davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

In XX/XX/2017 I called to have auto draft payment moved from XX/XX/XXXX to XX/XX/XXXX ( I am paid semi-monthly ). I was assured, on a recorded call, that it would not draft on Monday XX/XX/XXXX and that I would have to call in the payment myself if I wanted it to be drafted. The payment hit my account on XX/XX/XXXX ( Sunday ), which means they posted it on that Friday before ( XX/XX/XXXX ). I contacted the company and they told me that I didnt call in enough time to have it canceled. I talked to several different employees and finally someone was able to get me reimbursed for my NSF fee and my payment. 
I canceled their auto draft for good, with good reason behind it. I do not trust this company to post LEGAL, ON TIME, payments from my checking account. I am now being charged {$34.00} every month because check from XXXX XXXX  does not get to them until after the XXXX of the month. I called on Thursday ( XX/XX/XXXX ) and spoke to several employees that told me that NO ONE in this company is able to help me with this and that I will continue to be charged this insane amount unless the payment is in on XX/XX/XXXX. The last representative that I spoke to claimed she was going to have her manager call me on Monday ( XX/XX/XXXX ) to try to get this situation taken care of as it has been going on since XX/XX/XXXX .... It is now Tuesday, after XXXX in all time zones, and I still have not received a phone call from this company. The only reason I came off their auto draft in the first place was because they obviously do not know how to post payments correctly and I do not trust them. My payments have been sent in on the last day of the month and the XXXX every single month, but I am still being charged this {$34.00} every month. No one can help me get these fees off of my account and I do not feel that I should have to pay this due to this companys carelessness.
Consumer complaint received 2018-02-07
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: Experian Information Solutions Inc. (CA)

I am from XXXX county Indiana XXXX XXXX XXXX XXXX of XXXX  XXXX Indiana of XX/XX/XXXX Others copied my documents attached to my social security number and data 50 states wide and in XXXX and XXXX As counter ids scams using business permits scams and never asked me per the IRS I have been used a sinage by many land development using my documents as landdelopments and consideration business Federal and state not authorized Others fraud the doctor listed on my birth certificate long form of XXXX XXXX  XXXX and XXXX  XXXX Then others frauded my immazation record of XXXX   XXXX XXXX XXXX XXXX Indiana I have been deniged credit card and department stores change card and loans and payday loans and scotter and RV loans and mobile homes loans for 18 years Others used my credit files as retailers store 's and banking and financial and business and banking permits and 50 states grocery store products with receipts, and marina and apartment building permits and politican listings and lawyers and judges and law offices and police and clothing and chruch groups and auto stores and consideration permits and insurance workers and IRS retailers workers and semi truck and  semi truck business permits Schools and school products and services and building permits business and advertising
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (MS)

In XX/XX/XXXX, I was offered the U.S. Bank Cash+ Visa Signature credit card by U.S. Bank through the pre-qualification page on the U, S. Bank website, located at : usbankfindmyspecialoffer.com One of the " Key Benefits '' portion of the offer stated : " Earn {$100.00} cash back after you make {$500.00} in eligible net purchases in the first 90 days. '' I took a screen capture of this offer on my computer to verify that I was indeed pre-qualified for this card. 

Since I was prequalified according to this offer, I applied for the card and was approved for it and subsequently met the spending requirements of {$500.00} before the end of the 90-day period. I then called U.S. Bank Cardmember Service to inquire about my {$100.00} reward and was told there was no record of it being attached to my account. The representative said they would look into it and contact me. 

I received a letter dated XX/XX/XXXX from Cardmember Service stating that they needed verification of my offer, so I mailed a photocopy of the screenshot to Cardmember Services on  XX/XX/XXXX. I also noted in the letter that on that same day the pre-qualification page of the U.S. Bank website was showing me the same offer for yet another credit card ( U.S. Bank XXXX XXXX XXXX XXXX XXXX ), with a promise of a {$150.00} reward after spending {$500.00} in eligible purchases in the first 90 days. I did not apply for this card as I didn't need another card at the time, but I pointed it out in my letter to show that these are ongoing offers by U.S. Bank, despite the fact that the representative I spoke with claimed to know nothing of it. 

