davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi my mortgage with Bank of America, loan number XXXX, property is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. I was discharged in a Chapter XXXX bk XX/XX/XXXX, the mortgage was included in the bankruptsy. The bank was to stop reporting the XXXX bk was dismissed. I shortsold the home for them after many attempts to modify the mortgage XX/XX/XXXX. XXXX issues XXXX the bank admits they was to stop reporting the mortgage XX/XX/XXXX, however continued to report until XX/XX/XXXX, they need to correct that with the credit vendors, they are well aware of this as they admitted it to me on the phone, yet have not corrected. Second issue is they have the home as a foreclosure in XX/XX/XXXX? It was not it was discharged in a bk XX/XX/XXXX, it shortsold through their shortsale dept in XX/XX/XXXX. This is damaging my credit as they have incorrectly reported it. I lost my job through the financial meltdown and had to do what I had to do. However due to their errors in not reporting the facts on my credit they are continuing to hurt my credit and cause me harm. I want it corrected immediately. I do n't want calls from them telling me they are working on it, I want it corrected. Its their fiduciary responsibility to report the affore mentioned events correctly and they need to be held accountable and get it right! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-10-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MI)

I have auto loan with XXXX XXXX. When opened I set auto payment, and in XXXX of XXXX I called inquiring what is needed to change my bank account for future withdrawals. They emailed me form, I filled in and faxed. Next month payment was not withdrawn, I called end of XXXX, and they claimed never received fax. I made payment over phone and set up net payment for XXXX same way in case auto payment would n't work ( was told at that time I can not set up auto payment for next 6 months because XXXX payment was missed which came to be incorrect ). Went on their web site and set it, and they withdraw twice on XXXX XXXX. Called on XXXX at XXXX XXXX, spoke with XXXX who told me they need me to fax my bank statement showing withdrawals. I faxed it on XXXX, than called on XXXX at XXXX XXXX and spoke with XXXX who confirmed they received it and that refund will be done by XXXX. Nothing happened so I called on XXXX at XXXX ( putting all times and dates so they can verify on tapes is this true statements ) and spoke with XXXX whose response was that they never received fax!!! When I confronted him with conversation with XXXX on XXXX he put me on XXXX minute hold and then they miraculously found my fax! At that time they said they need to put another request into system and it will take up to a week to receive. Since this was XXXX day since my money is sitting with them I asked to speak with someone higher, and at XXXX I was talking with XXXX XXXX who was " understanding '' but could not commit to expediting anything and passed me on to XXXX at XXXX. After me repeating all incompetence on their side, she became defensive and now claimed that my faxed bank statement is invalid, because I have XXXX all other charges on my account ( do not feel it is any of their business knowing what I am paying besides their loan ). They claim they have no way of finding proof on their end of charging me twice, which I find unbelievable. 
All of this is putting additional burden on my finances, and I will probably not have enough money to cover all my bills next month, due to Chrysler financial holding my {$530.00} for close to a month now. 
Asking for help
Consumer complaint received 2015-10-28
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (LA)

Have a rushcard loaded money cash on XXXX. Funds still not avaliableand its now XXXX. Keep calling a d sending emails only got XXXX reply saying cant access my info. Called back finally got through only to be transferred put on hold for XXXX and hung up on. I have XXXX kids this was groceries ang car insurance moneymy dad sent. Had to borrow from someone to pay it.
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OK)

I was issued a summons from Midland Funding LLC by XXXX, XXXX XXXX XXXX ( which lists a XXXX XXXX XXXX XXXX XXXX XXXX ) that also says XXXX XXXX XXXX XXXX with a " WRITTEN CREDIT CARD ''. Ending with a number of XXXX. 

I do not know or have no idea who and what these people are talking about. They have listed a previous employer. Which I no longer work for. I do not have a job. 

This summons says I have 35 days to dispute this debt in writing. 

This has to be some type of scam or fraudulent means of getting money out of me by someone who is impersonating me with a WRITTEN CREDIT CARD! 

