davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: American Credit Acceptance, LLC (SC)

I can provide speed pay receipts showing that I made a XXXX down payment with XXXX  days to make first payment. Covered maintenance and insurance. XXXX  XXXX XXXX XXXX payment : XXXX Customer Service Representatives we're calling before XXXX day period demanding more income/added XXXX to XXXX dollar fees for no reason/ added XXXX charges to account Not flexible to change billing cycle date ( acct has to be current ) to match XXXX XXXXXXXX XXXX stolen not repossessed Falsely reported me XXXX days late. 
Company will be paid twice after I invested a year in vehicle, resold to another consumer Can provide proof of payment and dates Needs to be refunded or removed from my credit report
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My mortgage was in a forbearance status. Carrington Mortgage Company reported to XXXX that my mortgage payment was 30-days past due resulting in a negative impact to my credit score/report.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Ive disputed a chapter XXXX bankruptcy several times XXXX, XXXX and XXXX XXXX to no avail. It is inaccurate but Equifax refuse to correct it or remove it.
Consumer complaint received 2015-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Management Services, Inc. (NE)

When my husband left me in XX/XX/XXXX, I struggled to survive. I had a dentist bill of about {$00.00} and a electric bill of about {$600.00}. A credit agency got a judgment against me I could not pay. 

now, just today in XX/XX/XXXX that agency garnished my wages for {$430.00} per month. I am a single mother and me and my XXXX kids will not be able to make it if they succeed in doing this to me. 

I have since that time rebuilt my credit and I work full time. I am making it by the very thinnest of margins. I checked the law and the Statute of limitations has long, long since past by years on this debt. The have it worked up to {$4000.00}. now. The garnishment is illegal. But the credit agency just does what it likes, knowing that I can not afford an attorney to protest this. They figure we can get away with it XXXX times out of XXXX and the worst that can happen is XXXX in a while someone will make us stop. Most cant. Me being XXXX. Why do these credit people just do as they please with no accountability? 

This collection effort is some 6 years beyond the legal statute of limitations. And I will begin to suffer the garnishment next week. 
I beg you to help. This is illegal and will devastate me and my XXXX kids lives.
Consumer complaint received 2021-02-19
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (MO)

IQ Data got my debt back in XX/XX/XXXX when the pandemic started. I set up a payment plan for {$200.00} a month we were to continue that then about XXXX they stoped taking it. The called me a couple months later to collect the remaining valence and I told XXXX XXXX the guy handling my debt he cursed and yelled at me when I told him I could not do the full but could continue the payment plan he cursed and yelled at me more and hung up. I couldnt contact them because I didnt get a letter with their info and they call me from a face number. Now today XX/XX/XXXX he got mad and yelled and cursed that I had to go get a loan to pay off the remaining balance I told him no and he continue to get mad and I got mad and started yelling and cursed back at him because he was trying to use scare tactics and strong hand me into doing something that would put me in more debt to pay this debt. I got to a supervisor named XXXX and he started to do the same thing and wouldnt work with me to make more payments or anything. He then told me he was done talking and hes putting in his. Notes that I am unwilling to pay and putting the debt into default and no long be able to take the debt off the record once it gets paid in full.
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Due to a loss of my job and other financial issues my mortgage company at the time XXXX began the foreclosure process on me. On XXXX XXXX XXXX I spoke with XXXX at XXXX XXXX in the Loss Mitigation dept. she said we could do a trial payment for 3 months, then it will be reviewed for a loan mod. On XXXX/XXXX/XXXX I spoke with XXXX at XXXX, she said our loan modification was denied and for us not to make anymore payments. 
In XXXX of XXXX we discovered we might have a sinkhole on our property and filed a claim with our XXXX XXXX XXXX XXXX. They did a survey of our property with special X-ray machines and stated we did n't have a sinkhole, our attorney hired a specialist who had a lot of questions about their reports. After a lengthy process we finally settled out of court in XXXX of XXXX and received a settlement check for {$160000.00} Our attorney XXXX XXXX advised us to not sign the check and send it into XXXX without having some type of signed written agreement on how it would be split up, he had a previous client with the same issue that we had and XXXX took the check and paid off his mortgage and did not leave the client enough money to repair the house. 
. Our new attorney XXXX XXXX was hired and he contacted XXXX to try to get an agreement on how to handle the division of the check ( he had to file an XXXX XXXX ), so that we could avoid racking up late fees on our mortgage etc. We had numerous hearings with the Honorable Judge XXXX XXXX, he would ask XXXX/SPS ( at some point XXXX sold or transferred our mortgage to SPS ). to bring someone to the hearing with the authority to make a decision on this and they never would, ( this happened quite a few times.So the case kept getting postponed meanwhile our late fees and interest kept adding up. 
Finally we agreed on the division of the check in XXXX XXXX ( see attached court documents ). We finally got the house fixed and moved back in on XXXX of XXXX. The problem with this is we had to come up with {$13000.00} of our own money to cover our expense when we moved out of the house for repairs. Per the joint stipulation agreement we were to be out of the house for 3 months and it would be finished and we would move back in. The delay by XXXX / SPS in getting the check to the XXXX caused the delays that cost us the $ XXXXXXXXOn XXXX/XXXX/XXXX we hired a new attorney XXXX out of XXXX Florida . 