After mailing the screenshot as proof of the offer, I then receive a second letter dated XX/XX/XXXX, which stated they did not receive the full terms of the offer. They are now asking for a front and back copy of the promotional offer, which I do not have and which does not apply in my case, because this was an online offer via their website and not an offer I received in the mail. 

I am now turning to the CFPB for help, as it has become apparent that U.S.Bank is not willing to fulfill the terms of this promotional offer even though I have met the requirements and provided them with the information they requested.
Consumer complaint received 2018-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have a vehicle loan with USAA at 10.10 % interest rate. My monthly payment is {$420.00} of which 30 % goes toward interest payments. I was also advised I would need to pay a dept protection fee of {$40.00} per month. When combined, 40 % of my monthly payment does not go toward reducing the balance of my loan, but goes to USAA. This false claim constitute predatory lending practices. 

I have had other loans with USAA where the predatory lending practices are contrary to their claims of providing great financial products to service members. I served in the military for 28 years, and instead of USAA providing reasonable financial services, they engage in predatory lending practices aimed exclusively at our military service members. 

USAA could resolve this complaint by ceasing and desisting with these predatory lending practices, stop the false narrative and false advertising of 10.10 % interest rate when the actual rate they receive is 40 %, stop deceiving military members with predatory lending practices and reverse the abusive charges and fees.
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

I applied for a loan modification about four months ago with XXXX XXXX XXXX, but their paperwork still has my ex husband 's name on the paper work even though I've sent them and they have confirmed the following : Divorce decree from XX/XX/2015 Quit Claim deed notarized in Colorado They have acknowledged that my ex husband DID NOT sign the original bank note, but still insist that he must sign the loan modification papers, which him and his new wife REFUSE to do. 

Ocwen has acknowledged they have the documents in question, but still will not complete the modification even though I have submitted the three trial payments.
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

I have 2 problems that started with online fraud of my debit card with Chase. 
This first started when Chase bank contacted me on XX/XX/XXXX to notify me of suspected unauthorized activity. I confirmed 6 transactions. Of the 6 transactions, they credited me for they have reversed the credit and debited my account for {$60.00} on XX/XX/XXXX to pay XXXX XXXX XXXX XXXX for a pre-paid cell phone account in XXXX. I this is fraud and they identified as such and contacted me, now they have reversed it. I know no one in XXXX. When I contacted XXXX XXXX XXXX they told me I was probably the victim of a data breech and that have not received a payment from Chase, they only had a chargeback on XX/XX/XXXX. They had no grounds to reverse the credit. 
My bank account was debited on XX/XX/XXXX. I have attached the statement. 

The second problem was caused by an error Chase made.When Chase contacted me to report possible fraud they listed 6 transactions, the XXXX XXXX XXXX was on of the 6. The next day I went to the bank to find out more and as I went over the transactions with the banker XXXX, we discovered that my car insurance payment had been included in the f dispute, she called the fraud department and adviced them that this was a good transaction and to pay it. I discovered days later that they had included the XXXX XXXX payment in the dispute and had reversed my authorized payment. I contacted the fraud department and told them to pay this immediately because my insurance could be canceled. I saw the debit in my account for {$240.00} on XX/XX/XXXX and assumed it, had been paid, it had not. XXXX had never received payment and my car insurance was canceled without my knowing until XX/XX/XXXX when I called to add another car to the policy. The chargeback from Chase was never corrected. XXXX XXXX, the banker at Chase on XXXX XXXX spoke to the accounting department at XXXX XXXX onXXXX and confirmed that no payment has been received. I forwarded the accounting statement I received from XXXX, showing the charge back to XXXX. I have also attached it. XXXX filed another dispute for me on XX/XX/XXXX and today I received notice that the temporary credit had been reversed and that the money was paid to XXXX and the dispute was denied. Where is my money? 
This like the XXXX XXXX XXXX payment is not in with the company, but both have been taken out of my account. 

I am requesting full credit for both transactions. 

