davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
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: Lendmark Financial Services (GA)

On XX/XX/2018, I purchased a car for my daughter who had recently XXXX from XXXX XXXX with the intention of selling it to her within a couple of months after she was able to get her finances in order. I discussed this scenario with the loan officer as we were going through the closing documents which included the option to purchase GAP insurance which I had initially agreed to as we were going through all the closing documents. As I continued to go through the stack of documents, the loan officer, my daughter and I chatted about me selling my car to my daughter within the next XXXX months. The loan XXXX then advised me that the GAP insurance would not be transferable to my daughter XXXX months later when I would sell the car to her. Upon hearing this news, I advised the loan officer that I no longer wanted GAP insurance. She went to speak to a supervisor to see how to handle the change since the paperwork had been processed that included GAP insurance. She came back and advised me that since the manager had to leave early that day, and had already approved the transaction, she would send me a refund for the GAP insurance. I had no reason to doubt that they would keep their word but wanted to make sure that it was notated in the closing documents. I drafted a statement advising that I no longer wanted GAP insurance and that document was included in the closing documents. 

I waited patiently for the refund for a couple of weeks and did not receive it. I phoned the office and was advised that the manager would get back to me with the refund. I never received the refund. I continued to call the office and was later advised that those funds would be applied to the balance. I was fine with that since I would be selling the car to my daughter within the month. Upon receiving the final payoff, I noticed that there had not been an adjustment for the GAP insurance. I began calling the office again. Once again the manager was out but the supervisor remembered my conversation with the loan officer and the fact that we had made the notation during closing. He said the manager would handle it. 

After a few weeks, I had the opportunity to speak with the manager and she advised me that even though I changed my mind during closing that GAP insurance was not refundable. When I inquired as to why the loan officer stated that I would get a refund, she simply said she didn't know why she would tell me that. I reminded the manager that my signed document declining GAP insurance was included in the closing documents. She said she was aware of that ; however, I couldn't change my mind even at closing.
Consumer complaint received 2018-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage (GA)

I was approved for a loan modification. As with any business offerings I was presented with a contract, and they supposedly explained all details. However one detail was missing, an explanation of corporate fees. According to a letter I received a letter months later, I had accumulated almost {$3000.00} worth of these fees. These fees were not initially mentioned and I was led to believe this process would cost me nothing out of pocket. I was approved for the loan modification and my payment was lowered and I was able to catch up my mortgage. However I ran into some financial trouble where I missed 1 payment. This is when my mortgager made me aware of these fees. It was only after I missed this one payment that my mortgager began demanding payments for these fees. They have threatened to foreclose on my property. I unhappy with these unethical and misleading practices.
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX I received a collection notice dated XX/XX/XXXX referenced by Account # XXXX from Transworld Systems Inc. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, PA XXXX. In their collection notice they stated the following. " A credit reporting agency has indicated that an inquiry has been made on your credit report. We hope that you are now in a better position to pay the above account ( s ). '' This company is attempting to collect the sum of {$340.00} that they allege I owe to XXXXXXXX XXXX XXXX. I had an account with the aforementioned security service that I cancelled in XXXX because of the financial difficulties. I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and was granted a Discharge of Debtor on XX/XX/XXXX, Northern District of Texas Case No : XXXX. XXXX XXXX XXXX was one of creditors that I listed in my filing. Transworld System Inc. attempt to collect {$340.00} is not made in good faith and they are in violation of the relief I was granted.
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (CA)

ZIONS DEBT HOLDINGS {$1700.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX They are trying to collect a debt from my XXXX  Sister. I do not owe them anything. I have had no contract with them and they have reported this to all three credit Bureaus. Who are they? They need to remove this from all three credit agencies. How can you use XXXX and create fake documents? I don't know who you are. You tried this on XXXX already now you trying it with XXXX.
Consumer complaint received 2022-03-10
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reviewed my consumer reports and noticed that I had two late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information in the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside the complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as the should be due to the fact I was never late. Thanks! Please see attachments.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (OH)

In XXXX, My XXXX XXXX XXXXXXXX Checking Account got Closed due to Fraud Transaction. 
I was a victim of the Fraud Transaction, in XXXX around XXXX i posted an advertisement for my apartment to rent as i am moving out of XXXX and relocating to XXXX XXXX, XXXX due to Job Change. A person contacted me through the Advertisement which i posted in XXXXXXXX XXXX. he sent me a check to deposit in my account as rent in advance for the XXXX month, i tried to deposit twice as initial time it didnt work properly, so i asked him to send again and he sent again. I tried one more time, the check turned out to be Fraud check and XXXX ( XXXX ) immediately locked my account and told due to fraud transaction we are closing your account. i tried to speak with Bank but they didnt listen to me. From then i was not able to open checking account associated to my SSN. i tried to open in Chase bank, XXXX XXXX but all i got is application declined and gave an email to reach out to XXXX XXXX XXXX 

On XX/XX/XXXX, i spoke to customer service on XXXX XXXX XXXXs. They took note of every piece of info i gave and filed a compliant and told me with in 10-15 days i would receive a report which will give me the full information about the issue. but i have not received any letter as of now.

