davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
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: Ability Recovery Services, LLC (KY)

I have two agencies trying to collect on the same account. Ablty Recvry XX/XX/XXXX XXXX XXXX XX/XX/XXXX both for XXXX XXXX which I only had one account with them, took classes there once four years ago, had a payment plan but had to stop doing classes due to a layoff at work, did inform them what and why. Original collector not on my report but now I have two other agencies trying to collect, disputed but said information is correct and everyone is telling me no that there's only one account even tho two are showing up on my report.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

XX/XX/XXXX, I got laid off from my full time job at XXXX  XXXX  XXXX  with my XXXX child. My spouse was not a legal resident of the United States, therefore he had to stay in his Country while all the legal paperworks were being processed on his behalf. My mother was mighty ill at the time trying to fight the life stealer XXXX and I was her sole caregiver and refuge of strength while fighting this XXXX. I was able to complete my course towards my Bachelors in XX/XX/XXXX. I gave birth to my daughter in XX/XX/XXXX. Now, I have to be caring for my newborn and my mother while doing job interview etc to get back on feet, it was not an easy task but I tried my best. With all financial factors I was facing I reached out to Navient before my grace period end and they did not give me extra time or nothing to alleviate all that was happening to me. When it came to the time for me to repay the loan, my monthly payment was more than {$500.00}, I could not pay that. My mom passed away XX/XX/XXXX and I inform Navient and begged for some leniency and they made it clear that there was nothing that they could do. I was willing to give them copies of my Mom hospital bills and death certificate because I was that desperate and they just didnt care. I didnt have the money to pay so I end up being late on my payment. This is not something that I proud of, this is something that I had zero control of. So now I have one negative mark on 22 loans with Navient, which messed up my credit, because my report states that I have been late on a loan 22 times. If people at Navient had a heart, they could at least ask me to show proof of my situation, which I could. I sent a Good will letter to the CEO XXXX XXXX, informing him of my situation begging him to remove the negative items so I can get back on my feet as a single trying mother. He had a representative call saying, they cant help me. This organization, has zero remorse for people. We are people! Not a target or goal. My loans are now consolidated on always on time never missed a payment, but those negative marks still remains. Earlier this year, we had a Government shut down and I was affected as a XXXX  XXXX, I reached out to the CEO XXXX XXXX again, begging to remove the negative mark so that I could be approved for a loan, so as to help my family through that period and these cold hearted people called to say that they could not help me. Nothing has changed with Navient. XXXX XXXX email : XXXX XXXX
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services (CA)

On or about XX/XX/XXXX, I lease a XXXX XXXX XXXX XXXX XXXX from the XXXX  XXXX Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am attaching a copy of the lease contract. Fast forward to my present situation where I am not able to keep up with the payment due to financial hardship. Mercedes has failed to assist me with the reduction of payment. I do not qualify for Financing of the Vehicle at this time, so the more that I drive the vehicle the more miles that will continue to be put on it, declining the value over time. 

Today, I visited XXXX in the city of XXXX, CA where I was hoping to be able to sell my Vehicle to XXXX. The Vehicle was valued at {$49000.00}, however, I was then told that Mercedes is not allowing any payoff-off 's from any third parties. The fact that automakers are forcing us to keep the vehicle is causing chaos across the auto-finance industry. If the Vehicle is being paid off, it should not be up to a dealer to allow who can pay them off. I need the CFPB to step in and initiate a Federal Investigation into this illegal activity. I am sure that I am not the only person being affected by this. Auto makers and dealers need to put the consumer before profit, and allow consumers experiencing hardships to be able to sell their vehicles to third parties, like XXXX to be able to stay financial afloat, and lastly to not have this impact their credit.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (MN)

I'm getting XXXX out of {$140.00} by discover. 

I called discover customer service in late XX/XX/XXXX to clarify how to process a price protection with my card for a couple of TVs I wanted to purchase. I was told I would only need my receipts, a billing statement, and an advertisement for the lower price. Limit XXXX  per transaction and limit XXXX  per year. So this will work for me because I was going to make two separate transactions and submit two separate claims because one was a gift. 

After filling out the forms, waiting a month and seeing my " approved '' requested amount for {$320.00} x2 with their price protection view portal I received a check for {$320.00} & {$180.00} ... 

I called discovers customer service again who transferred me to a completely separate company who handles their benefits who now told me that there is also a limit of {$500.00} per day. 

I then ask where I can view the full terms of service as it wasnt on their website when you login, the only thing there is FAQ and another spot detailing the service but nothing about a XXXX per day limit. 

I asked the company if I could return the TV using the return protection that discover offers and they told me that I can't because I had already used price protection on the TV. 

