davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Person call spouse phone first then my cell. Said I was being suited for unpaid account on a XXXX XXXX XXXX. But suit goes back to XXXX. I have currently XXXX and my spouse Id financed thru XXXX. I call capital one which they said was the suit for and said BOTH MY ACCOUNTS ARE INGOOD STANDING AND PHONE CALL DID NOT COME FROM THEM. The numbers that were given to me were : Phone. XXXX on acct # XXXX court case file # XXXX. This is XXXX and Hope you can stop this.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

IN RESPONSE TO CFPB : XXXX MIDLAND CREDIT MANAGEM XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NV)

Prior to my previous situation I realize that because Wells Fargo XXXX that they are liable for all damages calls so I called Wells Fargo to find information on their XXXX XXXX XXXX bonds information. Also requested their bankers blanket bonds information none was given or could be given either through the several numbers I called all Wells Fargo branches different branches of the bank even the branches close to my house had no information on my inquiry Because DepositedNegotiable instrument promissory notes into my Checkings account and no money was given one promise and was promised to me Wells Fargo bank has stolen my property without compensation
Consumer complaint received 2021-10-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (TN)

Complaint against XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX both have have the same address of XXXX XXXX XXXX XXXX GA XXXX The companies did not properly file insurance claims causing denial of claims and are now trying to collect the balance owed and sent the bill to collection agency. Letter is attached.
Consumer complaint received 2020-12-03
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. (FL)

I humbly submit this complaint as I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX -- XXXX XXXX -- XXXX ( {$1000.00}, {$2000.00} ) XXXX XXXX -- XXXX
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

Citibank Inc recently sent me an offer to open a checking account with them. It was an offer that I would receive {$1000.00} bonus if I deposit $ XXXX with them in the next 30 days. 

I opened my account with an initial deposit of {$25.00} and then deposited {$30000.00} more into the account. They also have an option to connect the account through XXXX which verifies bank accounts instantly. I had linked my XXXX XXXX XXXX checking account to my new Citi Bank account and scheduled some external transfers after XXXX verified to Citibank that was my account. 

Citibank cancelled my transfers, and then did an " investigation '' and ended up closing my account. I tried calling probably 10 different times. I have no access to my money, when I call Citibank they can't find my account and have sent me no documentation whatsoever about my account. I have proof of all my documents, and currently Citibank has {$30000.00} of my money that can't be tracked. I did some more research into Citibanks practices and found that this has happened to quite a number of people, the same people that have gotten offers to move a large amount of money to their institution. Please help as Citibank has been no help and has not send me anything in the last 5 weeks in regards to a statement, funds being held etc ....
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

About 18 months ago I had a freeze placed on my credit reports. For the past several months I have tried to have the freeze removed but to no avail. I do not have the pin numbers for the freeze and the credit bureaus will not accept my answers to security questions even though the answers are common knowledge to me. I have done everything that has been asked of me but the freeze can not be removed according to the 3 credit bureaus. I have not been able to get an application processed for an automobile loan or a housing loan or to be approved to rent housing.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (PA)

I've been trying to log into Ally bank for the past 3 days to access my account, however, the service is down and I'm not able to see my balance, nor do anything with my money. 

For an online banking service this is unacceptable as Ally is neglecting customer issues and only providing vague response such as " We're working on this and do not have an estimated time for fix ''.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

This is my fourth complaint with Fay Servicing LLC. I understand the definition of predatory lending and feel that I am currently being subjected to such by this company. My original complaint case # was XXXX was closed in XXXX. However, the information that was required to prove their case has not been provided. After 15 years of paying interest on my home XXXX sold the mortgage and put amounts on the back end of the loan that they could not prove. My first complaint to the CFPB for for that reason, proof that his amount was owed. Although paperwork was submitted by XXXX after the CFPB stepped in, that information did not show proof of the backend amounts. 
This case has been in court for several years now with even the judge not able to get definite proof. My next court date is XX/XX/XXXX. After 15 years of interest payments the loan was sold to XXXX with these backend amounts still unproven. Just recently it was sold again to XXXX XXXX XXXX. These amounts keep getting higher and higher and with no proof. I have not been paying my loan in this time because I fear any payments made would only be applied to the unproven backend amount. I did a modification with XXXX as well as XXXX XXXX and both modifications have come back with amounts that would hinder me the borrower from being able to pay. They have stripped me of all equity, made me uncreditworthy and have consistently encouraged me to take a loan that they know I can not reasonably be able to pay back. The documents from the modifications include unscrupulous practices carried out by the lenders. I have went through a 90 day trial period where I have made payments to these companies only to find out when the modification is done that that the lender has hindered my ability to repay this debt. Currently with the new modification I am required to pay Fay Servicing {$170000.00} by the XXXX of XXXX. Pay XXXX XXXX, who has the mortgage held in trust this time to hide the identity of the buyer, over {$300000.00} over the next 40 years which would make me XXXX at that time and then a balloon payment of {$120000.00} at the end of the 40 years. Totaling about {$600000.00} for a house that I only owed {$220000.00} for the remaining principle.
Consumer complaint received 2020-07-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MO)

