davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I challenged a collections account on my XXXX credit report from a company called Wakefield and Associates Inc. The account was removed from my credit report and two weeks later, Wakefield and Associates Inc, illegally reported 2 NEW collection accounts that do not belong to me, to my XXXX and XXXX credit reports out of retaliation for having them removed from my credit reports. My credit report indicates that Wakefield and Associates Inc, reported the supposed debt was opened on XXXX XXXX XXXX. I havent been to the emergency room in over 2 years and Wakefield and Associates Inc are lying to XXXX and XXXX. Ive asked them to provide proof of ownership by showing a copy of my drivers license and social and they decline because they do not posses any of it. If they do not remove the the fraudulent accounts, i will be forced to sue them and have the accounts removed. I have already forwarded a copy of my credit report to an attorney to look at. Wakefield and Associates Inc is breaking the law.
Consumer complaint received 2016-08-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IL)

Recently my husband and I became a one income household. I was told by freedom mortgage that from the XXXX to the XXXX no late payment and that XXXX to XXXX there would be a late charge but not reported to credit file as late unless it goes longer then that. Last few months I have made my payment online last day of the month. This time XXXX XXXX and XXXX, i logged into account more then a handful of times as well as called the company. No matter what I tried i was not able to only pay XXXX payment it wanted me to pay XXXX and XXXX. well thats why we pay at the end of the month cause we cant afford to pay it sooner or as much as they were asking. I tried very hard to get this payment in. I was also hung up on by several reps and several reps told me I had to make both payments in order for them to except a payment. This has never happened before and when I told the rep she was clueless but did say thier website acts up time to time. So needless to say the hit my credit report as a 30 day late and told me there is nothing they can do even though clearly thier website was the problem and they could see on thier end how many attempts there was to make the payment they see where the mistake happened but they refuse to remove the late off my credit file. This has hurt us bad. We are in the middle of trying to sell our house to buy something cheaper while we get on our feet and now we are stuck. Thier customer service reps are very rude and very clueless. They refuse to transfer to proper manager to get the proper answers. They just keep telling me these things happen just try and get your payment in sooner. They also stated to me that it would be fixed as an error on thier behalf and of course still refuse to even though they can clearly see on thier end how many times i attempted the payment online and over the phone through the automated system. No sorry yes we know its our fault nothing. I am not the first person they have done this to and Im sure not the last. This company is nothing but crooks who are out to ruin hard working peoples lives.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

Chase is my mortgage company servicer and backer. I bought this home back in 2007, and within in 1 year I was upside down on my loan. I have tried to refinance my loan with chase, and have been turned down twice. If XXXX, or XXXX were my backer I would qualify for a refinance. Since I owe more than my home is worth, Chase has told me I need to make a XXXX payment, before they can refinance my home. What can I do? I do not have that kind of money, or credit to borrow from. The government has programs such as HARP, to help families in situations like ours. Why does n't Chase as the backer help its families like other backers? What do they have to gain, by taking our home from us when the day comes and I can not afford the interest payment. As is it I will never pay off the home.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AL)

In writing, CITI Bank has closed my account and tells me the funds from my account will be released in 60 days ; however, on the phone, they stated that they will not be releasing my funds unless I travel to the nearest Citi Bank in person. The nearest Citi Bank is XXXX miles away, and I can not be expected to travel that far. especially when Citi Bank is withholding all my funds. Citi XXXX XXXX : XXXX
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX XXXX, XXXX my wife and myself had brought atimesharefrom XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX aka XXXX XXXX for {$41000.00} with an upfront payment of {$4000.00}. 

We made monthly payments XXXX when we realized that we have been defrauded with high pressure sales pitch along with assurances of higher resale value and the tremendous investment potential with an interest of 16.90 % on principal and over {$1000.00} in maintenance fees a year. 

I tried to reach out to the company, sent letters explaining the fraudulent and misleading assurance by their sales team which included helping me later to sell the timeshare in case I did not want it with profit, but have been unable to elicit any response. When I reached them over phone was told that as per law they need not answer any of my questions in writing all they sent is a print out of my payment history without any letter head. 

