davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NJ)

Spring Oaks Capital , LLC ( Debt Collector ) on XX/XX/2021, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). Spring Oaks, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not Spring Oaks Capital , LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.
Consumer complaint received 2016-08-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (NJ)

I lost my job and went into default on my mortgage in XXXX XXXX. I was forced to file bankruptcy in XXXX XXXX to protect myself from Flagstar bank. 

On XXXX XXXX, XXXX, I received a debt collection letter from " XXXX '' related to the Flagstar mortgage demanding {$110000.00} from me. I called their customer service number and big surprise, got Flagstar bank. I spoke to XXXX, ID # XXXX, and told her my debt was supposed to be discharged with the bankruptcy in XXXX XXXX. She placed me on hold for 10 minutes, came back & informed me that " the letter from XXXX was correct and the debt collection would continue. '' She could not tell me why it was correct or why they were continuing with their illegal harassment & illegal debt collection practice.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BMO Bank, N.A. (IL)

BMO Harris issued me a new chip debit card to replace my old chip debit card as part of a rollout. When I called to activate the new card, I was told by the representative I could destroy my old card. After destroying my old card, the representative stated for some reason a pin was not attached to my new card and they would have to mail one out. This was on Friday, XXXX XXXX at XXXX am. I was guarantee by the manager I spoke with that it would be in Friday 's mail and I should receive it in 2-3 business days. I was informed without the pin, my card would not be useable but if I wanted to go to a branch during their business hours I could withdraw money from a teller. On Wednesday, XXXX XXXX, I called BMO Harris again after not having received my new PIN number. I was hung up on by XXXX and then told by XXXX that my old pin should be valid, I just need to go to a branch to check. I informed XXXX of the phone call I had with the manager on Friday and that my work schedule does n't allow me to go to a branch during business hours. I asked if there were any offices open later and was told no. I have been without access to my paycheck and using credit cards because of BMO Harris ' XXXX up and they do not want to address or fix the issue.
Consumer complaint received 2015-05-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

In XX/XX/XXXX my husband & I received a mortgage loan of XXXX dollars to get XX/XX/XXXX square foot home on land my husband inherited from his father. We got behind on the payment a couple of times and received several phone calls from Vanderbilt Mortgage harassing me and my husband at all hours of the day even when we told them to only call on Wednesdays from XXXX. They called my father, mother-in-law, and brother-in-law threatened them that we did n't pay they would take our home. I did n't sign the contract my husband did but I still received multiple notification including from their attorney with my name saying that I was a creditor that signed the contract. We had to change our phone number several times and my mother-in-law had to disconnect her phone number because they would not stop harassing her. THey harassed me into going to labor with my last XXXX. I was hospitalized for a month to keep me from going into labor at XXXX.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

Please refer XXXX on XXXX XX/XX/2022. At the most I got one call that somebody from PNC will call me back. That call never happened. 
XXXX transfers are totally unreliable and out of control. I am feeling so helpless and definitely hopeless. 
My personal finances are adversely impacted due to this. This XXXX started on XXXX XX/XX/2022 ( for {$5000.00} ) but it hasnt reached destination till now. 
I tried to get it cancelled but that's not possible. 
When I am trying to get money into this account- I am facing some unique hurdles that I can only deposit {$3000.00} per day not more than that. 
Any time when I do an XXXX  transfer, I am asked at least 5 secret questions This bank is totally impossible and very difficult to work with. Customer service and Branch manager are both out of the way and of absolutely no use. 
CFPB should not just forward the email but look into this. Even if this bank is 167 years old - the basic and fundamental are totally wrong. CFPB should close the business account capabilities of PNC bank- it's not at the level where it can be used in real world. 
What is the point of having a bank where the branch manager is simply clueless and asking customers to close the account when basic banking stuff is not working.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

I opened a Venmo account on the XXXX of XXXX bc a friend needed to pay me back for something I bought for him that he could not get to in time. I was approved to open the account a d even get one of their debit cards. There is now {$120.00} sitting in my account that is " frozen ''. I can not get anyone to tell me why or how to fix it. I have called every single day and get no where. I think venmo is a scam.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: ENCORE CAPITAL GROUP INC. (MO)

I asked for the full verification of this account and the company removed it and then put it back on a week later without giving me verification I called the company back and they keep giving me the run around. I told the company I was asking under the Fair Debt collection Practices Act and what I was told was they do n't have to give us anything but a bill they sent me from their company but we never dealt with their company which is midland credit company. I am waiting for a manager now. XXXX XXXX who is the manager had no information about the account and gave me more of the run around the company will not comply with the Fair Debt Collection Practices Act. I 'm now talking to XXXX XXXX ( id # ) XXXX and asked for information under Fair Debt Collection Practices Act was told he does not have the contracts to show me and does not have to have the contract. XXXX XXXX ( Id # XXXX ) she told me they can add money to the debt. the debt is XXXX but midland reported XXXX. XXXX XXXX ( id XXXX ) he does n't no you cant report interest. he also said just a bill was complaint with the Fair Debt Collection Practices Act law they sent me a bill and he said that 's all he 's required to.
Consumer complaint received 2018-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I submitted a complete modification package to Wells Fargo with a declaration from the contributor on XX/XX/2018. I had to file a complaint with the CFPB to have my BK authorization to speak directly with Wells Fargo acknowledged, then I had to file another complaint just to find out what was missing from my file. Now I am being asked to resubmit a new application for modification all because of the delays caused by Wells Fargo in ignoring and holding my documents while refusing to speak with me. Now I am being asked for another copy of my tax returns and another copy of my application ( which I provided again even if it was already submitted and a full application from the contributor - when they are just that - " a contributor ''. Please see attached modification application that was already submitted, including tax returns held and delayed by wells fargo since XX/XX/XXXX.
Consumer complaint received 2018-03-21
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has refused to acknowledge any payment I have made since the month of XX/XX/XXXX,  and has continuously placed late payments on my credit profile regardless of the balance of any payment arrangement that has been offered. I have contacted the presidents office on more than one occasion, only to be ignored. My account has not been reviewed, nor reported accurately, and when I call in to speak to someone I am given a new reason why another late payment has been reported. There have been errors in customer account handling ad well as credit reporting on my account, which at this point has caused me to seek legal council. I was called in XX/XX/XXXX and told the account would be looked into, to only receive a generic letter stating there were no errors made which was a lie. 
A payment was made on XX/XX/XXXX in the amount of {$100.00} via a customer service representative. I was provided with the confirmation # XXXX. I continued to check my bank account to ensure the funds were removed, but by XX/XX/XXXX, the funds were still there. I contacted Capital One to see what happened with the payment as I had not received any communication from Capital One or my bank ( XXXX XXXX  ) regarding the payment. After a lengthy call with a Capital One supervisor as well as my bank on a 3-way call we arrived at the conclusion the bank had made an error. I immediately paid the {$100.00} again ( confirmation # XXXX ), yet I still received a non-payment placed on my credit profile for the month of XX/XX/XXXX. I made another payment of {$39.00} on XX/XX/XXXX ( confirmation # XXXX ) yet I recieved a non- payment placed on my credit profile for the month of XX/XX/XXXX as well. I am making every effort to effectively communicate as well as pay yet my efforts have been ignored.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have submitted via certified mail a copy of my police report detailing the crime of identity theft that was committed against me. I also included proof of my identity and a legal statement regarding this matter. Transunion somehow has ignored this documentation as it has been over thirty days since they received it and I have not seen any action taken. My police report was filed in person and my dispute meets FCRA requirements.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

XXXX account number is XXXX. Student loan company is Navient. I have tried on several occasion to see about lowering my account to be able to afford my due to other bill and I am feeling overwhelm, my bill never seem to go down, they continually harass my father and I, my father has XXXX and is unable to assistant. so I discuss that I can pay XXXX dollars a month because I have other student loans as well and Food, clothing and shelter. They said they cant comply with my request. the original loan amount is {$6500.00} and now that are said I owe {$10000.00}. My monthly payment are {$130.00} a month. XXXX went on to ask me how i get money to pay my other bill and I told that was personal. I could like some corporation with them in this matter. I need pay lower so I can survive. My phone number is XXXX. Please help before I am forced to file bankruptcy. Sincerely XXXX
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for an XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( see attached image for confirmation of the application date ). The terms were that I would receive XXXX miles after {$1000.00} spending in three months and {$50.00} statement credit for a XXXX purchase ( also attached offer ). I have confirmed chat with an AMEX rep on XX/XX/XXXX that I met the terms of the condition and would receive the bonus miles in 6-8 weeks ( attached chat log ). 

I never received the miles nor the bonus points. I tried contacting an AMEX supervisor in XX/XX/XXXX who said she would submit a request for me because there was a system issue due to my application being approved in XX/XX/XXXX after going through reconsideration. However, I met the terms of the bonus, applied before the expiration date of the promotion, so I do not think this should be an issue. I tried following up again ( XX/XX/XXXX) and even ( XX/XX/XXXX ) and was told it hasn't been reviewed. 

This is getting ridiculous. I met all the terms so I do not understand what the holdout is for issuing the points and the statement credit. I have proof that a rep stated that I met the terms and conditions.
Consumer complaint received 2016-08-21
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: STATE EMPLOYEES CREDIT UNION (NC)

Automobile that was purchased through the SECU and repossessed 20+ years ago. Credit Union could n't provide me with original copies of information on it and a personal loan in the amount of {$2000.00} for the car and {$480.00} for the personal loan. Total of {$2400.00}. Refusing to allow me to open an account because of this unresolved issue although I meet the eligibility criteria. Thank you
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was notified by TransUnion that a New Mexico State tax lien filed against me ( I am a Texas resident ) and it was included in my credit report. I sent TransUnion documentation about the new federal law which prevents tax liens and civil judgements from being used on credit reports. I obtained a copy of the tax lien and it did not contain my full name, SSN, DOB, or correct address. I attempted to obtain my report fromTransUnion to see if the lien appeared, and was told that since I had an open dispute I could not get the report. This was after I received a letter from TransUnion stating the issue had been resolved. Now I have a letter from TransUnion stating that I can purchase a copy of my report for {$9.00}. Something is not right here.
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (PA)

Hello, I purchased my vehicle in XXXX with XXXX and was approved by American credit acceptance. My first payment was on time and then on I believe. However, starting in the year XXXX I was having financial difficulties because of a job that was slowly being taken away from me. Less hours to leave of absence. I was making par payments, communicating on my circumstances to make sure my vehicle would not be repossessed. But American credit did ILLEGALLY repossess my vehicle. I told them before they took my car that I will be calling back on XXXX XXXX, XXXX, to give an update or payment. I was waiting on my income tax check by mail because the irs sent my refund to my bank account and XXXX XXXX closed my account before my refund arrived, that's another story ( illegal overdraft fees ). Once I received my refund, I had to get my car back because they repossessed it before XXXX XXXX, XXXX, So, I paid the XXXX fees, money I owed, which was not much, and I paid them in XX/XX/XXXX up to XX/XX/XXXX. I believe American Credit Acceptance repossessed my car because of income tax time to get more money. Now present. I moved back home to XXXX, Pa to start over. During that time my family and I was homeless living with a friend to a shelter for 6 months or more this was during the months of XX/XX/XXXX -- XX/XX/XXXX being homeless, we are now in a home, thank XXXX. I was not working during the time. I called to make arrangements, explained my life changing events. I made arrangements to pay in XX/XX/XXXX, but I got my first pay incorrect, so I called back to change the arrangement hard time to do that as well. I had to speak with a supervisor XXXX because the other person XXXX would not help, all was being offered is to repo my car or unfortunately we can't help repeatedly. The arrangement with XXXX was for XXXX XXXX XXXX, XXXX. I called on XX/XX/XXXX to communicate this and It was a brick wall. I was asking for 2 more weeks with a supervisor by the name XXXX as we were talking about my situation, she was so busy talking about how my car was on the repo list in XXXX and unfortunately. Then my phone died. They probably put in notes I hung up, no I did not. Instead of helping me with arrangements to pay my car and to help keep me in my vehicle as stated by American credit by emails. I receive several emails from them asking if my finances have impacted me yes, my whole life was impacted, and no extended help. My car is how I get to work to pay all my bills. I had to get loud because of my frustration of the incompetence of help and lack of empathy. I would appreciate if someone can look into my repossession because I believe in my heart it was not to be repossessed and to please give me more time to pay my debt. I would not be receiving that email if my account wasn't in good standing and my payment history. P.S I also feel a little harassed instead of helped. Customer Service reps I dealt with were very rude and attitude problems, as well.
Consumer complaint received 2022-02-14
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. (GA)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-03-21
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)

Im a victim of identity theft and have had several fraudulent credit card accounts opened in my name with companies : XXXX XXXX-OPENED-XX/XX/XXXX-BALANCE- {$9500.00}, XXXX XXXX-OPENED- XX/XX/XXXX-BALANCE- {$17000.00}, XXXX XXXX XXXX- OPENED- XX/XX/XXXX-BALANCE- {$8000.00}. There are also 2 fraudulent credit inquiries resulting from the crime as states : XXXXXXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the accounts where not authorized to be open by me, and Ive been a victim of identity theft for over a year. The XXXX police department deemed these fraudulent accounts as fraudulent credit card accounts, and it is documented with the XXXX police department that, Im a victim of identity theft. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up these fraudulent accounts in the consumers name used the consumers personal information to have the fraudulent accounts opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with these creditors. Im not going to be liable nor responsible for fraudulent credit card accounts being opened in my name as if, Im the one that applied for these fraudulent accounte. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming these accounts as fraudulent accounts, and these accounts need to be deleted/removed off of my credit files asap. These are not my accounts, and I shouldnt have to deal with an issue as such. I need assistance with having these accounts removed off of my credit files, and out of my name immediately.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MI)

I talked to Chase Bank customer service, and explain to them that I did not apply for a chase credit card. The person I talked to told me on XX/XX/XXXX that he would stop the application and remove the hard inquiry from my XXXX record which he did not. Now on XX/XX/XXXX Chase got a hard inquiry of my XXXX  record after I told them that I did not apply for a chase credit. 

I need help before Chase open this card up in my name I dont mine paying the bills I make but I can not afford to pay for something someone make. 

Thank you. 

PS. Chase need to remove the hard inquiries from my credit reports like they Said would.