davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (CA)

Name of the company - Ford Motor Credit Account # XXXX Reported six inaccurate 30 days late payments to the credit bureaus. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name of the company - XXXX XXXX Account # XXXX Reported four inaccurate 30 days late payments to the credit bureaus. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a prior complaint ( XXXX ) with Capital One in which they agreed to update the reporting status of my account from Derogatory and Charge off to paid in full. I received a letter dated XX/XX/17 where they said they had notified credit bureaus of the update and to wait for changes to be processed. It is now over a year and a half later. I have called multiple times to have the issue resolved to no avail. I am requesting that Capital One Auto Finance do as they promised and reflect the account status properly.
Consumer complaint received 2017-10-05
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 — Problem with personal statement of dispute
Company: Ability Recovery Services, LLC (NC)

I tried to reach a settlement for some type of medical bill that hit my credit last week but was dated back to 2015. I can tell its a small office because I kept getting the two same rude employees. The guy said his name was XXXX and the girl said her name was XXXX, but I dont believe either of them. She kept hanging up on me when I asked for a supervisor after she was refusing to give me information on the bill and wouldnt give me a settlement amount. She said, Nope, {$830.00} Im full, have a good day ( sarcastically ) and she hung up in my face. Even when I told her she was being recorded she still hung up. The guy was just as rude and when he picked up and I asked for a supervisor he transferred me to her I guess trying to be funny. I need to reach a settlement amount with this company and once its paid I need to make sure they dispute it off of my credit. The employeees there are NASTY, and those two need to be terminated. I remember the womans voice distinctively. Can someone please help me resolve this issue! I went on the BBB website they had one positive comment, and 146 complaints. And many recent. And they were complaining about the same two people! Something isnt right. The name of the company is ABILITY RECOVERY SERVICE in Wyoming, PA.
Consumer complaint received 2018-06-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I realized that I was induced into a fraudulent agreement on my auto loan with USAA bank and XXXX XXXX XXXX ( XXXX XXXX XXXX ) The companies failed to disclose to me key contractual information, namely that they never, gave me money/legal tender at any point. They also failed to disclose to me that my signature fully monetized the note, which they were paid the XXXX dollars they claim I owe them, then they induced me into making payments on a fraudulent agreement, which I got nothing of value in return. USAA misrepresented the banks ability to lend me money. They worked hand in hand wit h the car dealership know as XXXX XXXX XXXX aka XXXX XXXX  XXXX. I want the title to my property being a XXXX  XXXX XXXX, and all payments, and late payments made under UCC 2-720 and UCC 2-721. Additionally I never autherized USAA or XXXX XXXX  XXXX to use my business name XXXX XXXX, I'm the only authorized user of the name XXXX XXXX. Please notify XXXX XXXX of USAA and XXXX XXXX  XXXX of XXXX XXXX triplex to return my property, and pay me my money back today.
Consumer complaint received 2018-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Select portfolio servicing inc. acquired my adjustable mortgage in XX/XX/XXXX i called in early XX/XX/XXXX to set up ( during the 60 day xfer period ) i was told it's {$15.00}. to make a phone payment! but free as a first time call they could schedule up to 3 months payment! they said it takes a month to get the auto payment set up on there web site! 
next they called in XX/XX/XXXX to tell me that i was 30 days last since XX/XX/XXXX 
clearly i don't work at SPS so it's impossible for me to have personally made the data entries and apply all 3 payments a month late? i don't even understand how any bank could even allow this happen??
Consumer complaint received 2018-06-17
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. (TX)

Experian gave my information out without law required proof they have gave out credit report to companies without my permission like XXXX XXXX XXXX XXXX XXXX XXXX. Experian has stuff on hard inquiries they companies on me report have never herd of me when the company checks they get back to me and tell me they dont see me ever having an account with them or even applied companies above is dome of the 50 companies on my hard inquiry that I have checked and the company 's never heard of me, when I filed a complaint Experian blocked me from calling writing and online account. I have applied for credit and they gave out false information to them. Then when denied credit they refuse to give me a free credit report, and When I get a report from a third party the refused to let me do a dispute. Then they even went as far as to call the XXXX, Tx police department telling me not to write call or even do anything on line with them so them refusing to do so they by federal law can not report my credit they have to remove anything I disputed then they even had a representative even threaten me. And one of the files is what they sent me on a resolution and a report nothing there
Consumer complaint received 2018-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I have opened an account with Coinbase more than 3 months ago and deposit a large sum to purchase crypto currency. They locked my acccount for more than 3 months now. I have no access to my account and dont know what is going on with my balance when I called customer service at coinbase they were helpless. They responded by oh sorry but we have our specialist working on the case and we could not tell you how long it would take? I am worry about my money and dont know what they do with it. Please investigate this matter case # XXXX
Consumer complaint received 2018-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (NY)

My mortgage company CMG Financial is not allowing me to be considered for homeowner assistance or loan modification programs. I bought my home with an FHA loan and there are several different programs available that could help me, but CMG has not reviewed my documents or paperwork to determine my eligibility. Each time I call them to try and fix this problem I speak to a different person and they continually lose and misplace my documents. I dont know what is going on with their process and their company, all I know is they are not following the rules.

After we bought our home we had some major damage and needed to do extensive repairs. I had just had a baby and was on maternity leave and not working at my optician job. Due to the damage we actually moved out and rented for a while during the construction work. However, we ended up having squatters move into our home and it took much longer to eventually get them out and for the repair work to be completed. Due to all of these factors we struggled and ultimately fell behind on the mortgage. When we contacted the staff at CMG they were initially helpful and said they would send out an application for us to complete. However, this was never received despite multiple requests for the paperwork. We then went online to get the application paperwork and began sending it in to their loss mitigation department. We were never able to speak to the same person twice. Our documents were constantly being misplaced or lost and we were never able to get an actual review completed. We received many letters from CMG about our missed payments and that we needed to resolve the matter. On the back of these letters CMG would give us a number to call if we needed help. We called the number many times to try and get help, and we were told by their agents that they would send us a NEW application that they would personally review. Once again, we never received any applications. Now we are getting notices for court dates and falling into foreclosure. This is very distressing.
I have worked as a XXXX  XXXX  for the last 11 years and make a solid living. My husband supplements the family income by working as an XXXX XXXX. We have XXXX  young children who call this home and we need CMG to allow us access to the government homeowner assistance programs that are available for distressed FHA loan borrowers. To date we have YET to be reviewed for any of these programs, instead we are transferred from one place to the other making no progress and falling further behind. This is wrongI thought that CMG Financial is required to review my documentation and evaluate us for the various programs that are available? All we are asking for is a fair shake. I am hopeful that your agency can intervene on our behalf.
Consumer complaint received 2017-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX of 2017 I had deposited a check of XXXX and XXXX dollars cash through a chase ATM drive through but the cash never deposited into my account just the check. Right after the incident of the ATM stealing my money I filed a claim with the bank giving them the information from the receipt. They deposited XXXX into my account while the claim was being reviewed but fast forward towards the XXXX of XXXX they take the money back out. Once again I call to see what the isssue was and this bank tells me that the cash I deposited was n't able to be found. Now how in the world is that possible money does n't disappear out of thin air and this is n't the first time it happens to me with this bank. I still have the receipt from that transaction as well. It 's ridiculous to think a bank is blatantly stealing my money. I mean for crying out loud ATMs have cameras they can check that I deposited that cash on that date
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I called Citi Bank regarding a letter received about being enrolled in an Optional Debt Program without my consent. The letter gave no information other than the last four digits of a account number, a tracking number, and a reference number. I had to go online to locate a customer service number to inquire as to when this occurred and the account number. I called Customer Service ( XXXX ) XXXX-XXXX and spoke to XXXX. She read a scripted message referring me to the " refund website to file a claim ''. I asked for further information and she said she had none and also refused to give me the Corporate Office phone number or address. When I told her I ca n't research my records without a account number or time frame she hung up on me. I called back and asked to speak to a Manager and was transferred to XXXX. She also read from a scripted message and said they had no other information. I then realized that this problem sounded like the Consumer Fraud problem that happened at XXXX XXXX and they must be trying to correct something they did illegally. I now see that they were also caught adding illegal charges to their customers since XX/XX/XXXX and have to pay out a large sum of money to current and former customers. It 's a shame that Banks have done this for years and do n't have to provide records to the customers who want to verify for themselves how much they are owed. Why should we trust them now for a refund when they claim to have no information on the account? How do we know they are suddenly honest? Is there a way to verify my account as the letter says " our records reflect you were enrolled in a Credit Protection program without your consent ''. Should n't they have to provide me with the information since it 's still in their records? 
They should also train their employees in Customer Service how to talk and handle customers, but of course why should they care if they cheat and lie themselves. 

XXXX XXXX Reference # XXXX
Consumer complaint received 2018-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (IA)

Our current mortgage was with XXXX XXXX. We received a letter stating our mortgage loan was sold to BSI Financial services. XXXX XXXX informed us within the 15 days our loan was being sold to XXXX XXXX. XXXX XXXX would start servicing our loan XX/XX/2018. It is now XX/XX/2018 and we have not received any type of letter informing us that they are our new servicer. 
A gentleman has called us but he only asked us what was our plans pertaining to the house. ( yes, we our behind on our mortgage but filing bankruptcy with plans to keep the house ) I asked him where our introductory letter was as that is required by law? No response. XXXX has failed to follow the law in regards to the sale/transfer of a mortgage. 
Please inform myself what my rights are under the law and who I contact to pursue action against XXXX. Such as what type of attorney ( real estate attorney etc.. ) As I plan to pursue to the fullest extent of the law. 
XXXX XXXX XXXX
Consumer complaint received 2018-06-18
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (FL)

On XX/XX/2018, at the suggestion of the agent for XXXX, a XXXX of XXXX XXXX, I sent via email ( address given by him ) a detailed letter and revised 'RIE ' form, attached here. 

