the documents were received. I am suspecting they are wasting time so that they can be able to foreclose my house. I was behind because I lost my job and I got a full time job now. My wife has a XXXX XXXX since XXXX it is only me that is working in my household. Thank you. XXXX
Consumer complaint received 2017-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC (TX)

We just received a bill stating that we have not paid them in four months ( false ). We have been paying our agreed loan payments, and we have also notified them when we have had to make repairs ( for example : replace steering column ( purchased for {$85.00} at salvage yard. I also had to spend {$84.00} on renting a XXXX track to transport the part from the salvage yard to the repair facility, and {$200.00} for the mechanic 's labor ). In addition, I have also had to replace the starter ( {$45.00} for a part from an online parts house ... .a delivery that was delaved for two weeks, plus {$100.00} labor ). On the latter, I lost two weeks of work as a result ). Along with that, I had to pay {$150.00} to install a horn to bring the car up to state standards. We want our bill readjusted to reflect payments made.
Consumer complaint received 2016-04-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (NJ)

XXXX states I have a debt of {$410.00} from AFNI. The Creditors Contact Details : AFNI XXXX, IL XXXX. I called the telephone they provided at XXXX. I spoke to a person by the name of XXXX. She checked for the debt via Name and/or Social Security and could n't locate the debt. Can you help me resolve this issues. Thank you for your time.
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I have had my account less than 1 year with this bank. During my time with them, I was told many things by the branch. One of those things is that they do n't charge fees on top of fees. Recently I received an overdraft fee and I was told that it was the only fee I would get. They then turned around and charged me an additional {$30.00} fee. Also recently, I used their mobile deposit for a payroll check. They refused to provide me with access to my money and placed a large hold on it. I asked for it to be canceled and I was informed they have no option to cancel a mobile deposit and that they can do whatever with my money they want. They indicated to me that the law allows them to hold a check as long as they choose, however the law also says they have to inform me of that hold. If they choose to hold and not inform me or allow me to cancel then they are violating the law.
Consumer complaint received 2017-07-28
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 (MI)

I filed a dispute against the merchant XXXX for merchandise that I returned with tracking proof for the amount of {$2900.00} that was returned in XXXX. Capital One initially agreed it was proof and would assist me in the dispute. Capital One later lost the documents even though United States Postal Service supplied proof the documents delivered to the address Capital One specified. Capital One agents told me they do n't have the documents and wo n't acknowledge proof they received it. They then said they will look at documents I send but will not help me at all. Another Capital One agent said they will give me the benefit of the doubt and reopened the case. 2 Days later an individual by the name " XXXX '' closed the case and refused to help me. Capital One has received all the documents they requested but wo n't assist me anymore because I did not reply in time. However, I have replied in time by mail in XXXX. I also have a letter stating I am able to reply by XXXX/XXXX/2017 which Capital One wo n't address. Capital One is required to protect me under Visas International protection laws. I have now been scammed out of both the merchandise and the funds I used to purchase the merchandise. Capital One is engaging in fraud by delaying me several months reviewing my documents then closing the case after months saying too much time has passed. They will not elaborate on what this means considering I replied in time and are assisting the merchant in fraud even though they have a responsibility to protect consumers from unjust and immoral billing practices.
Consumer complaint received 2017-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Capital One XXXX made unauthorized charges to a personal account ending in XXXX from a business debit card ending in XXXX. This issue is ongoing and was unresolved after speaking with : XXXX - XXXX, TX Supervisor : XXXX - XXXX, TX On XXXX/XXXX/XXXX.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio recovery sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and Portfolio recovery is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.
Consumer complaint received 2017-07-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (PA)

I sent a letter certified mail to NCAC to valid debt in about of {$740.00}, NCAC responded with the original debtor " XXXX XXXX XXXX '' ledger with an excessive carpet fee for {$320.00}. I responded back to NCAC certified mail with pictures taken from Move Out of the entire apartment with no carpet stains. I also sent a copy of a letter from my Lawyer that was forwarded to original clienXXXX XXXX XXXX stating that the debt was incorrect. As stated in the legal document, the silence was taken as a confirmation that the amount was incorrect. Yesterday, I spoke with a representative to follow up on the status of my response. The representative stated that " he received the pictures of the apartment. Apartment companies can add fees if you do n't have a move out inspection and next time have an inspection to avoid false fees. '' He then went on to explain how he would delete the debt from my file for a settlement of {$420.00} however he could not put it in writing. I have to pay first then he will delete from my file.
Consumer complaint received 2017-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MA)

