davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

After around 10 years of at least 15 carriers and over 100 letters threatening to foreclose, litigation, in which a judge ordered the loan to go to arbitration around 3 to 4 years ago, a new company appeared out of no where and claimed they where the new carrier and told me they had no previous records of judgements or court preceding 's, nor any documents pertaining to the loan. 
as of around XX/XX/XXXX of this year, after many letters from several mortgage companies, Carrington mortgage, llc started sending letters claiming they were the new carrier of the note, ( one note, I had received a letter from the last carrier saying they would no longer be servicing the not and the insurance would be dropped ). around may I received a letter from manner, XXXX XXXX XXXX XXXX XXXX saying the foreclosure date was set for XX/XX/XXXX. I then ask an attorney, ( whom I have not retained but only ask for legal advise ) if I had the right to all docs pertaining to my loan and proof the carrier was a legitimate company and had the right, after I told the Attorney of my situation she called the law firm and said before you foreclose could we have the docs pertaining to the loan, the attorney for the mortgage co. said she would pass the info to Carrington and she would request a stay on the foreclosure. they postponed it for one month and 10 days. We took this time to speak with Carrington mortgage to obtain docs, such as transfer history, proof of carriers, loan payment history, ect. we received nothing. the lawyer ask me to do a three way to talk with Carrington on the matter, the conversation went nowhere and Carrington said they where foreclosing. they had no records, 0,  they did send us some loan payment history but you could not read it, and the Lawyer representing Carryington sent us and Altered Deed Of Trust. you could not even tell who's loan history it was. This, in my opinion is a scam to foreclose on anyone who is unsuspecting and because they refuse to show any documentation, I must conclude there is none.
Consumer complaint received 2018-09-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

I have never done business with Transworld Systems Inc. I do not have a signed contract with Transworld Systems Inc. I am not liable for collection from this debt of {$1400.00}. Transworld Systems Inc did not notify me in writing 30 days before submitting this debt of {$1400.00} on my credit reports. I reached out to ask Transworld Systems Inc for validation of debt which is my right. Transworld Systems Inc sent me a copy of a statement for XXXX XXXX and to the address XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, Tx XXXX. That is not my address nor my name. The statement provided by Transworld Systems Inc does not include my signature showing I, XXXX XXXX, have ever done business with them. Please remove this inaccurate information from my credit reports. Transworld Systems Inc needs to respond with me and handle all matters of this situation through the CFPB portal ONLY. Any other communication is inappropriate.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I tried obtaining an Equifax credit report through annualcreditreport.com After making several attempts i was instructed by the annualcreditreport.com website that my credit report could not be accessed at the time and was instructed to contact the credit bureau directly. I spoke with XXXX throught the Online Chat option and he instructed me to call the customer service phone number and get ahold of a representative. So I called XXXX which is the customer service phone number for Equifax. I explained the situation with the representative over the phone so she asked for my information for verification purposes and she told me that my address on file had not been updated and that my birthday was incorrect as well. She said she could process the request for a copy to be sent but that it would be sent to the address on file which is not the address that I am currently living at. I asked if there was anyway i could update or correct that information either over the phone or online and was told that the only way was to send a letter with a cover letter and a copy of my social security number, drivers license, and birth certificate. I was not satisfied with this answer as i was able to update and or correct information on my credit report through XXXX and XXXX with no issues. I contacted another Online Chat Agent and was told that in order to update/correct that information and get a copy of my credit report i would have to mail in copies of the required documents along with a cover letter explaining the reason for the letter or fax in the information. I do not feel comfortable either mailing copies of any of this information or faxing copies of this information specially after i was a victim of the Equifax data breach.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  continues to report fraudulent accounts on my credit report that don't belong to me because I am a victim of identity theft. They refuse to accept my disputes. This is against the FCRA. These accounts need to be removed. I have provided a police report.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

my account is showing that it was several months late, but I was unable to fix the problem because they were sending the paperwork to the wrong address. I have since XXXX given them my address and have bought the the account current. I believe the mixup came from me getting a divorce and them sending the paperwork to my ex-wifes address.
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (GA)

Hello, I believe that Chase Credit Card Company overcharged me for interest. I received my XXXX statement and the interest/fee was approximately {$25.00}. My balance is approximately {$2000.00}. I called to ask how they calculated the fee/interest. The man said they applied to interest rate ( approximately 14.50 % ) to the outstanding balance daily and arrived at the interest payment. I am really looking to understand how the contract changed.
Consumer complaint received 2018-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I set up direct deposit of my XXXX XXXX  Payment with XXXX XXXX for the first time. This was to start XX/XX/XXXXand I advised them of same. Approx 2 weeks prior, I updated my address, went in person with my lease etc.. On XX/XX/XXXX I saw the deposit. The morning of XX/XX/XXXX I called to verify its availaby. I was told check back at XXXX XXXX  and XXXX XXXX. BetweenXX/XX/XXXX-XX/XX/XXXXI called 9 times. I was barred from the online access so could not view the pending deposit. After the 3rd or 4tth call, I was told YOUR ACCOUNT IS SHUT DOWN FOR REVIEW. YOU HAVE NO ACCESS TO ANY MONEY, ONLINE ACCOUNT, DEBIT CARD. ETC. They said probably til Monday XX/XX/XXXX. I said who will I speak to MONDAY ABOUT THIS? I was told that a XXXX XXXX  froze my account. I advised XXXX XXXX  employees over and over that I was XXXX live alone with my dog, had no food for either of us, no medication, missed doctor appointment, no gas. I finally went in person to XXXX XXXXXX/XX/XXXX approx XXXX XXXX. I was turned away, told I HAD TO HAVE AN APPOINTMENT. Late in the day XX/XX/XXXX I Received Checks for this account. I went to the pharmacy, wrote a check for {$12.00} for XXXX as Id been ill 2 weeks. The check went through. I then proceeded to get a few groceries ( extremely extremely hard for me due to pain ). I wrote a 2nd check for the food. I was told the check was declined. The mngr called to question what happened and the person stated her bank is declining the check. I was forced to leave all my food and dog food there, leave the XXXX there, and ask for my {$12.00} back, which I received. I had only that to get food for myself and dog, and gas. Needless to say, we are starving still today XX/XX/XXXX
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

Someone used my identity to open up the following accounts, and I never had these accounts. Because of this, my XXXX XXXX XXXX and Chex Systems has a bad score for me. 

I never had : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-06
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: FIRST NATIONAL BANK OF OMAHA (NE)

I have a First National Bank ( First Card ) XXXX  XXXX credit card. My XX/XX/XXXX statement showed a {$59.00} annual fee. I called customer service on XX/XX/XXXX and told them to cancel the card as I was not interested in paying a {$59.00} annual fee to keep the card active. They said that they would cancel the card but that I would still owe the {$59.00} annual fee. I do not understand how that can be possible when I am cancelling the card. They said it is their policy that once charged, it can not be waived. Supervisor XXXX confirmed this policy. They claimed I was notified of this in my XX/XX/XXXX statement. I had NO activity during XX/XX/XXXX and did NOT receive an XX/XX/XXXX statement, nor does one appear on my " on line '' account. No XX/XX/XXXX statement  was generated, so I was not notified of their unreasonable policy prior to being charged. She could not explain that flaw in their system. The credit card was cancelled on XX/XX/XXXXbut they insist on leaving the annual fee on my account. In my many years of using credit cards, I have never had to pay an annual fee when cancelling a credit card within 24 hours of the fee being charged to my account without notice or approval.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

We transferred too much money to savings and our mortgage payment was withdrawn causing our account to overdraw by {$250.00} and two transactions on XX/XX/18 ( incurring two overdraft fees ). The following day Citizens Bank re-ordered all our debits to show a total negative of {$230.00}, but they made this up out of 5 transactions instead of the two that actually caused the overdraft. They listed the transactions by amount from largest to smallest to maximize the number of times they can charge fees. This wasn't the order the transactions were done in or the order they posted to the account and we have evidence showing this. I want the additional fees to be returned and I want the bank to stop ripping people off. I'd have preferred to deal directly with Citizens to get this fixed by their customer service department refused to even attempt to understand what the issue was. I will gladly provide more evidence and written testimony for a class action suit if needed and have filed complaints with the other state and federal agencies with oversight.
Consumer complaint received 2018-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to XXXX and TransUnion for 2 accounts and asked for validation which they never sent me but sent a letter saying it was verified for letters sent in XXXX, XXXX, XXXX and XXXX.XXXX took it off my report after dispute. I asked XXXX and TransUnion for specific details in which by law and the Fair Credit Reporting Act they are suppose to furnish to me and have not. I disputed with the creditor like XXXX told me to and still never got the documents I asked for but instead got a response that clearly violates my hippa rights and law. I sent the info to XXXX  And let them know they are reporting information for using documents that are violating the hippa law and still they continue to report the items and never gave me what I originally asked for. I am in the process of filing a law suit and this is my last step as I have documented the whole process. I have all documents I need to file law suite if this is not removed
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MS)

I was going into forbearance in 2014 when my XXXX account was sold to Navient. Navient busted my account into 8 different accounts. While Navient was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it.

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8. Yes, for each individual loan under the one Navient account, Navient reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and Navient. Result was Navient told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to Navient. Not my fault!!! Please help me.
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

XXXX XXXX Credit Dept. in XXXX, OH canceled my thirty year old account upon my husband 's death without notifying me. Simply stopped accepting my card when I placed an order with no prior notification. When I submitted the information they required to apply for a new card in my name, such as social security card, date of his death etc., they still have not issued a new card. Further, they denied credit card also to my XXXX daughter, XXXX XXXX XXXX who lives in XXXX, Or. and lives on social security and XXXX income from a trust fund.
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC (SC)

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to American Credit Acceptance which was received on XX/XX/XXXXat XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with American Credit Acceptance. American Credit Acceptance has not provided any means of documentation period. No chain of command, application, or contract, containing my signature has been provided on behalf of American Credit Acceptance which is a requirement in the court of law. American Credit Acceptance continues to violate the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through Ally Financial. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

1 ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
Consumer complaint received 2018-09-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (TX)

I had a loan with Conns Credit Corp that slipped into collections back in 2017. I want to resolve the outstanding balance, but Conns Credit is stating that my owed balance is {$6600.00}. I believe the remaining balance of the loan is actually closer to {$3000.00}. That's what my pay-off was when the loan defaulted. I have repeatedly asked Conns Credit for a detailed account history, documenting why they are asking for {$3000.00} more than what I actually owed. They have not supplied me with the documents I requested.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

i discovered an item on my credit that was opened in XX/XX/2013 the account in question is a Motorcycle loan from XXXX XXXX. 
An ID Theft Report was filled out, and sent to the major CRAs XXXX, XXXX, EQ. It should be noted because XXXX and EQUIFAX is now attempting to be in the XXXX XXXX XXXX they are violating privacy laws sending affidavits to various organizations without the permission of the victim. She requested the CRAs block fraudulent information resulting from identity theft, as required by Section code 605B Block of the Federal Credit reporting Act.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc. (GA)

XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that SANTANDER CONSUMER USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-09-06
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: Rocket Mortgage, LLC (IN)

I visited Quicken Loans website to see what my financing options for a mortgage. I was more interested possibly in a bridge loan because my home is paid off and wanted to sell my home and put the money towards a new home. Not knowing about Quicken Loans, I only wanted a soft pull for what info I wanted to give them without my Social Security or making any offers. After giving my address, email, phone # and a credit rating, my phone started to blow up with phone calls. The 1st guy that called ( I believe XXXX was his name ) was rude and did not want to listen to my needs. It seemed as if he had a document that he was reading off and I was annoying him with my questions because I wanted to cut to the chase and get my answers. I ended up hanging up. What has upset me was that they have sent my information to several lenders and my credit score went down 7 points by a company called XXXX that looked at my credit score 2  times, XX/XX/XXXX & XX/XX/XXXX. I contacted XXXX and they said that they are affiliated with Quicken Loans and I should dispute my credit with them. I was recommended to a employee name XXXX XXXX, an Resolution Advocate and she said that she could not help me and that the other Lead Resolution Advocate XXXX XXXX that she was going to recommend me talk to, was not going to dispute or help me out either. That ... .is unacceptable and what set me off ... .Obviously Quicken Loans don't care about my needs and took advantage of me and my credit score that would of giving me a lower interest rate. I will NEVER deal with this company again! I will be filing my complaints and reviews on EVERY consumer website to let the public know about Quicken Loans and their associates and be warned. If they would of taken the courtesy to disputed my credit score, I would of let this go!
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PNC Bank N.A. (MD)

I just received an alert showing a hard inquiry from PNC BANK that I do not recognize or have authorise. Please correct. Creditor Name : PNC BANK Inquiry Date : XX/XX/2018 Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.