THIS IS NOT MY DEBT! I ca n't believe this is legal. If there is anyway that you can help me with this I would greatly appreciate it. That is all the information that I have in reference to this absurd summons I was given. Not only that it is not my correct name. It is from when I was divorced.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

Equifax is showing a XXXX account open for {$46000.00} but they sent a XXXX and wrote this off. Account balance should be XXXX. I have sent copies of the XXXX twice to Equifax. 
This was removed from my husband 's account but not mine.
Consumer complaint received 2015-10-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I emailed, I called, I went into the branch and spoke with the manager who gave me XXXX XXXX from XXXX XXXX ; XXXXXXXXXXXX & gt ; to have get my checking accounts, credit cards, and any other statements since 2008. I have been emailing for 3 weeks and today called. I asked for a manager to contact me. I would like all bank statements since 2008. Wells Fargo has robbed me of XXXX in overdraft fees. When asked for a letter from the institution that does direct deposit saying it was their fault why deposit late, I got it. They still robbed me and laughed. The bank robs their customers.
Consumer complaint received 2015-04-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CO)

I used my debit card to make a large purchase for a laptop on Saturday ( XX/XX/XXXX ). Due to communication, me not understanding the limits on the card we ( the store and I ) agreed to cancel the transaction to get that information sorted. However, during the transaction my card was run through. My account was debited 1200 dollars in less than a minute. Since the daily limit is XXXX ( and I do n't have an extra XXXX floating around to accommodate the bank ) I was unable to make my purchase that day. I could have lived with that but now it is Wednesday and that transaction is still pending. If it had been an emergency I would have been completely stuck. 
I contacted Wells Fargo and they told me i would have to wait 3-5 days. My concern is that there is n't going to be any further communication from the merchant since it is an incomplete transaction. In previous dealings I have seen ligitiment transactions sit for weeks and they have blamed the merchant. Regardless of when or if it clears they should not be able to let transactions sit like that. 
Additional note ... I have been taking screen shots of that transaction daily. Everyday it is in pending the date changes which makes it appear as if it has been there for 1 day. This is deceptive.
Consumer complaint received 2015-09-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP (CO)

I was a military servicemember XXXX in 2010. Prior to my discharge i had an auto loan through US Bank which i never missed a single payment on. After bieng XXXX my finances changed dramatically awaiting my VA benifits. I tried to work out a payment arrangment with us bank and they would not accept it. They repossed the vehicle shortly after my XXXX XXXX months or so. XXXX XXXX attempted to help us get current on the payments byt US Bank would not allow it they said our only option was to pay the balance in full. When asked why we were told because we violated the terms of the lease when we no longer had an allotment payment in place, ( which was not even an option ) We later found out that US Bank lost a lawsuit for these illegal practices but we never found out how to do anything about it. It took almost XXXX years to start getting full VA compensation and im XXXX. We have tried to contact US Bank to no avail and the remaining balance of this loan is still negative on my credit and hurting me and my family a great deal is there anything that we can do?
Consumer complaint received 2015-10-27
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (TX)

Rushcard had an update to there system which locked me out of my account and I am unable to check my balance and all of my transactions are getting declined. My direct deposit deposited it and the wrong amount was marked up and them removed then a different amount posted to the account. I withdrew and paid as many bills as I could went back to get the rest of the money that was left in my account and it was gone my account know shows a zero Balance there should of been at least XXXX dollars left in the account know there is no money. I cancelled my direct deposit because Rush card customer service will not talk to me.
Consumer complaint received 2015-11-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KINGS CREDIT SERVICES (CA)

Kings Credit Services was paid in XXXX of this year for an old debt ( originating around 2010 ) earlier this year that was listed on my credit report as a result of a stipulation for qualifying for a loan to purchase a home for my family. In XXXX they served me and my spouse with a summons that they are suing us for additional old debt they found after they received the a check for the original listed debt. This collection agency never contacted us regarding any debt owed to them, nor attempted to collect it. The old debt was discovered by my lender on my credit report. Since paying them the collection agency has since filed a suit against me and my wife to collect additional old debt, ( approx : {$2500.00} in old medical services ), and in XXXX of this year listed the additional old debt from 2010 with credit reporting agencies, resulting in negative affects with our credit score. My question is if California has a statute of limitations on debt collection related to actions a creditor can take, how are they able to sue a time barred debt, and is n't that against the law? Not only that, the documents related to the medical services they sent me do n't match the amounts listed on the court summons for which they are suing me for.
Consumer complaint received 2015-04-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (AL)