I went into a car dealership in early/mid month of XXXX 2017 to finance a vehicle. But the car I wanted was sold so the finance lady showed me a XXXX XXXX XXXX which was {$16.00} & And a XXXX XXXX XXXX  for {$7900.00}, & I was to put {$1000.00} down payment & I put a {$100.00} to hold the vehicles until I got a word back on if I was approved for financing. So she called me to come in to talk about rates next day. And when I showed up she showed me approval for the cars and they up the prices for the XXXX XXXX from {$16000.00} to {$20000.00} with {$5000.00} down & the XXXX XXXX from {$7900.00} to {$10000.00} with {$2000.00} down. & I told her I could n't do the down payment and would try to do {$2000.00} for the XXXX XXXX. so I signed a Rmv-1 form to bring back with insurance stamp & down payment but I could n't get the other {$1000.00} down. So we did n't go any further with the transaction or paper work and never took possession or registered the vehicle & come to find out the dealership fraudulently signed a contract with a Electric signature and sent a contract over to the bank which I have called and informed them that the contract was not signed by me I 've never seen or even got a copy of any contract and they refused to cancel the contract. After contract multiple times
Consumer complaint received 2017-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (MD)

This complaint is regarding two debt collection attempts from Medical Data Systems. Medical data systems is reporting two open accounts 1. {$1200.00} from XX/XX/XXXX, 2. {$180.00}, on XX/XX/XXXX XXXX, XX/XX/XXXX -XXXX/XXXX. I am disputing this information because I am unaware of where the debts are from, and I have requested debt validation a number of times and they have yet to provide that.I have no signed contracts and have never done business with Medical Data Systems. Furthermore, I receive constant phone calls and even threats from several different numbers associated with this company on an everyday basis. I have had to have several numbers blocked from m
y phone provider because of the harassment. Phone calls continue despite the request to end. Most  recently XXXX XXXX, 2017.
Lastly, this company is not able to tell me how and where they got my personal and health information and I feel this is a violation of my rights.
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is claiming my account is under risk/fraud. However, after talking to them and XXXX the address they got on file is completely different than mine. My account was closed for some check of XXXX being deposited without the funds available. Now I ca n't open and account and neither can my wife, because unfortunately she was on the account with me.
Consumer complaint received 2017-07-29
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: Early Warning Services, LLC (VA)

THERE IS ONE COMPANY NAME EARLY WARNING SERVICES WHO CHECKED XXXX XXXX RECORDS SHOWN OTHER BANKS THAT I OWE XXXX XXXX SOME MONEY AND BECAUSE OF SHOWING THAT NO BANK OPEN AN ACCOUNT FOR ME. BUT I DID N'T OWE ANY MONEY FROM XXXX XXXX I HAVE STATEMENT AND I SENT SOME DISPUTE LETTERS TO THIS EARLY WARNING BUT THIS COMPANY DID N'T DO ANYTHING.
IN DISPUTE LETTERS I WROTE THAT THEY ARE REPORTING INACCURATE INFORMATION SO I WANT TO DISPUTE THOSE BUT THEY DID N'T DISPUTE XXXX XXXX AND SHOWN THAT I OWE SO MUCH DEBT FROM XXXX XXXX. SO BECAUSE OF EARLY WARNING I AM UNABLE TO OPEN AN ACCOUNT WITH ANY BANK.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (MN)

today, XXXX XXXX 2017, i received in the mail a gratuitous solicitation from netSpend. the company sent me an unrequested pay-as-you-go credit card and directions for activating it.
i responded to the telephone number, provided in the direct mailing, for opting out of the unsolicited offer expecting to be able to speak live with a customer service representative. i wanted to register a complaint and request that netSpend cease and desist from soliciting me without warrant. however, i was unable to talk with another human being. the telephone access is a closed loop of prerecorded, automated menus and responses to general questions. though i did select to opt out of the unrequested offer, i have no record of confirmation that i have done so. and remain uncertain, as to whether the call i made might be used by the company to activate the credit card.
it matters little to me if the law protects conduct of this kind by netSpend, or any company, with respect to issuing unwarranted solicitations. the conduct is at least invasive and borderline hostile. if netSpend continues to send me unrequested solicitations and activates the credit card it issued under my name, i will consider the company hostile and seek to file lawsuit against it for violating my 14th amendment rights to privacy.
Consumer complaint received 2017-07-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (LA)

