davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: DriveTime (TX)

I purchased a XXXX GMC Envoy on XXXX/XXXX/XXXX from Drivetime. Repairs started immediately on the vehicle, the first repair was approx a week after purchase. Some receipts we were not given because it was within the 30 day warranty and they would not give us receipts for the work that was done by their preferred mechanic XXXX XXXX. The dates of all the repairs made by XXXX are as follows,XX/XX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX.And our portion was {$100.00} each time these repairs were made. And we also had the lift system replaced due to a busted air bag XX/XX/XXXX for {$420.00}, and I paid {$470.00} on XXXX/XXXX/XXXX for repairs to XXXX XXXX because XXXX was unable to complete the repairs that he started. We are advised by the shop that replaced the lift system that the vehicle looked like it had been under water underneath the truck. Well my husband attempted to change the brakes on Sunday XXXX/XXXX/XXXX. He was unable to get the brakes off due to the bolts were rusted on to the truck. The brakes and rotors are COMPLETLY rusted and the brake shield which is steel falls off into pieces to the touch. I had previously ask for another vehicle and was told that is not considered until the cost of repairs total the cost of the vehicle.We are well over the blue book value which is starts at around $ XXXX and the repairs at his point are over $ XXXX! We have photos and video of the rust on the wheel and brake issue. NOW they are telling me they do n't replace unless the cost of XXXX repair has to total the value. THIS IS NOT WHAT I WAS TOLD. I WAS SOLD A LEMON THAT HAS BEEN UNDER WATER! And now I was told to take the truck to XXXX again to look at the rust and brake issue. Now I am being told they will not cover the repair. I knew this would be the issue and I do n't want it repaired I want them see the rust and disintegrating steel and put me in another vehicle. Now it has cost me {$50.00} for nothing other than them to tell me they do n't cover the repairs. Well I knew this! And the vehicle is still not running properly, it seems that the transmission is going out. And of course we are being told take it to XXXX, LOL ... ... I was SOLD A LEMON AND THEY KNOW THIS!
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XXXX, XXXX, XXXX ... XXXX XX/XX/2020 USAA took {$1300.00} from my Checking Account. I had deposited it in XXXX. XXXX XXXX at XXXX XXXX XXXX XXXX  in XXXX XXXX, CA says he does not have a stop payment or a deposit returned to his client, my former boss, XXXX XXXX  If this is true where did my Money go? USAA has not told me where the money went jut that it i gone which was my initial complaint of not providing my electronic deposit with FDIC protection. Where did my {$1300.00} go? To XXXX XXXX maybe?
Consumer complaint received 2022-09-07
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still this item is visible on my credit report. This is so unbelievable! How can you guys let these multiple complaints pass? I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. I have sent my documents, the FTC report I filed on their website and the Police Report which I filed on my local Police Department to make things clear that I am an IDENTITY THEFT VICTIM. PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance $ XXXXLate/Closed Late Dates XXXX
Consumer complaint received 2018-03-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bronstein & Weiss Arbitration (TX)

Received another call from the XXXX XXXX on XX/XX/XXXX telling me that their process server couldn't make contact with me so  another was being sent to the court house to be served to me there. No mention of who I supposedly owe, or am being sued by, etc ....
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-02-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (NM)

Halsted Financial Services is harassing me by calling me multiple times between XXXX every day looking for someone that is not me. When I told them to stop calling they say ok and or just hang up before letting me get another word in. I've also called them and told them that the calls come in from a spoofed number XXXX in which I can't even call back because instead removing me from there call list they blocked my number and nothing is said from the robo call it just hangs up. 

Most agents refused to give me the company they worked for and it took me 3 to 4 calls to actually get someone to say that and where they were located. They call me from multiple phone number ID 's instead of there XXXX number. XXXX & XXXX XXXX are the two numbers just today that they used. 