Loan # XXXX On XXXX XXXX we were notified by Quicken Loans that they would not be able to complete our loan unless more debt was paid off. We have emails stating what debt needed to be paid off and we did so. We also have emails stating where Quicken Loans stated they made a mistake on their end with calculating income. Unfortunately they did not figure out they made a mistake until just days before we were supposed to close on the home on XXXX XXXX. We did everything that Quicken Loans asked including paying off debt they stated needed to be paid and the mistakes kept happening on their end that greatly affected everyone involved ( realtors, buyers, sellers, title company, also leaving us in a situation with just days to try and find a new place to move my family into. We have via email where the loan was to be withdrawn and Quicken Loans is now stating they made a mistake with the verbiage and the loan was actually denied. I have that via email as well. We transferred the loan was to another lender but Quicken Loans will not change the status back to Withdrawn from denied so the lender can process our loan. Without the change the lender hands are tied and can't process the loan and again Quicken Loans is continuing to pour salt on the wound. All we are asking is for Quicken Loans to change the status back to withdrawn which it was supposed to be so my family can move on from this nightmare they have created. All we are asking is for Quicken Loans to change the status back to withdrawn so my new lender can process the loan on their end.
Consumer complaint received 2017-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I have been trying to complete the ID verification process at Coinbase Inc for the past two days. Their system indicates that customers will experience slow response times. There is only one way to upload and ID for verification via the app and no other option. My funds are being held hostage as I can not execute a sale until they verify my driving license. Very poor experience - I was also on hold for over an hour. Likely a similar experience for many others.
Consumer complaint received 2020-12-03
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. (NY)

As indicated what initiated the issue with Experian, is they denied me a credit card from XXXX which I questioned why since I have a credit worthiness. Either intentionally or an disregard for my request they continue to tell me I needed to submit personal identification to authenticate my identity before they can issue me my score. I do not need my credit score, moreover EXPERIAN mailed me a detailed Credit Report which I did not ask for. How did they know they were sending it to the right person ; since I have not complied with their request. I stands to reason that they have put my credit worthiness more at risk despite of their denial. 
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Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

CitiMortgage transferred the servicing of my loan to XXXX at some point and failed to notify me as required by regulation and law. The company has long had the means to reach me and consistently sent me emails and their attorney 's have my mailing address. 

Moreover, CitiMortgage is suing me in Florida 's XXXX XXXX XXXX XXXX, Case No. XXXX. For the past 4 months my attorneys and I have asked for a detailed accounting of all the charges they've assigned to my loan. To date CitiMortgage and its attorneys have failed to provide this information which I am entitled to under the law. I have written countless emails disputing the payoffs amount they have sent to a third party. However, their lawyers will not release the details of the charges added to my mortgage loan. 

Finally, CitiMortgage and its attorneys released my loan information to a third party without a written authorization signed by me allowing them to publish and share this information with a third party. While willing to share this information with a 3rd party they have failed to provide me with a detailed accounting of all the charges and fees they have added to my mortgage loan. 
In short, CitiMortgage has engaged in deceitful, unscrupulous and unlawful conduct regarding my mortgage loan and I am requesting that your bureau investigate and censure them.
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (IL)

As of XX/XX/XXXX, my job was affected through COVID-19. As on XXXX, I was offered a job a XXXX, and continue be on and off lay off, it can be verified through layoff on news articles, and currently not working due to XXXX complications in the first trimester. Ive called Credit Acceptance if they have any hardship plan that I was able to qualify for during the COVID-19 Pandemic. Unfortunately I was denied. As of XXXX my XXXX XXXX XXXX was Repossess by XXXX XXXX. I paid in the dollar amount of {$690.00}. In order for the truck to be released, unfortunately that would be the only reliable source of transportation meanwhile I find a Suitable and permanent place of employment. As of XXXX I also mention to them that, I mention to them prior repossession occurred that I mention I did call for a hardship program but they mention they did not offer such assistance.
Consumer complaint received 2017-12-15
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. (TX)

