davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (ME)

There has been an ongoing complaint for an collection account that shouldnt have ever occurred. Recently Ford through out process here identified they would correct the issue by letter. since that has happened my credit score for this account has been altered 3 times and still the information is not correct. im not sure what is going on with Ford and what they are telling the credit bureau. The last letter identified they would do this. Ford Credit is closing the account and will report the account as a Paid Charge Off with a XXXX balance.. and that has not happened and the account shows up and doesnt show up and my score has been adjusted by XXXX points just recently for a dispute resolved code entered on my credit report. this is getting out of hand. Its very upsetting to be continued to be dragged through this process and i feel i have been more then adequately patient. i keep hearing excuses on the behalf of Ford while they drag me through the court process and destroy my credit. I dont understand why this continues to happen? Ive been trying to get a car now for months and this incorrect accounting that has been going on and time frames Ford is stating continues to not happen then i am held responsible and accountable for errors or things Ford doesnt do. i really dont care what reasons the lawyers say. when it comes to me paying my bill i have to pay on time and if i pay late i get a fee, and i have to pay money to get an extension. i could have my car repoed. all these things if im not accountable and responsible to follow through on my end. now Ford seems to be playing with my credit, dragged me to court and now said they will clear my balance finally with the credit bureaus but still havent followed through. this is really unfair business. this is really impacting my life tremendously by informing me wrong and then dragging me through this process because of things Ford doesnt follow through with after they do all these things to drag my life through the dirt. I dont appreciate it! i would like this issue closed and i would like my credit corrected No charge off No balance due. just remove it from my credit so we can all move on with our lives.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Ive summated several documents to this company letting them know that the information is wrong and I did not give anyone permission to use my information nor did I give XXXX Written consent or permission to furnish any of that info on my credit report. 

Nor have XXXX or Equifax even Marked the response of my dispute in there system, its like it never happened and only when I call, and when I talk to customer service XXXX tell me they not doing anything about my dispute because they believe it was sent through a 3 party witch I didn't and ive told them that and have repeatedly sent several documents with ID, Proof of address and even sent in a FTC report. still no help its been months Ive talk to supervisor at Equifax let him know that ive called sent letters and he and have been trying to get these inquiries off for over an year and he Immediately apologize and said that the situation will be fixed immediately and I had nothing to worry about its been over an months since that conversation and still no avail.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/24 I made an appointment to access my safe deposit box located with and at USAA Federal Savings Bank, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX ; Safe Deposit = XXXX ( XXXX ) XXXX. I was advised over the phone to bring my safe deposit box key and identification ( nothing more ). I arrived early and was greeted by XXXX XXXX XXXX. I presented my TX drivers licensee and key. With that, I was not granted access to my deposit box. 
Instead I was asked, " What is you annual income? '' I responded, " What does that have to do with gaining access to my safe deposit box? '' She did not provide an answer, and said that for me to gain access, I had to answer the question. I asked, on what basis, and what business is that of yours anyway ( USAA )? She said that it was a requirement of USAA and they wanted to know their customers ( I have been one for 52 years -- they know who I am already. ) I then stated I would gain access by simply closing the safe deposit account. She responded that I could not do that until I first disclosed my annual income. 
I requested to talk to her supervisor. This was initially denied. XXXX XXXX then appeared after a 45 minute hassle. She repeated the stance. I asked for their legal authority. She responded that it was in the safe deposit agreement that I signed. I asked that she show me. She departed only to return to say, " it is not in there. '' So I again demanded access. It was still denied. 
So I said what is the authority that you deny me access. She said that it would be in the Patriot Act and I should go look it up. I replied that such was not an acceptable response and I requested that a USAA rep meet with me immediately who could justify the denial access. This was refused. 
I was then told they would waive the requirement if I wished to close the account. I chose not to do that and departed without access. XXXX XXXX said she would forward my concerns. 
This is an illegal intrusion into my privacy. I was not applying for a loan, only to access my safe deposit box.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates , LLC for multiple violations of consumer protection laws. The company has violated the following regulations : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Failure to provide accurate information : Portfolio Recovery Associates , LLC has repeatedly provided inaccurate information about my debt, including the amount owed and the original creditor. This has led to confusion and frustration on my part.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Failure to provide validation of debt : Despite multiple requests, Portfolio Recovery Associates , LLC has failed to provide me with proper validation of the debt they are attempting to collect from me. This lack of transparency is concerning and goes against the regulations set forth by the CFPB.

