davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (SC)

Drive Time has to be the worst company by far. After being harassed the first time around the company still can not get it together. I had to put money in to my car which my warranty did not cover, I faxed all the information requested months ago for deferments which the people I spoke with several times had stated was approved. But due to a payment becoming a few days late because my account was froze due to fraud they did not process the deferment. Which is causing it to show that I am behind {$700.00} + on my credit report. So when I contacted them again after numerous times of keeping in contact they told me to call back at the beginning of the month to start the deferment process over again. Well I called today and of course they could n't do it for the full amount they stated they would before and I have to fax where I had the repairs done again with the receipts ( which I do not have because I already faxed in to them once ) before they would do anything. I advised her that I do not have those why did her company not keep them on file and she stated they have no place to store them. Company 's usually keep records of these types of things but apparently not drive time. They go out of there way to make it difficult for anyone. Granted I have had this car for almost 3 years and my loan has n't budged due to the interest they charge. The car is falling apart and the company refuses to work with you. They can just have the car back. Its not worth the hassle or the headache or {$470.00} a month. All they do is take advantage of people and ruin there credit even more. I have recorded each call and plan on speaking with my attorney again due to this situation. Others should know how horrible of a company they are.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I recently checked my credit report and realized that these accounts are fraudulent. These accounts negatively affecting my account and hindering me from purchasing a home. I want these accounts removed immediately.
Consumer complaint received 2022-09-04
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: EQUIFAX, INC. (MI)

On XX/XX/XXXX of 2022 I sent a letter to a equifax a verification of debt letter stating that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required to verify any and all accounts with the original signed contract for any account they report on a credit report. On XX/XX/XXXX they sent me a letter saying the debt was verified and reported correctly but they never sent proof of any verifiable documentation which is a violation of federal law and under the FCRA any unverifiable accounts must be deleted. On XX/XX/2022 I sent another letter stating that is was my second written request demanding the accounts be verified or removed because they are not providing any original documentation according to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). According to Section 611 ( 5 ) ( A ) they are required to promptly delete any unverifiable accounts, and They sent me a letter on XX/XX/XXXX, of 2022 with the same letter stating that the item was verified but still didn't have any original documentation from the debt collector stating I owe them. I contacted the debt collector directly and they sent me a letter with no consumer contract with my signature on it. I called equifax today spoke with a supervisor named XXXX and ID number XXXX and I sent out a third letter asking how the letter was verified and I waited for 1 hour and 30 mins on the phone for them to say they would relaunch an investigation because the account states it is verified in their system. I warned them I would file a complaint with the CFPB and I will be pursing litigation to enforce my consumer rights
Consumer complaint received 2021-06-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (UT)

Fay Servicing has ignored our requests for mortgage forbearance extensions past the initial 12 months provided by the Cares Act which ended on XX/XX/2021. President Biden signed an executive order granting 2 additional 3 month extensions if we are experiencing covid-19 hardships. Before our initial 12 months of forbearance were up on XX/XX/2021, we sent emails and a certified letter requesting the forbearance extensions to our loan servicer, Fay Servicing on XX/XX/XXXX, and again on the XXXX, XXXX. We then sent a certified letter requesting the forbearance extensions on XX/XX/2021. These requests were ignored by Fay Servicing. 
We received a letter from XXXX XXXX XXXXXXXX, XXXX on XX/XX/XXXX stating there were hired by Fay Servicing to collect our mortgage debt. They said we had 30 days to dispute the claim. On XX/XX/2021, without giving us time to dispute, Fay Servicing filled out a Substitute of Trustee form giving XXXXXXXX XXXX XXXX  the right to collect on our mortgage. On XX/XX/2021 XXXXXXXX XXXX XXXXXXXX sent a notice of their intent to sell our home because of alleged default. 
This is all illegal according to our right for mortgage forbearance and our right to apply for a Loss Mitigation to help us keep our home. 

Please look into our situation and help us. 

Thanks, XXXX XXXX
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

ONE MAINE XXXX XXXX XXXX XXXX XXXX IN XXXX No phone number available Date inquiry / XX/XX/XXXX Above-mentioned company made inquiry on my XXXX   report # XXXX for XX/XX/XXXX
Consumer complaint received 2020-11-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Title Security Agency LLC (AZ)

I am a XXXX veteran and I used my VA loan to purchase a home at XXXX XXXX XXXX XXXX XXXX, XXXX. I used the services of Title Security Agency at XXXX to complete the transaction. They did not order an HOA inspection at the time I bought the home. I have just sold the same home approximately 1.5 years later due to being moved for my husbands work ( XXXX XXXX military ). We again used Title Security Agency for title and escrow work. This time they did request an HOA inspection ( did not for us when we bought the home ) and there were about XXXX dollars worth of repairs required. The Title Security Agency withheld about XXXX dollars from our closing to cover HOA repairs that they failed to have inspected for us when we purchased the house. I feel this was negligence on their part and that they did not use due diligence. We feel that they should cover the repair expenses because they failed to properly protect us when we used their service for the same home less than two years ago. 

I can be reached at XXXX or XXXX Should I report this somewhere else as well -- I don't want other people using VA loans to be taken advantage of.
Consumer complaint received 2017-02-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I closed a locker at my Bank of America branch ( XXXX XXXX, CA ) in XXXX 2016. They were supposed to refund my deposit of {$25.00} to my checking account. Its been 6 months and I have called them 3 times but nothing seems to happen. 

Can you help me get my $ $ back?
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd ()

Wise financial institution decided to close my bank account with them. I filled out refund form and submitted it with my full refund to bank account information, my home address ( mailing address ) and a phone number. It has been more than XXXX weeks and I havent received any refund or a any sort of communication from them
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MN)

My Narrative begins with the ongoing persistent " Grossly Negligent '' behavior of Ocwen. Beginning with the deceit, Fabrication of evidence, documents, and motions in Dismissed with Prejudice XXXX by XXXX XXXX XXXX, for XXXX XXXX XXXX. My XXXX XXXX eviction case XXXX in front of Judge XXXX and XXXX XXXX ( opposing Counsel XXXX-originally represented by XXXX XXXX and finished by XXXX XXXX XXXX ). Fraud is evidenced by differing evidence, fabricated documents and omission of certain Documents. Documents presented to me as " Written Request for Validation of Debt '' provide yet another set of Documents all claiming to be " True and Exact '' copies of documents recorded in XXXX County. All documents are inconsistent with the actual documents on file in XXXX County ( XXXX ). A XXXX Appraisal dated XXXX XXXX, XXXX ( mortgage closed XXXX XXXX, XXXX and replaced mortgage closed XXXX XXXX, XXXX ). Unsigned and un-initialed disclosure statements. Ocwen continues to violate CFPB v Ocwen case # XXXX filed XXXX/XXXX/XXXX. Ocwen has ignored past settlements with XXXX as Trustee. Settlements they are liable to through past mergers and acquisitions. An Addendum provided me as " Written Request for Validation of Debt '' states at " Lenders Request '' collateral for Loan is XXXX acres and house yet they have taken all XXXX acres through Sheriff 's Sale. Loan was also sold to FHA ( maximum XXXX acres ) and sold back to Bank due to poor underwriting. Recently Ocwen hired XXXX XXXX ( XXXX XXXX XXXX ) to strong arm, harass, and bully me declining my efforts to resolve Mortgage. Most recently Ocwen has hired XXXX XXXX XXXX XXXX to respond to my claims by continuing to squash my supporting documents to my claims and perpetuate the Fraud on XXXX different Courts. I have provided an e-mail from ISD XXXX XXXX schools proving that this Mortgage could have been ( and still can be ) resolved immediately provided ISD XXXX XXXX XXXX is provided Guaranty of " clear title ''. Ocwen could and should provide that Guarantee of " clear title '' return me to my home and compensate me for this ongoing In-Justice RespectfullyXXXX XXXX
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: American Credit Resolution, Incorporated (NY)

I spoke with a woman named " XXXX '' at a company she told me was called XXXX, and that I owed a debt to XXXX for a breach of contract for {$730.00}. She claimed I needed to either make a restitution payment on my alleged debt today, or I would be immediately served with a court notice. She absolutely refused to provide me with any paperwork or proof that I owe the alleged sum. She said that would be provided when I went to court. I asked for some additional time to make the decision so I could consult my attorney. She refused. She said they were n't a collection agency, but a mediation firm and if I did not make the restitution payment, I was automatically selecting to go to court, which could result in paying higher fees. For the entire call, she took an incredibly disrespectful, condescending tone. I asked her for information that she refused to provide. I begged her to transfer me to someone who could be civil and respectful. I asked her REPEATEDLY to transfer me and she said " the outcome will be the same '' - I told her I did n't care, I just wanted someone who could be respectful. I asked her several times to stop being rude, and she denied that she was, and she referred several times to the fact that I was crying. When I asked for the final time to transfer me to another person, she said " hold on, let me tell them I have a crier on the phone. '' I was placed on hold. Her parting words before transferring me were, " good luck in court, XXXX XXXX XXXX. " Come to find out, after the initial restitution payment was made and I received the receipt via e-mail, the company is NOT called " XXXX '' but American Credit Resolution , Inc. So she misrepresented where she was calling from, and probably her name as well. She refused to provide me with a last name. She said she was the only XXXX there.
Consumer complaint received 2020-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Smith & Smith Investors LTD (MN)

I tried disputing this debt with the credit bureau as I had never received any notice of collection on this debt. 
On XX/XX/2020 I called Hawkeye Adjustments and asked that I be sent documentation of my debt. I was told that it was not in their policy to give out confidential information and that there was no documentation of my debt as the previous owner no longer existed. I was told that the only way for me to get a bill or statement of the debt was to send in a self-addressed envelope with postage. 
On XX/XX/2020 I called again but they were closed. 
On XX/XX/2020 I called again. This time they said they would send a copy of the collection statement. 
On XX/XX/2020 I received the bill in the mail.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