I'm guessing Instead of removing me from there call list they only remove me from that specific account. I'm not that person and should NEVER be called because I don't have any debt in any agency. I've added my phone number for all calls to be recorded so I'll be attaching that to further cases if this harasment doesn't stop.
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (PA)

I an enrolled in paperless billing for my Citibank XXXX XXXX credit card. For over one month, I am unable to view previous statements while in my online account. After a very long discussion with a supervisor in XXXX, I thought this issue would be resolved, but it has not. This appears to be a technical issue with the website, but as a customer, I need access to my online statements.
Consumer complaint received 2015-10-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have had the same Home Equity Credit Line for the past 18 years. My original loan was with a bank that TD Bank bought and the loan and conditions were grandfathered to TD Bank. The loan has no expiration date and is what TD Bank calls an Evergreen loan. Recently, TD Bank has been trying to get me to change the conditions of the loan to one which has a 10 year cap, which means the loan ends in 10 years. The bank is asking me to requalify for the existing loan on an annual basis which forces me to complete an absurd amount of paper work. The bank has told me that if I agree to change the conditions of the loan to the 10 year cap there would be no paper work now, or in the future. I have never been asked to provide any additional paperwork in the 18 years that I have the loan. This is clearly HARRASSMENT to get me to change the loan, which is not in my best interest. I have made repeated to clarify this with the bank but have not been successful.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

Payment debited from your bank accountXXXX Inbox XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX hours ago ) to XXXX, bcc : me our regular member Your account will be auto debited WITH {$340.00} the next 12-month subscription. 

We thank you for completing one YEAR with XXXX XXXX 



RENEW date : XXXX XX/XX/2022 Payment mode : auto debited BILLING no : XXXX End : 1 year If you have any queries or WISH to cancel the subscription, please connect user + XXXX ( XXXX ) ( XXXX ) ( XXXX ) within XXXX  HRS. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2017-10-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company (MD)

JG Wentworth ( mortgage broker ) offered a 20 year mortgage refinance at 3.49 %. Just prior to closing, I was given a final loan package to review which indicated that I would need to bring {$3000.00} to close with my new loan payments set to begin in XX/XX/XXXX ( I did not wish to " skip '' a month of payments in the new loan ). I also discussed the cash to close amount with the loan officer XXXX XXXX. Finally, I made preparations with my bank to have these funds ready for closing. The loan closing was pushed back a couple of days, for unclear reasons on the lender 's side, and I was scheduled to close on XX/XX/XXXX. At closing, when reviewing the documents, it appeared that the entire prepaid/escrow amounts had changed as did the plan for me to begin payments in XX/XX/XXXX.I moved forward with signing the paperwork ( with knowledge of my right to rescind ) and contacted the XXXX and her supervisor XXXX XXXX . Per the loan documents, the first payment was pushed back to XX/XX/XXXX ( without my notification or approval, resulting in additional interest prepaids being due at closing ), the 6 months of property tax escrows were moved to prepaids and 2 additional months of escrow were added. As a result of these last minute changes being made ( without my review, approval or notification ), the closing amount increased significantly to {$5100.00}. No clear explanation was given despite my speaking with the loan officer and her supervisor. I requested that they honor what had been offered to me. They continued to tell me how it was in my best interest to close the loan given the fact that rates had increased. I was offered {$450.00} off of the closing amount. I asked for them to fix the paperwork to reflect what I had agreed to and allow me to close prior to my rate lock expiration XX/XX/XXXX or to extend the rate lock x 2 weeks to allow time for their paperwork to be corrected. I reached out to the XXXX XXXX ( supervisor ) and requested that I be contacted regarding the plans for my loan. Absolutely no attempt was made by JG Wentworth to remedy this issue prior to loan rate expiration. It also appears that they have blocked  my access to the online portal containing all of my documents related to this loan. I was able to download the documents to substantiate my complaint prior to this action being taken.
Consumer complaint received 2022-09-07
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. (TX)

FCRA state that all information on credit report must be accurate, I was looking over my credit report & found three fraudulent derogatory marked accounts, this have left me in a state of XXXX! XXXX XXXX XXXX was the original creditor this debt was sold which is illegal & now these fraudulent accounts are on my name, I wish to have these accounts removed from my account at your earliest convenience!! 