I am a graduate of the University of XXXX XXXX. During my time at the University ( XX/XX/XXXX-XX/XX/XXXX ), I obtained XXXX ( XXXX ) private student loans from Sallie Mae to cover costs of tuition. Those loans have since gone into repayment with a monthly payment well over {$800.00}. I do not have the financial ability to repay those loans at that rate, nor is my cosigner able or willing to repay the loans. At the time I requested the loans, I was never made to understand the total amount I would need to eventually pay for all loans. I also never received any information about any options to reduce payments on my loans. I have been forced to request my loans be put into forbearance XXXX, and now I have only XXXX forbearance requests remaining. I mailed a letter to Sallie Mae detailing my financial situation, and asking for ways in which we could resolve the problem with lower payments. I submitted the letter on Wednesday, XX/XX/XXXX and have never received a response. I am willing, but however, unable to make payments on my loans. Due to Sallie Mae 's inconsistent and lack of communication with me regarding my account, I am at risk of going into default on my loans. The times I was able to reach someone at the customer service department via telephone, I received conflicting information from each person I spoke with and was left even more confused about the status of my account. Defaulting on my loans will not only be a negative outcome for myself but for the lender as well. I am currently employed in my field and working to progress in my career, but I simply do not make enough money to repay the loans and manage necessary living expenses.
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I send a certified letter to the creditor to this addresse ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to obtain a written verification documentation concerning the account dispute. sixty days pass without a response from creditor. I joined a copy of the letter to XXXX XXXX XXXX and asked Transunion credit report to investigate and the result came and state remain .the creditor keep updating monthly the account as charge off. after several call to the creditor they finally said that the account is transfer to XXXX collection agency since XXXX 2012. I wrote to Transunion again asking them to prove how their investigation was done and they should delete inaccurate information on my credit file. Transunion responded that the information is corrected and will remain. I need Transunion to delete or update the inaccurate information on my file.
Consumer complaint received 2015-11-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have XXXX XXXX XXXX card that I use for business purchases/expenses. XXXX of the main reasons I use this card is because I can defer the payment for 60 days. Over last few months because business being slow and other reasons my credit utilization debt/credit ratio changed. In the mean time an executive from XXXX visited me at the office and actively encouraged me to use the card more and was told verbally that he would see to it that my line can be bumped up significantly to XXXX. After next few days I get notified that my credit limit was reduced to {$31000.00}, and future charges were being refused. I have always used the deferred payment to manage my cash flow. My card payments were according to the terms that were promised, I do n't mind if they reduced my credit line ... but I just saw that they have deemed my account past due and in a suprise move taken away the deferred pay option. They want me to pay all balance by XXXX XXXX, which I believe is not correct. I wanted some XXXX to contact them on my behalf and resolve this before the due date.
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: ENCORE CAPITAL GROUP INC. (GA)

XX/XX/XXXX a creditor served somebody at my address and as a result there was a default judgment was issued. I have been trying to get verification of the debt because I think my ex-husband open this card in my name I tried to settle the debt and they would not give me the information in writing. XXXX they issued a garnishment against me and they did not call me to try and settle and XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle the debt or send me a letter. The first time I tried to settle that with them and did n't hear back I did n't pursue it because I had XXXX and I was in XXXX for several months and my daughter also had a baby.
Consumer complaint received 2015-10-30
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (AR)

I have been locked in and out of access to my rush card and account since XXXX/XXXX/15. I have called the Rush Card Company numerous of times just to be hung up on or stayed on hold for and hour. Since then I have been struggling to get food for me and my children, I 've had to think of ways to make it back and fourth to work because no access to money to get gas. I have missed XXXX weekends of moving my furniture out of storage including each week I have been charged fees to pay just to get my things and now unable to pay them. I have not been able to pay the rest of my car note, unable to go to my eye appointment because of the {$100.00} fee that is needed and now I have developed and ulcer in my right eye that needs antibiotics to cure or it will get worst. My phone was stolen and now without any money I ca n't get mobile and I have XXXX jobs in which XXXX jobs require me to have a phone so I ca n't resolve that issue ether. I have been reading were this problem was fixed and I have been calling them since Tuesday and the automatic system is saying that my card is not activated in which I never put in a request for a new card. I 'm stressed out to the max and have been having more then XXXX and I 'm just over all the lies that they have told me since XXXX/XXXX/15. As of XXXX/XXXX/15 was the start date that I have had no luck with speaking to anyone at Rush Card regarding my issue.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to follow up on the outcome of my recent disputes regarding inaccuracies on my credit reports. The consumer reporting agencies ( CRAs ) have indicated that the creditors have " validated '' the accounts in question. However, I am submitting this letter along with proof of Metro 2 compliance violations, which highlight inconsistencies and inaccuracies that demonstrate these accounts could not have been properly validated.

Accounts in Question are attached to this complaint Inconsistent Reporting Across CRAs : The reported accounts contain inconsistencies in key data fields, such as the balance amount, date of first delinquency, or payment history. This is a clear violation of Metro 2 compliance, which mandates uniformity in the reporting of credit data under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Lack of Proper Validation : The FCRA obligates CRAs to conduct a reasonable investigation of disputed information. Given the attached evidence, it is evident that the investigation conducted was inadequate and failed to resolve discrepancies.

Failure to Correct or Delete Inaccurate Information : Pursuant to FCRA 1681i ( a ) ( 5 ), if an item is found to be inaccurate or unverifiable, the CRA must correct or delete the information. The CRAs reliance solely on creditor validation without addressing the evident inconsistencies violates this provision.

Metro 2 Data Reporting Standards : The Metro 2 format requires that data be accurately and consistently reported across CRAs. Attached, I have provided documentation showing that the accounts in question are non-compliant with these standards, which further calls into question their validity.

Applicable Laws Supporting My Claims FCRA 1681e ( b ) : CRAs are required to follow reasonable procedures to assure maximum possible accuracy in the consumers credit report. The inconsistencies and errors identified clearly violate this section.

FCRA 1681i ( a ) : When a consumer disputes information, the CRA must perform a reasonable reinvestigation. The lack of effort in resolving the discrepancies outlined herein suggests non-compliance with this requirement.

Fair Debt Collection Practices Act ( FDCPA ) : If the creditors reporting these accounts are considered debt XXXX, their failure to validate these accounts may also violate 15 U.S.C. 1692g, which requires validation of debt upon dispute.
Consumer complaint received 2015-10-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This complaint could be much longer and include many more details, but I will keep it as brief and concise as possible. 
I ordered a watch from a merchant, which arrived with several defects. XXXX of the defects was bent hands, and I took it upon myself to straighten them myself. 
I carefully checked the merchant 's terms and conditions before I did this, and there was nothing which indicated doing this would invalidate the warranty. When I notified the merchant about the problem and told him that I had fixed it myself, he immediately acccused me of lying and blocked my from accessing his website by banning my IP address. I asked to return the watch for a refund, as the merchant obviously was not going to honor the stated 2 year warranty. My request was denied on the grounds that merely opening the watch case voided the warranty - even though this was not forbidden in the merchant warranty policies. 
I disputed the charge on my credit card through Capital One, who sided with the merchant. It turned out that in the merchant 's response, he fraudulently altered the terms and conditions on his website in response to my dispute, and then submitted those in his rebuttal. In other words, the warranty policy that the merchant relied on in the dispute was not the same policy that was in effect when I made the purchase. It was XXXX that the merchant invented specifically to deny my claim. 
I provided proof of this fraud to Capital One in the form of screenshots of the merchant website, but they would not change their ruling. They only said that they had to base their decision on the merchant 's policy, even though I provided proof that the policy was changed after my dispute was filed. The specific changes can be seen in this screenshot : XXXX 
Afterwards, I contacted the merchant again, asking him how he justified changing the terms whenever he felt like it, without even notifying customers. His response was that it was always the " intent '' of the policy, he just made it " more clear ''. Unfortunately, as a customer who relies on the text of the policy as stated ( not the merchant 's intentions at any given time ), this leaves me at a disadvantage. And I do not believe that Capital One and Visa properly took this into consideration during my dispute process.
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (TX)

Included my mortgage in bankruptcy chapter XXXX in XXXX of XX/XX/2008. Sent paperwork to Ocwen showing this was included. This was a joint account with my former husband. They are reporting my account late every month and XXXX days late. This should not be reported at all. It is due to come off my reports in XXXX but this has caused me hardship on my credit file. They have n't to my paperwork or acknowledge it since I sent it in to them. Please help me. This is against the stay of the bankruptcy courts.