Citi repeatedly calls multiple times a day for collection on XXXX cards. Today alone they have called 3 times between XXXX and XXXX. They called 6 times Friday XX/XX/XXXX 8 times Thursday XX/XX/XXXX It 's been going on like this for months.
Consumer complaint received 2017-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX, 2017 transunion has my credit account as closed the account is opened XXXX 2017 Disputed transunion verified as accurate XXXX 2017 Disputed transunion verified as accurate
Consumer complaint received 2017-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Partners for Payment Relief (NC)

Received a Subsequent Interest Rate Adjustment statement addressed to my Deceased husband from XXXX XXXX XXXX. I do not recall loan. I requested a QWR. XXXX requested Affidavit of death of joint tenant. Letters Testamentary, admin or other probate Related docs. Sent reply I do not have those documents as there was no estate, Now I have Received a Statutory Payoff Letter from lawyer. Creditor listed as Partners for Payment Relief. I now sent QWR request with death certificate to PPR.
My husband passed away in XXXX and their demands for payment stated in XXXX. Rate increases .25 per month presently at 5 % max is 17 %.??? I need advice asap as I think foreclosure has been started.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear on your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.. Case number XXXX XXXX XXXX and XXXX
Consumer complaint received 2017-07-29
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. (ME)

XXXX XXXX attacking my credit scores for their error -opted for automatic payments in XXXX 2017 -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX
2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MS)

I have contacted Hunter Warfield on several occassions and requested that they validate this debt. I also do not have a contract with them. They refuse to do so. Hunter Warfield continues to report false information to the credit bureaus XXXX, XXXX, and XXXX illegally.
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accelerated Servicing Group LLC (WA)

I spoke with someone XXXX 2017 at Accelerated Servicing Group : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, him and I ( I believe XXXX ) made arrangements to pay {$100.00} a month, I told him I 'd call by the XXXX, if not I will for sure call by the end of the month. The company has called a few times already this month ( XXXX ) and when I called " XXXX XXXX '' I told him I was calling to make a payment, that my grandfather just passed away so that is why it 's later in the month ( but still before the end of the month ) He Immediately started raising his voice saying hm ok, you are no longer trusted to make the payments and the client wants to do automatic payments. I said no, what? what do you mean? I am calling by the end of the month. I did n't even get a chance to tell him I ca n't do automatic payments because I 've had so much fraud on my bank account and it worries me. He told me my credit was garbage and that is why I ca n't be trusted. What does my credit have to do with who I am? this " XXXX XXXX '' does n't know our story nor would he care and he treated me with so much disrespect. He than said I 'm not talking to you anymore, have your lawyer call me and hung up on me. How do I work towards making payments if the person who is suppose to be collecting the payments wo n't talk to me? I am now in the middle of calling the credit card company trying to see if they will take my payments or send it to a different collection agency because I DO WANT TO PAY IT OFF but I ca n't handle the belittling and bashing from this company because the situation is n't picture perfect. I have read numerous complaints about this company and they do not care how they treat people and the only reason they get payments is because they bully people and do n't treat them like people. DISGUSTING!!
Consumer complaint received 2017-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

I applied for the Chase reserve card and was approved. I received the card, used it for 2 weeks and used less than 10 % of the credit limit. For no reason Chase decides to cancel my account. After contacting them over the phone, nobody will give me a reason for the cancel. This will affect my credit in a negative way because of the cancellation. Why did they approve the card in the first place if they were going to cancel it 2 weeks later?
If they ran across issues that they might have found ( that I 'm not aware of ), then why not ask for clarification? I 'd be more than happy to provide documentation or what ever else was required to fix what ever problem they found.
When my card was cancelled with no notice, I was out of town. I ran into some very serious problems because i did n't have an active credit card. Could n't rent a car and could n't stay at a hotel. I was stuck.
Consumer complaint received 2017-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX, I received a letter from Barclay Bank in regards to my new gold luxury card stating that I would fall under their SCRA benefits for the duration of my XXXX XXXX service ; however, on XX/XX/XXXX, I received a letter stating that because I opened my card after my XXXX XXXX start status that I would no longer be under SCRA benefits. As a current XXXX member I should still be under SCRA benefits. I was told that they are switching their policy on me and they will no longer waive annual fees for me as they originally intended.