davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Discover ( one credit card ) and XXXX  ( two credit cards ) have told me out of the blue they decided to make a business decision to close my wifes and my credit cards. All of my three cards were closed in the month of XX/XX/2018. We tried calling to request what we did wrong to only get a representative either not understanding why it was closed or just a flat answer of " the credit card companies aren't making money off you so they decided to close your account '' and it was a business decision. We asked for help from all the credit cards and asked if we did something wrong please let us know so we can avoid this in the possible future, but they didn't have an answer for this as well. 

One of my XXXX credit card I had for more than 12 years. Most of the times we paid our bills on time in full. A few times we had maybe less than {$2.00} interest charges ( attached statement summaries ). My credit score was over 800 on XXXX  before our credit card companies closed our accounts. The last major transactions we did were some credit transfers because we were trying to avoid being charged too much interest as my wife is a small business owner. We used our credit card with the various credit products the credit card companies offered and now we are being penalized. These companies offer credit line product that will cause us to lose out on our American dream of owning a home. We were planning on buying a home this coming year so I worked hard to keep my credit score close to 800. Also, I was planning on using my credit line to start up an internet business too. I lost a total of {$60000.00} in credit line. This was all in one month.
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One informed me card was frozen. Some unknown person used my personal information to add him/herself as an authorized user of my VISA card. Capital One has cancelled that card, is issuing me another. Advised me to file fraud alert with XXXX ; have done so. Advised me to file same alert with FTC whose website directed me to your agency. 
I will now have to contact the many organizations whom I pay by charge ( to the cancelled card! ), as well as the many e-tailers with whom I do business. Until my new card arrives, I have NO credit card.
Consumer complaint received 2018-10-17
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. (WA)

Credit card account was closed due to lost credit card. A new account was opened and a new credit card was issued. The closed credit card account is still appearing as open with the original balance that was transferred to the new account rather than being reported as closed due to lost card with a XXXX balance. The new account is also appearing with a balance. The credit reports show 2 of the same accounts : the closed reporting as open and the new inaccurately also reporting double the amount of debt. I have filed disputes with all 3 credit bureaus and contacted the company, but it has NOT been corrected. Also this company as slow and sometimes fails to produce a credit card statement, and unpredictably reports to some bureaus and not the other, and/or the credit reporting agencies are not processing the information they receive from this company and updating timely and accurately.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (LA)

I am requesting a freeze be placed of my XXXX XXXX, Innovis XXXX XXXX file please send me a pin of security number to protect my file and credit information.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.. My information is clearly shown below : After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX SS : XXXX DOB : XXXX
Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I obtained a payoff amount ( through XX/XX/2018 ). Paid the amount through Bill Pay ( XX/XX/2018 ), ( same way I've paid every payment previously ). Those funds come out of my checking account immediately. Specialized Loan Servicing ( XXXX XXXX, CO XXXX ), returned the entire amount. Never notified me. Instead I received my next month 's statement ( reflecting no payment made ). It was then that I checked my checking account & saw they had returned the funds to my bank on XX/XX/2018. So, I sent another payment of the entire amount reflected on the statement (XX/XX/2018 ) & they just returned it. It's outrageous. These folks won't let me payoff this mortgage.

I believe they hate losing a client who has paid off their mortgage & want to continue to charge interest. It is obvious to everybody that Bill Pay only issues payments where the funds have already been drawn ( good float for banks ). Therefore, the mortgage company has no risk by applying the funds.

BillPay should be no different than a wire or bank funds, because, they ARE bank funds.
Consumer complaint received 2018-10-17
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Monterey Financial Services LLC (TX)

XXXX XXXX is out Utah. The representative never told me this would be a loan and monetary financial services never provide updates on balance. The school hardly ever return calls or keep up with you all alon. I just found out I have 8 percent student loan that was never explained to me I was told I cant the cancel the contact of the the loan even tho I want to with draw from the program. This is predatory lending against students who want to better their careers see XXXX  reviews and Montray has horrible review. I just want to get away from this school, stop paying on the I never agreed to Verbally ; not get my credit ding by Montray Fiancial. Please help and save students time energy and money. XXXX XXXX   lacks integrity and will ask to a positive post online about the school it is called bait and switch only if you need a extension in the course. 
Please help please help.
Consumer complaint received 2018-10-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XX/XX/XXXX o I purchased a used XXXX XXXX XXXX from XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX ) o I had a trade-in vehicle which was a lease from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). Vehicle was a XXXX XXXX XXXX o My lease had approximately 5 months remaining and I was already at or over my mileage limit for the full lease agreement. 
o During the course of the negotiation, XXXX XXXX representatives promised to pay-off the remainder of the lease payments, pay any early lease termination fees and pay XXXX XXXX XXXX fees for mileage overages. 
o I agreed to purchase the XXXX XXXX in good faith that this would occur and turned over the leased XXXX to XXXX o XXXX XXXX pilled on a large volume of paperwork which I later discovered had hidden fees which they built into the loan which put the burden of the remaining lease payments into my load. This is not what I had agree to and there was no explanation of the charges. Since I was rushed into signing the deal late into the night, I didnt notice it o I was only provided with one key to my now purchased XXXX XXXX XX/XX/XXXX o I returned to XXXX   XXXX to turn in my spare XXXX   key and handed it to the sales representative on duty. I explained the that the key needed to be handed to the manager and my salesperson, so it could be turned in with the XXXX A few months later, Ive begun receiving collections call from XXXX XXXX  XXXX XXXX, Toyota Financial Services and many other collections agencies for approximately $ 1.1K. They state that I owe money for 3 things : o Missing hubcap for one tire o Missing XXXX key o Mileage overages on the lease Im willing to discuss the cost of the hubcap although I havent seen proof that it was damaged or missing ( despite my requests for documentation ), however, the key was turned into Mossy and the mileage should be paid by XXXX. Ive decline to pay any of those charges Since then Ive been harassed by Toyota Financial and multiple collection agencies. Multiple phones in a day, calls to my personal cell phone, calls to my place of employment, calls to my wife None of these calls have been authorized and I consider them a violation of my FDCPA rights. 
Additionally, Ive received multiple letters which use threatening language towards me if I dont take action to resolve the account. I consider these letters also a violation of my FDCPA rights. They did not contain proper validation disclosures, substantiation of debt or physical evidence to support the debt claims The two debt collectors at fault are : XXXX XXXX XXXX XXXX and Toyota Financial Services
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JTM Capital Management, LLC (FL)

