davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (GA)

Received a call from XXXX XXXX XXXX  XXXX threatening to arrest me and seized my bank accounts for {$3800.00}. The loan was written off by Speedy Cash in 2018. No Im getting threatened everyday by the Above. The loan was for {$400.00}. The company use many different numbers last number XXXX XXXX XXXX Usury fees and harassment I am still being harassed they keep selling the loan to people
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I paid off my vehicle at XXXX Mazda XXXX XXXX on XXXXXXXX XXXX XXXX. On XX/XX/year> I received a text message stating I had an overdue bill. I called Mazda Financial to sort it out and they said they dont have my payment of over {$19000.00} ( with state taxes fees they are due to receive just over {$17000.00} ). When I asked why not, the agent informed me the dealership JUST requested a payoff on XX/XX/year>. I explained its not my responsibility to figure out when their dealership sends over the payment, thats an internal issue. The agent told me to wait XXXX days to follow up with Mazda Financial , however Im concerned they will mark my credit as late when in fact the payment was delivered 4 days prior to the final day of the payoff ( XXXX XXXXXXXX XXXX ). Why is a dealership allowed to hold onto my money ( collecting interest Im sure ) while my credit is at risk of being damaged?
Consumer complaint received 2024-09-20
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I received a phone call on XX/XX/year> around XXXX pm from " XXXX XXXX '' stating she was in Bank of America XXXX department and asked if I authorized {$600.00} ( ish ) to another person. I said no and she said that my information has been part of a scam and transferred me to " Consumer Affairs ''. 
I then spoke with " XXXX XXXX '' and he explained that I had " red flags '' on my credit report and that I qualified for debt settlement program under " Fair credit Reporting Act '' because of my age and good credit, regular payments and no bankruptcy. He stated I should not be charged more than XXXX % interest. 
He named XXXX of my active credit cards ( without me telling him ) and knew all the information on my credit report such as XXXX XXXX etc. 
He requested XXXX of my credit card numbers, exp date, cvc code, and ss number. 
XXXX. XXXX card XXXX XXXX XXXX XXXX cards XXXX. XXXX I provided all of the information to them. 
They said that they would charge the XXXX card as part of the resolution {$7900.00}. 
I was instructed not to use my cards and they would close out and they would send me a " XXXX '' credit card for use : limit $ XXXX, at XXXX XXXX for XXXX months. 
He said that I was approved and would get within XXXX business days and guaranteed XXXX XXXX reduction on my debt. 
I was then " transferred '' to " XXXX XXXX '' a " senior advisor '' from debt relief solutions department. He went over all of the information and transferred me to the " legal '' department to set an appointment on XXXX and I was told that the attorneys would be paid for by the XXXX credit card. 
The line was disconnected during transfer to the XXXX department, and then XXXX came back on the line and advised to hang up and legal department would call back. 
I attempted to call the number given : XXXX ext : XXXX, and no one answered. 
I called again today XX/XX/year> and someone did answer and said it was " consumer affairs '' and would not state the name of the business and became rude when I did not provide my name. I believe that they called themselves Bank of America and XXXX XXXX as company name. 
I cancelled all XXXX credit cards within XXXX hours of this starting and notified FTC today by completing a Fraud Report vs ID theft report? unsure.
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/year> I attempted to transfer from my Coinbase Wallet to my Coinbase account & received the message : " Crypto Sends Restricted As a precautionary measure, to protect you against potential loss, we have limited your ability to send crypto. '' I immediately opened a support chat thread and was advised that I had to submit a copy of my driver 's licence as standard for the yearly update. I did so, while on the chat with support, & they verified it looked good. My account should be unlocked within a few weeks. 

After one month went by, I again started a support chat & was told that they needed some questions answered : Was this my account? Did I open it for anyone else? I answered in full, & asked how long until they allowed me to transfer again. The response was that this was given to their team, & I would receive an email update. 

It has now been 2 months & I can not access my assets, even to transfer them out, as I do not want to use this service for obvious reasons. 

Any assistance would be greatly appreciated, as at this point they are holding my money XXXX. 

Thank you in advance!
Consumer complaint received 2016-11-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

I ca n't get Carrington Mortgage to correct an erroneous escrow analysis. My first contact/request for correction was XXXX/XXXX/XXXX. CMS Customer Service submitted my request to Escrow Dept. and immediately cancelled it. Then I called them for a status on XXXX/XXXX/XXXX and CMS Customer Service had to submit it again. This time, instead of submitting to Escrow Dept. as an escalation, they just placed it into a regular queue. I called again on XX/XX/XXXX and still they had not started on it. I was transferred to their property tax vendor who said the Escrow Dept. would need until XX/XX/XXXX ( Saturday! ) to complete it. I called again on XX/XX/XXXX and still it was n't completed. I 'm angry and frustrated because they are increasing my payment by {$300.00} a month based on an erroneous property tax projection. Please help me. This happened to me in XX/XX/XXXX and it 's the same nightmare all over again!
Consumer complaint received 2024-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (MD)

I borrowed a personal loan in the amount of {$2500.00} from Instaloan/TitleMax in XXXX of XXXX. 