In late XXXX XXXX I received a letter from SPS dated XXXX/XXXX/XXXX that we have been approved for a HAMP Tier 1 Trial Modification, the problem is they have made several errors in there calculations of what my home is worth and my income. 

XXXX/SPS has repeatedly disregarded what the judge in our case ordered and was never held accountable to this.
Consumer complaint received 2022-10-01
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. (NC)

On XX/XX/XXXX, I received a call from XXXX. XXXX XXXX of the XXXX Police Department regarding me being a victim of identity theft and XXXX apprehending the suspect who had counterfeit identification cards in their hands, one of which had my name and information on it. XXXX XXXX, the suspect, has been circulating since XXXX, taking people 's personal information by sending mail to other locations to get loans, vehicle loans, medical treatment, and housing. XXXX XXXX, the suspect, is presently being jailed on a {$100000.00} bail for mail fraud and other counts, and I have also charged him with identity theft.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WA)

US Bank XXXX XXXX XXXX account opened on XX/XX/23. XXXX XXXX applied at this time for {$500.00} bonus after holding {$5000.00} in account for 60 days. {$5000.00} deposited XX/XX/23. No bonus credited and they say wrong code was applied, even though they admit to having a dropdown at this time where you pick the code. Screenshot of offer taken by me, bank will still not apply offer. 

They have also charged multiple fees for paper statements and they refuse to enroll me in paperless despite multiple attempts by me. This may be corrected now. 

Website will not allow me to make external transfer as I keep getting an error trying to link XXXX XXXX XXXX account with plaid. I will try again later.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (HI)

In XXXX, I became aware that my son had been using my XXXX account. I called XXXX several times notifying them that my son was using my account. They changed my password, but he still got in. They deactivated my devices and changed my password again, but by that time he had my full card info. He got it by going into my XXXX account. He then opened a new account and attached my card to it. I then called the credit card company and told them. They told me that they would put a text alert on the account so that I would know if it had been used. The representative put the alert of the wrong account ( I have two accounts at Citibank -- the one I inquired about and a balance transfer account ). I did not want to close my account as I thought we had managed the problem through the secondary verification/fraud alert and I was about to leave on a two-week vacation in XXXX ( I notified them of my dates to be away at the same time ). While I was away, my son made {$3700.00} in XXXX charges. I called the credit card company again ( this time from XXXX ) and they finally put a fraud alert on my card and assured me that I would be reimbursed for the charges. After that call ( the third or fourth call I made ), every time the card was used, I received an email. If they had put a fraud alert like this on the correct account the first time I called, there would not have been {$3700.00} in charges. 

Also, when I called in before I went on my trip, I gave the company the dates I would be in XXXX. I do not understand how someone using my XXXX account repeatedly in Hawaii did not trigger a fraud alert when i let Citibank know I would be out of the country for 2 weeks. There were XXXX charges on XXXX while I was away -- none of them were made by me. 

Citibank now refuses to refund any of the money saying that I have to file a police report. They have tossed me back and forth. I have spent hours on the phone. One person hung up on me when I asked for the contact info for someone I could write to about this. Customer service supervisors refused to speak with me and refuse to take any responsibility for not issuing a fraud alert when I notified them of the activity on my account. My son is XXXX, but he is also XXXX. He has a severe, diagnosed XXXX XXXX problem. At this point, he can not work and has no ability to pay the money back. No one will be served by putting him in jail. 

The whole thing could have been stopped simply -- if Citibank had put a fraud alert on the account the first time I called in.
Consumer complaint received 2019-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Credit Adjustments Inc (NC)

The original consolidation loan amount in 2003 was for just over {$24000.00}. Fast forward through marriage, XXXX kids, multiple moves for job changes, LIFE. Repayment was off an on as I took time from work to raise children. My job is not high paying. Now the XXXX XXXX working with the government (? ) has garnished my wages, taking just over {$500.00} a month away from me. We already live paycheck to paycheck, and now I am not going to be able to pay my XXXX rent already. The debt they now seek for me to repay is over {$67000.00}. I am almost XXXX XXXX XXXX. I will be dead before they ever collect all of the money -- XXXX of which is compounded interest - but before that happens my children and I will be homeless and I will lose my job because of it. This is absolutely criminal. I can not believe they are permitted to do this.
Consumer complaint received 2019-12-27
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. (FL)

I have contacted Equifax on two occasions to verify late payments on a closed account with XXXX that was closed XXXX of XXXX. The first request was by certified mail on XXXX XXXX Tracking # XXXX. My second request was sent certified return receipt on XX/XX/XXXX Tracking # XXXX and received on XX/XX/XXXX by XXXX XXXX. The response received was appalling to say the least, which is supported by the documents which I have forwarded to you. Dates were changed and modified at random, not verified or validated to be true or accurate. Information that wasn't there before was added. Please explain to me how can you verify and report that I was late each month for five months AFTER THE ACCOUNT WAS PAID IN FULL AND CLOSED, and to add insult to injury I am a victim of their data breach as well.
Consumer complaint received 2023-02-11
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: USCB, Inc. (CA)

This company has clearly violated my hippa rights! 
The criminal penalties for HIPAA violations can be severe. The minimum fine for willful violations of HIPAA Rules is {$50000.00}. The maximum criminal penalty for a HIPAA violation by an individual is {$250000.00}.

HERE ARE THE HIPAA Violations Impermissible disclosure of protected health information, or PHI.

Unauthorized access of PHI.

Inappropriate disposal of PHI. 
Failure to conduct risk analyses when appropriate. 
Failure to correctly manage risks to the confidentiality, integrity, and availability of patients ' PHI. 

XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2019-12-27
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$1700.00} -This is not my account.
Consumer complaint received 2019-09-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/2019, I disputed the XXXX with the credit bureaus and requested a method of verification on how they verified the late payments. Now they have added late payments to closed accounts for XX/XX/2019 when these accounts were closed 2 years ago. 

After speaking with XXXX an XXXX representative he informed me that no information has to be verified, They just leave it without proper investigation.
Consumer complaint received 2019-12-27
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: SYNCHRONY FINANCIAL (UT)

I was using my Synchrony Bank managed Banana Republic card for training fees at a XXXX XXXX based gym called XXXX XXXX. XXXX  XXXX uses XXXX XXXX XXXX as their fee management company. Fees were assessed to my Synchrony account on the XXXX of each month in the amount of {$320.00}. The last charge to my account that I authorized was on XX/XX/XXXX in the amount of {$320.00}. 

My card was stolen on XX/XX/XXXX. I alerted Synchrony Bank the same day and I received notification that the account was closed. This is the account that XXXX had on file to charge the monthly fees assessed on the XXXX of each month. 

On XX/XX/XXXX, after repeated issues with receiving services from XXXX XXXX, I alerted the head of training that I was not authorizing the XXXX charges. I was not informed that I needed to contact XXXX. Instead I was told that they would take care of the cancellation. Additionally, the card number they had on file was closed, so I assumed it would not be possible for my account to be charged. 

On XX/XX/XXXX and XXXX, my new account was charged the monthly fee of {$320.00}. I do not understand how XXXX was able to access my new account as I did not supply that information to XXXX XXXX. I was never contacted by XXXX or Synchrony to authorize the charges. I logged into my Synchrony account on XX/XX/XXXX to make a payment. I saw the charges and immediately contacted XXXX XXXX. They were not cooperative and told me to call XXXX. All of my contacts with XXXX have been unsuccessful as they refer me back to XXXX XXXX. I immediately began disputing the charges with XXXX, XXXX XXXX, and Synchrony. I currently have a dispute claim open with Synchrony. However, I have not been able to get any information on why they allowed XXXX to charge an account for which they did not have the information. 

I am requesting that the {$320.00} charges, totally {$640.00}, assessed to my Synchrony account on XX/XX/XXXX and XX/XX/XXXX be reversed.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

It has been a ventureful pain to try and open an account with Capital One Financial Services. 
Every time I call to try and activate my card it has been almost a 15 minute call and I have been getting the run around for quite some time. You send me a pre-approved invitation to apply for Capital One through via mail which I accepted, I applied online on XX/XX/XXXX and was approved with minutes I received my card 7 days later on XX/XX/XXXX. I went to activate my card and it said that I needed to call Capital One in order to activate my credit card, the agent I spoke to then said I needed to send three additional documents via an email provided secure link, which I did for social security card, drivers license, and a bank document for proof of residency, then I was told that was unacceptable that I need to send a bank statement with the full account number listed. I am tired of calling capital one multiple times to activate my credit card, being given the run around, and how long this process has taken ( 8 days ), when the first time I sent documents it took less than 48 hours to receive a notification back. I am extremely frustrated how every time I explain my situation I am subject to no understanding and someone who doesn't speak english fluently, and who has minimal customer service etiquette. It shouldn't be this hard to open a credit card, and I kind of feel like I am being discriminated or at least strongly discouraged to continue business with Capital One throughout this whole process by the number of hoops I'm having to jump through. I would think if this was more than a matter of security such as my identity being stolen I would have reported that to the credit bureaus, and the police ...
Consumer complaint received 2019-12-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Escrow Errors : I was notified by mail in XX/XX/2019, that my escrow account was short in the amount of {$4600.00}, and that I had 2 options to make this payment : 1. To pay the {$4600.00} in full right away. OR 2. My monthly mortgage payment beginning XX/XX/XXXX, would increase from {$1500.00} to a new monthly payment of {$2200.00} I made a phone call to LoanCare on XXXX XXXX, spoke to a customer service representative who advised that I did not owe {$4600.00} and in fact needed to pay {$5300.00}. 
I made the full payment over the phone on XX/XX/2019 in the amount of {$5300.00}, thus, causing my new monthly payments, effective XX/XX/2019, to increase to {$1800.00}. 

Payment Errors : In XXXX I began receiving notices that my mortgage was late. After making my first phone call of many to LoanCare, I was told that my monthly payments were never adjusted even after my escrow was paid in full. LoanCare was collecting and holding my payments of {$1800.00} and deducting {$2200.00} from the holding account to satisfy the payment for 1 month, that began XX/XX/2019. This is still an issue even after several conversations with their staff to correct the issues. 

I also called on NUMEROUS occasions to have payment history corrected and ask that LoanCare contact the Credit Bureau to correct their reporting that my payments had been late. ( see evidence of payment below ) We are now at the End of XXXX and THESE ISSUES HAVE NOT BEEN RESOLVED.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capstone Credit & Collection, LLC. (NC)

XX/XX/XXXX I just got off the phone with CAPSTONE CREDIT COLLECTIONS LLC XXXX XXXX told me to stop wasting the governments money and go get a job to pay the money to them. i ask for the contract to show that they have the right to collect the debt he sent me an outdated contract from XX/XX/XXXX which was a general contract giving them permission to collect for XXXX  AT XXXX XXXX along with the new contract which he sent that's from XXXX XXXX XXXX from XX/XX/XXXX now its a new owner new company XXXX XXXX i asked for the new contract CAPSTONE does not have a contract to continue to try to collect anything. the company doesn't own or have a agreement to collect any debt or report any debt since XX/XX/XXXX which was XXXX AT XXXX XXXX which no longer exist.the sole purpose of this company is to trick people into paying debt that they can dispute and for CAPSTONE to try to collect a debt an pocket all the money without having to pay the original creditor is FRAUD and criminal. also XXXX told me why dont i put this energy into getting some money instead of being a pain in his XXXX and bothering them, which is the reason i need this off my credit report in the first place.