Since then we stopped all payments after which it was reported on all credit agencies as Real Estate Mortgage Loan. We sent dispute letters to all 3 credit agencies explaining this fraudulent act and that any items reported by XXXX XXXX, aka XXXX XXXX be expunged from our record. It has been removed from XXXX and XXXX, only in Transunion it is reported as Conventional Real Estate Mortgage Loan delinquent. 

But finally reached a settlement since we wanted this record removed from my credit history as we wanted to purchase our first home. We received assurance XXXX XXXX XXXX the collections agency for XXXX XXXX that my outstanding dues would be removed from my credit history and on XXXX XXXX, XXXX we settled for a settlement fee of {$7200.00} on the outstanding principal of {$36000.00} but once the money was received there was no removal from Transunion. 

Since then I have sent certified mail to Transunion to remove/correct the account asking that the account should not be classified as Conventional Real Estate Mortgage Loan explaining 1.  This is a Resort-based points program timeshare which do not qualify as real estate property since we do not have any ownership in the property under Dodd-Frank Section 1026.43 Minimum Standards for Transactions Secured by a Dwelling this should not be reported as mortgage. 
2. This is not in line with XXXX XXXX ( XXXX ) Conventional Loan guidelines which categorizes all timeshares are installment loans. 

But it has not been removed in several attempts. We would like your help in 1.  Removing/reclassifying this account reported as Real Estate Mortgage from Transunion 2. Why XXXX XXXX XXXX is reporting this as a Real Estate Mortgage Loan only to Transunion which does not comply with reporting requirements under Dodd-Frank and XXXX XXXX. 
3. Why only Transition is reporting this and other credit agencies have removed them 4. Report the sales activities of timeshares by XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My XX/XX/XXXXXXXX  XXXX was fraudulently repossessed during the middle of the night by Capital One Auto Finance. There was a settlement for this vehicle in XX/XX/XXXX. The initial Settlement letter offer was dated XX/XX/XXXX and had a suspense of XX/XX/XXXX. The settlement amount was for {$1700.00}. In acceptance of the settlement offer, I had a cashier check made through XXXX XXXX XXXX XXXX   on XX/XX/XXXX for {$1700.00}. The Settlement check and confirmation response letter was sent on XX/XX/XXXX by certified return receipt mail via USPS. Capital One received and signed for the letter on XX/XX/XXXX. The letter referenced the account # and the VIN # for the vehicle. The letter also stated : " I received your account settlement offer, dated XX/XX/XXXX, and agree to pay the settlement amount of {$1700.00}. Upon your acceptance of my enclosed payment, XXXX Cashier 's Check ( gave check # ) in the amount of {$1700.00}, Capital One Auto Finance will consider the above referenced account as Settled in full and no further payments will be required as a result of this settlement. Upon settlement of this account, within 30 days of receipt, Capital One Auto finance will report to all credit bureaus that this account is settled in full and has a {$0.00} balance due/owed for : ( Names were Provided ) and the Vehicle Title will be mailed to me along with confirmation of receipt of payment and settlement. Additionally, No further collection activity will be taken by Capital One Auto Finance, nor will Capital One Auto Finance pursue any further collection activity via third-party collection agencies. '' After they received the payment, they updated the information on both my and my daughters credit reports to reflect " Dispute Resolved ; Reported by Grantor ''. Capital One states the escalation department will take 2-3 business days to investigate the issue. This is causing a loss of employment wages which they should be responsible to pay due to this violation of my rights with said vehicle in addition to the cost for the day care for my granddaughter which is still charged in her absence. The vehicle is currently located at XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I was told I had to make an appointment to go retrieve the personal belongings in the vehicle until the issue is resolved. This includes my granddaughters only car seat. Capital One needs to update their records as settled and also send me the title to the vehicle.
Consumer complaint received 2017-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Couch Conville & Blitt LLC (AL)

Got a letter in the mail today ... dated XXXX XXXX from these ppl! It says its an attempt to collect a debt! Doesnt show who they are representing for the debt, etc! Just says ... XXXX XXXX XXXX, XXXX and thr amount of {$1600.00}! I called to see how I owe and left aphone number and name about XXXX oclock today! No answer! Could be a scam ... ..Im XXXX with XXXX XXXX XXXX and have had a XXXX XXXX in XXXX! If this isss due to a bill from Fla ... it doesnt state it and I was fully covered with XXXX! ... ... ....
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2017-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AK)