XXXX XXXX XXXX XX/XX/2019 Open Balance : {$1200.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00}
Consumer complaint received 2016-08-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I submitted a payment through XXXX XXXX whom then gives me a confirmation number, which then the funds are then drawn from my personal bank account. Seterus does not offer any other options for payments. I am elderly and on a fixed income, I have XXXX late payments and my account is current. Seterus is now saying I owe them a late fee for a payment that I clearly made to them. I called in to their care dept, they were not willing to help me and told me my payment confirmation number meant nothing to them and that I should than take issue with my personal banker for the lapse in payment. So I say again I 'm XXXX yrs old on social security with no other income and really ca n't afford to pay them for their clerical error. The funds have been in the bank since payment was rendered. Now They want me to travel to them and show proof of payment. I Am ready to give up. This company Seterus is awful and the web is litered with complaints of the same type of abuses. Please help me!
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I opened my e-mail from my citi cards account to be informed that the line of credit on my account was being reduced from {$24000.00} to {$21000.00} and the stated reason was that I had big balances on other bank credit card accounts. I have had the citi card since XX/XX/XXXX, and with the exception of XX/XX/XXXX, I have paid my account in full or in an amount exceeding the minimum payment each month before the due date. Last month I was visiting friends in the Florida XXXX when I mailed my citi card payment on XX/XX/XXXX, but the payment was not credited to my account until XX/XX/XXXX.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I had a dispute with XXXX XXXX XXXX in regards to the accuracy on my credit report. I had wrote a certified letter on XX/XX/XXXX to them requesting validation with signature. They sent paperwork but never put it on my report that i was disputing it within those 30 days. I sent another letter on XX/XX/XXXX in regards to it and are still reporting it on my credit report when it is against the law.
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

This is my second complaint against my wife 's mortgage company, PennyMac of XXXX, CA. XXXX. 

She was the victim of arson back in XX/XX/XXXX. Her insurance company shelled out nearly {$10000.00} for the repairs. We 've received less than {$20000.00} and that was back in XXXX. We have yet to see a check in XXXX. We have done everything they 've asked and yet we ca n't get XXXX money to repair our home. Too many excuses. 

My wife was given a trial modification. She paid all 3 months as required. She was then given a permanent modification starting in XXXX and yet we were still served with foreclosure papers. We had to go to court to let them know we were in modification. Can someone please explain to PennyMac that dual tracking is against the law? Can someone please serve PennyMac with a copy of the National Mortgage Settlement Act of XXXX so they will have their very own copy? it appears no one there has ever heard of dual tracking. At least that 's what they tell my wife when she calls. This is my final complaint. My next action will be in a court room.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NH)

I had requested a free credit report. I was unable to receive the report at the time of the request. I believe this may have been due to a lock on my wife 's credit, but I can not be sure. I only know that I received a message indicating a problem and that I needed to call. I was not able to call for several weeks, at which time I was informed that the report I had requested was expired and would have to wait a year to receive another XXXX. Unfortunately, I had requested a separate report from each agency and found the same result. I still have not received a report from any of the agencies and can not receive a free XXXX for a year.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
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. (IN)

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$200.00}, Inquiries Not Included XXXX : XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (OH)

I have been attempting to resolve this for nearly 8 months, I have spoken to branch managers, telephony support, XXXX XXXX and recovery department. I have been with US Bank for over a decade. This was a secondary accounts used by my son, I was actively working to resolve and the bank closed the account and sent my account to collections within a week and added a negative marking to XXXX XXXX. 

I have made several attempts to pay this balance and get the marking on XXXX XXXX removed. I have over a decade banking relationship with US Bank, and have not be treated as a long standing customer. There has been little attempt on the bank 's behalf to resolve this. This has been ongoing for 7 months.
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

I opened an account on line and then received a call to call them about the application. When I called them the representative could not find the reference number. After transferring me twice and account representative said they could not determine what the issue was but my card was approved and in the mail. I received the card and immediately actived it online as instructed. I then received a call from there fraud unit saying the account was on hold. I again called and was told the account had been activated and I was good to go. I attempted to then use the card at  XXXX  and the transaction was declined. I used online chat to check the status and the agent said the card was on hold for frau d. Citi continue s to tell me the card is good and then declines my usage. I am going to cancel the card because it appea rs Citi is trying to  run a  XXXX  FICO score. I am a good paying consumer and it is clear  Citi has no regard for it 's consumers. This is poor treatment and it is clear Citi processes are  designed to force consumers to call them to cross sell products and waste your time. I have other  XXXX  accounts so they already know me as a customer. I want others to know they should avoid using Citi!!
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CO)

Chase calls me and hangs up frequently. The Chase app directed me to call about settlement. I did. They made no offer to waive late fees. Some of fees were charged on payments that were 1 ( one ) day late. When I became unemployed and told them that was all the income I had they want to put the entire amount on a payment plan while not negating any interest or fees. Trying to work it out with them doesnt help when they are not communicative and continue to charge fees and interest.