I have attached the statements of all transactions, and I have requested confirmation from Chase of the money transfers to XXXX XXXX XXXX and XXXX.
Consumer complaint received 2018-02-05
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is incorrectly reporting to my credit. They have report my car payments late 7 times. When I in fact was not late and I have the proof that I wasnt late. My payments are due on the XXXX of every month but 7 different times when I paid on the XXXX they marked my payments as late and reported it to the credit bureaus. I made them mail me copies of my payment history. These are the dates they marked late but I have proof I wasnt late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I want these 7 payments credited to my account as made on time and I want the adjustment made with the credit bureaus. I also want the fees associated with these late payment removed because I wasnt late.
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I had the following account with XXXX XXXX XXXX for the last several years covering two cars. XXXX. Both of these cars were paid monthly using the autopay feature of the website. The lease on this car ( XXXX ) was extended by me over the phoen with XXXX. I was unaware at the time and was not told the monthly payment ( on the same ar was actually going up ) Either way that affected how the XXXX autopay system works as it was paying the old amount. The original payment was {$320.00} and the payment rose to {$340.00}. The autopay should have paid the entire payment which was due, not the old payment. That is highly unusual to set an autopay and the proper payment is not made. 

I called and was told that I had to manually turn off the autopay to make the payment and turn it back on which I did. I was then out of the country for several weeks and was unaware of any issue. I came back and once notified, this was corrected immediately.. In order to do this I had to turn off the autopay to make the {$79.00} payment. After making that payment I turned on the autopay which had been on covering both of my accounts for several years. Any issue that happened was a technical issue on the website. I have documented that every single payment on both of my accounts was always paid on time and on autopay since the loans were opened. 

I called the company on XX/XX/18 and they were unwilling to resolve this matter without me making a formal complaint. They have market my account delinquent which has a very negative impact on my credit.
Consumer complaint received 2018-02-06
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

I had a car accident on XX/XX/2017. I took a leased car on XX/XX/2017 from the XXXX of XXXX XXXX. The loan was pre-approved from XXXX XXXX XXXX, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Michael Harrison, Attorney at Law (NJ)

I think, not sure, I have a medical bill that went into collections on XX/XX/2014 with XXXX XXXX XXXX XXXX in the amount of {$25.00} and {$84.00} for XXXX XXXX. I have never received a bill from XXXX XXXX  and do not dispute it. I'm simply trying to pay off this debt. if and when I finally get through to this office. They are rude and abusive to the tune of " why did it take so long '' and " whats my problem ''. I looked up this Michael Harrison on the internet and XXXX and found I am not alone with these complaints and I am not truly secure with paying them through the mail or if I do that this will be expunged from my report. I simply want to pay the bill if it is in fact mine. How do I go about this? Their staff is extremely rude and I do not feel that as a senior I need to be abused in such a manor for simply inquiring about this {$110.00} so called debt.
Consumer complaint received 2018-02-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Assistance Corporation of America ("NACA") (AL)

I placed funds in an escrow account to cover repair expenses after closing on my home. I was advised I could pay for the repairs out of pocket and then be reimbursed from the escrow account that I put funds in before closing by submitting a draw request with receipts/bank statements and Notarized documents from the companies showing that a lien had not been placed on the property. I submitted all the information request yet NACA refuses to reimburse me from the escrow account that I put funds in to cover the repairs. I have reached out to them numerous times regarding this and request that someone from upper management contact me. All tries to resolve this have fallen on deaf ears. I have only gotten I reply that the funds are being applied to the principle of my home which is not what I requested. I want to be reimbursed for the repairs that I have paid twice for, furthermore the funds were not even applied to the loan. This has been going on since XXXX XXXX  2017.
Consumer complaint received 2018-02-06
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. (GA)

Previously XXXX XXXX in XXXX, Tenn are using deceptive practices against customers they cant collect on and pulls their credit report for their revenge. Recently I had a fraud alert placed on my account XX/XX/2018 and updated my NEW address in the state of GEORIGA where Ive resided since XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX pulled my credit report using my old information on file and phone number and obviously did not know I had an alert on my credit report. I did not authorize this inquiry and I would like for them to be audited to see if others may have been affected by this issue. After making this statement I will be calling the credit bureaus to dispute and have removed off my credit report. I did not authorize XXXX XXXX in XXXX Tenn to pull my credit on XX/XX/2018 XXXX
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (NJ)