XXXX XXXX XXXX XXXX XXXX Credit Card As of XX/XX/XXXX XXXX XXXX has reported to all 3 credit bureaus that no payment has been made since XX/XX/XXXX When Payment ( ACH from a checking account ) were made in XX/XX/XXXX ; as well as on XX/XX/XXXX to the XXXX XXXX Account. 
Called and asked the company to remedy this within 10 business days or a complaint would be filed, the said go ahead and complain. 
Due to this false reporting my credit scores have each dropped in excess of 100 points, causing great injury to my credit health and my immediate financial future as a consumer.
Consumer complaint received 2022-04-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Scratch Financial, Inc. (FL)

I opened a line of credit with scratchXXXX to take care of XXXX XXXX Originally the loan was opened for {$1500.00} but I was informed that I was approved for over {$6000.00}. Later it was determined that I did not need that much money for my dog and only {$430.00}. They did not adjust the monthly payment of the loan for this amount. I called them and they said I needed to speak with my veterinarians office but I explained that my vets office was not open and if I waited the bill would be late. The woman I spoke with said there is a grace period I didnt have to worry about the bill being late. I called my vet and they said said they would notify ScratchXXXX and I would get a new bill. I did not get a new bill. I was hit with a late charge and I did make a payment but they are telling me the amount is incorrect. Also, today I needed to use {$170.00} of the loan and they said I will have no trouble adding this amount to my loan. Later after my vet added the amount to my balance I received a call from the vets office saying they took it back. I called scratchXXXX and they said my loan is no longer valid as of XX/XX/22 and that I needed to apply again. I applied and they denied me the funds. I dont know what to do. This is not a significant amount of debt but I dont feel like this is how loans work nor do I feel that I am being treated fairly.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I Have worked hard a American XXXX man to repair my credit from when I was young and In the XXXX services. Many of the Accounts attached to my credit are blatant fails fraudulent charges. like the fact that I used the Yellow Ribbon Program and my Post XXXX XXXX  XXXX to attend XXXX XXXX and Yet XXXX has charge my credit with a XXXX dollar delinquent credit that should not exists. Especially since I went to school online and all the classes where paid for by XXXX XXXX. What is worse is I have several Charges on my account for inquires I never made and A car company I don't own money too and Is to old to be on my account. Even with all of the inaccurate data between all three Bureaus I can see, My credit is showing as worse than my wife credit when I have never missed a payment in 5 years and I make almost three times the money she does. I believe this to be a fact solely do to the XXXX of my skin and I see this a purley foul play. How is it that i make XXXX XXXX a year along yet, I can't get a credit card without being willing to do a secured card? Yet, my wife only makes XXXX XXXX a year and has a credit card with a XXXX XXXX limit? How is it a XXXX man I served with with no Job can get a credit card with a XXXX XXXX limit and has a XXXX credit score even though he owes XXXX XXXX on the card with several missed auto payments since 2014 yet. I cant even get one from Major card companies and the ones that will only give me a XXXX limit? It's insulting and demeaning.
Consumer complaint received 2020-12-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

In XX/XX/2020 I filed for Forberance with Loan Care, my mortgage company and they told me that this would not be reported as a missed payment being that the Forberance would be in place. I called to check on the status of the Forberance and they had not put the Forberance in place. They filled it for me in XX/XX/2020 and reported missed payments on my account. I have reached out to them about this they reassured me that the negative reporting would be removed and I disputed the negative reporting and it still showing that they reported this correctly. I need this removed from my credit ASAP being that this is a false negative report on my credit. My score and credit has been negatively impacted because of this.
Consumer complaint received 2020-07-23
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: WELLS FARGO & COMPANY (NY)

This is in regard to my Wells Fargo mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XXXX through early XXXX. Wells Fargo, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX XXXX. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on Wells Fargo 's side ( I wasn't able to make online payments ). I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

Thank you,
Consumer complaint received 2021-05-01
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: DISCOVER BANK (MN)

Attached is our complaint in PDF. After reviewing this issue with my lawyer, we found multiple Metro 2 reporting compliance issues. We are requesting the inaccurate late payment to be removed or we will see Discover in court. XXXX and XXXX already deleted the account for violations against the Fair Credit Reporting Act.