3. 12 CFR 1006.34 ( d ) - Unfair practices : Portfolio Recovery Associates , LLC has engaged in unfair debt collection practices, including harassment, threats, and misleading statements in an attempt to coerce me into paying the alleged debt. This behavior is unacceptable and violates consumer protection laws.

4. 15 USC 1681-S2 ( 7 ) ( A ) - Reporting inaccurate information to credit bureaus : Portfolio Recovery Associates , LLC has reported inaccurate information about my debt to credit bureaus, which has negatively impacted my credit score. This is a violation of the Fair Credit Reporting Act and has caused me financial harm.

I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against Portfolio Recovery Associates , LLC. I also request that the company be held accountable for their actions and that they cease all illegal debt collection practices immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. ()

I made a reservation for parking my vehicle near airport for vacation through my desktop computer on XXXX I cancelled the reservation later the same day all in accordance with the merchant 's deadlines to do so and was refunded XXXX XXXX  when the purchase was for XXXX usd. Per their website they are only allowed to refund XXXX  if one is using their app, furthermore they only gave less than 50 % refund. 

I disputed the charge with Citi Mastercard. The merchant replied, upon initiating the reply, the merchant revoked all XXXX  they rendered meaning I received no refund whatsoever now as opposed to a less then 50 % refund of virtual money. I submitted evidence which proves I acted within the merchant 's own refund policy, as seen in attachments, that they are not entitled to refund me XXXX, furthermore that the XXXX  were revoked, then all evidence of the transactions and the XXXX  was deleted by XXXX to cover up their malicious acts. This proves the merchant defrauded me. 

Citi closed the dispute in favour of the merchant claiming I did not follow their return policy even though the emails submitted into evidence are proof beyond a reasonable doubt that they were given the very evidence they purport to be absent to accept such a claim. No merchant who intentionally defrauds someone is going to give " valid credit slip or chargeback approval letter from the merchant to prove they agree you are due credit for this charge ''. It is the duty of Citi to protect consumers against such fraud otherwise it enables all merchants to do this to any consumer they wish to exploit, creating a positive feedback loop which encourages the illegal conduct. 

Citi 's policy in the end is to accept the merchant 's claim no matter what, threaten to destroy my perfect credit score to get me to pay fraudulent charges, and clearly XXXX is aware of such and games the system to exploit consumers in a manner which allows them to never refund anyone ever if they so choose. The dispute process is therefore a formality for show which offers no recourse for victims at all.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MD)

I had a fraudulent activity on my account dated back since XX/XX/2023. This involves my Synchrony Bank/Lowe 's credit card in which my account was charged {$17000.00}. Immediately I got the charges I alerted Synchrony Bank and Lowe 's. I went to the police made a report XXXX XXXX XXXX XXXX. I went over to lowes on XXXX occasions called a police trying to get a footage of the transactions. They refused to give it to us. I was on the line with lowes executive and Synchrony Bank asking why dont they coordinate to resolve this matter. Meanwhile it is still showing on my credit report affecting negative as it is showing I have used 75 % of the total on the card. Synchrony bank refused to give a letter to remove it off my credit.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc. (FL)

