davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

On XXXX XXXX, XXXX, I received a letter from Credit Collection Services concerning a dept of {$800.00} that I did not owe. On XXXX XXXX, XXXX, I called CCS and addressed my concern that I do not owe this account and the information they have is incorrect. I also asked them to send me any documentation they may have concerning this account. I also sent them a fax the same day pertaining to the conversation and the request of the documents. I never received anything from them. Two weeks ago I went and apply for a loan for my business, and I was denied because of that collection in my credit. This report had caused a very big burden to me and my business. I have been waiting for that transaction for two years and now I can not move forward with it. Please help me resolve this issue. 
Thank you very much XXXX XXXX
Consumer complaint received 2017-09-06
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. (NY)

I believe that my personal information on XXXX, Transunion and XXXX was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We did a loan modification back in 2008 circa with Wells Fargo due to financial hardship. And the modification period has ended recently and the interest rate increased to 6.5 % on our mortgage. The payment became too high for us to handle and with our current credit score ( XXXX ) we are not able to refinance. Our parents loan us XXXX  and we wanted to pay down the principle of our mortgage and recast our loan term in order to lower our monthly payment.
When we contacted Wells Fargo regarding this, they told us they can not approve our recast because we had previously done a loan modification on this mortgage. When we sign the loan modification, there were no verbal warnings nor papers telling us doing loan modification would effect our ability being recast even with us able to pay down over 60 % of the total amount owed.
So the goal for us is to pay down the loan and recast our term thus lower our monthly payment. We are not even asking wells fargo to lower our interest rate.
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

After two years of being in Court and asking this bank to give me a modification they are simply not budging. I live in the property with my XXXX young kids. I work two jobs to provide my kids. The bank wants me to pay {$5400.00} every month which can go on forever. How can a bank ask you to pay that much knowing I have to raise my kids on my own and survive and pay for food and utilities. I am not getting child support from my ex-husband, He caused this mess but I have been trying to fix this. 

I do n't think XXXX XXXX XXXX is showing good faith knowing I paid them from XX/XX/XXXX to XX/XX/XXXX {$5300.00} each month for a total of {$21000.00} my savings. So what am I suppose to do now. I have depleted my savings. I can pay a mortgage payment of XXXX but not XXXX. 

I am asking for some help to reason with this bank. You reached out to them last and asked them t resolve it but there resolution is giving me the same repayment plan of {$5300.00}. I am having a hard time understanding why nothing is being done to stop this bank from asking a single mom to pay so much to foreclose on her home in a few months. 

I 've done my part and proven to them I can do this. 

Thank you.
Consumer complaint received 2021-04-23
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. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2021-04-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I bought a XXXX XXXX in XXXX financed with Toyota Financial Services also known as TFS. I called TFS on XX/XX/XXXX and inquired about the fastest way to pay off my loan and get my title, I was advised to submit payoff on www.toyotafinancial.com, I submitted my payment on XX/XX/XXXX of the amount of {$23000.00} directly on www.toyotafinancial.com, I received a confirming email on Monday XX/XX/XXXX from Toyota payment receipt, ( email attached for docs ) also the funds were withdrawn out of my account on XX/XX/XXXX ( bank activity attached ). today is XX/XX/XXXX and my account is still showing as the open balance of the payoff amount, I have contacted TFS on the XXXX and spoke to XXXX ID, XXXX, I was advised that Toyota haven't received my payment even though I have the confirmation email and my bank statement, I requested to talk to a manager and I was told there are no managers to talk to and to call on Thursday to get a status. frustrated I waited until Thursday but couldn't get through to customer service. I called today Friday the XXXX and spoke to XXXX Id XXXX, I was told that the account is still unpaid and I have to wait until next Thursday the XXXX to get states again a requested to speak with a manager and was told again there are no managers I can speak with, XXXX inform me that they see the payment on the Toyota 's site but can't apply it to the account, she also stated that she spoke to a resolution manager and there is nothing they can do for me at this time. I need help resolving this issue, I need to get my title.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have been a loyal Kohl 's cardholder since XX/XX/XXXX and I have always paid my bill on time. I was given an option to get an additional % off coupon if I signed up for paperless billing. This was my biggest and most costly mistake. I had let my son use my Kohl 's charge card to make an online purchase on XX/XX/XXXX. I take responsibility for not remembering he had made this purchase but I never received an email letting me know I had a bill due, let alone a delinquent bill due. On XX/XX/XXXX I received my first text message from Kohl 's card stating I should visit the XXXX website or I should call a XXXX number. I also received a phone call later that evening letting me know I should contact Kohl 's regarding my account. I called the number back and was informed that I had a delinquent payment. At the time, I thought it was for a purchase I had made on XX/XX/XXXX. Without any questions I made a complete payment for what I owed and the representative from Kohl 's removed the late fee from my account once I explained I had signed up for paperless billing and I hadn't received any email communication regarding a payment due. Two days later I received an alert from my credit monitoring report letting me know Kohl 's had submitted a delinquent alert on my account. I was confused about this but upon further investigation I realized I had been delinquent on my payment from XXXX because of my son 's forgotten about online purchase. Again, I never received any email communication or any message on my Kohl 's app that I had a payment due or an overdue payment. When I talked to a supervisor today I was told that they wouldn't rescind my delinquent alert on my account because I admitted some responsibility for forgetting my son had made a purchase on my account. My issue is that I didn't receive any email communication regarding my payment due or that my payment was overdue. Had I received this communication my bill would have been paid in full immediately. I think it is unfair I only received a text alert about my account after I was two months delinquent and after Kohl 's had reported a delinquent alert to the credit bureau. Is this a method Kohl 's is using to collect late fees on their customer 's charge accounts? I am strongly considering not ever using my Kohl 's charge again based upon how my situation has been handled and how my credit score has been negatively impacted. I have always had an excellent credit score. Currently, my credit score is still considered good but I'm disappointed Kohl 's took no responsibility in correcting their poor communication process with my account.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am having issues with unrecognized accounts and information appearing on my crdit file. I want to block my XXXX XXXX, Corelogic, XXXX credit file and I like a PIN number for the safety and security of my personal information. Please send me a FULL REPORT OF MY CLUE FILE ( XXXX XXXX ), and a FULL REPORT FROM CORELOGIC AND XXXX.
Consumer complaint received 2021-04-23
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have call XXXX, XXXX and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from XXXX  hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

My complaint is with chase bank. 

I recently called customer service to start a fraud claim. When I created the claim it took forever, Im not sure the representative understood what I was needing. I ended up calling chase bank back asking for the case to be closed. I was advised the claim process would take 3-5 business days.

The expectation set was incorrect. When I called back a manager then explained to me itll take 3-5 business days for chase to take their funds from my account and itll take up to 30 days before I received a refund.

It took me multiple times to get to a manager as my calls were disco each time I asked to speak to a manager. It all started with a phone representative names XXXX. When I got to a manager I told him about my experience and he could care less. 

I was in tears by the end of the call I was so frustrated I didnt even know if my claim was filed. I was crying and still being told I had to pay {$5.00} for them to rush a card to an alternate address. 

I was told I had to go into a chase bank to activate my card since the pin would be sent to my physical address not the alternate address I just requested. 

I live in the middle of nowhere I just moved to Michigan. I drove to the bank to activate my card. Was told by the rep it was activated, I then went to go buy breakfast and the card was mot activated. I then had to drive back to the back to again activate the card. 

I have made multiple complaints and have not been contacted. Chase has no corporate email and each time I asked to be routed to someone in charge I get the run around. I have not been contacted about any of the complaints the managers said they submit. 

I have written to chase customer support on XXXX and they were no help. 

Chase has no way to reach out to corporate. Chase is not solution oriented. Chases phone customer service is a nightmare. Chase has no integrity or regard for their customers.
Consumer complaint received 2017-09-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I am trying to pay off my car loan about 6 months early. Bank of America seems to purposely make paying off a loan difficult possibly in the hope that customers will make a mistake in paying it off and either continue to be charged interest or get nailed with an extra fee or fees. 

Every payment I 've made has been online. However, to make the final payment they require you to send them a physical check to a specific address and alter the check with your account number etc ... They do not offer you the option to pay online, it is not one of the options listed over the phone nor do they have any reasonable explanation for why any other financial transaction on the loan is able to be done online but they make the payoff difficult. 

Sending a check through the mail could have a delay, and if it takes a few days the customer is beyond the payoff quote date. This would mean that they have another few cents in interest. That in turn would turn into a large fee if the customer thinks they 've paid off the loan and does n't realize they 've added a XXXX cent charge. After 30 days you have a fee, after 60 it 's compounded until a customer could end up with hundreds of dollars in fees. Additionally, paying online would guarantee that everything is clear. Asking a customer to write their account number on a check is one more situation where the Bank can claim there was difficulty in reading the number and cause more delays. There is no other explanation but wanting to give a customer the possibility of racking up more fees, and to also discourage the customer from paying off a loan early for why B of A does not allow the same form of payment for the payoff it does for all other payments.
Consumer complaint received 2017-09-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I was late making payments and was receiving multiple calls a day from Navient. I finally got on the phone with them and informed them that I can not make payments at this time and am in the process of filing bankruptcy as I am unable to keep up with my debts. The representative said " ok, when are you filing? ". I indicated that I would file in XX/XX/XXXX ( we spoke in XX/XX/XXXX ) and she responded by saying " we can put your loans in forbearance until XX/XX/XXXXand then you will have to send us proof of the bankruptcy ''.
This forbearance period continues to tack on interest to my loans and in the 5 years since I XXXX and have been making payments in good faith, I have not made any impact on the overall amount of my loans because of these interest charges during times that I am unable to pay.
Consumer complaint received 2017-09-06
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: SUNRISE CREDIT SERVICES, INC (TX)

I have never had any contact with this business. I do not owe this company, never had a signed contract with them. this is on my credit report in violation of 15 U.S.C. 1681. XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. I never received any documentation for the said debt. I am entitled to all documents in regards to this debt before it is reported. my rights were infringed and this needs to be removed as it is not validated and fraudulent. I will contact the state attorney if this is not removed! Please remove this fraudulent trade from all CRAs
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have a Capital OneXXXX XXXX XXXX account. It shows a late payment on this account that is NOT correct. I have disputed this with the credit bureaus and also with Capital One directly. They claimed they investigated this and they are reporting correct information. There is NO way this is true. 
It was paid off and the last payment made was in XXXX of 2016. I was told this on the phone with CapiTAL one and then it shows this on my credit report. Some how they then claim I made a late payment 2 months after this account was paid off. This is impossible to have occurred. I tried to tell them this over the phone and they refused to speak with me about it over the phone. They said that I had to send a letter to their dispute center. I did so and explained there was no way this could have happened and it has STILL NOT BEEN CORRECTED. 
I tried to explain this to the credit bureaus and to Capital One and they have refused to change this and they have left me with no options to get this corrected. What they claim is not possible and I have no documentation to support this because there were NO PAYMENTS DUE after XXXX of 2016.  XXXX  accused me of being a liar, and that was supposedly a manager of XXXX. 

I am very frustrated because this account is causing me great harm and has been for a while now. I want this account removed now! I would also like something to be put in place to help others in this situation. There needs to be an easier way to resolve these types of situations without having to file complaints to get someone to listen to you. I have spent hours of my time and money arguing this with them and this is COMMON SENSE! It is NOT Possible to have made a late payment 2 months after he account was paid off and the last payment was made. There is NO WAY ANYONE INVESTIGATED THIS because if they had, they too would have realized this is a false claim.
Consumer complaint received 2017-09-06
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. (OR)

XXXX XXXX DISPUTES ONLINE ARE A WASTE OF TIME AN NEVER ALLOWS ME TO FILE, CONTINUES TO LIST INCORRECT/ PREVIOUS DISPUTED INFORMATION ON FILE, SAME RESPONSE OF VERIFIED BY CREDITOR, GIVEN WHEN I HAVE NOT SEEN ANY OF THE DOCUMENTS THEY USE TO COME TO THE CONCLUSION OF VERIFIED AS MINE. NOT ONE SINGLE CREDIT REPORT IS CONSISTANT OR MATCH THE OTHER CREDIT REPORTING AGENCIES ( 2 ; TRANSUNION, 3 ; XXXX ) OUT OF DATE, INCORRECT, AND UNFAIRLY REPORTING IS ALL TOO FREQUENT AND COMMON AND HAS CAUSED ME VERY MUCH GREIF, STRESS, TIMELOSS, LOSS OF EMPLOYMENT AND FUTURE PROSPECTS OF EMPLOYMENT DUE TO THE NEGLEGENT, UNFAIR, INCORRECT, AND PLAIN LAZINESS AND DISREGARDS OF MY RIGHTS AS A HUMAN, EMPLOYEE AND CONSUMER.
Consumer complaint received 2017-09-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards
Consumer complaint received 2017-09-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Santander Consumer USA Holdings Inc. (TX)

Tried on multiple occasions to contact company to verify charge-off balance. 
On XXXX XXXX, XXXX mailed first certified letter to verify account and account balance, no reply from company. On XXXX XXXX, XXXX XXXX certified letter mailed to company, still no reply from the company this letter was in regards to a XXXX XXXX XXXX. Yesterday, called spoke with customer service department and was instructed by agent someone would contact me by the close of business on Thursday, XXXX XXXX, XXXX. No one has called. I am asking that this be removed from all of my credit reports, due to the fact this company can not return answers from either mail or phone.
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Deutsche Bank (NV)

Federal Law gives me the right to notify DEUTSCHE BANK of errors regarding the servicing of my loans which resulted in the foreclosure of my property. I previously filed a complaint : CFPB # XXXX which is still open. Deutsche Bank has stated they had nothing to do with this loan, and that XXXX is at fault not them. XXXX has hired lawyers and we are in contact with them. They do not represent Deutsche Bank. Deutsche Bank has been " unthruthful '' to both the CFPB and XXXX XXXX. Find attached the recordings made at the recorders office in XXXX, California showing their involment in this FRAUD. I am requesting full accounting regarding this loan and requesting CFPB take a look at all prior letters from Deutsche Bank for more violations.