American Express XXXX XXXX card. They have decided to hike the fees from {$99.00} to {$250.00} overnight. American Express is also refusing to refund the card fees prorated. Prior they were pro rating card fees once cancelled. Now they are not honoring the fees refund.
Consumer complaint received 2017-03-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Business Bureau (TX)

I do n't know why this company keeps calling me because I do n't owe any one, I pay my bills every month!!! I want the calls to stop and for them to take it off my credit report, I do n't think that they should have it on there
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

Received checks for XXXX new accounts with TD Bank which I did not open. 
Received insufficient fund letters on these XXXX accounts which I have never opened. 
Attempted to contact company to ensure accounts are closed as they were fraudulently opened without my consent. 
Unable to speak with anyone at this company.
Consumer complaint received 2015-05-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (ME)

Debt collector will not send me a signed contract when I ask they go around it also added it back to XXXX after they found not not enough to prove its mine XXXX time filing complaint same answer from company next step to sue under fair credit act failed to supply appropriate documents and harassment and for adding back to XXXX after removed by them XXXX for not having enough proof account is not mine
Consumer complaint received 2019-02-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

In XX/XX/2018 I sent letters to XXXX, XXXX, Experian and XXXX XXXX  asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use XXXX which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.
Consumer complaint received 2022-02-10
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a Capital One Credit card that fell behind. I was able to make payments on time and bring the account back from over limit. It was during 2020 that my account then became restricted. I assumed it had to do with the amount of debt to credit limit ratio, so I began to concentrate on making large payments. After XXXX months the status was still restricted. I spoke with a CSR for Capital One. I was advised to keep paying on time and Capital One will unlock the account. I brought my account from {$3400.00} to {$500.00}. I called again and the rep said that once it is paid off they will close my account. I was upset because if they were going to close it I could have paid it off on a payment plan, instead they have charged me interest. So as long as I have a balance they will keep my account active. If they close it, I will lose a XXXX XXXX XXXX credit card with a {$3000.00} credit limit and it will negatively affect my credit score.
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc. (CA)

These people CALL MY CELL Phone and CALL my HOME number. 
They leave messages on my Cell phone to contact them. Last week on XXXX/XXXX/2015 i returned a call. The agent there said that my number should have been removed. IT WAS NOT i received another call today XXXX/XXXX/2015 at HOME and on my CELL phone again. The issue is that they are trying to reach my SON. WE have the SAME name Except i am XXXX. he is XXXX. the debt is HIS not MINE. 
That is what i told them yet they still call MY NUMBER.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Our mortgage was transferred to a new loan servicer : Specialized Loan Servicing LLC ( SLS ) XXXX. XXXX XXXX XXXX GA XXXX Phone XXXX in XXXX 2016. We received several notices as the loan was transferred. One stating that our payment was past due ( this notice was received prior to receiving any payment information, remittance stubs, address, new loan number, etc.for the new servicer ). Another letter was received stating that we had no insurance ( although we did, through XXXX/XXXX/2016 and future payment amount is held in escrow ). Yet another notice from a debt collector stating that they were collecting on a debt ( there is no debt owed to this company!! ) and another letter stating that we do not have an escrow account - we did have an escrow account and the old servicer sent us a letter indicating that they transferred the balance of {$3700.00} of which SLS claims they have no record. I have spent hours on the phone in circular telephone loops trying to get clarification on the notices. Was told to ignore them by all the representatives. I just received a telephone call relating to the loan requesting payment ( which I have already sent ). However, on a recent call, I was told by a representative that we have 60 days to make the first payment due to the transition of the loan to the new servicer. This company clearly has administrative issues that go well beyond timing of noticing and operational systems. If they are n't already, they should be under review by an agency to insure that they are compliant with mortgage lending and servicing practices.
Consumer complaint received 2020-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bliksum, LLC (NM)

I had a personal loan with Loan Me that was sold to XXXX XXXX XXXX as it had gone to collections. I settled the amount and made a one time payment to have the account closed. Loan Me and XXXX keep sending me back and forth both saying theyre not responsible for the actual credit report reporting and both companies decline to report it to the credit bureaus therefore my credit report is incorrect. Please see attached settlement letter confirming the payment was made and account closed. Please help.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (MI)

Chase Credit Card Services charged all of me purchases at the higher - cash advance interest rate for over 8 years and would not change it to the lower rate. As a result, I ended up paying {$1000.00} more than I should have. After multiple attempts to have this corrected, I had to pay off the card and close it. This also hurt my credit score.
Consumer complaint received 2015-04-05
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I, XXXX XXXX, residing at XXXX XXXX # XXXX, XXXX, New York XXXX hereby states on record with the Consumer Financial Protection Bureau that Capital One is currently reporting a charge off on an account that Capital One accepted a numbers of payments on as a negotiated settlement. However, since this account has been basically been satisfied through a third party, they are still in violation of the Fair Credit Reporting Act by maintaining a charge off balance. The account should show a XXXX balance with a rating as PAID SETTLED as stipulated through the negotiations agreement on all pertinent credit reporting agencies, XXXX, XXXX and XXXX XXXX respectively.