My student loan is currently in an education deferment with  Navient,  formerly known as  XXXX   XXXX . I initially took the loan out   XXXX   for an amount of {$22000.00} and there is currently a balance of {$13000.00} on the account. The loan is an education deferment as I have just completed my  XXXX   XXXX   XXXX  in   XXXX   XXXX   at the University   XXXX   XXXX   and am continuing on to complete my   XXXX  . in   XXXX   at the University   XXXX   XXXX  . My issue is with my creeping interest rate. Currently, the interest rate on this loan is at 9 % after Navient, again, has increased the rate. They have increased the rate steadily every few months recently, outpacing the  LIBOR r ate, which they claim to use as their baseline when I called to inquire about this. I called  Navient o n   XXXX   XXXX   XXXX   and was told my interest rate was variable, based off of the  LIBOR rate and my credit score. When I pointed out that my credit score has increased greatly since the loan was taken out, I was informed they only look at my credit score from the day I  took out the loan. Given this, the variable interest rates marginal variation should only be based on th e LIBOR rate, w hich is still positive, but marginally decreasing, meaning it is moving in the opposite direction of my loan interest rate. I have had previous issues with Navient/  XXXX   XXXX   when they advertised special repayment benefits for military members. I served  XXXX  years  XXXX   XXXX  in the  XXXX   XXXX . When I called to inquire about these benefits, I was told that my service did not count as  XXXX   XXXX  and I was not entitled to these benefits and that soldiers are only  XXXX   XXXX  when they are overseas, otherwise, they are part of the reserve. As a  XXXX  veteran, I gave some of the best years of my life to serve in whatever capacity my country needed me to and it is very frustrating that, as I am trying to use my benefits to further my education, I am being told that this company can arbitrarily increase my interest rate with no limits. When asked why I did not receive notification of my interest rate hike, I was told that because I am currently in school, they  may no t let me know when my interest rates are changing. The representative went on to read the interest rate increases that have occurred recently without my knowledge as if it was a justification for the current hike. I understand how the  LIBOR work s, but no other lender is trying to extort me this harshly.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This complaint relates to the Equifax data breach. It has been reported that our very private financial information was not encrypted. Is this correct? Why ca n't we reach someone at Equifax via phone or email? Am told by automated system they can not process request to freeze credit. Same response from XXXX, and XXXX Have called all agencies twice, and emailed Equifax without a response. Why are n't we getting direction from The Consumer Financial Protection Agency. CFPB has been silent. We need to know what to do NOW! Why is n't there a crisis protocol when over 140 million are affected? Should remove " protection '' from your name.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid 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: CITIZENS FINANCIAL GROUP, INC. (OH)

A complaint was filed with the CFPB XX/XX/2022, for unauthorized transaction that was made on my account. Citizens Bank responded to my complaint on XX/XX/2022, and in that response they informed me that " Per our research, the chip component of the debit card can not be duplicated ''. With this statement, Citizens Bank has not provided documentation from the third party card company that validates this as statement as truth, also-Citizens Bank has not provided physical evidence of the unauthorized transactions that is required under 15 USC 1693g ( a ) which is by a signature, photograph, fingerprint, electronical or mechanical confirmation that these transactions were in-fact authorized by me. It is the purden of proof for the financial institution to prove that the consumer infact authorized the transactions and the proof is provided by providing the referenced forms previous listed above, in which Citizens Bank has failed to do. My original complaint and concern has not be addressed or answered. CFPB please help assist in resolving this matter as soon as possible. Thanks.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

XXXX endorsed my dependant into my auto policy causing my auto insurance premium to rise doubled after knowing that I disagreed to add my son XXXX as my dependant to my auto policy. I forward to them a check up to 10 % of unearned insurance for the month of my cancelation XX/XX/2018 after they cashed the check they sent me another bill for the difference and sent me to collections. Allstae actions has lower my credit scores from XXXX to XXXX. 