I have been trying to work with RP Funding, Dovenmuehle Mortgage on a forbearance plan for my mortgage and they have been fighting this all the way. I had to get Consumer Finance Involved and had a hud counselor assigned summer of XXXX as they were not willing to work with me by providing a forbearance plan : claiming that forms were not received, forms were not completed, etc. HUD counselor was very helpful but the forbearance plan itself was not offered. 
Again in XXXX, I reached out to you for help and my mortgage company came through with a trial payment plan. XXXX payments of {$3300.00} XXXX in XXXX, XXXX in XXXX XXXX in XXXX were to be made. 
To date, RP Funding/ Dovenmuehle mortgage has received the XXXX checks. The payment for XXXX arrived XXXX day early due. I resent the XXXX payment on the XXXX because the first payment which was sent by XXXX Mail was delayed due to storms. XXXX will confirm this. 
Emails were sent to the mortgage company regarding this with instructions that if both checks arrive, apply the one that arrives last to XXXX. This did not happen. Multiple attempts to resolve this with XXXX XXXX XXXX failed. 
I did speak to a representative in Loss Mitigation who told me that I had met the requirements of the trial payment plan and I should receive the details of the new payment plan by mail. He did have to look in the system to see the XXXX check but assured me that all was as it should be. He indicated that it was OK that the check arrived XXXX day before XXXX when it was supposed to come during the month of XXXX, The very next day, I am receiving more calls from the mortgage company. Seems they want to keep both payments but now require an additional payment of {$3300.00} as they did not apply this check to the reference number and trial payment plan indicated in the memo. 
When this happened, I reached out to HUD counselor ( my contact was no longer there, spoke with someone else ) they provided a number for " Escallations department '' at RP Funding/Dovenmuehle Mortgage. They agreed to make the call with as this has been helpful in getting XXXX co to respond appropriately. Multiple attempts to reach someone, no one ever answered the phone. 
I personally ( without HUD ) called this number a minimum of XXXX times in a few days, the line is never answered. Called XXXX  company many more times and get nowhere. 
The bank will not stop payment or dispute the check as they say it is not their business what the recipient does with the money? That is insane. 
I would like the extra " trial payment '' to be returned as I am sending another check to ensure that I can receive the modified loan I am entitled to but have been literally fighting the XXXX company every step of the way. 
There are SO many complaints against this servicer, I will be looking into a follow up of the class action lawsuit that was just completed against them for the same exact behavior.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have raised disputes regarding identity theft inquiries XXXX  with Equifax. However, they persist in refusing to remove the inquiries, citing an " Invalid FTC report. '' Despite submitting a valid FTC report containing all required dates and inquiry names, along with additional identity verification documents, Equifax has not provided any explanation for deeming the report invalid. The presence of these identity theft inquiries on my report is hindering my ability to obtain credit, exacerbating the urgency of resolving this matter promptly. 

Identity theft inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX MORTGAGE SER - XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (AZ)

I rented a car using my Barclays AAdvantage Red Mastercard ( XXXX, DE ). The original transaction with XXXX XXXX XXXX XXXX XXXX XXXX occurred in XX/XX/XXXX. 
On XX/XX/XXXX, an amount of {$16.00}, XXXX appeared on my credit card statement. It was listed as generated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the transaction with Barclays as I had not authorized the transaction. I contacted XXXX XXXX XXXX XXXX XXXX XXXX and informed them of the amount. Their resolution department stated that the amount charged to me was fraudulent and I needed to contact Barclays and initiate chargeback procedures. I contacted Barclays fraud department and the amount was removed from my credit card. It was then charged again on XX/XX/XXXX. The full amount is due on XX/XX/XXXX.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 

" XXXX XXXX XXXX XXXX '' " 2 Year Payment Description : '' " History Account '' '' XXXX XXXX XXXX XXXX XXXX  '' '' Account # : Account Status : '' '' XXXX Open '' " Account Type : '' '' Mortgage '' '' Balance Owed : '' XXXX " Credit Limit : '' XXXX '' Creditor Remarks : '' '' - '' " Creditor Type : '' '' XXXX XXXX XXXX XXXX  '' '' Date Opened : '' XXXX " Date Reported : '' XXXX '' Date of Last '' XXXX " High Balance : '' XXXX '' Last Payment : '' XXXX " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : '' " XXXX XXXX '' " 2 Year Payment Description : '' " History Account Account Type : Credit Limit : '' '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} '' '' Account # : Account Status : Balance Owed : Creditor Remarks : '' '' XXXX Open {$39000.00} - '' " Creditor Type : '' '' Auto Loan '' '' Date Opened : '' '' XX/XX/XXXX '' " Date Reported : '' '' XX/XX/XXXX '' '' Date of Last '' '' XX/XX/XXXX '' " High Balance : '' XXXX '' Last Payment : '' '' XX/XX/XXXX '' " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : ''
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Improper use of credit report, identity theft. Please delete following accounts.
XXXX XXXX XXXX 
Acct #XXXX XXXX XXXX
XXXX XXXX 
Acct # XXXX XXXX
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

