davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I have requested a recast of my fixed rate conventional mortgage loan. The investor is NOT XXXX XXXX or XXXX. It is my understanding it has been sold to a private investor and serviced by Ocwen. I have been told my loan does not qualify for a recast but they refuse to tell me if this is an internal guideline or a regulatory requirement. I have not requested an extension of the term, only that the loan be recalculated on the new lower balance in order to lower my payment. If there is a regulatory ruling that prohibits the servicer from honoring my request please direct me to the publication I may review so I can better understand their position. The only thing that would change on the loan is a lower principle balance and the newly calculated payment amount. These funds are coming from a probate settlement from my deceased Aunt. Thank you for your attention to this matter.
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Currently check systems has a fraud alleret on me, as well as the other company 's used by banks to open an account. 
I have tried to get it off, but I ca n't. I do n't owe any money to any banks. 

This is from XXXX XXXX XXXX. 
I wat this removed asap. This is making my life hard to live. 

And it is not true
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I got restriction with my bank Capitol One 360 and they told us to call their number XXXX XXXX XXXX. I called four times and it was more than 1 hour each call and I got no one to answer my call. This is very frustrating, so I called regular bank and they said I must talk with security team and that is the only option but they are not answering any calls.
Consumer complaint received 2017-08-07
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: Sierra Holdings LLC (PA)

someone opened an account as defined in the FCRA without my authorization causing a debtor status to be placed upon me. Now this negative information is reflected in my credit file.
SIERRA AUTO FINANCE LLC ACCOUNT # - XXXX alleged balance XXXX  SIERRA AUTO FINANCE LLC ACCOUNT # - XXXX alleged balance XXXX
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP (OH)

This is in response to my dispute with Key Bank over transactions from XXXX that I DID NOT AUTHORIZE. There are {$5000.00} in fraudulent transactions from this merchant. In your letter to me you say that the charges are considered authorized. What??? Show me a receipt with my signature and I 'll let this drop! I did NOT authorize these transactions. I am NOT going to let this go! I 'm attaching the letter you sent me. Nowhere in your letter is there any proof of these transactions being authorized! Show me my signature! You 're just trying to take advantage of a XXXX man!
Consumer complaint received 2023-03-09
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)

IN accordance with the fair credit reporting act XXXX  account XXXX XXXX has violated my rights 15 USC 1681 section 602 States i have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (OR)

The Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 7 ), and Section 611 ( 5 ) ( A ) requires credit reporting agencies to verify all accounts posted on a credit report or delete the credit report. The FCRA requires verification by the credit reporting agency actually holding the original signed consumer contract and providing a copy of that contract upon request. I have requested verification by Experian ( 4 notarized letters by certified mail ) and Experian has ignored my request. Under the FCRA, unverified accounts must be removed. Experian 's failure to verify means my accounts must be removed from their database, which Experian refuses to do. Please have Experian comply with the FCRA and either provide the verification or delete unverified information from my consumer file.
Consumer complaint received 2016-11-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Credit Card Receivables Fund Incorporated (FL)

XXXX XXXX ( FBN XXXX ) represents Unifund CCR , LLC in a lawsuit filed against me. This debt was from XXXX of 2009, which is well beyond the statute of limitations for Florida, F.S.S. 95.11. Because of unforeseen events, I was unable to attend the court hearing for the judgement. Since then, XXXX XXXX has continued to attempt to illegally collect this debt through grnishment of wages.
Consumer complaint received 2016-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (TX)

National Credit systems sent a XXXX page excel sheet printed off from a computer screen and claimed this was enough information to report a collections account to all XXXX credit bureaus. this was after i filed a verification of debt within the thirty days given to me. i could dispute each charge placed in my name and also believe the original creditor knowingly violated a number of statutory laws. national credit systems continues to contact me even after i have written them to cease contact. they continue to attempt to harass and put a strain on me and my families well being without being held accountable.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an XXXX  XXXX  helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX {$3000.00}, XXXX XXXX XXXX XXXX {$27000.00}, XXXX XXXX {$460.00}, XXXX {$2000.00}, XXXX  XXXX {$1400.00}
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a customer of capital one for 10 years. I was told when I opened the account I would receive a increase which would help build my credit but have yet to see either I 've applied for a increase several times with no results. I know multiple people who have gotten there credit limit increased within a few months of opening there accounts and I have n't got one in the 10 years of opening mine
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (AZ)

Progressive Management Systems has been furnishing false and unauthorized information regarding an inaccurate debt of {$920.00} on my credit report. This third-party debt collector has consistently harassed me despite my repeated efforts to resolve the matter and correct the inaccuracies. The debt in question is not mine, and the continued reporting of this false information is a clear misrepresentation of Progressive Management Systems. I demand an immediate remedy, as this situation has caused undue stress and harm to my credit standing. To address the issue, I have already filed a police report, and I insist that all erroneous information be removed from my credit report without delay.
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (PA)

Receivable Management is reporting an auto insurance debt on my credit report from XXXX XXXX. I do not owe any outstanding debt to XXXX. I currently have a policy with XXXX. They would not have given me the new policy if i had an outstanding debt.
Consumer complaint received 2016-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (MI)

A billing error occurred with XXXX XXXX. They were supposed to credit my account and did not. My account was sent to " collections ''. 

I received a mailed notice from Convergent Outsourcing stating that the notice was sent from a collection agency. 

My home received 15 hangup phone calls with no message left. My wife returned the call, concerned that there was some sort of issue. The man who answered the number stated that they were trying to contact me regarding a debt, but were NOT a collection agency. Thus, he lied to my wife. 

I spoke with a representative at Convergent Outsourcing who stated that their company policy is not to leave messages because they do not know if the number is correct. This is an admission that they call numbers they do not know to belong to the party involved. Further, they also stated that they are not a collecting a debt and that this is in " pre-collections ''. This is another lie as the letter I received states " This is an attempt to collect a debt ... ''. 

Lastly, The letter is from Convergent Outsourcing with an address in XXXX, WA. However, the return address is from XXXX with an address at a XXXX XXXX XXXX XXXX, MI. A third party is being used to attempt to collect this debt, which I believe to be in violation of the FDCPA. 

In the end, I spoke directly with XXXX XXXX and they apologies for not applying the credit appropriately and have rectified the issue. I am, however, livid with Convergent for spamming my house with calls ( with no message ), lying to my wife, lying to me, and using third parties to send notices and place calls.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I need you to attend the following shown items in this letter which cintains data taken directly from my credit report which you have provided. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX TX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Delete these unconfirmed inquiry lacking certifiable evidence unless physically certfied verifiable proof is demonstrated per U.S. CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have fulfilled my request, mail me an uodated credit reporting reflecting these changes.
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

The paypal account can not be Linked to the bank and withdraw cash. I have called the customer service representative many times, but I have not been allowed to Linked to the bank and withdraw cash. It has brought huge troubles to my life. Please XXXX help me! thanks
Consumer complaint received 2022-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL (AZ)

The XXXX XXXX turned my application over to Synchrony Bank which would handle the actual financing. I am presuming that my credit was satisfactory but there was the strange question of identification. First I was told that I could not complete the application on my XXXX despite the fact that it has a camera. I was told that I need to go to XXXX XXXX XXXXXXXX on a smartphone ( which I do not have ) and follow the instructions. 

So, I borrowed a neighbor 's XXXX and found that I needed to take a video of myself that met certain exact standards and photograph the front and rear of my Drivers License or State ID Card. 

I am XXXX XXXX XXXX and have some XXXX XXXX XXXX XXXX as most people my age do. My lack of manual dexterity in my hands and fingers ( which comes with age ) makes it difficult for older people to operate a smartphone. Still, I was able after two tries to make photos of both sides of my State ID Card. However, I simply did not have the manual dexterity to make the somewhat complicated video in the short time that the software allowed. I think that I could have done it with more time. This is probably the case with most people XXXX XXXX XXXX. 

I doubt that other people my age could do this easily unless they are very experienced in operating a smartphone. This appears to me to be age discrimination since I asked Symphony Bank  to consider my excellent credit and the fact that I had three other accounts with them for identification. 

I made several phone calls but no help was provided to me.
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (PA)

Its the policy of my bank, Wells Fargo not to cash checks made out to anyone if its more than 30 days old, my understanding is that require the person, or company to get another check issued if its more than 30 days old. Wells Fargo cashed a check to the city of XXXX for XXXX, on XX/XX/2016 for check dated XX/XX/2016, which cause my account to be overdrawn, because the replacement check was cash on the same day. City of XXXX claim they did not receive first check for XXXX, so I sent them another one for same amount. { # XXXX } I called Well Fargo [ XX/XX/2016 } to inquire about the reason they cash check XXXX, since it was 30 days old, The representative stated that it was their policy, but that the city was at fault for holding check so long, and that there nothing they could do. 
My question is, why have the policy if you do not follow it?
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bella Sloan Enterprises (FL)

On XX/XX/XXXX I paid {$750.00} For credit repair services that where never rendered. Its been exactly XXXX XXXX since I paid for services through this company and nothing has progressed, I reached out multiple times through out the year for a resolution as to whats going on with my file and why do I not see any changes or any communication from this company. I didnt not receive a clear answer until XXXX of XXXX from a representative named XXXX on XX/XX/XXXX XX/XX/XXXX I emailed in regards to my account and what exactly is going on since there has t been any improvement or movement for the services I paid for. I emailed them XX/XX/XXXX with No response I emailed them again XX/XX/XXXX XXXX and they never responded when I asked for a refund. I called consistently for XXXX  months with no response or answer XX/XX/XXXX I called customer service and was told they issued a refund to a closed checking account on XX/XX/XXXX and was told they have to wait 5-10 business for the payment to return an they will mail me the refund check. XXXX  is XX/XX/XXXX and I have not received my refund payment nor have I heard anything back from this company I have emailed and called and they have disconnected the customer service number. I have messaged the owner XXXX XXXX and he just reads the messages and never respond at all.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aargon Agency, Inc. (NV)

I spoke with a rep from this collection agency Aargon Collection Agency Named XXXX who advised me that I owed for an XXXX XXXX Bill from XXXX 2016 to which I advised him I would have to contact the original Company to inquire what this bill was about. He then advised me that He would call XXXX XXXX XXXX Police on me about this bill, when I requested to speak to his supervisor she said that he did not day that, my husband was listening in on the call and was very adamant of what this XXXX said. I am aware of the FDCPA rules and making a false statement is a violation of these rules claiming to involve Law Enforcement when there was no intention to do so. This happened today XX/XX/XXXX at XXXX XXXX PDT
Consumer complaint received 2017-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

( 1 ) I, XXXX XXXX was accepted for an auto loan from Automotive Credit Corporation through XXXX XXXX XXXX XXXX in XXXX CA on XX/XX/XXXX. On XX/XX/XXXX I spoke with a loan rep named XXXX from ACC that finalized the loan. During this conversation XXXX advised me that I will be receiving loan and payment information via mail with-in a week from our phone conversation. Since our conversation I havent received the loan or payment information which was supposed to be sent to me. But what I have received is several calls from your employees that tell me my loan is in default, but no one to date have sent me loan information to make a payment. I am requesting my loan and payment information sent to me via US mail. ( 2 ) I, XXXX XXXX have received your correspondence, dated XX/XX/XXXX that states YOUR ACCOUNT REMAINS PAST DUE. YOU MUST IMMEDIAETLY REMIT {$320.00} IN ORDER TO BRING YOUR ACOUNT CURRENT. As I previously advised this company, XXXX a loan representative told me I would receive car loan information via US mail. But I wasnt provided any information in regards to my car loan via US mail. And still to date the only response to my request to get car loan information dated XX/XX/XXXX is a letter demanding a payment more than quoted to me by XXXX XXXX a representative from your company. According XXXX who only provided me with payment information via phone quoted my loan payments to be {$300.00}. Those are two of the letters I sent ( 1 ) XX/XX/XXXX and ( 2 ) XX/XX/XXXX to acquire information regarding my auto loan # XXXX to ACC. Since then the only response from them have been threatening letters. Also I have made a complaint against XXXX XXXX XXXX XXXX with multiple reporting agencies for forgery. XXXX XXXX XXXX XXXX responded to the Better Business Bureau on XX/XX/XXXX was that I was on repossession status and I should rescind the loan. However, the checked for XXXX was received by ACC and deposited on XX/XX/XXXX.
Consumer complaint received 2017-02-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (TN)

I recieved a loan for {$460.00} about five years ago from Advance America. I was contacted by one debt collection agency XX/XX/2016 and paid them {$700.00}. Then XX/XX/2016 I was contacted by a XXXX debt collection agency, XXXX XXXX XXXX. They informed me I had to pay over {$800.00} or I would have a summons sent to me and have to appear in court. I proceeded to pay them because I believed this debt was possible late fees or extra charges. I paid {$840.00} and recieved a reciept via email. However I was contacted by a XXXX debt collection agency saying I have to pay {$700.00} or I 'll have summons sent to me and I 'm very angry and confused as to where over {$1500.00} has gone too because Advance America says in their system I still owe {$460.00}.
Consumer complaint received 2017-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I deposited a {$17000.00} cashiers check at Chase bank in XXXX Illinois on Friday XX/XX/XXXX. On Monday XX/XX/XXXX my bank account showed that the check cleared. On Thursday XX/XX/XXXX I received an email that funds have been taken out of my account as of XX/XX/XXXX and that I need to " refer to maker '' [ of the check ] for the reason. I contacted the maker of the check, XXXX XXXX, who provided paperwork dated XX/XX/XXXX showing that the check has been paid as of XX/XX/XXXX ( so funds should be in my account ). I have correspondence from XXXX XXXX providing the details of this check and that nothing on the customer 's side or customer 's bank side appears to be the cause of this problem. My bank, Chase bank, has not only been unhelpful in providing answers about how a good check I handed them is now a bad check ( per the branch manager ), but they 're doing nothing to help fix [ what appears to be ] their error! The bank manager at the Chase bank in XXXX IL has been rude and condescending, and I feel like I 'm being discriminated against as some working-class schlep who 's trying to cash a " bad check ''. If one bank is showing this check has been paid, and my bank said it has not been paid ... where 's MY money sitting right now? What is the path my check took from the moment I handed it to Chase Bank, and where 's the money sitting now? I 'm getting absolutely NO HELP from my bank. Ive spent 3 days so far working to figure out a major bank error instead of running a business to make money. Im now afraid to deposit checks at Chase bank.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (VA)

I have tried multiple times contacting Citi for help with my credit card account, each time has been unsuccessful. The first time I waited for 30 minutes and hung up. Second time I waited for an hour before hanging up. An email to customer service yielded a generic apology and reference to how I could not receive a refund of my annual fee.
Consumer complaint received 2016-07-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BBVA FINANCIAL CORPORATION (OK)

I requested a due date change to avoid additional late fees and negative marks on my credit and was told that it was approved on XXXX/XXXX/16 but was informed that it will not be approved on XXXX/XXXX/16. I also requested assistance when I was unable to make a payment.