davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : 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 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 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 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 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 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 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.
Consumer complaint received 2021-04-29
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: BBVA FINANCIAL CORPORATION (TX)

COMPLAINT ID XXXX This is a partial continuation of the above complaint against BBVA. My main concern is that no one at the bank is able to provide any help or clarity regarding my ongoing issue ( s ). I had a representative from BBVA reach out after XXXX, ( who is my case manager for complaint XXXX of CFPB ) got a hold of them for my first complaint regarding the bank error missed payment fiasco. This BBVA representative told me the check would be mailed as it was the banks error, and that portion of my complaint was resolved. This BBVA representative also informed me that because my card accounts ( both of my credit cards ) were closed due to this bank error that she would assist in reopening my card accounts. I received a letter in the mail dated XX/XX/2021 that effective immediate my credit card accounts would be reopened ( I have attached this letter ). However one of my card accounts is still " closed '' and the other is still " blocked ''. 

I have called BBVA everyday since receiving the letter and all departments and all representatives tell me they have NO IDEA what is going and they are unable to help me. They transfer me to general help, fraud department, and recovery departments. None of these people know what's going on with my accounts and therefore can not reinstate/reactivate/ or mail me new cards. I have attached screenshots of my phone calls with the banks and the long hours I have spent dealing with their representatives that can not and do not help me. 

The initial bank representative that reached out to me gave me a call back number of : XXXX but no one answers in calling back and I do not have a representative 's email or case manager. 

All I want to do is be able to use the credit cards that I opened, their numbers are as follows : XXXX & XXXX
Consumer complaint received 2022-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union ( NFCU ) allowed one of their customers to fraudulent deposit 3 checks that were returned to me as overpayment. The checks went to an old address and I had no knowledge of it. Once I was given copies of the checks by the State of Georgia I reached out to the NFCU to make a fraud complaint. They found out who deposited the check, they wouldn't tell me who, but refused to give me my money back. They told me to go back to the check issuer and even to go back to the bank that issued the check. Why not go to your criminal customer and get my money back? They told me they have flagged the account and nothing else. 

I posted a review on XXXX and they, of course, troll those sites. They told me to reach out on social media and again nothing. They stated that I should contact the issuer of the check. It's a shame that the media can get done what a simple everyday customer can't. Businesses should not worry about their reputation only when it's negative in the media. If they worried about the complaint when it came in then it usually wouldn't get to the media. 

I have filed a police report but of course this is a low priority on their totem pole. NFCU should just do the right thing and return fraudulent gained money. 
I don't have an account with them but my wife does. This transaction has nothing to do with her account. The criminal just happened to bank at the same institution she does.
Consumer complaint received 2023-04-15
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: CREDIT ACCEPTANCE CORPORATION (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose... 
The dates are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-11
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: CARRINGTON MORTGAGE SERVICES, LLC (KS)

Called to collect payment on a payment that was not due for 5 more days. The company called my place of employment to reach me prior to trying my personal number. I had not provided my work phone number. In starting the phone call they said that they need to inform me that this was an attempt to collect a debt. I am a customer/account holder for a mortgage this language is commonly used for delinquent accounts not accounts that are current. 
Last month they called before payment was past due to my personal number.
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BBVA FINANCIAL CORPORATION (TX)

I received a notice from XXXX XXXX, XXXX over an over drafter account I had 9 years ago that was charged off by the bank, now they have listed an updated activity date on my credit report thais untrue. the debt is no longer collectable, and was written off by the bank almost a decade ago.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (TX)

my purse was stolen and i made a police report. since then there has been a couple of cell phone accounts made in my name. collection company after collection continue to buy this old debt and try to collect from me.
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (VA)

I have talked with this company XXXX and asked them to contact me in XXXX and i will make arrangements. They are constantly calling my work phone. I dont know, how they got this number, but i 've asked them not to call it. They want me to pay {$480.00} for a carpent replacement, when all the carpet needed was cleaning. The collections agency is constantly flagging my credit report every month.
Consumer complaint received 2019-02-26
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: General Motors Financial Company, Inc. (TX)

I recently sent this company a request to validate the debt on XX/XX/2019. I recieved a letter dated XX/XX/2019 notifying it was recieved and asking me for more information. I then recieved a 2nd letter dated XX/XX/2019 stating that the accout was accurate and disputed. 
I have yet to receive all of the requested information from this company to " accurately '' report to the credit bureaus. 
It has been over 30 days and I have yet to receive ANY information to VALIDATE this debt.
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Forthright Funding Corporation (TX)