I was contacted by Mrs. XXXX from offices of XXXX XXXX XXXX stating they work with JTM CAPITAL MANAGEMENT LLC based out of XXXX XXXX- I also looked up that company and they have lawsuits against them for trying to collect off of zombie debt- stating they were part of a prelegal division stating a " Representative '' placed my file in her office. Regarding a pending civil complaint for XXXX County. If I didn't call her back it would be marked as a direct refusal. Mrs. XXXX explained this is for a debt from a company called XXXX. I told her this debt is not on my credit report and I have not received a letter from this company. She went on to say they want to file a lawsuit, sue me and will put a lien against my vehicle ( even naming the company of where I have my auto loan ) over {$1800.00}?!? How can they do this? This debt is not on my credit report? As far as I'm concerned- Stale debt is not collectible. Can you please help? " Collectors must typically sue you before they can go after your property, including money in your bank accounts, or try to garnish your wages. But threatening to take such actions before they have sued you and won a judgment may be illegal. Even threatening to sue you to collect a debt may be illegal if the collector has no intention of doing so. ''
Consumer complaint received 2018-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

I have 4 stolen checks that were deposited likely using some kind of mobile app, to a Wells Fargo account. The checks were made out to 4 different persons or entity, and successfully cashed through  Wells Fargo by a person named XXXX XXXX. 
There are no bank markings, deposit stamps, or any form of identification on the checks that were cashed. It appears these checks were deposited using a mobile device app offered by Wells Fargo [ and I understand also XXXX offers this " convenience '' ]. There is no positive i.d . required. So the thief just puts the money in his account, waits for the check to clear, then draws it out. This system of making deposits MUST STOP. It is not going to work. I have not been unable to get any cooperation from Wells Fargo in tagging the thief, which they can easily do. Perhaps there is someone inside the bank working with him. 
I have filed all the reports I can locally with the County and DA. You need to pick this up and get Wells Fargo to cure this easy fraud. Anyone can do this, any time, any where. This is a very BAD situation for us as account holders issuing paychecks and payments on account by check.
Consumer complaint received 2018-10-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Independent Dealers' Advantage, LLC (GA)

I purchased a vehicle though XXXX XXXX auto financed company is IDA loan agreement started in XX/XX/XXXX and I did not get a tag till late XX/XX/XXXX due to the inconvenience IDA was going to give me a deferment on my loan which that never occur I have run a month behind ever since because I was under the impression that it was granted my vehicle was reposed because they are saying now that am two month behind, I requested to speak to a manager in several occasions and no return call, I also send emails and no reply. Last Friday my vehicle was not in the parking lot where I parked it when I called them they transfer me to a Mrs. XXXX repo manager now she is saying I have to pay the loan in full if I want to retain the vehicle. I don't have those funds available and how is that my fault when I have try to communicate with them in numerous occasion and they where not responding to my plead.
Consumer complaint received 2018-10-17
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: JPMORGAN CHASE & CO. (TX)

battling ID theft for over 7 years seems like its getting no where all the banks are deny me b/c of my ID theft sent over ftc and police reports from XXXX and XXXX county
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX   have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-10-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CULLEN/FROST BANKERS, INC. (TX)

I applied by phone with Frost loan rep and completed application. I was told later that they were unable to open up a credit report with XXXX. I contacted the company and they assured me there was no problem and that the merchant needs to call if there any problem. I never had a freeze alert on my credit report but once again Frost attenpted to open file and came back with some result. I once again contacted XXXX and they told me it was not a problem on their end. They reset my file and now it been ready for review but I asked Frost bank to run my file again and they claimed same problem and made no effort to seek solution to them being unable to open file. I requested for XXXX to provide me with my report and at the same time Frost bank claimed they was attempting to work around this by seeking an answer thru their tech department. When I received a call from Frost rep they claimed they still was not able to open account and I asked why want they consider the other reporting agency 's file. They claimed it was their policy only to use XXXX. I then get a call from Frost bank rep claiming since they were unable to open file and they gather since information from somewhere they was offering me less then the amount I requested. I was applaud since i have a great deal of credit history no past due all paid as agreed and enough income to support the amount I requested. I requested XXXX and they was trying to counter with XXXX without no just cause other then that what we decided. Thurout this process it appeared unfair and unjust since there was no cause for concern with any prior loan or line if credit I have. My debt to ratio is only XXXX on one credit card and my income is XXXX. You do the math and determine why this stall approach and then offer an counter after they claimed they were unable to review my account. They made several hard line inquires as well and have avoid the main question why was they not able to open my account. And how are they making a decision based on no account now.
Consumer complaint received 2018-10-17
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. (MS)

i responded to transunion and XXXX about negative items on my credet report on XX/XX/2018, delivery comformation # XXXX XXXX  comformation # XXXX, asking them to verify these items bearing my signature and haven't heard anything from them. i understand that they have 30 days to reply to my request, via the FCRA laws before it is considered a violation with them.because this is affecting me from getting a house
Consumer complaint received 2018-10-17
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. (WA)

Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment incorrect and needs to be updated on all 3 reports consistently.
Consumer complaint received 2018-10-17
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. (SC)

I spoke with 4 different employees ( 3 supervisors ) with trans-union. I filed numerous complaints that a bankruptcy public record should have been removed from my credit report as of XX/XX/XXXX when I initially started my bankruptcy. They stated that the court is showing that the bankruptcy wasn't filed until XX/XX/XXXX. I spoke with a lady with the bankruptcy court who stated that they have nothing to do with the credit reporting agencies and that I should request proof of documentation of how they allegedly verified the information as accurate on my credit report. i have sent numerous disputes to trans-union in reference to this and each time it has come back as " verified '' but they they will not show me or tell me how they verified it. I was told I would need a subpoena in order to get proof of how they allegedly verified the public record is accurate. They are obligated to removed the false information off of my credit report by federal law if they can not accurately determine if it is supposed to be on there. They have failed to remove it from my credit report and have failed to provide me with documentation showing how it was allegedly verified. They are in violation of the law. This is my first step, per my attorney at getting this situation resolved. XXXX  removed the inaccurate bankruptcy public record from my credit report without any problem. I was told by employees, " were not equifax and not obligated to remove anything just because another credit reporting agency has removed it. '' They're basically telling me I have to sue them and obtain a subpoena to receive any proof that they confirmed this account is accurate. CROOKS!
Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

We have tried a number of times to come to some type of solution to save our home from foreclosure. When they initiated the foreclosure were were only {$10000.00}. in arrears.

We tried to make payment arrangements. We tried top do a forbearance. We tried everything we could to avoid foreclosure. We had an attorney who to our knowledge was familiar with the foreclosure process but did not represent us in the manner in which we wanted. Leaving us in a very bad situation. We have overcome our hardships and we have money saved to workout a solution to save our home. Please help us save our home from foreclosure. We have XXXX  ( XXXX ) small children under the age of XXXX. We need our home for our children. We are both working and do have savings to pay ourm mortgage.

Thank You
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I paid a fee to Bank of America on XXXX XXXX, 2017, to stop payment on a check. I requested the payment be stopped the same day I wrote the check ( which was for {$990.00} ). The check went through and Bank of America has not refunded my money. I have a paper trail from Bank of America verifying the stop payment request. 

The letter from Bank of America admits that we " issued a stop payment order on XXXX XXXX, 2017 for {$990.00} against check number XXXX XXXX XXXX XXXX XXXX. '' ( The quote is taken from the Bank of America letter. ) The letter goes on to say that Bank of America is refunding our {$30.00} stop payment fee " as a courtesy. '' I fail to see the courtesy here. We have the evidence that we paid for a stop payment on check number XXXX. Bank of America admits that we paid it. However, Bank of America allowed that check to go through. 

For me, as an individual customer with Bank of America for 27 years, this is outrageous behavior! I am deeply hurt and disappointed by my bank. The {$990.00} is a lot of money for me. I need that money returned. Surely a huge institution like Bank of America can do right by a customer who has been with them for 27 years. 

The mistake belongs to Bank of America. I place the stop payment order and paid the {$30.00} bank fee to do so within two hours of writing the check. Bank of America did refund our {$30.00} stop payment fee but has refused to refund the {$990.00}.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (NC)

I have recently tried to file disputes with all 3 credit bureaus ( XXXX XXXX and XXXX ) because National Credit Systems who is a debt collector has reported to my credit and my husbands credit an account that does not belong to us. They are reporting that the original creditor is XXXX XXXX we have never signed a lease with XXXX XXXX or lived at XXXX XXXX XXXX. WE DEMAND If national Credit Systems does have proof of a contract to show it to you and you will see creditor name listed on it if we did sign a lease with their original creditor is not National Credit Systems. I want the collection account they are reporting to be removed because they are reporting inaccurate information.