davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP (CA)

I had a XXXX XXXX credit card that went to collections and it was purchased by XXXX XXXX XXXX. Since the very first communication with this company they threat me with a lawsuit, they told me I should start making payments on the account to prevent a legal action from them, I decided to make a payments as the representative advised. The representative was truly clear when he said installment payments will prevent a lawsuit, I made monthly payments for four years but this debt buyer made the decision to place my account with a law office ( Mandarich Law Group ) who filled a lawsuit against me, but as I sad the debt buyer promised I wont get suit as long I make monthly payments. I made all monthly payments on time, sometimes I failed but I catch up as soon as I can. I been dealing with a financial hardship for a long time and even with this hardship I made monthly payments to XXXX XXXX XXXX. I attempt deal with the law office of Mandarich Law Group and even asked for a professional help but looks they will not work with a representative of mine ; this leave me alone and in a disadvantage from them. 
My financial hardship began with the separation from my ex-husband and subsequent divorce proceeding and XXXX  XXXX  battle that followed. I spent a fortune for the attorney fees during that legal battle to ensure, I retained XXXX  of my XXXX  and as their father struggled with serious XXXX  issues that jeopardized the XXXX  XXXX. It was the toughest battle of my life. After 18 months of legal proceedings and tens of thousands of dollars later, I regained full XXXX  of my XXXX  and then COVID-19 pandemic happened. All this left me in a very difficult financial position as now the kids are home all day, and attending school all day, and it leaves me unable to maintain a full time employment since I just cant leave the kids alone by themselves and due to the pandemic concern they are still on lockdown in our country. To make everything worst, my kids are part of what is known as COVID-19 XXXX  XXXX XXXX  so is especially important to reduce the risk of getting this infection from their own healthy. This situation has left me with a whole lot of expenses and extremely limited income. 
As I explained, due to a financial hardship I can not afford to pay the balance on the account. XXXX XXXX XXXX has developed a Consumer Bill of Rights, since I am victim of a natural disaster ( COVID-19 pandemic ), I am requesting XXXX XXXX XXXX to apply the article II of the bill mentioned above suspending permanently collection activities and vacate the judgment.
Consumer complaint received 2018-07-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (TN)

Working with American Express to resolve an error in the payment system. Stating that the XX/XX/XXXX or XX/XX/2018 payments were not made. I have documentation showing the payments we're made on time and more than the amount requested. American Express will not speak with me or return my calls.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2018-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

This company always lets our homeowners insurance lapse, we have never been late or faulty with our payments. Our payment includes escrow. This is the second time it has happened. When we call them ( the mortgage co ) they blame the insurance company. When I call the insurance company they blame the mortgage company. Nevertheless here we sit in a house without homeowners insurance.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (VA)

On XX/XX/2021 we signed modification paper work. Then because the over night label was a year old I had to reach back out to my point of contact XXXX which I can still use the label. Then I fed ex on XX/XX/XXXX3 to shell point mortgage, that is why I'm complaining they didn't get the paper work until XX/XX/XXXX or XXXX to process. They back dated a letter asking for first payment on XX/XX/XXXX. And I have been on the phone atleast 20 times asking shell point to start the first modification payment on XX/XX/2021. 
*****Please see attached papers******
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NJ)

I'm in the process of cleaning up my credit and I came across this account. I'm not recalling having this account. As per the fair credit reporting act can I please be sent proper validation, copy of original contracts with signature, breakdown of charges and amounts owed.
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have reported scammer to Bank of America who took money from me XXXX $ his name XXXX XXXX XXXX XXXX visa agent that I paid for visa processing and I reported his bank account to Bank of America they did nothing for me although I gave them all proof... 
The scammer account XXXX XXXX XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I filed a complaint about an extended warranty refund and I don't understand the response from the bank. I am in an active chapter XXXX bankruptcy case. The car dealer sent a check for {$1000.00} to the bank. The bank says they mailed a check for {$750.00} to the chapter XXXX trustee. The trustee access website shows no posting of this amount. Also, where is the remaining {$260.00}? The representative from the bank finally called me back and said he can't discuss any of this with me because of the active chapter XXXX case. I paid all of the money to the bank through the chapter XXXX trustee, the loan is satisfied, I have the title to the car. I don't understand how the bank feels they can keep any of the extended warranty refund. Where is the remaining {$260.00}? The bank representative says I need to talk with the trustee for that information. The trustee has nothing to do with this. The bank owes me {$1000.00} for the refund. Now I feel I am entitled to interest on top of that amount.
Consumer complaint received 2022-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NY)

Hello, As of today ( XX/XX/2022 ) CAVALRY PORFOLIO SERVICc is reported a debt collection in the amount of XXXX on XXXX credit reporting agency that I owe them. 

I have contacted several times through this website and say that I never open any credit card from the originator ( XXXX ), never sing any document, never bought anything using their credit car and never know that a credit card on my name was being used by someone. Yet, they still post a debt that growing ever day and want to collect from me.
Consumer complaint received 2021-07-01
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: Santander Consumer USA Holdings Inc. (TX)

ENOUGH is ENOUGH. This collection is not collectible as it is IMPOSSIBLE for a COLLECTION/CHARGEOFF ACCOUNT TO HAVE AN EXISTING PAST DUE. This action will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My loan was sold to National Mortgage LLC d/b/a Mr. Cooper in XXXX of this year. 
I originally refinance my loan on a 21 year term with a monthly payment of {$1800.00}. Their records show a 30 year loan with a monthly payment of {$1400.00}. I have been trying to get this corrected with no success. A person, XXXX XXXX, was assigned to get it corrected a month or so ago but it still hasn't been done. Also another problem just occurred on XX/XX/XXXX. Somehow an impound account for hazard insurance was set up without my permission. My original loan did not have any impound accounts. They made an unauthorized payment of {$1000.00} to my homeowners company.
Consumer complaint received 2021-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

This collection is not mine due to reason that my identification cards were stolen with my wallet many years ago from the XXXX gym in XXXX, California. I am assuming that someone has used my information for their personal needs. Plus, my name and last name is very common in my XXXX  community that are easy to commit fraud with this kind of name and last name Collection Company- CMRE Financial Services Original Lender- XXXX XXXX XXXX XXXX . 
Collection Amount- {$2400.00}
Consumer complaint received 2019-09-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC (TX)

To Whom It May Concern, I XXXX XXXX is submitting this complaint on my behalf against Title Max Corporation on  this XXXX day of XX/XX/XXXX. As a consumer, I am requesting for Title Max to send and release my original XXXX XXXX XXXX Car Title Acct # XXXX back to me for the second time because the first request was to Title Max website via email at : XXXX on XX/XX/XXXX. I notice that my original Acct # XXXX located at Title Max XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, Texas XXXX ; was changed to Acct # XXXX ; by a Title Max XXXX XXXX XXXX XXXX, XXXX Texas.XXXX ; without my knowledge. Now be mindful, that Title Max Corporation Headquarters and Title Max located in XXXX, Texas were both notified of my U.S.C. Chapter XXXX Bankruptcy by the XXXX, Texas Federal Courts. Please see ( PDF ) to Title Max Corporation and Title Max XXXX, Texas XXXX ; requesting my Car Title back after my Chapter XXXX Bankruptcy was discharged. Title Max is in violation of selling and trading consumer information through Third Party transaction and violating Federal Bankruptcy Order 11 U.S.C 727 ; which was granted to XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX, I was harassed by XXXX XXXX and other Third Party Debt collectors and was forced to file for Federal Chapter XXXX Bankruptcy as a XXXX consumer ; in XX/XX/XXXX due to aggressive collection acts. Title Max has ignore the discharge order as of today ; and are violating Federal laws under section 524 of Title 11 of the United States Codes ; known as A Bankruptcy Discharged Violation. We both know that an injunction states that no one can take any action against a consumer regarding a discharged debt that has been exempt or granted under the United States Chapter XXXX Bankruptcy Order. The reason for this complaint is because Title Max is still trying to repossess my car by having Title Max employee following me ; however I have my car in my possession ; my car is exempt. Title Max and all creditors were notified by Untied States Government Chapter XXXX Bankruptcy of my Chapter XXXX Discharged. ( CFPB ) Effective Date : This regulation is effective XX/XX/XXXX. Compliance Date : Sections 1041.2 through 1041.10, 1041.12, and 1041.13 have  a compliance date of XX/XX/XXXX ; The rule identifies it as an unfair and abusive practice ; and the proposal was published in the Federal Register on XX/XX/XXXX. I want all three company 's investigated of foul trading practices ; Title Max located at XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, Texas XXXX ; Title Max XXXX XXXX XXXX XXXX, XXXX XXXX and Title Max Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA.XXXX.
Consumer complaint received 2020-11-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I received an offer from Quicken Loans advertising to match or beat any mortgage loan offer, or the company would provide a {$250.00} Visa Gift Card. Quicken Loans refused to honor their advertisement. They provided a home loan estimate that was substantially inferior than a loan offer I received from XXXX XXXX, a rival home loan lender. I provided the competing estimate to several loan officers at Quicken loans, and was repeatedly informed that they would not match or beat the offer. At that point I was " passed around '' to several Quicken Loans employees who promised to provide the {$250.00} gift card, but never did. This was essentially a " bait and switch '' scam.
Consumer complaint received 2021-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc. (UT)

My identity was stolen by someone and they open two accounts with Sofi lending company, Social Finance Lending. We have sent documents supporting that fact six or seven times. The police report, the identity theft report any other supporting documents. They keep sending it to another attorney and another attorney. This has been going on since 2015. They quit collection process on one of the loans and acknowledged it was fraud but now they're trying to collect on the other loan. If they acknowledged the first loan was fraudulent they should acknowledge the fraud on the second loan.

We demand that they stop the collection process and quit ignoring federal law immediately. We hand-delivered a 35-page folder of all the documents. They were delivered to XXXX XXXX Senior Site Leader. She is in the XXXX XXXX, Utah office. The documents also mailed priority to their current attorney XXXX XXXX  XXXX.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (IL)

I've been dealing with this issue going on 3 months now. And have not gotten a solution. I'm in the process of purchasing a home and this is hindering me. 
There's an ( Charged off ) account on my credit report from CNAC. CNAC sold this account to XXXX XXXX. I have paid and satisfied the account with XXXX. XXXX wrote me a letter stating that the account is satisfied and requesting it be removed from my report. XXXX also stats that they can't report themselves because CNAC is the original creditor and they are the company reporting to the bureaus. However, CNAC stats that they can't report because they sold the account. Both companies are saying they can't report. How can the issue be resolved. I've disputed this account multiple times. Each time it's come back as transferred by CNAC. The credit bureaus are stating that they can't do anything about it because the only company who can report is CNAC because that's who's on my report. I really need a solution asap. Im in the process of purchasing a home and this is the only issue.
Consumer complaint received 2021-02-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XXXX XXXX at about and around XXXX I met with Mr.XXXX  Sale Manager Of XXXX, California Toyota Dealership who assisted me on purchasing my XXXX XXXX XXXX on XX/XX/XXXX. 

Mr.XXXX  had a conversation with Toyota Financing Services Ms.XXXX with employee ID # XXXX and also another Rep in regards of a possible trade in so I able to have a monthly payment of {$300.00} a month that's more affordable for me instead of present Auto loan payment of {$480.00}. 

I am respectfully not able to pay {$480.00} a month now or later I can only pay {$300.00} - {$320.00} a month payment. 
Toyota rep in which he was a male rep stated on a recorded phone conversation as Toyota Administration records all customers conversation. 
I made call to Toyota Financial with my cell # XXXX my call can be traced by Federal Government and location at XXXX Toyota Dealership for evidence. 

Mr.XXXX explain to both Reps of trade in to make my monthly payments at {$300.00} a month, but Toyota Financial Services wants doesn't want to reduce the Payoff to {$14000.00} as XXXX XXXX states for XXXX as value decreases. 

Toyota Financial Service is asking for a Payoff of {$23000.00} and is go through XXXX was purchase for {$26000.00} on XXXX XXXX with GAP Insurance and Extended Maintenance Repairs Service , but this Gap and Extended Service was terminated by me on XXXX XXXX and Toyota eliminated and the funds of around {$2300.00} that was retrieve was utilize to be implemented on the Toyota Auto loan XXXX XXXX XXXX as stated on billing statement evidence of XXXX XXXX. 
I provide evidence of this payment from Gap Insurance funds to Federal Government CFPB and XXXX Department of Justice on filed complaints # XXXX and provide it evidence to US Senator XXXX XXXX office. 

Toyota Financial Service Male Rep that was talking to me and Mr.XXXX stated that Toyota Financial can make my monthly payments more affordable so I can keep this wonderful beautiful reliable Toyota vehicle as I love it and I love to keep it.

If Toyota Administration reduces my monthly payments to {$300.00} a month I will make timely payments until vehicle is paid in full and respectfully timely payments will support me in getting my credit in prosperity as my credit is not in prosperity and I am working on my credit. 

Toyota Financial Administration rep stated that Toyota has special programs for our Military Veterans for support. I am respectfully a XXXX XXXX XXXX Military Veteran, XXXX XXXX  and Retired. 
I only receive XXXX  XXXX Retirement Pension income and I don't receive Social Security benefits or any other income. 




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Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NM)

Deposited a XXXX XXXX XXXX XXXX for Rental Assistance I applied for under the state of New Mexico XXXX and Chase JpMorgan who I bank with collected funds is not wanting to release funds, restricted all my accounts. Provided bank documentation of what the check is for. Denied all my documents they are needing a verified number to be able to get in contact with the department. Provided multiple phone numbers from the department for them to get in contact with there is a long wait and they state they can not reach anyone. Notified me that I will not be able to access funds. I need my rental assistance funds to pay my rent Im about to get evicted. Not far and not understanding why they are holding funds when its not a fraudulent check
Consumer complaint received 2021-05-03
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: CITIBANK, N.A. (IL)

On XX/XX/2021 I was notified by my credit protection agency that The Home Depot Company issued a HARD INQUIRY on my credit history with XXXX. 
I believe my SS # has been hacked because a few months ago some one filed an unemployment claim in my name with the state of Illinois Unemployment Insurance. 
I contacted The Home Depot Company asking them to provide proof that I was the individual requesting their Credit Card but they weren't able to prove it. 
One of the facts that proves fraudulent intent is that the application to open a Home Depot Credit Card account was denied due to : Unable to verify information. 
Based on the above mentioned facts I reached out to XXXX  requesting the removal of the HARD INQUIRY but they refused!
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 2021-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio recovery and associates is saying I owe them a debt. I have never done business with them so Im requesting a written contract with my signature showing where I signed for this debt. If they can not provide the written contract I want this removed from my credit reports and all communication to to stop immediately!