I am in the process of refinancing a current XXXX XXXX home mortgage with a company called Forthright Funding ( mortgage broker ). They are located in XXXX. I live in XXXX XXXX. I am refinancing to eliminate the PMI. Forthright had the most favorable terms. I sat with a notary signing the papers and the fees had increased by almost {$1600.00}. I contacted Forthright and the told me {$600.00} was extension fees by XXXX ( lender ) This was never disclosed to me. In addition the employee of Forthright did not disclose a {$900.00} fee for underwriting. The employee admitted he failed to include in my estimate. I spoke the the President of Forthright and over several calls he told me he was sorry but they were not going to do anything. He stated he had discussed with his attorneys and they did nothing wrong. 
I want them to stand by their initial fee proposal. The extensions were not because I failed to comply. They also are telling me that XXXX had notified me if the extension fees. They did not.
Consumer complaint received 2017-03-13
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I entered into an agreement with a virtual account seller and after agreeing upon initial payment and after receiving said payment the seller than says that the price had changed and to get this account I must pay an additional amount of which I did and the seller than states that I sent it to the wrong account after I had followed his directions. He never made mention of this other account until after receiving the second payment.
Consumer complaint received 2016-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paypal Holdings, Inc (SC)

PayPal continuously contacted XXXX XXXX about a debt before XXXX as well as informed her of an amount and what actions they are going to take against me. I am understanding that they continue to communicate with her even after she stated she wishes to no longer be contacted. I have never used her information with PayPal. She is simply a family friend who I sent money to, without issues or incidents, using PayPal services.
Consumer complaint received 2015-10-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Viking Client Services (DC)

My cell phone is registered on the do not call list. I received a call from someone who asked for a relative. I told him he was calling a cell phone and it was not the number of the relative. He told me my number was listed as an alternate contact number, which it is not. He asked if I could get in contact with the relative and I told him I have no communication with the relative and hung up. He did not identify himself or his company name. However, I looked up the phone number on the Internet to find out what the call may have been about.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I am writing to address a matter of significant concern regarding the status of an underlying obligation associated with an account held with your corporation. It has come to my attention that the original instrument of the said underlying obligation has not been provided, rendering it impossible for the obligation to be made payable. Therefore, I am demanding immediate action on your part. As per the terms and conditions governing such matters, it is imperative that the original instrument be provided for an obligation to be considered valid and enforceable. Given the absence of the original instrument in this instance, it follows that any and all obligations pertaining to any and all payments are null and void. Consequently, I hereby request that you promptly take the following actions : Remove any and all obligations of payment associated with the account pertaining to my person. Immediately delete the tradeline associated with the aforementioned account from being reported to any and all consumer reporting agencies. Failure to comply with this demand within a reasonable timeframe will leave me with no choice but to pursue legal avenues to enforce my rights. Moreover, please be advised that TOYOTA FINANCIAL SERVICES ( " TFS '' ) and TOYOTA MOTOR CREDIT CORPORATION ( " TMCC '' ) will be held liable for damages resulting from any further reporting or attempts to collect on this invalidated obligation. I trust that you will give this matter the urgent attention it requires and take the necessary steps to rectify the situation promptly. Should you require any additional information or clarification, please do not hesitate to contact me at the above-mentioned contact details. Thank you for your prompt attention to this matter.
Consumer complaint received 2021-05-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (PA)

In an attempt to collect a debt, the agency poses as lawyers and alleges that a " XXXX XXXX XXXX XXXX '' is pursuing " serious allegations against '' me that are are four federal, criminal charges if I do not resolve the debt. The amount of the debt changes from time to time, and they are all affiliates of the same company. In particular, this agency has already been ordered in Administrative procedings to cease this activity in 2014.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Flagstar Bank, N.A. (OH)

Flagstar Bank suspended my account today and wont give me access to my funds. There is about {$15000.00} in funds that they are keeping from me. I called them today to find out whats going on. They wouldnt tell me anything on the phone. They said someone would call me back. They never did!
Consumer complaint received 2016-09-10
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc ()

Hi im complaining Paypal because they wont let me withdraw or transfer funds to my local bank. They just sent an email saying that they noticed a pattern and that it maybe at risk so it has been permanently limited and the frustrating part is that i 'll have to wait 180 days when it 's available telling me that they just want to make sure that its not involve in any fraudulent activities. I email them saying that all transaction are legitimate but they only responded stating that their decision is final and that i can not withdraw my money. Please help me i needed it for hospital and medical expenses for my family.
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MN)