I've not missed a payment and pay monthly. I've relocated from XXXX, Florida to XXXX, Maryland in XX/XX/XXXX and have continued to make payments each month. 

In XXXX of XXXX, I spoke with XXXX, the store manager at the XXXX XXXX location informing him that I would be making 2 payments that month to try and get the interest down and get closer to the principal amount. When asking him how it would work, XXXX told me that after each {$100.00} dollars, I pay, {$100.00} would go towards the principal amount. 

This was a relief due to how long I've been trying to get it paid off. Not too long ago, I received an email from Instaloan staying that there would be an interest rate increase to 36 % for borrowers who borrowed on or after XX/XX/XXXX. 

Since I borrowed before this, I figured thus wouldn't effect me. 

2 days ago when I called to find out my payment for XXXX, I was told it would be {$300.00}. This didn't sound right to me, so I asked to speak to someone else and got XXXX. XXXX told me that he didn't know who gave me that info, but it was wrong. He stated that each month the loan is refinanced and unless I pay the original loan amount at once, none of my payments would apply to the loan. I told him that this makes it difficult to pay it off and that I would like to surrender the vehicle. I'm filing this complaint because I feel transparency has not been given and I request my case to be assessed for compliance based on the guidelines which govern title loan practices with consumers. Thank You, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC (NV)

I ended my contract with XXXX a year ago. A few months later their debt collector sent me a letter trying to collect over {$2000.00}. I responded asking for a list of what the charges are and disputing the bill. I didnt hear from them again. Today I contacted XXXX to try and use my phone for the government lifeline program but my device was locked. They sent me to their debt collection company Valor Intelligent Processing , LLC. The gentleman told me I needed to pay {$1300.00} to unlock my phone and when I told him I have been disputing the bill he began to berate me. I repeatedly asked for his name and he refused to identify himself and kept yelling at me to pay my bill. He eventually hung up on me after threatening me.
Consumer complaint received 2016-12-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SYNCHRONY FINANCIAL (NJ)

Kept calling me all hours snd still do..they told me I could settle my debt for XXXX. And then decided that was n't enough..they are charging me double of what I owe..and went into my account and hacked my computer ... .destroyed it..gave me a worm..threatened to take everything I own..they are suing me for the money I oue them..they said they can enter the Condo I live in, it does n't belong to me.. I was so scared..I do n't think this is right ... they held up my payment and charged me the highest interest.. I lost my job and had to take my early Social security, which is peanut..I asked to help me and they wouldn't.. it 's Walmart..
Consumer complaint received 2024-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

There was an old HELOC from Citizens Bank that had a XXXX balance that had been closed for several years that came up on a title search while I was trying to sell my single family home. Two weeks prior to closing date at or around XX/XX/XXXX, my real estate attorney requested a discharge statement from Citizens Bank and was told that they would ONLY speak to the borrower ( me ), so I called up ( XX/XX/XXXX ) and attempted to obtain a discharge letter but had no loan number ( this HELOC was over 10 years dormant/pain off ) and Citizens would not even tell me the loan number even after verifying my SS # and personal information. They then told me that it would cost me {$100.00} to generate a discharge letter as a " fee '' and despite arguing with them that we would record the discharge at closing, they would not even begin the process without this fee. So I paid the fee ( XX/XX/XXXX ) and was told it would take XXXX hours ( XX/XX/XXXX ) to start the process. Two days later I called back ( XX/XX/XXXX ) requesting something in writing saying that the discharge was in process so we could keep the closing date ( XX/XX/XXXX ) and the representative told me that they put the request into the " back office '' and that a letter stating they discharge paperwork was being processed would be emailed and mailed within 48 hours ( XX/XX/XXXX ), and now it is XXXX day prior to closing ( XX/XX/XXXX ) and I still have no paperwork and despite several calls to customer service with very ineffective and difficult representatives, I still have no paperwork nor do I have a discharge and the closing is in jeopardy and the entire sale may fall apart because of Citizens Bank and poor service. The only customer service rep ( out of about XXXX ) that was helpful was a woman named " XXXX '' who said she's working on it. 
Later in this request, the screen prompts me to provide a loan number or a mortgage number. As I mentioned, Citizens Bank would NOT provide this information to me even though I verified my identity and they indeed were reviewing the old HELOC on their end. The Case # they provided was XXXX that is all they would give me
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TX)

I received a settlement from Jefferson Capital and I paid the settlement amount. Once I paid they said I would get a welcome packet by email and I never have. I said why do I need a welcome packet since I am paying you off in full per the settlement amount. They have yet to update my credit reports.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

Hello theres several companies Ive contacted thats on my credit report and I sent Them ftc report and police report and they promised to remove the items from my report and have not done so this is illegal and Im needing to take action please help me get the negative items off my credit 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 2024-09-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Collection Management Holdings, LLC (CO)