After some weeks, I got a call from XXXX XXXX of that firm which I returned the next day. 

He was belligerent and interrupted me when I told him that the figure his QC 'people ' had arrived at was neither reasonable or affordable ; he refused to give me anything in writing at which point I terminated the call. 

He has violated their own Manual, attached ; furthermore, XXXX XXXX own materials speak of 'monthly payments as low as {$5.00} .... ', a category that suits my disclosed income and expenses. As importantly, when I pointed out that no one had requested me to document each item -- which I then and now am prepared to do -- he demurred, simply repeating that his 'supervisor would tell me the same thing ' -- i.e., that I had to pay $ XXXX  monthly vs. the {$99.00} he had previously quoted on a then current RIE form.
Consumer complaint received 2018-06-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPL Recovery Solutions (CA)

XXXX from JPL Recovery Solutions has been harassing my friends and family members, even immediately after I called and spoke to them. They have no reason to talk to any of these people, unless it's to get my whereabouts, and since I am in contact with them, this is nothing but harassment of them and me. 

I told XXXX, I regret this situation. I acknowledge my obligation. Im committed to repaying you in full, and as quickly as is possible. My financial situation is difficult and unclear at this point. I will be back in touch with you in two weeks to discuss a repayment schedule. 

XXXX would not accept this and kept harassing me on the phone. When we hung up he immediately called a friend of mine, woke her up, and harassed her to " Get information on XXXX. '' In addition, they have attempted to contact the mother of this friend ( whom I have never met ) to talk about this delinquent loan as well.
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I am having online access for my XXXX Citi XXXX cards for more than XXXX years ... it was working XXXX days back also ... now all of a sudden it stopped working ... i knew my userid and password very well. 

When called Citi - they are telling that I do n't have online access to my account which is not accurate. 

Later I have to create userID all over again and have to manage all my accounts all over again. 

Citi is falling under it 's own weight. There seems to be some hacker 's attack on citi due to which the userIDs have stopped working.
Consumer complaint received 2018-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

Experian continues to report that two accounts with XXXX XXXX are past due and that one is in collections. I disputed this and within seconds of disputing the accounts, Experian responded saying that the account was reporting accurately. Both XXXX XXXX reporting on my credit report is incorrectly reporting and Experian will not allow me the opportunity to dispute this. I do not believe that Experian ever investigated this situation. I contacted XXXX XXXX who shared that they haven't received anything electronically indicating that I was disputing this.
Consumer complaint received 2018-06-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is has been compromised due to fraud. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting 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. (FL)

I did not authorized these companies run my credit report XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Problem is with XXXX XXXX XXXX This is why XXXX is clouding they making a extra money off of laym excuse on the statement closing date XX/XX/2018 My balance was $ XXXX and i made {$1100.00} credit I have been told by the XXXX represanative that when credits made to the account is greater than my balance it wound cover my payment but they charged me {$27.00} late fee anyway Credit cards started to XXXX off the consumer again I think XXXX should be fired from cfpb Represanative are rude robot like unwilling to lessen and they are judge mental and refuse to resolve the issue
Consumer complaint received 2018-06-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (DC)

Since I had graduated from XXXX University XXXX to get XXXX Degree and then went to University XXXX XXXX to get XXXX Degrree in XXXX. 
I have a issue with my Navient loans interest accruing daily and I don't have a job to pay the interest but looking for a job, have been applying and mostly no calls back. I have 18 types of loans with Navient and each loans have different interest percentage and I have apply for the Income Driven Repayment Plan and I pay {$0.00} for Principal, but the interest is keep growing everyday about {$8.00} a day and if you multiply for 31 days, that means interest grow about {$250.00} or more dollars a month on my Navient account and I don't really have the money for the interest and plus that would put me in debt even more. The Loan Education Department should only let interest rate grow when borrowers have a job and pay for it. Interest should not when they don't have a have job. The interest rate should also be {$0.00} a month until I find a job.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK (OR)

XXXX XXXX XXXX  2 Accounts keep recording incorrect information on my account as well as XXXX. These accounts are listed by the FTA local authorities and every other credit reporting agency available including credit account freezes etc. I have sent certified mail etc included all identifying information asked and they continue to report identity theft fraudulent information on my accounts, these accounts are not mine. Fraud! I have certain rights by law!! 
Discover Bank fraudulent account XXXX XXXX XXXX  Fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX fraudulent reporting XXXX XXXX tires and credit accounts Fraudulent not correctly reporting, I have receipts of accounts paid in full, My bank XXXX XXXX XXXX. XXXX fraudulent spending of deposited checks fraudulent. I have contacted local and fta and froze every other credit reporting. I have a truck and student loans that is it this needs to stop Im a victim, please help