Please let me know how it can be resolved
Consumer complaint received 2018-08-21
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. (GA)

Bankruptcy DISMSD/CLSD XXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... 

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AL)

I had no balance on my card after my initial purchases in XXXX because I paid it off in full in two payments including one in XXXX for half and XXXX for the other half ( including interest ). I was unaware there was a finance fee charged and additional interest ( {$1.00} ) on a nonexistent balance and I didn't receive any paper statements alerting me of this balance. I had paid in full so I did not check the balance and recently discovered I had accrued months of late fees and interest charges after a paper notice was sent to me months after these charges were applied when no statements of my balance were sent prior to this. This was reported to my credit score and I am very disappointed as I was excited to be an XXXX XXXX cardholder and now it has had a negative impact on my credit score. I have never missed a payment until now and I feel blindsided by the fees and would like this to be removed from my credit report.
Consumer complaint received 2020-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MO)

This company has continued to sell and report this account although I have disputed the validity. We agreed to a settlement that has not been honored to the current date. Please see attachments of accepted, signed and cashed check as well as accepted settlement agreement. 

Breach of Contract Agreement Contract Agreement violation Missouri common law, by Article II of Missouris UniformCommercial Code ( UCC ) A breach of contract : Breaking a binding legal document by failing to satisfy the terms of the contract without a lawful reason [ including unilateral law : signed, cashed and deposited check ] Details of Accepted Settlement Agreement to date XX/XX/XXXX JEFFERSON CAPITALACCEPTED SETTLEMENT AGREEMENT XX/XX/XXXX CASHED CHECK VERIFYING ACCEPTED SETTLEMENT AGREEMENT JEFFERSON CAPITAL ASSIGNEE OF XXXX XX/XX/XXXX JEFFERSON CAPITAL [ XXXX ] -Honor Accepted Settlement Agreement Request-Mailed letter to Jefferson CapitalXXXX duplicate request of agreement including removal of debt and to stop reporting debt and selling debt to other collection companies [ to honor the additional terms of our agreement ]. Mailed letter to ALL 3 CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ) to request removal of debt and to stop reporting debt and selling debt to other collection companies [ per honoring the additional terms of our agreement ]. 

XX/XX/XXXX CURRENTLY, It appears to be still showing up on at least two Credit Reporting Bureau ( XXXX/XXXX  ) as XXXX/XXXX  ( charge off and sold to another lender ). One is reporting in current/good standing and the other is showing as derogatory!!! 

I have made numerous attempts over the past years to resolve this disputed and erroneously reported issue, but to no avail. I agreed to do a settlement just to receive a final resolve but to no avail. I am reaching out for help. I continued to experience financial damage/loss and would like immediate recourse in getting this very unfortunate situation resolved! 

Thank you for your time and due diligence in this matter.
Consumer complaint received 2018-08-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been trying to get a loan modification from Bank of America. I have tried many times and every time I get the modification back I am either denied or it has a higher interest rate and payment than my original mortgage .I have spoke to them about selling my home myself and they have put me in foreclosure with a sale date of XX/XX/2018 with a month notification .Myself and my child have no where to go and also no money to start over again. Can you please help me stop the foreclosure so I can sell the house myself so I can try to get a little money after Bank of America is paid so I can relocate and start over. Thank You,
Consumer complaint received 2022-03-10
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Closed XXXX XXXX XXXX XXXX. reporting invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Hello, I recently came across the Wells Fargo lawsuit. I banked with them during college back in XXXX - XXXX. While banking with them, I was charged an incorrect overdraft fee to my checking account multiple times.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

Hi, I have attached emails i have sent to my " borrower advocate '' at LoanDepot. I am currently in forbearance and I am trying to exit forbearance but LoanDepot does not seem to want to accept my payment. I get sent in a circle, go talk to the borrower advocate, then yes go ahead and pay, and then it turns out I can't pay they are demanding my full 12 months of payments before I can make a mortgage payment. 