After ten years having this mortgage on my XXXX condo I have been unable to satisfy OCWEN that I have sufficient insurance through the condo association. No matter what contact person or insurance documents me or the condo association and their insurance agent provide they are never satisfied and have now purchased an additional flood insurance policy on my condo for the sum of {$830.00}. I believe this is ridiculous and an attempt by the mortgage company to create an additional income source.
Consumer complaint received 2022-02-15
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. (CA)

For the last 2 to 3 months I've been shopping for a car. They are running my credit multiple times with the lenders. They are using the same companies usually. They are denying me credit because I have to many credit inquiries. I've disputed the credit report with the agency. They didn't change anything. XXXX XXXX, XXXX They said that everything remains. This was XXXX. I've been denied credit because of this. They will not lump the credit inquiries together from the same company. They have them all listed individually. All 3 credit bureaus have said that this is just how it is. There are now 92 inquiries. XXXX XXXX has been ran twice in 1 day. Three times in 1 day for XXXX XXXX.
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

a mortgage co bought out my mortgage and kept putting partial payments in an account they called " unapplied funds '' even though I told them it was extra principle over and over again. when they finally applied the funds correctly, they cheated by not applying them to the correct month. as a result the discrepancy continues growing each month despite my constant complaints
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (RI)

XX/XX/2024 My virtual debit card number ending in XXXX was charged XXXX $ through XXXX XXXX that i did not authorize. I proceeded to file a dispute and notified the bank and had my dispute opened for two days, they proceeded to close the dispute with no information and will not explain why.
Consumer complaint received 2021-10-04
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)

on XX/XX/2021 XXXX XXXX XXXX put a derogatory account on my credit report for the amount of {$430.00} a DEBIT CARD that I owed money on which was NOT CREDIT RELATED and under the FDCPA that is not supposed to be on my credit report being that it is for a DEBIT CARD and nothing credit related I disputed the account and the credit bureau sent a response saying that the information was accurate which in fact it has nothing to do with credit and was a debit card. I have disputed this information several times and still got the same answer that the account was accurate nothing else stating how they did they investigation to know the account was accurate or even if it was CREDIT RELATED
Consumer complaint received 2017-02-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Midwestern Health Management INC (MO)

I had XXXX assistance for a XXXX with XXXX in XXXX XXXX Mo. When it was all done l received a bill for $ XXXXfrom northwest financial a company owned by XXXX. I went to thete office with my assistance they discounted. I made payment by check {$150.00} they avcepted. A week or so later they sent my check back to me refused payment said l owed more and was attempting collection. It is now on my credit report. I have all documents and the check l tried to pay but was refused. I do n't feel l owe this debt
Consumer complaint received 2016-04-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Management Services, Inc. (TX)

this is what keeps coming up on the cr rpt, their XXXX is this is not them ACCOUNTS MANAGEMENT SVCS {$0.00} {$120.00} XXXX accounts reported on Apr XXXX, XXXX XXXX account reported on Apr XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$120.00} Balance XXXX Original Creditor {$120.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 

Responsibility Consumer disputes this account information Medical Remarks Note See something wrong? 

You could
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (IL)

I have been trying to work with Dovenmuehle Mortgage to complete a loan modification related to COVID-19. I have been actively trying to resolve this issue and bring my loan into good standing since XX/XX/XXXX. 

I have receive completely contradictory information, lack of response and incorrect information from Dovenmuehle Mortgage. 

Without my knowledge or approval Dovenmuehle entered me into a Payment Deferral Agreement that I can't afford nor did I agree to. 

I've submitted a Qualified Written Dispute to Dovenmuehle to the e-mail address one of their employees provided. That request was sent on XX/XX/XXXX, I have not received a response or confirmation of receipt as of XX/XX/XXXX. 

On every call I asked to speak to a manager who can actually provide clear answers and updates and I've been denied each time. I've had one employee hang up on me and others disconnect the line because I've advised I will hold as long as I need to speak to the 'Specialist ' Dovenmuehle indicated is assigned to our loan. 

The standard response from representatives of Dovenmuehle 's Loss Mitigation department is they can't speak to prior conversations or discuss why a co-worker provide information that conflicts with the information they are providing. 

It is extremely frustrating that a company is allowed to operate in this manner.
Consumer complaint received 2023-04-15
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$3100.00}, XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX