davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WINN LAW GROUP, APC (CA)

I was mailed a judgement this weekend. The judgement was for a credit card I shared with my ex husband over 10 years ago. He agreed to pay this debt in our divorce. I have not received any collection notificAtions or a summons to court in regards to this matter. I was simply served a judgement. The account is so old it does n't even show on my credit report so I can obtain the date the card was closed. It is far beyond the statute of collections as per the California site I looked into. I am not sure how they can enter a judgement without my presence or notification on a debt so old I ca n't even get information regarding it 's validity. For all I know my ex husband paid it years ago.
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

This complaint is in reference to a personal checking account that was opened during the year of XX/XX/XXXX. The account is currently closed. 

Approximately around early XX/XX/XXXX, I walked into a branch in XXXX ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document known as the : Paid Item Check Intracycle to confirm and verify that a series of cashier 's checks were purchased and paid to the payee described in the instrument. ( XXXX XXXX ) I spoke to a banker named XXXX and explained how critical and important it was to receive these documents since I am a plaintiff for a lawsuit related to an illegal foreclosure. I explained the narrative of my case and even advised I have a court trial in early XX/XX/XXXX.I left him copies of all the Cashier 's Checks and he assured me I will receive this information in a timely manner. During mid XX/XX/XXXX, he provided a folder and advised all the information was contained inside. Upon reviewing the documents, I only received one document referenced as : Paid Item Check Intracycle form for one Cashier 's Check purchased XX/XX/XXXX ending in the sequence XXXX. I have not received anything by mail or a call from the branch thereafter. I tried to call a few times, yet was unsuccessful.The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Citi Bank. I have attached all copies of these Cashier 's Checks for your review.
Consumer complaint received 2017-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

My son XXXX XXXX XXXX XXXX last Saturday. He was attending XXXX XXXX College a few years ago. This college went out of business. Originally, this was a parent plus Federal Loan and then Navient took over the loan. We have {$5000.00} left to pay on this loan. I have been paying XXXX XXXX dollars a month on this loan. I called the company and they said I was responsible for this amount. Even though I have always paid on this loan every month, they upped my rate to {$130.00} a month and will not forgive the loan. I am grieving for the loss of my son and having to pay funeral expenses at the same time. I was hoping this company would forgive this loan, but were totally unsympathetic on the phone and are making me pay the loan off. This company is a predatory lender that takes over Federal Student Loans and charges parents for students who are dead. My next action is to take them to Small Claims Court if nothing can be done about this.
Consumer complaint received 2017-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Debt Management Incorporated (ND)

On X/XX/17 I contacted this company to get written notification of the amount owed so I can secure a certified check and secure record. The person I spoke with refused to send me anything, saying letters were sent years ago to an address in Wisconsin. I explained I can not pay, but want to pay, but I need a letter. I asked to speak to a supervisor and he explained he was the director and I am not going to speak to anyone else. I want this off my credit report, he stated he does n't care if if I pay it off or not, and it could stay on my credit report forever, he just did n't care. His tone was overwhelmingly aggressive and intimidating, unprofessional and his tactics are terrifying.
Consumer complaint received 2017-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2015-08-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I turn in the car in 2010 as a voluntary repossession, at a licensed auto shopwhere I had been getting the fixed since I had it and the agreement was thatthey was to pick up the car and sale it and pay the remaining balances. 
however they never followed up on there end of thing and they lost ownershipof the car cause they never picked up the car or pay the storage fees that hadbeen up at the auto shop so I received a letter asking me to pay or creditacceptance and neither one of us followed up and we both lost the car!
Consumer complaint received 2023-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Venmo is declining my transactions. I tried to transfer my bitcoin funds to external wallet but the system automatically decline transfer request. Venmo agents informed me that they are unable to override the system and tell me to sell my bitcoin to transfer funds. Selling and buying is not free so Venmo is making free money.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THIS IS I REGARDS TO PREVIOUS COMPLAINT # XXXX CFPB CLOSED THE COMPLAINT BUT WHY? IT IS NOT COMPLETE. This is actually my fourth OR fifth dispute about this. I seriously want CFPB to look at the way Transunion/XXXX XXXX is handling my credit file. THEY ARE MISHANDLING IT. I called transunion yesterday and had to start ANOTHER DISPUTE FOR THIS XXXX wound up speaking to an English Speaking Rep named XXXX file number with Transunion is # XXXX. She told me that XXXX XXXX is " UPDATING BITS AND PIECES OF INFORMATION ABOUT ME THATS WHY IT STILL ON TRANSUNIONS REPORT. '' I asked " what bits and pieces of information? '' She said LIKE YOUR NAME, ADDRESS PHONENUMBER OR BALANCE. '' Well THAT DOESNT PROVE ANYTHING. I SAID IN MY LAST 4 DISPUTES/COMPLAINTS THAT I WANTED PROOF THAT THE ACCOUNT BELONGED TO ME. PROOF MEANING A COPY OF THE PROMISSARY NOTES/ORIGINAL INSTRUMENT WITH MY NAME ATTACHED I NEVER APPLIED FOR ANY OF THESE LOANS IN MY LIFE. THEY ARE NOT MINE. IF WE GO TO COURT THE JUDGE IS GON NA WANT TO SEE IT OR IM SURE HE WILL DISMISS THE CASE. XXXX AND XXXX BOTH REMOVED ALL 3 XXXX XXXX XXXX XXXX ACCOUNTS XXXX, XXXX & XXXX BC APPARENTLY XXXX XXXX COULD NOT PROVIDE THEM WITH DOCUMENTATION PROVING IT WAS MY ACCOUNT LIKE I ASKED. I THINK TRANSUNION IS MISHANDLING MY FILE AND PUTTING ME AT RISK. THEY ARE VIOLATING MY RIGHTS WHY IS THIS MY FOURTH COMPLAINT???? THIS HAS TAKEN WELL OVER 60 DAYS FROM THE INITIAL COMPLAINT FILED BACK IN XXXX. THEY 'RE GOING TO TRY AND COME BACK AND SAY " THE INFORMATION IS UPDATED '' AGAIN I DONT CARE WHAT THEY UPDATE I CAN CREATE AN ACCOUNT AGAINST SOMEONE RIGHT NOW AND SWEAR THEY OWE ME X AMOUNT OF DOLLARS AND SEND IT TO TRANSUNION AND THEY ARE GOING TO PUT THAT ON THAT PERSON 'S CREDIT FILE AND HERE IT IS THIS PERSON DOESNT OWE ME ANYTHING. I DONT HAVE NOTHING SHOWING THEY DO. NO DOCUMENTATION WITH THE PERSON 'S SIGNATURE STATING THEY APPLIED FOR MY SERVICES OR ANYTHING. I URGE CFPB TO LOOK INTO THE WAY THEY ARE HANDLING MY CREDIT FILE. IMPROPER USE. THIS IS MY LAST COMPLAINT NEXT TIME IM GOING OVER CFPB 'S HEAD.
Consumer complaint received 2017-11-08
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: SYNCHRONY FINANCIAL (IL)

I have a hard inquiry on my XXXX Credit Report on XXXX XXXX, 2017. This inquiry was not authorized by me. I contacted Syncb/jcp by mail and they did not send me a letter with proof that I authorized this Inquiry. I never received proof of a denial letter stating why I was not approved.
Consumer complaint received 2017-11-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (CA)

I entered into an agreement with Citibank for a merchant account in XX/XX/XXXX. I tried to cancel the account in XX/XX/XXXX but Citibank said they would charge me {$500.00} to close the account because I had signed a document agreeing to keep the account open until XX/XX/XXXX. I disagree with their assertion that I agreed to a three-year contract as they do not have an original signature from me and I do not recall reviewing any such clause, but I accepted that decision. I was told by Citibank that I could cancel the account on or after XX/XX/XXXX and would not be charged a fee. I have paid a service charge every month since then to keep the account open. I have not used the account and I have made the payments. I called Citibank on XX/XX/XXXX and spoke with XXXX ID # XXXX and explained the history and said that I was told I could now cancel the account and wished to do so. I confirmed with her that there would not be any charge to do so. She confirmed that there would not be a fee. However, I was charged a {$500.00} cancellation fee by Citibank on XX/XX/XXXX. I agreed to Citibank 's terms and kept the account open for an additional year, even though I never used it, to avoid paying the cancellation fee. I waited until they said I could cancel it without a fee. I then cancelled it and confirmed with the Citibank employee, XXXX, that I would not be charged a fee and I was charged a fee anyway. I feel like this is further example that Citibank is fraudulently charging me fees and I feel that they should be stopped from doing so. I expect a refund and I am contacting my own bank to dispute the charge and take whatever actions I can against Citibank for fraudulently charging me. 

Refer to my original claim submitted to CFPB in XX/XX/XXXX - that will have further history and documents, as well as Citibank 's response. Case number is XXXX.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (FL)

I have called and also sent out letters requesting to have unauthorized inquires removed. The inquiries reported on my Equifax are unauthorized and are not related to me or any lenders reported on my report.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Under the new law effective XXXX XXXX, 2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with Equifax, XXXX, and XXXX and it remains on my credit file.
Consumer complaint received 2017-11-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I 'm currently applying for a loan modification & have been approved for a trial modification twice. 

XXXX Ocwen approved for trial payment of XXXX. 

I declined & applied again asking Ocwen to consider the ( Full Appraised Certified Value ). 

The appraisal was obtained on the suggestion of Ocwen in XXXX. 

Ocwen again approved the trial modification in late XXXX Payment XXXX The payments are based on a BPO ( Broker Price Opinion ) of XXXX XXXXXXXX this was done in XXXX. 

Another BPO was done in XXXX $ XXXX A certified appraisal with color photos on XXXX/XXXX/XXXX with a value of XXXX  XXXX was uploaded to Ocwen. 

Ocwen also did a exterior appraisal on XXXX/XXXX/XXXX value XXXX XXXXXXXX Ocwen has yet to consider the analyses of true value of home. This appraisal as of XXXX/XXXX/XXXX has not been reviewed. 

Ocwen 's front office is very kind they have assured me on multiple occasions that they will have the Full Appraisal Analyzed & compare To The BPO. 

Full Certified appraisal was uploaded on XXXX/XXXX/XXXX Ocwen instead ignored the Full Certified Appraisal & elected to get another BPO on XXXX/XXXX/XXXX I have been extremely proactive & have spent many hours asking Ocwen to consider the Full certified Appraisal or Send their own XXXX & I will pay for that XXXX as well. 

As of this complaint all we have now is a call with the Relationship manager on XXXX XXXX. Whom is extremely friendly & sincere. 

Based on Ocwens value they perceive the value to have gone up $ XXXX in a years time.
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (IN)

On two separate occasions I have called Great Lakes borrowing services about my federal student loan. On the first occasion, around XXXX 2017, I received an email from Great Lakes stating that my first student loan payment was due. I called Great Lakes and told them that I was currently a student at the University XXXX XXXX XXXX, and that my Federal student loan should then still be in deferment. Great Lakes had me print a paper for the financial office of the University XXXX XXXX XXXX to fill out, and then fax back. After, I did n't receive any correspondence back. Then in XXXX 2017 I received another email from Great Lakes stating that my first student loan payment was due. Once again, I called Great Lakes and told them about the paperwork that they had the University XXXX XXXX XXXX fill out, and that my student loan should still be in deferment. They apologized and said that they would put my student loan back into deferment. Today, X/XX/2017, I decided to check my account at Great Lakes to ensure that my student loan was still in deferment, and I have a past due balance from X/XX/2017 in the amount of {$100.00}. Great Lakes refuses to rightfully put my student loan back into deferment and will not provide me any useful assistance when I attempt to make contact with their support department.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

On XX/XX/XXXX Complainant entered agreement with XXXX XXXX ( XXXX XXXX XXXX ) for 145 channels of TV service and other benefits at {$19.00} per month. When the bill arrived it was {$75.00} per month. Complainant told XXXX XXXX to cancel the agreement as per the terms of the contract at no charge. XXXX XXXX billed up to {$720.00} before the dispute was settled on XX/XX/XXXX, and billing shows Complainant owes nothing. XXXX and Experian show that Complainant owes XXXX XXXX {$520.00} which was incorrect from the beginning. Complainant is trying to buy a residence, but the incorrect reporting has ruined his good credit record. XXXX XXXX acted in violation of Alabama 's statute against false advertising, and its actions severely damaged Complainant. XXXX and Experian also incorrectly show that Complainant owes XXXX XXXX {$480.00} dollars, when the account balance is XXXX. The Complainant 's credit score was further adversely affected based upon incorrect data.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello. I sent letters to all 3 credit bureaus on XX/XX/2023. I asked them per the FCRA 609 clause to provide physical evidence of the accounts in question and also I provided proof of my address and asked the other incorrect addresses to be removed.I have yet to receive anything and the XXXX will be 30 days.
Consumer complaint received 2017-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CT)

before I applied for a modification six years a go I reached sls mortgage and asked for help in reducing my mortgage or anything they could to help they said they could n't help me because I was current on my payments I end of getting behind and i applied for a modification 6 six ago and receive it now 6 years later they set me up to fail im worst off now with higher payments I cant afford and they attached the monies to the mortgage as I waited for the modification ... my payments are XXXX a month from when I needed the help for XXXX a month 6 years a go. I would love to stay in my home and get a fix rate and lower payments I read all the reviews about sls and they been doing this to ppl for years we are losing our homes because we cant afford the payments ... I called onXX/XX/XXXX to see if I was approved for the modification they said still pending, they ask me that dayXX/XX/XXXX did I receive a letter from them I stated I havnt received anything they said we sent out a letter on the XX/XX/XXXX that they are going up on my mortgage it will be XXXX as of XX/XX/XXXX I said less than 30 days she said yes I was just paying XXXX last month 2 months before that XXXX it been going up quite often in a years time please help me im drowning in this situation
Consumer complaint received 2023-04-27
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: General Motors Financial Company, Inc. (TX)

I pulled my credit report to make sure everything was correct. When viewing all XXXX reports from XXXX, XXXX, XXXX and they are all reporting differently. Listed below is all the categories that show differently amongst all XXXX bureaus. I sent a letter informing GM Financial informing that the information that was presenting on credit reports is showing differenky on XX/XX/2023 and again XX/XX/2023. I would like for GM Financial to make sure all information reporting is corrected. I have already sent a letter to the bureaus to either update the account to reflect correctly or delete per per XXXX XXXX. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER XXXX. FURNISHING FALSE CREDIT INFORMATION Listed below are all the categories showing differently : Date opened Last verified account status payment status comments date last payment no. of months ( terms ) Payment frequency
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MA)

Last week, XX/XX/XXXX2017, I noticed with my Walmart Master card that the XXXX XXXX had lowered my credit limit. The reasons stated over the phone were that I had a delinquency on my credit report. the only reason I was told this was after spending 30 minutes on the phone with Walmart trying to get contacted to a customer service rep. This information is false and with further research I have zero. I actually have never had a delinquency. Walmart never called me nor sent me a letter stating that they were doing so. I have not had this issue with any other credit card. I also pay all of my credit cards on time and never missed one payment. This has significantly impacted my credit score by almost 14 points. I feel as though lowering my credit limit has impacted me more negatively then it would have been if they just left it alone.
Consumer complaint received 2017-11-08
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: Experian Information Solutions Inc. (FL)

I sent a certified letter to XXXX and Experian including my FTC ID theft form to XXXX and Experian certified. The accounts that are listed they have verified as accurate, per law section 605b any fraudulent accounts or inquiries listed must be removed without a dispute and blocked within 4 days of receiving the notice. XXXX and Experian has failed to abide by this law and continues to report inaccurate information on my credit report.
Consumer complaint received 2017-11-08
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)

I sent a certified letter to Transunion and XXXX  including my FTC ID theft form to Transunion and XXXX  certified. The accounts that are listed they have verified as accurate, per law section 605b any fraudulent accounts or inquiries listed must be removed without a dispute and blocked within 4 days of receiving the notice. Transunion and XXXX has failed to abide by this law and continues to report inaccurate information on my credit report.