I tried to pay over the phone and kept getting sent in circles I tried to pay online and they will only accept XXXX or nothing I explained I have an application pending for homeowner assistance and I want to start to make payments but nobody will assist me with this
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

On XXXX XXXX I sent a certified letter to National Credit System inc for debt validation. the letter arrive to the company on XX/XX/2020. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately XXXX XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete. In the validation letter package I sent a Cease and Desist for the company to stop with harassing calls which National credit system inc finally comply to do but they never responded to my validation request.
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NC)

I received notice that 4 collection accounts from AmeriFinancial Solutions were placed on my credit files. The company did not verify the debt was valid and belongs to me prior to placing the accounts on my credit profiles. This company is in violation of the FCRA standards.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2022, I noticed an unauthorized transaction for the amount of {$210.00} from an unknown company labeled as XXXX XXXX XXXX XXXX. I called my bank right away to notify them the transaction was unauthorized by an unknown company. The Bank replied that my account must be charged for them to be able to file a fraudulent claim with XXXX company and even though the transaction shows as pending the Bank can not reject or deny the claim. So the Bank does not care this is the first time something like this happens ; they treated me as if I am constantly reporting unauthorized transactions or as if I am lying about the unauthorized transaction.
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (GA)

Hi, I was contacted my XXXX with United Collection Bureau Incorporated for a medical bill that my husband owes - I do not owe this - and they keep harassing me. Futhermore, this is a debt he doesn't owe because we were told that our insurance company would cover it for my XXXX XXXX  XXXX XXXX. We paid money up front for this and I am being harrassed. I told these people at least twice, this is my husband 's debt and to not call me again.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

DBA XXXX XXXX XXXX {$460.00} DBA XXXX XXXX XXXX {$300.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.
Consumer complaint received 2018-08-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Larry H. Miller Group of Companies (AZ)

On XX/XX/XXXX I went into the car dealership ( Larry H Miller Group of Companies specifically XXXX XXXX XXXX XXXX of XXXX, Arizona ) to inquire about purchasing a vehicle. I worked with XXXX XXXX and was denied due to not having any established credit history but was told that XXXX would " look around '' to see if anyone would loan me the money to purchase a vehicle ( XXXX XXXX XXXX ) On Sunday XX/XX/XXXX, XXXX called me back and informed me that he found a bank that would accept me as a borrower and I needed to go to the dealership to sign paperwork. Me and XXXX discussed how much I would be able to afford per month and I informed XXXX that I would like to spend around {$300.00} per month and XXXX indicated the only way I'd be able to get the car would be to pay {$450.00} a month which I informed XXXX that I couldn't really afford that cost but I needed a car so I agreed. At the time I was unaware the borrow was through the dealership itself. I feel like I was a victim to predatory lending as I felt pressured to come to the dealership because I was informed that I would not have been able to get a loan from anywhere else because of my lack of credit history. I was given a loan with a 20 % interest rate with a 72 month term from XXXX XXXX through the dealership ( XXXX XXXX XXXX XXXX XXXX ). I borrowed the amount of {$18000.00}. During this purchasing agreement, I was also sold a Total Care Auto warranty ( Guarantee Auto Protection ) for {$790.00}, which I feel like I was taken advantage of based on my race, age, lack of experience purchasing a vehicle and was sold on a product when they knew I was being charged at such a high-interest rate that they could take advantage of me.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (NC)

I received a call XX/XX/2018 that I needed to pay my last due balance of {$140.00}. I told the rep I would do a transfer in cash before XXXX. He said I should pay with my checking account and I promised to make a payment. I told him last month I received a 30 day late payment and I paid XX/XX/XXXX. He said that payments need to be received by the XXXX every month. On my credit so far I am charged three late payments. Navy Federal is destroying my credit. I think they are personally attacking me due to my last complaint on this website. I am trying to repair my credit but this is the only credit card destroying my credit. I told the account representative that I almost died XX/XX/2018 when I XXXX XXXX to a XXXX XXXX at XXXX XXXX. However, the only option was deferred payment for two months or close your card out completely. I want to remain a navy Federal customer I just want them to stop reporting me late for all of these months. I have  never ever missed a payment. I have a XXXX XXXX XXXX on a XXXX XXXX. I cant even get a new car because of the status of Navy Federal. Please assist me with the {$82.00} of fees that was charged since XXXX XXXX.due to these ridiculous fees Im now over the limit. Ive brou amazing business to Navy federal. I co own a card with my mother and I pay hers completely every month. Her payment is less money and I charged XXXX