Unlawful harassment may occur with or without economic injury to, a consumer. I drive my dependents, friends, etc. my self when I need to and when I choose to do so anywhere in the USA just like everyone else. This is my constitutional right. 

An investigation into Florida 's Auto Policies underwriting policies forcing consumer 's to add dependents into consumer 's policies after insurance policy underwriters know they re not allowed to endorse a dependent without the permission of the vehicle 's title owner and when the underwriter 's know that the auto policy consumer who is the owner of the vehicle owner and does not agree to add the dependent and the dependent is not permitted by the owner of the vehicle to drive that vehicle and does not own that vehicle or any other vehicle. An owner of a vehicle has the right to say who can or ca n't drive their own title vehicle. 

An owner of a vehicle whose title of the vehicle is named only in that owners name has the right to transport any family member any friend any person they choose to transport at any time any where in the United States regardless of whether they live or not in the same household same state and specifically when that vehicle 's owner constitutionally has the right to decide who he ( or she ) may allow or may not allow others to drive their own titled vehicle. 

I am the sole title owner of a handicapped vehicle. My son is XXXX years old is my depedent and a full-time student. Prior to obaining his driver 's license we called XXXX to find out if Florida state law requires him to have auto insurance if he does not own or have title to a vehicle, he does not drive my only vehicle and he lives with me. The field support office employee XXXX stated he can have a driver 's license ( not speaking about a permit ) and does not have to have an auto insurance policy if he does not own a vehicle and he does XXXX XXXX in the state of Florida. 

XXXX is not the only insurance company who enforces Florida consumers to pay for auto insurance policies for dependants that the consumer has does not need. The insurance world enforcement tactics include endorsements unto a consumer 's auto policy a dependant without owning a vehicle nor is the dependant permitted to drive that  other person 's vehicle by the sole owner living in the same household. 

Florida Chapter 627.739 ; 627.7282, 627.7283
Consumer complaint received 2018-08-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp (MN)

I opened up a personal loan from Lending CLUB in XX/XX/XXXX. I paid on time on this loan for 1 year and 6 months. I paid {$4000.00} dollars on it in XX/XX/XXXX. I also made what I thought was my last payment on XX/XX/XXXX for {$300.00}. I made a mistake and thought the payments were done, and the balance was XXXX. I stand corrected, HOWEVER II was not notified from Lending club by phone or email that I was late on a pyament and still had a balance. They told me I did not want them to email me. I did not know that the remaining amount was left and ended up missing a payment. I found out when I checked my credit and it had gone down 48 pts. I got this loan to increase my score and make reliable payments as I did. I would never have made all payments in a timley manner and big sum of {$4000.00} dollars to turn around and totally MESS UP credit score that i have worked so hard to get " good ''. by missing a payment I did not tell them not to let me know I owed them money. If Lending Club would have contacted me I would have for sure made the payment right away. I am now unable to purchae a home. I akded them to work with me and told them I would pay it in FULLin one day if they could please remove this late payment off my credit. They did not let me know I was late and are not willing to work with me. I really would like some help on this matter. PLEASE PLEASE hold LENDING CLUB resposoble fro telling a aonsumer they know they owe the money so a innocent mistake causes them their lively hood
Consumer complaint received 2018-08-06
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. (IL)

In XX/XX/XXXX, XXXX XXXX XXXX provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XX/XX/XXXX, I paid the full reinstatement amounts required by XXXX, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to XXXX are XX/XX/XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
XXXX attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire XXXX account needs to be removed from my credit report due to their own errors.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have been trying to remove an inappropriate collection from my report with Experian. Not only has the online investigation been biased and inappropriate, but they have made it impossible to reach anyone for assistance. A fraud alert was just placed on my report by the automated system because I wanted to speak with a representative. It is not an appropriate response to my request. I want experian to be reachable so this issue can ve resolved.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Riverwalk Financial Corporation (MD)

XXXX XXXX XXXX is reporting a debt in the amount of {$7100.00} to XXXX & XXXX credit bureaus. The account is reported as open on XXXX, and closed on XXXX. I have requested validation of this debt in writing twice ( XX/XX/XXXX, & XX/XX/XXXX ), and filed disputes with both credit reporting agencies. Neither of these actions have provide verification that I owe this debt.