davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have a home equity line of credit with USAA in the amount of XXXX. I am current in my payments with the loan, but have been late in the past. Due to previous late payments, USAA froze the account, meaning I am unable to borrow more money. However, they report it as " closed '' to the credit agencies. Having XXXX in revolving debt but not an offsetting amount of credit, creates a credit utilization ratio of XXXX %. This significantly hurts my credit report and makes it impossible to get things like car loans or credit cards. The account is not " closed '' it is frozen.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

INFINITI FIN / XXXX  days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XXXX days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

I called Sapphire Chase Credit Card provided them a Police Report and told them my identity has been taken and that I live in NY state not NJ State where the charges on my credit card were issued everyday. Chase has charged off my credit card which is affecting my credit. The credit card I do have with them is at XXXX because I paid it off because that was the card I had issued and I was responsible for.
Consumer complaint received 2016-01-30
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Mountain Land Collections, Inc. (UT)

First ... .the above question is n't applicable so I did n't know what to put but it made me put something. 

I have been very ill since XXXX 2013! I lost my job. I tried to cover all of my bills and part of the time I was on Medicaid. I talk extensively to XXXX about my situation. I was told they had discounted and/or written off or submitted any bills to Medicaid. I did not know I owed anything until I gota notification from Mountain Land Collections. 
I contacted them ... .I explained the same thing I just told you ... .I told them I could n't work and my husband is on permanent XXXX and I have no possible way to pay. So now they just report it to the credit bureaus every month. Things were so bad I filed bankruptcy but this did n't include Mountain Land Collections. 
I do n't know what to do.
Consumer complaint received 2023-07-31
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)

Due to your constant willingness to resit following FCRA and your choice to keep listening to the so called creditors. I am revoking your authorization to report the following accounts. Delete them immediately. They are closed accounts and the creditors have nothing more to do. I have a right to privacy and this order to stop reporting and delete is within my rights and directly concerns you the Credit Reporting Company.. 

XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX This is to be done by a person immediately. Allowing some automated verified response is foolish and dishonest. An actual human needs to delete these accounts immediately.
Consumer complaint received 2017-10-14
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. (WA)

XXXX currently known as XXXX has reported a hard inquiry by me this is not my inquiry I have had the same account for over 30 years I do not live in XXXX it is not my inquiry needs to be removed
Consumer complaint received 2016-05-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Monterey Financial Services LLC (CA)

They called my phone several times. I dont have an income I dont work, I am on medicine. I lost unemployment, I am about to loose my apt , because lack of income. I am not receiving food stamps. They called me saying that they are investigator and they coming tov My house. They said they reporting me to authorities. I told them to stop calling harassing me. I dont have anything.
Consumer complaint received 2021-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (GA)

I paid this account off and returned the equipment but this account went to collections. I was told that the account would be deleted as soon as my Account was fully updated in XXXX XXXX. I disputed the accounts and the law office Carter Young updated it as unpaid and it made my XXXX  drop XXXX points. This is a nightmare because im in the process of buying a home. I was told by XXXX they would notify Carter Young to delete the account from my report and not to worry but instead they are wrecking my credit more because instead of deleting it they reported it as unpaid for another month which looks like a missed payment. Even if they delete the acct I still have to wait until my credit recover. This has been a nightmare! They actually owe me XXXX cent I dont owe them a thing.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

Data furnisher have corrected issues that the credit agencies been refusing to fix since XXXX i have a reported bankruptcy on my report that is to be deleted ASAP as this has been very damaging to my account I have sent documents numerous occasions to non responses which is a violation the FCRA guidelines this is the final dispute before I consider obtaining legal counsel to handle the matter please ensure that this is deleted and updates are reflected on my report as soon as possible
Consumer complaint received 2016-06-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Delta Management Associates, Inc. (CA)

Delta Management Associates contacted me at my employer informing me I am in debt to them. My employer received wage garnishment letters and threats with a lawsuit if Delta did not receive payment from them. Personal information Delta claimed to be mine was inaccurate.
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

The mortgage company, Ditech is refusing to consider modifying my loan in spite of the fact, as I have informed them of my loss of income and my XXXX. Since 2010 I have been going back and forth with them about this issue. It seems as if their only interest is for me to deed the property back to them, or for me to sell the house. 

I 've made attempts to have the HELP program assist me in this matter, but my mortgage company have no interest in trying to resolve this issue. 
When pressed, they have only given two reasons of their refusal to work with me. 
1. They do n't give modification to people that are working. 
2. Their investors wo n't give them permission to do a modification.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NY)

Comenity banks mobile web site does not provide due dates for the end of the promotional period, when I purchased in store they told me that the promotional period would end 12 months after delivery of the products. Delivery was on XX/XX/XXXX, purchase was on XX/XX/XXXX I paid my bill in full on XX/XX/XXXX with a payment date of XX/XX/XXXX which was the due date posted online when I logged in. The reason I paid in full was because I received an email from them saying that the promotional period was ending soon, it did not provide any dates or detailed information. so when I logged on the web site I just used the payment date which was published of XX/XX/XXXX had I known of course I would have paid sooner They charged me {$1800.00} of accrued interest for this This is extremely unethical and they should be penalized as I am sure they do this to many customers
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX my chase Bank account was debited {$27.00} for a charge that I sent back the merchandise to the merchant on : Your item was delivered to an individual at the address at XXXX pm on XX/XX/2018 in XXXX, GA XXXX. Tracking Number : XXXX. So, I sent back the XXXX to the XXXX XXXX. Now I am charged {$27.00} for the merchandise. My Bank Chase refuses to dispute the case further. So, I have to take the loss of {$27.00}!
Consumer complaint received 2019-02-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I am requesting that complaint XXXX be reopened. 

Firstmark lied in their response. They refunded the payment retroactive to XXXX then removed it in XXXX from my account and have consistently lied about when to expect my refund. I am attaching the emails I received from them as well as a screen shot of my account. 

I spoke with them today and they said I will receive a check sometime in XXXX. They refused to issue it with a tracking number. 

As they lied in their response to the CFPB I am requesting an investigation into fraud.
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

I had bought a used car from a dealer that arranged finance through " Santander Consumer USA ''. I received my first payment invoice in the mail XXXX day prior to the due date. Upon calling their service number to arrange a payment I was informed that there was a fee nearly of XXXX dollars either by phone or internet. The next month 's statement arrived in a timely manner. The third, ( this month XXXX ) arrived on a Thursday with a due date of Monday.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I sent letter to XXXX Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX, 2022 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$860.00}
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I filed a dispute letter with the 3 major credit bureaus about a collection that was never properly validated or verified. The account contained inaccurate information ; I contacted the original creditor XXXX XXXX XXXX and asked for full disclosure on my account and to disclose a itemized list for the charges they allege I owe them. They failed to provide me with proper documentation within the required time frame that the law requires.I then sent a letter to Equifax informing them that the account has not properly been verified and is not accurate and that they failed to respond in required time. The collection was closed a few weeks later and then re appeared two weeks later. This time it was actually reported twice. XXXX XXXX XXXX was reflecting twice on my consumer report. I filled another letter to Equifax notifying them of their mistake and received a letter stating that the account was validated and verfied. I was then sent a letter from Equifax stating they created an error on their end by making the mistake of duplicating that XXXX XXXX XXXX collection account reflecting that I owed double the amount that was already inaccurate and unverified.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This statement serves as a request to remove the listed accounts and inquiries from my credit report because they do not belong to me. Im preparing for a purchase and while reviewing my credit report, I noticed several discrepancies. These items need to be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are also several inquiries on my credit report that need to be removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I've made a complaint with the FTC and attached it to this. I want to resolve this as quick as I can. Thank you.
Consumer complaint received 2016-10-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Grant & Weber (CA)

Item Loss of income XXXX % Penality of XXXX withdrawal {$700.00} XXXX % loss of future investment {$560.00} Labor and costs involved in letters and telephone calls {$100.00} Total requesting {$1300.00}
Consumer complaint received 2016-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (SC)

The collection agency did not provide me with an understandable explanation of the amount they claim is owed. They have placed the account on my credit report as disputed, but it still affected my credit score. No resolution has been met.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/XXXX, I wrote a cashier 's check under my own name for the amount of {$80000.00} from my business account with XXXX XXXX XXXX XXXX XXXX XXXX. I took the check and deposited it into my Capital One account on XX/XX/XXXX. The funds cleared and were available for a few days but Capital One decided to put a hold on my funds and I haven't been able to retrieve them since. They initially informed me that they needed some type of receipt from XXXX to confirm the funds which I provided after visiting a XXXX branch but the funds remained in suspension since then pending an investigation which wasn't fully explained to me. I have been going back and forth with Capital One ever since without success. Recently I called them to find out what happened to my funds and they informed me that they decided to close the account and that the funds had been returned to the original creditor XXXX XXXX XXXX They wouldn't give me any more information about when this decision or even my it was made claiming that they are not obligated to provide me with such information. I spoke with multiple representatives from XXXX  and they informed me that no funds were sent back to them from Capital One and that my account was closed since XXXX. The last representative I spoke with from BOA even denied seeing any details about a check that I wrote which made no sense since I wrote the check myself and deposited it into Capital One who acknowledge the check and the amount and say that the transaction was reversed back to BOA. However, when I speak with other Capital One agents, they are unsure of what happened to the funds and at this point I don't even know what to do anymore. I would have filed this case with the CFPB a while back but I was unaware of this until recently when I it was recommended by a close friend. Please help me in any way in receiving my funds. 

Thank you.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C. (IL)

1. XXXX ( Credit Grantor ) : Failure to update the status of the account following its transfer or sale to the debt collector. 
Persistently reporting a charged-off account without reflecting its transfer or sale. 
2. Blitt and Gaines P.C. ( Debt Collection Agency ) : Neglecting to report the debt on the credit file despite being actively engaged in collection endeavors. 
Unauthorized disclosure and use of personal information, potentially constituting fraudulent practices. 

Considering these violations, there are at least four potential violations in total, two attributed to XXXX and two attributed to Blitt and Gaines P.C .
Consumer complaint received 2015-12-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I am writing to complain against BECU 's punitive and uncompromising charge of {$25.00} against a transfer I tried to make and which BECU rejected for insufficient funds. On XXXX, I tried to make an overseas deposit for {$1000.00} using the XXXX. I requested XXXX to cancel the transaction immediately on XXXX when I realized that I ordered the transaction from the wrong bank account, but it appears that XXXX did not honor my request. I called XXXX and they said they were looking into the issue. Today I called BECU.org and explained my problem and requested a reversal of the charges but they refused. My complaint is that although BECU rejected my transaction, the BECU Credit Union still fines me {$25.00} for the transaction that they dishonored. I would have understood if BECU honored the transaction by giving me an overdraft and then charging me a fee, but they did not. I have had an account with BECU for a while, and I have never had a failed transaction. BECU prides itself as a CREDIT UNION, and it proudly advertises itself as more caring and friendly to its " members '' not " customers '' as the big banks call us. I suppose the word " members '' to BECU means the same as the word " customers '' to the big banks ; it 's just a matter of semantics ; the word " members '' sounds friendly in need and not in deed, because the bottom line is the same : " we, your friendly credit union, will not give you, members, a first time warning, but PUNISH you with an unreasonable fee even if you make a transaction that does not go through, and even if we ( BECU ) do not incur any loss of funds on our side, and that is the rule and that is how we treat our MEMBERS. '' I find this policy punitive and disrespectful and BECUs business practice loathsome and as pleonexic as the big bank 's policies. Please help me recover my money.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (GA)

Company Reporting information I do not know or wish to have reported. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (IL)

LVNV FUNDING LLC Last reported XX/XX/year> {$1800.00} Open balance XXXX XXXXXXXX XXXX XXXX XXXX Original creditor I never had that account, it was opened by someone else The credit bureau deleted this from from my records, but its appeared like collection now. Please take an action. Thank a lot
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I am a Victim of ID Theft. Some one used my credit to opened a credit card under my name with out my knowledge or authorization. This account appears reporting negative in my credit as mine and it is not mine.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

My husband and I filed bankruptcy on XX/XX/XXXX and all of our debts were discharged. Citibank is reporting that my account is late every month to the credit bureaus and is ruining my credit score. They started doing this in XXXX of XXXX and have been reporting it late every month yet my balance is showing that {$0.00} is owed. This debt was discharged along with the others. I called them but they couldn't even find the account and said it was probably sold to a collection agency yet I haven't got a single phone call or letter from any collection agency. I would love to get this removed from my credit report because it is making me pay more in finance charges by lowering my credit scorXXXX. Any help you could give me would be appreciated! Thank you!