I asked to speak to her supervisor because she keeps mentioning him, and asking him questions about my claim. She puts me on hold for a minute and comes back on and says I can do the return gaurentee but it has to be mailed back to them new in box. Then asked if there is anything else she can do like I didn't ask to speak to her supervisor. 

I never got my other XXXX  dollars
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southern Management Systems Inc. (TX)

I was a XXXX  at XXXX XXXX XXXX  XXXX XXXX XXXX in XXXX and successfully completed a leasing agreement with XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX . Years later when I checked my credit report, I found they had reported a Predatory Collection ruining my credit score by claiming I owed them {$2800.00} and sold the claim to a collection agency. I had 3 roommates during this time and there is no way after completely paying for my 12 month stay, that I can be charged another {$2800.00}. XXXX XXXX XXXX  today states they have no record of this claim but fail to correct the falsified report against my credit. This is a scam that needs to be investigated to see if this is tied into the XXXX XXXX XXXX system and if other students have experienced the same predatory practices. How much is XXXX XXXX XXXX  getting paid to sell inflated student debt to third party collectors who put pressure on students with locking up credit reports.
Consumer complaint received 2018-02-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Deutsche Bank (CA)

Account : XXXX Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tenant SS Wife : XXXX SS Husband : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, MS XXXX Ref : Probate Code - Section 5604 ( c ) ( 2 ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX California Unclaimed Property Division XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX ( I requested name changed back to maiden name at divorce - XXXX ) TO WHOM IT MAY CONCERN : Five years ago, California Division of Unclaimed Property via XXXX XXXX XXXX ( heir finders ) notified me of unclaimed property of my now deceased ex-husband and myself from the mid XXXX due in inactive status. I was requested to submitted death certificate from courthouse along with divorce papers along with XXXX XXXX signatures on each copy of correspondence which I did immediately. 

It appears that although we divorced and divided several funds in XXXX, my husband left them in both our names when he died over ten years later. 

Despite other mutual funds/insurance company sent me the funds which were minimal amounts ( under 6,000.00 ), Deutsche Bank refuses to take my husband 's name off the account and allow me to access the funds ( XXXX as of last week ). 

I presented necessary documents ( court-stamped death certificate, divorce papers with request for maiden name ( XXXX ) of wife and division of property ). 

Due to this account, I am audited yearly, have paid small taxes on the small dividends for 25 years up including XXXX which showed gains. 

Can you please help me? I need this money as I am behind on my mortgage XXXX, and this would be the answer to my dilemma. 

Up until last week, Deutsche Bank reinstated their stand that they recognize the judge 's orders that this fund is my husband 's property. 

I contacted executor last XX/XX/XXXX to remove my name while attempting to file for SSDI, which he failed to do. I called him ( deceased ex-husband 's son, XXXX XXXX ) two days ago on two occasions, and he has failed to return my calls. 

At this moment, I have spoke with bankruptcy attorny and since my debt is so low, he suggested I do whatever is necessary to capture this small amount so I will not lose my home of 20 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2018-03-06
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. (IL)

There is a fraudulent account in collections being reported with XXXX XXXX XXXX. I've attempted to dispute this numerous times with the 3 credit reporting bureaus and have had no luck getting the information updated or removed.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2019 Chase closed my above account. According to the letter I received it was due to the reason that I used merchant credit to satisfy the balance on this account. But as the fact of fact, this incident happened with my XXXX return and refunds. I have been a long time Chase customer and have several Chase credit cards, I used random cards at XXXX, but when returning some of the purchases, XXXX usually just scan the membership card without even asking for receipts, after that they just need a credit card to process the refunds without matching if they are the same. Since I used Chase reserve card the most, I most likely gave that card for refunds. Unfortunately I also have auto pay on my Chase credits, so I didn't even bother checking the monthly bill, as it takes care itself. As a result, this triggered the closure. Chase said that I was sent a letter reminding me the situation prior to the closure letter, but I never received the letter, the only letter I received was the letter to close my account. 

I don't think that I did anything wrong regarding this, if this is the bank policy, it was not my intention to do so. This is apparently a mistake I even think about committing and it's also didn't do me any benefit at all. 

I have called Chase several times asking to reconsider their decision and reopen the card, but was not helpful. 

I am actually a Chase private client and have significant interests on this bank. I am really feeling sad, as how unreasonable and bad they treat their long time customers.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (KY)

Recently, I paid off my credit card balance with CitiCards. Today, I logged into their mobile application and could not see the statement generated for XXXX. CitiCards did not produce a statement for the period even though there was a starting balance and 3 payments made, totaling {$5500.00}. I used their online chat to report the issue and the representative ( XXXX ) advised to check their full website. I did this and the statement was not present. Then, he claimed that they do not generate statements when the ending balance is XXXX. He offered to physically mail one to me. 

I asked for escalation and he told me to call the call center. I did as instructed and was advised by XXXX that she reviewed with her leaders and they agreed that they do not need to provide statements when the ending balance is XXXX. 

I see this as a clear violation of Regulation Z Section 226.7. Please investigate and advise.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX SS # ( XXXX ) Capital One Checking # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX La XXXX I qualified of a PPP loan and was granted funds on XXXX XXXX and had funds disbursed to my Capital One checking that was noted above, yet the numerous request for supporting documentation was fulfilled and complied with the funds are still being restricted and considered fraudulent funds and I feel like I am being targeted for this loan because I am a XXXX female, because at this point see no other reason these funds are being restricted for me to conduct and run my XXXX  XXXX XXXX XXXX.
Consumer complaint received 2019-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is incorrectly reporting me 120 days late on the XXXX partial account number XXXX. This account shows a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2021-01-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

A new servicer, Freedom Mortgage purchased our mortgage and did not properly escrow our insurance policies which are a fire policy and a wrap-around policy. Both policies have always been paid through an escrow account. Because of this mistake our fire insurance has been canceled. We're trying to get this fixed while we can still reinstate the fire policy. So far Freedom Mortgage has met none of their deadlines, have not added the insurance back to escrow, and have no paid the policy. We're at risk of a serious increase in the cost of fire insurance if this is not redeemed on time. We're also at risk because we do not currently have insurance in case of a fire.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've sent multiple dispute letters to Transunion, XXXX, and XXXX and they have failed to reply within the established timeframe that is allowed. 
I have sent them complaint letters and investigation letters several times and can provide documentation of each letter ( I have made copies of the letters and can provide them if needed ).
Consumer complaint received 2019-03-15
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. (CT)

This is happening again to me. There has never been any late payments to cause a credit score drop. My student loan is working to find me a lower payment not because of ever being late for a payment.There is drop of 37 points on my Equifax report and this is a crime.My student loan is in forbearance legitimately. My complaint is that this keeps happening and it is against the LAW to lower ones credit score due to a student loan adjustment, I am having my Federal Loan changed to show a lower payment monthly, Never have I been late. I'd like the Federal Government to look into Equifax 's practice that are clearly illegal. I demand that steps be taken to stop this type of illegal practice. All my payments to everyone have been on time and they need to readjust my score to reflect the truth.
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

This company was assigned a debt by XXXX XXXX XXXX.  In XX/XX/XXXX I received an invoice from XXXX XXXX XXXX. I called them and explained that I did not ask for or agree to storage services. At that time, I was told they just automatically do it, and that since I didn't ask for this service it would be taken care of. I did not hear from them again until XX/XX/XXXX, I received a bill for nearly 4 years of storage that I never agreed to in the first place, and thought I cleared up in XX/XX/XXXX. At that time, the person I spoke with said that she could see my conversation and it would be written off. After this time, I saw a collection agency, XXXX, on my credit report and called them to state that this was not a valid account. They were typically rude and said I needed to pay some $600+ to clear it and refer me back to XXXX. I refused, and stated again that I did not have any account with XXXX.  Again, I didn't hear from these people (XXXX) until XX/XX/XXXX, when I received another statement in the mail. I called furious and they told me I had to pay them over $1200 or they would ruin my credit. Then they told me that they sent me a form in XX/XX/XXXX that I was supposed to sign. I never received any such form and I told them this. I called XXXX and they refer me back to XXXX.  She said she was sending again but that I had to pay or she would ruin my credit and then sent an additional collection to XXXX. Once again I never received any form. I phoned again today, and she agreed to send me this form via email. Now I've received a form for the first time in 10 years and signed a form cancelling a service that I never agreed to in the first place. I've asked both XXXX and XXXX to remove this from my credit for 10 years now. She once again demanded that I pay the money and said she was adding more to this supposed debt, and then said that was between me and XXXX, who repeatedly sends me back to XXXX. That is extortion and threats to my financial well being. This was repeated today. I will not pay this company a dime. These tactics are shameful.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (DC)

After being unable to add my banking information, I reached out and was told that there was a block on my account. He told me that he removed it and that I would be able to add my banking information. I still was unable to add my banking information so I had to reach out again wasting more time. I finally got through to XXXX who has no idea why I'm having to go through this entire process a second time. There's no accountability at PayPal. I was told that I needed to be transferred to TWO more departments to close my account. I am tired of having my time wasted.
Consumer complaint received 2021-05-06
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 a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.