To whom this may concern : On XX/XX/XXXX, I received a paper letter from " XXXX XXXX, XXXX '', a collection agency, in regards to a debt of {$2200.00} owed to PayPal. I have a current account with PayPal that has no apparent association to this debt. In this letter it is indicated that the debt is too old to sue for but could be " renewed. '' Immediately I contacted PayPal on this matter, was transferred to a representative I was told was in a department who handled fraud, and I e-mailed a copy of this letter to XXXX. I was told a fraud investigation would be undertaken and I could contact PayPal at my leisure in regards to this matter. 

About 5 years ago my identity was stolen and used to open utility accounts and other accounts without my knowledge, so when I finished speaking to PayPal I also filed a complaint with the Better Business Bureau and the Consumer Financial Protection Bureau ( CFPB ) to take all steps to enure my identity is protected and this matter is investigated to the fullest extent of the law. Today, XX/XX/XXXX, I received a follow up from CFPB with a response from XXXX XXXX , XXXX., who indicated that they had investigated this supposed debt, found there to be evidence of potential fraud, and returned the debt the PayPal Inc. With this new information, I contacted PayPal customer service who could not find any evidence of a fraud investigation being undertaken by PayPal in regards to this matter and referred me to the Collections Department, who mysteriously were unavailable and my call was dropped. 

I have no knowledge or record whatsoever of the debt to PayPal , Inc., nor can I understand how after spending so much time on the phone with PayPal on XX/XX/XXXX that no record exists of my fraud complaint. As of the the composition of this notice, I have spent more than 6 hours on and off the phone with PayPal Customer Service in regards to this false debt with PayPal having yet to take action as a result of those phone calls, and at about XXXX on XX/XX/XXXX I have e-mailed PayPal 's resolution center in another attempt to get a serious response to address this issue and have to now only received an automated message indicating the message was received and will be reviewed. 

I can not accept or allow XXXX to attempt to collect a false debt of {$2200.00} with the potential of having effect on my credit which I have spent the past 7 years rebuilding after I was a victim of identity theft between XX/XX/XXXX and XX/XX/XXXX. I wish to resolve this matter and am prepared to take whatever steps are necessary to ensure this matter is resolved, thank you for your assistance. 

Respectfully Submitted, XXXX XXXX
Consumer complaint received 2018-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Got again my credit score today and see that Capital One is still in with a hard inquiry. I never request a credit card from XXXX XXXX and it is still on my credit report. Already contact the company by letter never got an answer. Somebody used my identification and email. Was part of the abuse of identification by XXXX.

I would like that Capital One correct the mistake immediately.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MD)

n XX/XX/XXXX, I took over someone's lease at XXXX XXXX. After 3 weeks of residing there, I relapsed with a chronic illness and needed to move back home. I went and spoke with Assistant Manager XXXX. He told me that he would talk with his manager, but he was sure that I would be able to move without paying a penalty or other charges. Shortly after I moved out, I received a letter from ProCollect stating that I owed approximately {$76.00}. I called ProCollect to dispute that charge. Everyone I talked with at ProCollect was spoke very aggressively, harassing and threatening. They would not let me complete voicing my side of the story. They had erroneous information such as I lived in two apartments during my stay at XXXX XXXX. I tracked down the previous head manager, XXXX XXXX, that basically said he could not help me because his company no longer manages XXXX XXXX. I called XXXX XXXX who said they can not help me because they do not have the same computer system or my file. I then received a cancellation letter from ProCollect saying that my account had been closed. I figured they investigated the case as I had requested and found the error and closed my case. On XX/XX/XXXX, I saw that ProCollect had once again put an account on my XXXX  credit report stating that I owe {$1100.00} for unpaid rent and other items. I called ProCollect and XXXX and was put through the same headache as I was before. No one will help me with this erroneous account.