I've been receiving calls before XXXX from this company, Credit Managment Company . They have a XXXX XXXX number, and I believe the account is from XXXX XXXX anyways. I live in XXXX, so I understand if they don't know I do ( I have for three years now ). But when going over my address, they have one of my recent, but not current, XXXX address. So they know I'm in XXXX but have been calling me right after 6am repeatedly. When I spoke to someone, I was told that the bill is from 2019. The name of the company doesn't ring a bell, so I asked for an itemized bill mailed to my current address in XXXX and I provided that. I was then told they have to have my email to send me the bill and they won't mail it. I have already given them my current address and they have my phone number- I want an itemized bill mail to me, not emailed. And they refused and said they couldn't do that. So between getting repeated calls right after XXXX, and being told I can't have an itemized bill sent to me, I'm a bit upset and don't appreciate these tactics from Credit Management Company XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I am filing this complaint against Pentagon Federal Credit Union ( PenFed ) regarding their failure to comply with 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 

Account Details : Account Number : XXXX Credit Reporting Agency : XXXX, XXXX XXXX XXXX XXXX XXXX 

Nature of the Complaint : XXXX XXXX XXXXPenFed reported incorrect late payments on my credit report without notifying me as required under 623 ( a ) ( 7 ) of the FCRA. This failure has led to significant harm, including health issues, XXXX XXXX, and a major decrease in my creditworthiness.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Frontline Financial, LLC (NC)

Agent XXXX XXXX stated that we owe {$2000.00} + dollars on a XXXX XXXX XXXX We don't have a XXXX XXXX card Remove the number they are calling from. XXXX
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. (CA)

I, XXXX XXXX, man, am over the age of majority ( XXXX XXXX ), am a creation of God-Almighty and a follower of Gods laws first and foremost, and the laws of man when they are not in conflict ( XXXX XXXX XXXX XXXX  ). Pursuant to XXXX XXXX and XXXX XXXX , let my yea be yea, and my nay be nay, as supported by Federal Public Law 97-280, 96 Stat 1211- Whereas the Bible, the Word of God, has made a unique contribution in shaping the United States as a distinctive and blessed nation of people, and Whereas Biblical teachings inspired concepts of civil government that are contained in our Declaration of Independence and the Constitution of the United States and Whereasthe Bible is the rock on which our Republic rests. I am also asserting my Natural and Unalienable Rights given to me by God the moment I was conceived. 

I have personal knowledge of the matters stated herein and hereby asseverate, understanding both the spiritual and legal liabilities of, Thou shalt not bear false witness against thy neighbor. 

RE : Blockchain.com 1. I was referred to them by a friend who mentioned they give 10 % on USDT coin. 

2. On XX/XX/XXXX I deposited {$5000.00} cash from my XXXX account to the new Blockchain.com account I opened. 

3. Right after the monies arrived into the blockchain.com account I read in their small print that they do not honor such returns for people in the USA. 

4. I went ahead and placed a withdraw on my money on XX/XX/XXXX. It was refunded back into the blockchain.com account ( not back to my bank as I selected ). 

5. I went ahead and placed a withdraw on my money on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX All where refunded back into the blockchain.com account ( not back to my bank as I selected ). 

6. I had emailed customer service numerous times, and they always urged me to try the withdraw again- which I did all those times, and still they are holding my funds. 

7. One response said I need to pay a fee of {$87.00} to withdraw, when actually it says FREE on their blockchain.com website, for a 1-3 business day withdraw ( vs the instant option which has the fee ). I replied to them that, and got no response to remedy the situation.

8. I had submitted a complaint on XXXX  on XXXX still waiting on resolution. 

9. I had called numerous times the number that blockchain.com has on their site ( XXXX ) - it goes to voicemail and urges to leave a message. I left a message on XXXX 

10. I advised customer service that I will be contacting the FBI and FTC. They didnt seem alarmed by that. 

11. I did submit a complaint to the FTC on XX/XX/XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting 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)

In accordance with the fair reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX I looked at my experian credit report and noticed somethings are incorrect and incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information Concerning the individual about the report relates according to 15 USC 1681EB and according to 15 USC 1681 I ( 5 ) they are supposed to do this 5 treatment of inaccurate or unverifiable information ( A ) In generallf after any investigation under paragraph one ( 1 ) of any information disputed by a consumer any item of information is found to be inaccurate or incomplete or can not be verified the consumer agency shall ( I ) promptly delete that item of information from the file.

And according to 15 USC 1681 S -2 They are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 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 View your credit report I AM A VICTIM OF ID THEFT NEVER GAVE PERMISSION TO ANY OF THESE CPMPANIES TO RUN MY CREDIT THIS WAS A THIEF TRYING TO GET CREDIT CARDS LOANS AND CAR LOAN
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Fraudulent Credit Inquiry Dear CFPB, I am writing to dispute several unauthorized inquiries on my credit report that I believe are fraudulent. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate information on my credit report, and I am requesting your assistance in resolving this matter. 
Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : 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 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 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 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 Experian I did not apply for credit with these companies, and I suspect that my personal information may have been compromised. I kindly ask that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Please let me know if you require any additional information or documentation from me to assist with your investigation. I appreciate your prompt attention to this matter and look forward to your response. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX