davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (OH)

Dear M'm/Sir : I am a XXXX year old citizen on Social Security. 
I received a letter in the mail yesterday, dated XX/XX/2020 demanding that I owe {$1500.00} to Alliance One Receivable Management Inc XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX Acct. XXXX. I don't know they are. On closer inspection it says their client is XXXX XXXX. 
This shocked me to the core. 
I didn't have any credit card from that bank. 
Now ... it makes sense ... I have been receiving several phone calls made to me for several weeks from XXXX -- XXXX ( I never pick up the phone unless I recognize who's calling ) I am on pins and needles since last night with worry and anxiety. 
Either this is case of ID Theft ( as it happened to me a few years ago ) or it's some serious case of Fraud to terrorize a senior citizen. 
I am speechless. 
I hope U.S.Government punishes these domestic terrorists so they can't terrorize others like me. 
I live in a public housing and am struggling to keep the wolf from the door. 
I need and seek your help, please. 
I don't know what else to do. 
Thanks, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Consumer complaint received 2018-01-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

My XXXX XXXX was deemed a total loss after an accident on XXXX/XXXX/XXXX. My insurance carrier, XXXX, issued GM Financial a check to pay off the vehicle in the amount of {$22000.00}. A copy of this check was emailed to me and, to confirm, XXXX stated that this check was cleared/cashed by GM Financial on XXXX/XXXX/XXXX. When I log into my GM Financial account online, it still shows that I owe my XXXX lease payment ( due on XXXX/XXXX/XXXX ). When I called the number listed to speak to a staff member regarding this billing error, I was told that they do not have any record of this check. Even when I confirmed that they had cashed the check and are now double-billing for the car, they suggested that I contact XXXX ( who has n't done anything wrong ) to fix the problem. The staff I spoke to in three separate instances yesterday offered no help in how to go about fixing my account. I want GM Financial to correct their error to show that I owe {$0.00} and to also issue a letter stating that they will correct any adverse reports submitted to any credit reporting agencies because as of today, XXXX, they are stating that I am late on my XXXX XXXX lease payment.
Consumer complaint received 2020-09-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RS Clark and Associates, Inc. (TX)

RS Clark and Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas, XXXX Phone # XXXX I wrote them in spring of XX/XX/XXXX, after I got a demand Letter from them. They were tasked to collect {$330.00} for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, phone # ( XXXX ) XXXX I wrote them, and told them on XX/XX/2018, I paid the check to XXXX. 
They did nothing. 
I called XXXX XXXX. They said I need to take it up with Collection Agent. I wrote RS Clark and Assoicates to remove the Derorgatory in XX/XX/2018. It only lists as paid collection. 
This had hurt my credit, and they continue to not return calls or letters to fix this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/2018 RS CLARK AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : XXXX XXXX XXXX, Credit Report, File # XXXX XXXX XXXX XXXX Dear Sir, This is the second and final time, I will demand that you remove this negative item from my Credit Report. 

I wrote you last spring, with proof showing the bill to XXXX XXXX XXXX was paid! 
It remains in the report. 

Please remove this at once. 

Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX I would appreciate your help. 
This check was # XXXX on XX/XX/18 {$330.00} on XXXX XXXX XXXX bank acct XXXX XXXX
Consumer complaint received 2020-09-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian has again failed to delete credit inquiries at the 2 year date. This is in violation of the lax and is an ongoing issue with Experian. 

On XXXX an inquiry from XXXX was placed on my credit report. That inquiry should have bee deleted from credit report on XXXX. 

On XXXX an inquiry from XXXX XXXX XXXX was placed on my credit report. That inquiry should have bee deleted from credit report on XXXX. 

These are legitimate inquires. Their deletion is overdue. 

