davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (TX)

I am having work done on my house and checked my Discover Card account to see if the flooring company had charged me for anything after ordering my materials. I saw a couple of things on my account that did n't look right. When I looked further there were XXXX companies and a number of transactions that I had not been involved with. I called Discover Card and they put me through to their fraud department. The companies were XXXX, XXXX XXXX, XXXX 's XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX. Discover cancelled that card.
Consumer complaint received 2016-04-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P. (NY)

Robo calls to my home phone XXXX XXXX XXXX looking for XXXX XXXX .... I have no contact with XXXX XXXX and want nothing to do with these calls. I followed prompts to enter my number to verify that I was not the person they 're looking for and the calls continue each and every single day from Credit Protection Association - most recent # call came from is XXXX. I am on the Do Not Call registry, owe no debts and want the calls to STOP please. Thank you.
Consumer complaint received 2017-11-07
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. (TX)

I XXXX XXXX sent Equifax a request of a dispute on an item over my credit report That dose not belong to me. and Equifax kept sending leters stating XXXX XXXX inquiry is a factual record of who accessed your credit file ) I called Equifax. and after I was on hold for XXXX hours finaly someone answers and says to me the same thing. 
XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) Ref # XXXX was a factual record of who accessed my credit file. 

EQUIFAX does not want to investigate and show me proof that its mine. I have never applied for a mortgage loan or a loan or done business with XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) Ref # XXXX. im asking you CFPB to help me fix my problem. as im not going to stop fighting this problem I have until its fixed. 

My name is XXXX XXXX XXXX contact phone number is XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Oklahoma Student Loan Authority (GA)

My loan repayment has a due date of the XXXX but there is a 10 day grace period for late payments. I make my payments on or around the XXXX no later than the XXXX of the month. I continuously get back to back calls from their customer service center. The calls start at XXXX and end at XXXX : XXXX EST. On XXXX I was called at XXXX : XXXX and my payment has been paid for the month with the payment for next month XXXX XXXX XXXX scheduled in the system. I am tired of being harassed for the payment when I 'm on a payment plan. I 'm doing the best I can. 
Thanks
Consumer complaint received 2022-02-17
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for this is fraudulent. Fraudulent Account : XXXX XXXXG XXXX XX/XX/2018 {$700.00}.
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TN)

In XXXX my mortgage was transferred to PNC Bank. We were completely in the dark during the transfer and then notified we were late on our first payment with them. Prior to this, we had never been late on a payment before and with several other banks that have owned our mortgage loan. I have since been on the phone with a representative of this institution every single month due to an incredible level of negligence and incompetence. We set up auto pay the second month, XXXX, but we 've been notified of late payments every month because they fail to draft a payment. I call again, I express my problem and my frustration, they apologize, they correct their mistake, and then we do it all again the next month. We 've tried setting up a Bi-Weekly Draft Program twice now and both times they have failed. I just received a letter in the mail today, XXXX XXXX, informing me that " I '' did n't meet the payment deadline and therefore they ca n't set up bi-weekly payments. Their administrative oversights are consistently constant. I have not seen a single bit of evidence that their staff has successfully completed any task in regard to the management of my mortgage. Beyond this, their customer support is the most toxic I have ever encountered in any form of business I have ever encountered in my life. To properly gauge this comment, PNC Bank customer support is worse than a cable provider. They are openly rude, condescending, and overall hostile to me every time I 'm on the phone with them.
Consumer complaint received 2017-11-07
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP (NY)

the car that was bought in american honda was NOT me.i never bought that XXXX XXXX XXXX nor did i ever apply for credit! PLEASE understand that i never gave anyone permission to buy any purchased or use my name for any reason at all! the service i reserved on behalf of american honda was truly disrespectful from the management team from from store XXXX XXXX XXXX n.j ... ive been seek for help and i feel like im in not getting no result! ive tired just about everthing please help me get some answer
Consumer complaint received 2024-03-11
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received an American Express e-gift card as a present. I used some of the funds. There are funds remaining on the card and no store will take it. Not one merchant will take it. I spoke with Amex they said its nothing on their end and nothing they can do. These funds are useless. American Express should not be able to sell these gift cards as they are useless.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # 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 credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (GA)

What happened? 

I HAD A CREDIT CARD ACCOUNT WITH CITIBANK ( ACCT # XXXX ) THAT WAS CHARGED OFF IN XXXX OF XXXX. IT WAS PURCHASED BY XXXX XXXX XXXX ( FILE # XXXX ), AND WE REACHED A SETTLEMENT AGREEMENT OF XXXX. XXXX TOOK THE FUNDS FROM MY CHECKING ACCOUNT, ( 6 DRAWS OF XXXX AND 4 DRAWS OF XXXX ), BUT DID NOT SEND A SETTLEMENT STATEMENT. THREE YEARS LATER I RECEIVED A LETTER FROM XXXX AND XXXX, ( FILE # XXXX ) WANTING A SETTLEMENT FOR THE SAME ACCOUNT. I REQUESTED THE SETTLEMENT AGREEMENT PAPERS FROM XXXX BUT WAS TOLD XXXX NO LONGER HAS CITIBANK AS A CLIENT AND THEY DO N'T HAVE THE DOCUMENTS. I CONTACTED CITIBANK AND WAS TOLD THAT XXXX RECEIVED THE ACCOUNT ON XXXX XXXX, XXXX. THEY WANT TO SUE FOR THE SAME AMOUNT AS XXXX. ( XXXX ) THEY REFUSE TO ACKNOWLEDGE ANY PAYMENTS AND CITIBANK WO N'T SAY WHERE MY PAYMENTS TO THEM WERE APPLIED AS I WAS PAYING THEM 6 MONTHS AFTER THE CHARGE OFF. I WAS THEN TOLD OF THE LAW SUIT FILED AGAINST CITIBANK FOR THE SAME THING AND DURING THE SAME TIME FRAME. THE ACCOUNT WAS SOLD TWICE. FIRST TO XXXX AND THEN TO XXXX ( XXXX XXXX AND XXXX ). WHAT HAPPENED TO MY SETTLEMENT WITH XXXX AND ASSOCIATES AND ACCORDING TO THE LAWSUIT, CITIBANK CAN NOT SELL THE SAME DEBT TWICE. EVEN THE COURT DOCUMENTS LIST MY XXXX PAYMENT.
Consumer complaint received 2017-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zakheim Law Group, P.A. (GA)

What happened? 

I HAD A CREDIT CARD ACCOUNT WITH XXXX XXXX ACCT # XXXX ) THAT WAS CHARGED OFF IN XXXX OF XXXX. IT WAS PURCHASED BY XXXX XXXX XXXX ( FILE # XXXX ), AND WE REACHED A SETTLEMENT AGREEMENT OF XXXX. XXXX TOOK THE FUNDS FROM MY CHECKING ACCOUNT, ( 6 DRAWS OF XXXX AND 4 DRAWS OF XXXX ), BUT DID NOT SEND A SETTLEMENT STATEMENT. THREE YEARS LATER I RECEIVED A LETTER FROM ZAKHEIM XXXX XXXX, ( FILE # XXXX ) WANTING A SETTLEMENT FOR THE SAME ACCOUNT. I REQUESTED THE SETTLEMENT AGREEMENT PAPERS FROM XXXX BUT WAS TOLD XXXX NO LONGER HAS XXXX AS A CLIENT AND THEY DO N'T HAVE THE DOCUMENTS. I CONTACTED XXXX AND WAS TOLD THAT XXXX RECEIVED THE ACCOUNT ON XXXX XXXX, XXXX. THEY WANT TO SUE FOR THE SAME AMOUNT AS XXXX. ( XXXX ) THEY REFUSE TO ACKNOWLEDGE ANY PAYMENTS AND XXXX WO N'T SAY WHERE MY PAYMENTS TO THEM WERE APPLIED AS I WAS PAYING THEM 6 MONTHS AFTER THE CHARGE OFF. I WAS THEN TOLD OF THE LAW SUIT FILED AGAINST XXXX FOR THE SAME THING AND DURING THE SAME TIME FRAME. THE ACCOUNT WAS SOLD TWICE. FIRST TO XXXX AND THEN TO XXXX ( AKA ZAKHEIM AND XXXX ). WHAT HAPPENED TO MY SETTLEMENT WITH XXXX AND ASSOCIATES AND ACCORDING TO THE LAWSUIT, XXXX CAN NOT SELL THE SAME DEBT TWICE. EVEN THE COURT DOCUMENTS LIST MY XXXX PAYMENT.
Consumer complaint received 2017-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Called to dispute accounts that were not mine on XX/XX/XXXX 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX.
I received an updated report that they have been verified. I called on XX/XX/XXXX asking for verification and was informed that they had no verification only what CREDITOR SAID. So I have information being reported without verification.
Consumer complaint received 2024-03-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I financed a vehicle through credit acceptance, which was repossessed within three months of purchase date of XX/XX/XXXX. The vehicle broke down in which the maintenance price was thousands of dollars. I requested a solution of hardship to pause the loan until i was able to afford the cost of repair and continue with payments which was rejected. The only offer was to continue to pay monthly expense or forfeit the vehicle. Unfortunately I still ended up losing the vehicle to repossession. The vehicle was auctioned off by Credit acceptance for over XXXX which was more than likely over or not far from the vehicles value. They insist that i pay them afterwards with outstanding balances if i fail to meet a short termed 3 month payoff offer of {$2400.00} which still out of my budget. They sold me the vehicle with a 25.99 % interest rate boosting the total of the vehicle to {$37000.00} for a used XXXX XXXX XXXX with over XXXX miles. There is definitely unfair dealing going on with these numbers.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

To my knowledge, I was never late on my XXXX XXXX credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/2018 which is not true. I have had this credit card since XX/XX/2018 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KY)

Notified Loancare mortgage company of home insurance rate premium decrease and requested Escrow re-analysis on XX/XX/XXXX. Was told that would be processed and I would be notified. I did not  receive communication, therefore, I called and was told on XX/XX/XXXX that the re-analysis resulted in a monthly payment reduction ( they told me the amount change - which was expected by my calculation ). At that time, was told that my auto draft from my bank account on XX/XX/XXXX might not reflect the reduction due to timing, but that the correct payment would be deducted by the next payment. However, on XX/XX/XXXX the previous amount was deducted. I called after XX/XX/XXXX deduction and was told that an escrow re-analysis was performed but someone did not check a " button '' to change the auto draft. The customer service rep stated that they fixed the issue. Then came XX/XX/XXXX, the previous payment amount was once again auto withdrawn from by bank account. I called and spoke to a customer service representative on XX/XX/XXXX who stated that an escrow re-analysis had not been performed ( mind you, I had already received information that it was & the new payment requirement in XX/XX/XXXX ). I  asked to speak to a supervisor. The supervisor told me that the insurance premium might not have been communicated to them. However, it already had been in XX/XX/XXXX and the company told me what the new amount would be. The supervisor said she needed to get in touch with the XXXX XXXX office and would get back with me within 48 hours. It has been 4 days. I have called, today XX/XX/XXXX and had to leave a voicemail with the supervisor. I just need my monthly payment to reflect the decrease in my insurance premium, however, this company is clearly unable to process this appropriately and I am paying extra money each month due to their incompetence.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

This XXXX account does not belong to me. This account belong to my ex partner, this was a business loan that he opened, I was the owner of the company, however, I never personally sign a guarantee for this account. All of the sudden, after he defaulted, this account appeared on my credit report. In the past, Experian removed the account, but it was then reported on the report without prior notice. According to the FCRA, FACTA, they were supposed to send me a 5 day notice reinserting the account, however that was never sent. As I was in the process of purchasing my home, this account appeared again, and I was declined for the home loan. This account has cost me suffer, and a lot of money, knowing that it is not mine. In addition to that, section 623 of the FCRA requires the CRAs and furnisher, to reporting accurate information, this account is definitely not accurate, the dates dont match up, and the balance is also incorrect. I dont know what else to do, please help me remove this account from my report.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, XXXX XXXX emailed me saying there were fraudulent charges on my credit card. I called them that day and had a very confusing hour-long call with a representative from their credit card services department. She accidentally closed my entire credit card account and reopened it the next day, XX/XX/XXXX. I received a letter from XXXX XXXX about my account closing the same day I received a new credit card in the mail and a notice to pay my balance for the month. A week later around XX/XX/XXXX, I checked my credit score with XXXX and XXXX, and my credit card history is completely missing from my credit score. 

I am in the middle of trying to buy a home and getting a mortgage, and the adverse affect this is having on my credit score is delaying and potentially derailing the entire process. I have filed a dispute and a complaint with XXXX XXXX, but they are unresponsive and unable to give me any answer or next steps as to what I should do. I have contacted XXXX, specifically, and they told me that it is XXXX XXXX 's responsibility to report my credit card information.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (IL)

I am reaching out in reference to an earlier complaint that I filed - XXXX. 
Target indicated that they would go back and correct any negative information on the credit report- and that has n't happened as of yet. I called Target and they stated the information was sent the credit bureaus and I should see an update within the next few days. I waited another week and it still has n't happened and it 's now XXXX XXXX. Again, working in the lending industry, this should have been corrected by now if they had processed it.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # 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 credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (FL)

Since XX/XX/XXXX I have requested to the financial institution a letter of pay off. They have said that they have sent the letter since that day. And today I called to reassure of the letter and they do not want to send me the letter by email. They are saying that they have sent the letter by mail. To me it is very important to have this letter in my possession that states that I owe nothing to Westlake Financial and to make sure that the balance is XXXX in my account. So it can be reported to the credit bureau. Today I received a Marshall to reposes the vehicle. Which I understand is incorrect. This case me XXXX because Westlake is not working on the right way. The first thing they had to send that letter it was me. The person that I spoke today of the compliance dealer told me that they had nothing to do with that. When as of right now I do not have any evidence that in reality the dealership repurchased the contract for the vehicle.
Consumer complaint received 2017-11-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: VW Credit, Inc (FL)

I have written to XXXX on a minimum of three occasions requesting proof that I was ever late in my payments and they have not provided me with a pay history from the beginning of the account opening. These late payments being reported are harming my credit profile and score.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

This is not the first time that I've contacted you concerning the following. I am a XXXX year old widowed XXXX senior citizen who is a Victim of Predatory Lending since XX/XX/XXXX. My niece who is My Power of Attorney, Attorney-in-Fact who handles all my affairs is writing this for me and has assisted me since XX/XX/XXXX. 

I've applied for help since XX/XX/XXXX, after being told that if I didn't pay the next full mortgage payment, not to send anything less then what they asked for. It unfortunately turned out to be much more then I could ever afford! I am also responsible to pay the entire Water ( $ XXXX/month ) and Electrical bill ( {$600.00} ) for the 2 family house besides my other bills. 

In XX/XX/XXXX, I went to The Neigborhood Housing Services of XXXX XXXX for help! I was told after their reviewing of my Mortgage Agreement, that I was in fact a " Victim of Predatory Lending ''. They said, there wasn't a single page in my agreement that provided proof of my financial ability to pay this mortgage in the first place. 

I have been to Court several times since then and was told by " TWO '' Court appointed Attorney 's ( I have proof in an email from one ) that it was in fact " Predatory Lending ''. I have submitted since then almost 10 Loan Modifications per year and have been consistantly rejected. 
Just recently, I recieved once again, a Notice of Sale for Judgment of Forclosure dated for XX/XX/XXXX ( this was sent regular mail in late XX/XX/XXXX and there is no date on this paper ). 

In XX/XX/XXXX, my niece spoke to a XXXX XXXX from Bayview Loan Servicing , LLC and was informed by her that I was to wait until my new Social Security & Pension comes in XX/XX/XXXX so that I would have more money to apply for another Loan Modication. So we waited until the following transpired. 

During the Month of XX/XX/XXXX my first floor tenant was approached by someone possibly from Bayview Loan Servicing that my home was in Foreclosure. She then decided that she was going to leave and break her Lease Agreement, because of her feeling threatened. 

While attending the many Court appearances, I was told by the Judge that  as long as my tenants ( 2 apartment lessee 's ) had a two year lease, they were safe! But, when people come to my home and speak to my tenant 's they become scared and either decide to leave or not pay rent. This is not fair and has been going on since XX/XX/XXXX. 

Since that time I have contacted XXXX XXXX who informed me that she is no longer assigned to my case to please contact XXXX, an Assessment Manager @ Bayview. I have left messages consistently since then with no response from her or from Bayview? 

Please note that CFPB has every single detail of my dilemma on file! 

Please help me to keep my home!! Your prompt assistance in this matter will be greatly appreciated, because I don't know what to do next! 
Thank you ... ... ... ... ... ... ..