davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I originally disputed this account with XXXX and XXXX XXXX account number # XXXX. I informed the company this was not my debt. At that time I was told that I would not be having this on my credit. Long story short it was on my credit report and now a debt collector has obtained this debt and is harassing me for money. {$180.00} payment. I informed ERC I am the victim of identity theft and I was informed by XXXX XXXX I need to re file a police report. I explained I would not be refilling any more police reports as I previously filed already. I never contracted with ERC or XXXX XXXX XXXX for services and no longer wish to be harassed by these debt collectors and I did not give my consent.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

I was put on administrative forbearance against my will. As a result, I paid over {$600.00} in interest without that being a qualifying payment for PSLF. If the company is not able to do their job, the financial penalty should be their burden. It is impossible to get through to customer service.
Consumer complaint received 2023-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IN)

My spouse had filed for bankruptcy around XXXX of 2022. I had no idea that this was something she was doing until my mortgage statements just stopped coming without notice, and the last one received was for XX/XX/2022. I don't remember any specific dates that I made contact with them, but have on 3 seperate occasions asked for my statements to be sent and everytime they told me its the law that they can not send them to me, even though I did not file bankruptcy. I had asked them to send me statements for information, because it's law even if I had filed and they said that is not how the law works according to the cfpb. They claimed that the statements had been forwarded to my wifes lawyer, but when asked they have never received a single statement either. My wife 's lawyer has even sent a letter to the company requesting the statements be reinstated and still nothing. The mortgage company also never sent any of my tax documents, I have been dealing with this for a year now and still nothing, I am done playing can I put you on hold and getting passed off to the next unhelpful rep.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MA)

After being a credit card customer with Citibank, I was offered a generous offer to open a checking account which would credit an airline account with a set amount of miles. I proceeded to take advantage of this offer and opened the account just over a month ago. The offer had two steps, two or more deposits totaling at least XXXX XXXX dollars and then one ore more debit card transactions totaling at least XXXX XXXX dollars. The issue is, after getting my money through XXXX deposits, which was a requirement, Citi now blocks me from using my funds. I've tried XXXX times to use my debit card, but there is always either an authorization issue, or the transaction is declined. What Citi did here, was scam me out of my money by depositing it into their financial system, and then block me from accessing it. Effectively 'stealing ' my own money. So now, I have XXXX problems. XXXX. I can not complete the offer, and I only have 90 days to do so ; XXXX. I can not use the funds to pay my bills ; XXXX. I can not take my funds out of the account. 
Since the account opened it has continually been under review. When I call the bank they can not give me a reason for the review, they refuse to provide details, they refuse to provide a time frame, they refuse to provide the names and phone number of the so called 'reviewers, they refuse to close my account and release my funds, and they even said during a recorded call, and there has been many calls, that they are allowed to hold my money indefinitely pending the so called 'review ' which they can not describe. 
I will be unable to pay my bills including rent and car payment and will sue for damages. I also need the CFPB to go after them on my behalf and publish this complaint so others can see that doing business with Citibank, at least on the checking account side, is a trap to take your money, then block you from accessing it.
Consumer complaint received 2023-08-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (VA)

The car was a mess and broke down on me regularly. I ended up being laid off because of XXXX. I was unable to make the payments. I have not received anything from his company about the debt and I was garnished for the first time today XX/XX/2023 I had no notice of the garnishment by the company or my employer. I called the collection agency to try and make payment arrangements and they would not. Today {$280.00} was taken from my check and I owe a total of {$5800.00}. I can not afford to have this amount of money. Come out of my check every pay period.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint involves   XXXX   XXXX   XXXX   on  XXXX , Partial account number   XXXX   Date opened :  XX/XX/XXXX  Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter  XXXX  Account history Debt included in Chapter  XXXX  Bankruptcy on  XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone number   XXXX   partial account number ;  XXXX , date opened XX/XX/XXXX . I just recently traded in the vehicle in  XXXX
Consumer complaint received 2023-08-18
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-18
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2015-10-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation (CA)

QUALITY LOAN SERVICE CORPORATION advises today, XXXX XXXX, 2015 ( email attached from XXXX XXXX ) that " the foreclosure is properly processed.. '' CONTRADICTING its purported boss XXXX 's statement made TODAY within CFPB saying : " Please be advised that at this time, we are reviewing the foreclosure process to verify no error occurred. The new expected date of resolution is XXXX XXXX, 2015. " IS IT LAWFUL THEN FOR QUALITY TO PROCEED WITH THE TRUSTEE SALE OF OUR HOME ON XXXX XXXX, 2015 PENDING THIS REVIEW by XXXX - for XXXX 's resolution on XXXX XXXX, 2015? 

Thank you, CFPB for your urgent help!
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (FL)

Near the end of XX/XX/2016, my XXXX credit card was reissued by as a MasterCard by Barclays Bank Delaware. Prior to the conversion date I had reported suspected fraud to XXXX on a secondary card on my account, in the name of my sister XXXX. They immediately a issued a small credit, and were investigating the balance in question, {$2900.00}. XXXX was working on this when Barclays sent me a new card, and billing statement which INCLUDED the disputed amount with XXXX. I immediately started calling Barclays, and informed them that this amount was in dispute ; they promised to look into it. They did not call back, even after I sent a list of disputed amounts ; I subsequently called numerous times, every month, speaking with " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', and " XXXX ''. Each time I was told they would resolve it and call me back. That was in XXXX, and I am still waiting for a call back. In the meantime, they keeping billing me for the amount in question, and interest every month.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013, XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Access Receivables of NC Inc. (CA)

On XXXX XXXX, XXXX XXXX XXXX has sent me a collection email on an account that was closed and paid in full back in XXXX XXXX. 
" Dear Accounts XXXX, Thank you for trusting XXXX for all your business needs. This is just a friendly reminder that your XXXX bill for the following accounts are due today. If you have already made payment, please accept our thanks and disregard this message. 

Account XXXX : XXXX You can make your payment today, restore suspended services, request payment arrangements, and/or update billing information by calling XXXX. For billing disputes or in-depth billing matters, please contact your local Commercial Billing Department at XXXX. 

We value your business and the opportunity to serve you. 

Sincerely, XXXX XXXX, XXXX, XXXX, XXXX | XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX | Fax : XXXX XXXX Available Mon-Fri XXXX-XXXX CST Description : Description : Standard XXXX logo '' So, I called XXXX XXXX, could n't help me and I have finally filed a report with FCC and XXXX. Once time XXXX got to know about the issue via FCC and XXXX, they had reduced that bill and created another problem for me by sending {$140.00} in collection without any communication via email or mail what so ever. 

I am so surprised that XXXX XXXX did that, however this is what I have received in mail and email this week ; " My name is XXXX XXXX with Access Receivables Management, I am writing in reference to a XXXX XXXX XXXX account we currently have in collections in our office in the amount of {$140.00}. It 's very important that we resolve this matter so that no further actions are taken. Please contact me at the phone number listed below or reply by email. When calling or emailing please use ACCESS ID # XXXX. 

Payments can be made by phone using Visa, MasterCard, or check by phone. You can also go to XXXX to make a payment or set up a payment plan. I am willing to help by setting up a payment plan or settling on the account. 


Thank you, XXXX XXXX. Boys XXXX XXXXXXXXXXXX http : //access-receivables.com/ Access Receivables Management XXXX XXXX XXXX XXXX XXXX, MD XXXX '' I am not sure, if a collection agency could directly ask for money, without even validating a debt. I wish XXXX XXXX would have delt directly with me to resolve instead of even complicating furthermore. 
Thanks XXXX XXXX
Consumer complaint received 2015-09-04
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (FL)

I had just relocated to another city to start a new position and wanted to purchase furniture with 0 %. Athough my credit is in the high XXXX 's and I have a long standing relationship with Synchrony Bank, they declined me for an XXXX XXXX XXXX account because of " insufficient credit history on file ''. This is crazy as I have a long history of credit both with them and other institutions. This created a hard inquiry on my account. When I called to inquire ( originally I feared some sort of fraud ) after being transferred at least XXXX times for over XXXX minutes, they chose to resubmit ... it was declined again and now I have a second unfavorable inquiry against my credit score. It is as if they intentionally submitted to harm my credit score because I was not happy. In addition, is n't it incompetence doing the same thing ( resubmitting ) again. It WILL have the same result without human intervention. So I asked to speak to supervisor as now I have XXXX hard inquiries and XXXX declines and when he got on the phone he hung up on me when I told him I could not hear him! In the end, Synchrony Bank is harming people 's credit due to potential incompetence and harmful/rude customer service. There should be regulations against practices that harm consumers.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (FL)

I have been contacted by Barclayard Visa to advise that unless I use my card they will cancel the card. I have not used the card in a year, prior I made a large purchase paid several payments then paid off the card. If they cancel my card for not using it my credit score will be effected in a negative way. So in essence I have been told that I must make a purchase or my credit score will be altered, to me this is fraud. XXXX has used similar strong arm techniques.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: WELLS FARGO & COMPANY (CA)

I'm very certain that in or about XX/XX/XXXX, a XXXX card was sent to me in the mail by the Employment Developmental Department. i also applied for a XXXX XXXX XXXX account that can be accessed by XXXX. 
Either in a form of unemployment, child support case, or during the time an ( economic impact payment ) prior to the Census XXXX Pre-Paid Debit Card so that my Stimulus Payments & EIC might rather be available by Debit Card form easily accessible, rather than mail and in check form. Around this time in XXXX, CA on XX/XX/XXXX Disaster # XXXX issued funds for the Fire Disaster # XXXX through XXXX XXXX, FEMA, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX were sent in form Wild Fire Assistance Cards in XXXX, this is also when I filed for my unemployment and my information wasn't correct, due to my arm being bumped by the dog & my cellphone screen receiving the confusing way of an undone process that I couldn't fix through the mail, email, cellphone #, as I had been stolen from shortly after. I'm now hoping I can get to the clarity of this issue so that I can prevent being identity thefted as I was in the beginning of XX/XX/XXXX, by a Car Rental. Anything your company can do to assist my situation will be much appreciated. Thank You!! XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-13
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Student Assist Plus LLC (IN)

I saw an ad on Facebook that a friend posted saying this company could help reduce my student loans and after I paid monthly payments for 30 months my loans would be forgiven. I signed up. For the first 3 months I paid {$150.00} and then after that I paid XXXX a month. I had to renew 2 times so I could still be enrolled in the program. I got a call from my loan provider that I was behind and we need to solve this, I said no I 'm in a repayment plan through this other company each month I pay comes out automatically through my checking account. The lady from the loan company said no you have n't paid since last XX/XX/XXXX. I said where has my monthly payment been going and she said not to your current student loans. She said to call the so called company and have them stop payments or call my credit union. I did call both places. If my loan company had n't called me I would still be paying and my loans would stay and the same amount forever. I 'm glad that I answered that call. Documents I have attached are the contract I had to sign and complete before I could get help, and transactions saying I had paid but does n't say what it was paid to. Also is an email I get from payment company every month.
Consumer complaint received 2016-10-26
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

I applied for a new Care Credit/Synchrony Bank credit card on XX/XX/2016. I applied on the phone, in the XXXX and was approved for {$11000.00} ( exact amount of XXXX work ). I was told I would be receiving the paperwork and bill in the mail. I received the paperwork and 1st bill in late XXXX which showed I was charged an interest charge of {$81.00}. I called their XXXX # and asked why I was charge interest on a bill I had not yet received. I had just opened the account and before I received any paperwork, they charge me interest. Plus, I looked at my credit score information and it showed this account to be over it 's limit - before I ever received a bill. I was told by the XXXX # that, 'it 's unfortunate that the {$81.00} was n't paid by the due date. ' And, 'Just because it 's on a credit site, we did n't indicate it as a negative comment on your account '.
Consumer complaint received 2016-08-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (WA)

I have been making more than my monthly required payment of {$600.00} by a Automated Clearing House ( ACH ) transaction from my checking account on the XXXX of each month in advance of my payment due date on the XXXX of each month to Mercedes-Benz Financial Services. I make additional payments to pay off the loan early. I made one for {$3700.00} on XXXX XXXX, XXXX. It was credited to a " Over Paid '' category and not to principal and interest. Subsequently, my normal ACH payment of XXXX XXXX, XXXX for {$700.00} was received and credited to the " Over Paid '' category. Reviewing my online account " Transaction History '', I saw {$4400.00} sitting in this " Over Paid '' category. On XXXX XXXX, XXXX I called the Customer Service Center and they said there was a new software update which moves money into this category. I requested these transactions be moved to pay down principal since my next payment due was on XXXX XXXX, XXXX. They said they would do that. I reviewed my Transaction History online report and saw only {$3000.00} credited to principal and {$1400.00} still in the Over Paid category. I sent an email request to Customer Service to have that amount moved into principal. I have called and sent followup email requests to Customer Service and they said they would do it. It still had not been done as of XXXX XXXX, XXXX. I called again and was reassured it would be done. Reviewing my Transaction History report online, the {$1400.00} disappeared from the Over Paid category. I called on XXXX XXXX, XXXX XXXX, and several calls thereafter. No one can explain what has been done with my payments totaling {$1400.00}. On XXXX XXXX, XXXX, I was finally able to speak to a manager who sent me a Historical Account Summary of my loan history. It shows a - {$1400.00} reallocation to Payments Received on XXXX XXXX, XXXX, with corresponding reductions to principal and interest. There is no offsetting credit being applied to principal. So, what happened to the money? I have been trying to get this resolved and unable. Mercedes-Benz Financial Services ( MB Fin Serv ) reports do not align with the customer online Transaction History report. The provided Historical Account Summary does not align with information on reports verbally discussed with the Customer Service Manager or Representatives. MB Fin Serv online reports and monthly statements do not provide any meaningful information to the customer. Reassurance the {$1400.00} has been applied to my loan are invalid. The loan outstanding balance increased by {$1400.00} dollars on XXXX XXXX and has not reflected my payments being made. What happened to my payments can not be explained by MB Fin Serv. I can prove I made the payments to them, but they can not prove they applied them to my loan.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (AZ)

Barclay 's Bank closed my Barclay 's Arrivals XXXX for unknown reasons. As a result of the closure, my accumulated rewards equivalent to {$140.00} was forfeited. 

I would like to note that at no point was my account past due or delinquent, and I have paid my bill on time each month, every month. 

I believe it is borderline fraduelent that Barclays advertises a Rewards program that gives 2.2 % back, but can also close an account for unknown reasons and confiscate accrued, but not redeemed rewards. 
I am requesting reimbursement in the amount of {$140.00}, for the amount of rewards that was forfeited.
Consumer complaint received 2017-03-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (PA)

I applied for a credit card through XXXX to buy a new computer. Synchrony financial offered me a 0 % interest credit card. After three months I looked at my account activity and the company has been charging me a card security fee every month. I have lost about {$47.00}. I will call and cancel this. I never agreed to this fee. I think it is fraud and was in the fine print of the credit card information. Synchrony bank sucks!