Note : This and other issues are being compiled for the law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

I was shopping for a first mortgage and I came across Amerisave on  XXXX. I am currently in the process of a refinance so I thought I would compare pricing. I filled out the information except for SSN etc because I did not want my credit pulled while in the middle of a mortgage process. I told XXXX XXXX knew my debt ratio, my value, my 3 credit scores and the LTV I wanted for cash out. She refused to tell me what the rate could be, but insisted on finishing the application, pulling my credit can collecting a XXXX dollar NON REFUNDABLE "  good faith '' fee she called it. She said it was to insure I do not drop off the face of the earth after we start the application. After asking if this was necessary, she insisted it was to get a rate quote. I knew this was a violation of DODD Frank and it reminded me of the days of Ameriquest and XXXX. After resisting her aggressive demeanor to collect the XXXX dollars and pull my credit, I just hung up. 

I proceeded to give her another chance and emailed her again on XX/XX/2020 to resolve this issue and just get a quote without collecting a fee or pulling my credit. I even asked her to check her rate sheets with the information provided. 
She stated she would not do that and that she had other people to help instead. 

Why would I have to pay a non refundable fee to see what my rate could be? Never asked her to lock in a rate just a basic quote with the information provided. I had the the LTV, DTI, credit scores and that it was a primary cash out refinance. She had all the information she needed to check the rate sheets but refused unless I " paid to play ''.
Consumer complaint received 2020-09-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/2020 i filled an online dispute # XXXX with Equifax that was incorrect please have it removed. I also filled an online dispute with XXXX # XXXX on XX/XX/2020 please have it removed.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Is not just me is happening to many people, I have a credit card with chase they was offering me {$500.00} Bonus to open a saving and checking account what i did after i transfer {$15000.00} from my XX/XX/XXXXXXXX, they send me a email that my chase account has been blocked without not reason, Beware with # {$500.00} BONUS # CHASE # Bait and # Switch on # Chase Beware with Chase Bank offering {$500.00}. We locked your account to protect it from suspicious activity. https : //www.consumeraffairs.com/finance/chase_bank.html If you have concerns about the authenticity of this message please visit chase.com/CustomerService for options on how to contact us. Your message wasn't delivered to XXXX because the address couldn't be found, or is unable to receive mail. The response was : The email account that you tried to reach does not exist. Please try double-checking the recipient 's email address for typos or unnecessary spaces. 

Upon multiple recommendations I set up a Chase Bank account online. Everything proceeded smoothly and I had an account ready in a day. However, multiple problems occurred after this. First my account was locked over possible fraud because I tried to transfer money from my previous bank over via an external account transfer. I called Chase 's support line and after approximately 2 hours holding I was told I needed to go into a local Chase branch with two forms of ID to unlock my account. 

Several days later I was able to do so, but now they told me they can not unlock my account and had to call it in themselves. By this point both my checking and savings accounts had been deleted because my account was suspected of fraud. 

The branch representative said I then had to wait until their fraud department called me and verified who I was. So I waited several hours for this. Once that was done, I could return to the branch several days later to reopen a checking/savings account and set up a credit card with automatic payment.
Consumer complaint received 2020-09-04
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (AZ)

I have a loan with XXXX XXXX XXXX XXXX and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and DISCOVERBANK with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Rushmore Loan Servicer as of XX/XX/2020 has 1. stopped sending monthly statements, 2. refused to speak on the phone with us regarding the missing statements and 3. regarding our modification application. Rushmore, even though is our Servicer, said we must only speak with their attorneys XXXX, XXXX XXXX XXXX. We refuse to speak with any adversaries at a law firm and demand the Servicer, Rushmore, speak with us the customer and provide monthly statements as required.
Consumer complaint received 2016-04-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (MI)

Refusal to provide refund I made a purchase using Paypal Credit. The merchant was XXXX and I order XXXX items and was supposed to receive them expedited. I filed a complaint with Paypal Credit case # XXXX when I had not received my items in two weeks. About a month after the original purchase XXXX sent me XXXX items that were completely different than what I ordered. Meanwhile Paypal closed the complaint stating the seller had provided shipping information. I immediately contacted Paypal who told me that he correct the issue and I would be receiving a full refund of my XXXX. That was over two weeks ago. Every since then I have been getting the run around. They told me that I needed to file a complaint about the company, which they never mentioned this during the initial call. I did so with the XXXX Complaint Id : XXXX and Paypal still closed the case. I have sent them several emails and have not received a response. I want a refund plus the interest I would have received if they had returned my money when I initially requested it plus the interest they are charging me on Paypal credit!
Consumer complaint received 2020-09-04
Product: Credit card or prepaid 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. (CA)

I have a credit card account with Citibank, with last four digits XXXX. 
I have called them many times to dispute a charge of {$620.00} from XXXX made on XX/XX/2019. 
However, citibank reps over the phone refuse to accept or acknowledge my dispute in violation of Federal Fair Credit Act.

Citibank is racially discriminating against me as a person of XXXX.
Consumer complaint received 2018-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BMO Bank, N.A. (IL)

I am a single father with XXXX children. I signed into a contract with the bank XX/XX/XXXX when I was going through a divorce. I was making payments on this mortgage until XX/XX/XXXX when my monthly payments went up over two thousand dollars A month what they where ( because I was n't able to make A property tax payment ). This was the first time I contacted the banks Loss Mitigation Department. After going to Loss Mitigation Department they keep coming back with payments that where just to high for me to handle and I informed them of that. On XX/XX/XXXX I received a court document stating complaint to foreclose mortgage. When I received this document I contacted the banks Loss Mitigation Department again. Because I was not able to come up with the money they where asking for on a monthly basses. I then started looking into selling the house so that I would be able to pay off the bank holding the mortgage. I put the house on the market looking to sell it as is. I was finally able to find a buyer in XX/XX/XXXX. While going through the process the relator found that the house was sold in a Sheriff Of XXXX  County Sale. I was told that the law in IL was the bank would not be able to put the house up for sale prior to one year of me being notified, which would have been XX/XX/XXXX. I found out they had sold it almost five months early than that date. I was told I needed to contact the banks loss mitigation department. I contacted them and informed them I needed a copy of my loan file, all communication efforts by the bank and or legal team. all they sent me was the XXXX XXXX XXXX XXXX paper work from XX/XX/XXXX. Today I received a Final Eviction Notice along with Order Confirming Sale Dated XX/XX/XXXX. It states that no defendants appearing before the court. I did not know about this court date or any other court date prior.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Debt from XXXX XXXX of {$1200.00} it statesXX/XX/XXXXThis debt was originally from my ex-wife. She opened an account without my permission while I was XXXX serving on XXXX XXXX. I found out about this debt in spring ofXX/XX/XXXXa year and a half after our legal separation. In the divorce proceedings this debt was awarded to my ex-wife and she is responsible for the repayment of the debt. I sent this information to XXXX XXXX XXXX in the summer of XXXX. I had received no word and upon checking my credit report it is still listed. I called today, XX/XX/XXXX and was informed by a representative that they do not honor divorce decrees with debt settlement.
Consumer complaint received 2018-01-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Green Trust Cash, LLC (PA)

I received a {$350.00} pay day loan in XXXX. To date, funds are still being deducted from my checking account. I was told my last payment of {$13.00} will be paid on XXXX/XXXX/XXXX. I have paid back over {$2200.00} on a {$350.00} loan.
Consumer complaint received 2023-11-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within XXXX ( XXXX ) days. XXXXXXXX XXXX XXXX XXXXXXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2023-12-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to you with great urgency and frustration regarding a fraudulent collection account that appears on my credit report, allegedly owned by your agency. Despite previous communications, this matter remains unresolved, and I am now insisting on the immediate deletion of this account from my credit report. 
Account Information : XXXX XXXX XXXX XXXXXXXX- PLEASE REMOVE!! TU have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have previously disputed the legitimacy of the alleged debt associated with the account mentioned above. I have provided evidence supporting the fact that this account is the result of identity theft and fraud. Despite my efforts, this fraudulent collection account persists on my credit report. 
I am irate and deeply concerned that this matter has not been resolved promptly. The fraudulent nature of this collection account has not been proven, and its presence on my credit report continues to cause significant damage to my creditworthiness.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