Mortgage transferred from XXXX XXXX to Select Portfolio servicing, XXXX ( SPS ) on XX/XX/XXXX. I received a letter stating SPS needs to update information. 
XX/XX/XXXX - SPS sent An incorrect Escrow analysis to me. 
XX/XX/XXXX - Sent request to SPS to include hazard insurance in escrow. 
XX/XX/XXXX - Acknowledge letter sent to me from SPS. 
XX/XX/XXXX - Escalation Letter sent to me from SPS regarding the escrow account inaccuracies, issue would be resolved in 30 days. 
XX/XX/XXXX - Second acknowledgement letter sent to me from SPS for escrow account? 
XX/XX/XXXX - Extension letter from SPS sent to me, stating they are extending the request for a corrected escrow out 30 days. 
XX/XX/XXXX - Letter of apology for not including the hazard insurance on the escrow. No corrected escrow statement has been provided. 
XX/XX/XXXX - No escrow statement to this date of writing. 

I have made numerous phone calls, been transferred back and forth, to no avail.
Consumer complaint received 2024-02-14
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: OneMain Finance Corporation (NJ)

I have no payment due until XX/XX/XXXX. One Main has attempted to debit my account THREE TIMES since XXXX/24 for {$280.00}. I have reported this NUMEROUS TIMES ALREADY!! All of my checks have bounced for the last 2 weeks, because every time their hold drops off, they try to debit my account again. This is THEFT BY DECEPTION. You can delete these all you want. 
You tried THREE TIMES so this is THREE separate complaints.
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I made the payment due ( {$180.00} ) on my loans on XXXX XXXX days later Nelnet initiated a second payment for the same amount and then cancelled it. I did not authorize an extra payment and I did not cancel any payment. Nelnet is now reporting an overdue balance of {$180.00}. The Department of Education informs me they have reported my loans as being delinquent. I assume this is being reported to credit bureaus as well. I called Nelnet on XX/XX/XXXX and waited on hold for over an hour. The agent told me that requests would be filed with their accounting department and that the discrepancies on my account would be resolves within three days. Nelnet has not revised the status of my accounts since I spoke with that representative and I have received no further communication from them. My account still shows a past due balance of {$180.00}.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2023 I was a victim to identity theft stealing my email address, username and password without my authorization on four separate online bank transfers to another checking account with routing number in total {$11000.00} that wiped me out to zero balance! 

I immediately responded to BofA fraud department that guided me through my online checking account and directed me to another bank acct where my personal funds were transferred to without my approval! It was then sent to BofA investigation department for review. 

My submittance was denied twice that I or someone else had authorized these unlawful criminal transactions in which I was never aware of! Therefore, its highway robbery in disguise!
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC (FL)

Ongoing issues with UWM, we did not know our loan was transferred to XXXX XXXX and still have not received notice. Also, did not know our autopay was stopped, they claim delinquent funds however no evidence at my bank nor did receive any notification. 

We found out from a VA letter. UWM claims they tried to call and send a letter however nothing showing on our electronic correspondence or physical mail. They finally fed ex us a letter and included letter of late payment, however do not believe they really mailed it and possible made it up when we complained. They only responded after compaining to multiple agencies. 

UWM is trying to close our complaints stating it is resolved, but it is NOT. We still need notice of transfer and also our credit report corrected. 

We can not reach a real person to help and still have many issues with this company.