MY COMPLAINT IS AGAINST 'CAPITAL ONE BANK XXXX  CARD ; ' ACCOUNT NUMBER ENDING IN XXXX ; ' I PAID THE XX/XX/XXXX STATEMENT, IN PERSON, AT THE XXXX NY BRANCH, ON XX/XX/XXXX -- FIVE DAYS BEFORE THE DUE DATE ; BECAUSE I INADVERTENTLY PAID THREE ( 3 ) DOLLARS LESS THAN THE MINIMUM, I WAS CHARGED A {$39.00} 'LATE FEE ; ' ON XX/XX/XXXX, REFLECTED ON MY STATEMENT DUEXX/XX/XXXX ; I QUESTIONED THIS 'LATE FEE ' WITH MY REPRESENTATIVE ( XXXX ) AT MY BRANCH IN XXXX XXXX NY , WHO SAID SHE WOULD CALL 'THEM ; ' ON MY BEHALF ; SHE THEN CALLED ME, AND SAID TO CALL 'THEM, ' AND 'THEY ' WOULD REMOVE THE {$39.00} 'LATE FEE ; ' AS A RESULT OF MY CALLING THE 'CUSTOMER SERVICE NUMBER, ' I WAS TOLD 'WE DO N'T REMOVE LATE FEES ; I SUBSEQUENTLY CALLED THE VIRGINIA CORPORATE 'CUSTOMER SERVICE ' NUMBER, AND SPOKE TO AN 'XXXX ; ' AGAIN, SHE REFUSED TO REMOVE THE 'LATE FEE, ' BUT INSTEAD 'GRACIOUSLY ' DEDUCTED ' {$39.00} ' FROM MY SUBSEQUENT BALANCE ; IN OTHER WORDS, THIS BANK REFUSES TO ACKNOWLEDGE THEIR MISTAKEN LATE FEE CHARGED BECAUSE OF A LOUSY ' {$3.00} SHORT ' PAYMENT ; WHICH COULD EASILY HAVE BEEN ADDED TO MY NEXT BALANCE ; TO BE CHARGED A 'LATE FEE ' DESPITE MY '5 DAY BEFORE DUE ' PAYMENT IS PATENTLY ILLEGAL
Consumer complaint received 2020-09-03
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank Of America committed corporate theft by withdrawing finds from my back account for a minimum payment due when there is a XXXX  balance. 

I called the service number on the back of the card on XXXX at XXXX XXXX, XXXX, " XXXX '' justified the corporate theft by stating auto pay is set up for the account. It is, and I responded that I am looking at the auto pay parameters and it states the minimum payment will be processed, but there is no balance? I terminated the call after XXXX decided again to justify the theft committed by Bank Of America.
Consumer complaint received 2018-01-17
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (GA)

Navient has written off my private student loans as a loss. They continue to misreport the loans on 8 separate trade lines each month. 

I have written to Navients supposed attorneys who contacted me but I dont believe they were a true law firm. I requested copies of my original promissory notes to determine if I owed them as much as they say I do. I have received no response to my requests and they continue to illegally report 8 negative accounts with them. 

If they cant provide me with proof that they own my loans and the original promissory note terms these trade lines must be deleted. If they have written off these loans than they need to eliminate these trade lines. 

I also was threatened on a recorded line by a supervisor to an employee named XXXX XXXX. She was XXXX in ethnicity and asked me what my employer would think if they knew I had a defaulted student loan. Navient also sent fax requests for information to my employer when they had no legal basis to do so and I specifically told them not to contact my employer. 

Navients behavior and false reporting is causing my credit score to remain low and I can not buy a house. Please investigate this corrupt operation.
Consumer complaint received 2016-03-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I was approved for a loan modification with Nationstar Mortgage in XX/XX/XXXX, but it was an adjustable interest only rate of 3.0 % and it will end in XXXX XXXX. I will not be able to afford the mortgage once it doubles next year. I applied for a loan modification for a new fixed rate for 30 years but was denied because Nationstar Mortgage already gave me this terrible modification and said that my application resulted in a negative NPV ( Net Present Value ). I used the government website, XXXX and it says that I have a positive NPV and easily qualify for a loan modification. I just want to be approved for a fixed 30 year interest rate that will no go up so I can keep my family in our home.