davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I applied for a covid deferment and was approved for 12 months and was told at that time that there would not be an increase in the principal owed. I resumed payments after 7 months. My latest statement shows a penalty at {$8000.00}. I was not aware of any penalty for accepting help for covid. I was not aware that it was allowed by law. I was assured that there would not be any extra charges before I agreed to the deferment. I asked a supervisor to make sure and was told that I had correct information. My mortgage was {$160000.00} and now is {$160000.00}. 
I can't understand how this company can lie and actually steal money from victims of the pandemic.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

I have been on a COVID forbearance since XX/XX/XXXX due to me no longer working due to COVID. I received a letter from Homestar/The money source advising my escrow was short and demanded {$3000.00} because they paid out for homeowners insurance 3 times. I borrowed the funds and mailed the escrow payment in XXXX. The payment came in 2 checks with escrow deposit written all over it with the escrow coupon. Homestar/the money source held the checks for over 1 week before actually showing on the account. I called daily to find out what was going on because the money had already come out my account but they didn't post it until XX/XX/XXXX and did not it towards escrow as they should have. The posted the month as 2 payments because its behind which doesnt matter if Im requesting funds be placed back in my escrow that was paid out three time by you people. MY MONEY SHOULD BE PUT TOWARDS THE ESCROW AS REQUESTED. YOU DO NOT DETERMINED HOW FUNDS ARE APPLIED. MY LOAN IS OWED BY XXXX  XXXX  AND NOTHING TATES I CANT PUT FUNDS TOWARDS ESCROW. THEY DEMANDED THESE FUNDS AND THEN TOOK IT AND APPLIED AS THEY WANTED TO. I AM IN A FORBEARANCE. The representative talk to me like I'm beneath them because im behind on my mortgage which is not due to any fault of my own. They do nothing to help but tell me Im past due. I feel so ashamed!
Consumer complaint received 2021-01-04
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: CBC Companies, Inc. (GA)

I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that's when I learn that my identity was stolen and my name was used to create fraudulent account in my name, I have been disputing these accounts but I haven't gotten any responses, just the confirmation of theses accounts, I have called the creditors and sent letter to each and every one of the creditors, this report is the first step to document this incident and hopefully the start of cleaning my name.
Consumer complaint received 2019-06-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (VA)

I tried making my loan payment today XX/XX/19 to find out they have locked my account. They claim i have not paid for the month of XX/XX/XXXX which my paystub clearly indicates my payment went through on my XX/XX/XXXX. I never recieved any type of warning indicating that they would have locked my account making it impossible for me to make any further payments. I would like for Selene Financing to unlock my account so i can continue making my monthly payments without any late fees. This has been the second time in 6 months that i have had a problem with Selene finance. 

I contacted the company and i explained to them the situation and they could not help unless i send a certified check or a money order to them for the remaining of the year. I have a bank branch that does not exist near my county so going to the bank is not possible. I would like to switch Financing companies if this keeps happening every 6 months.
Consumer complaint received 2018-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Case # XXXX I asked to disable my GDAX ( Coinbase ) access because I was robbed of my phone. I requested via email to reactivate my account on XX/XX/2018. They sent me system generated email without a ETA. 
I called via phone on XX/XX/2018. It took me an hour to reach the customer representative. She sent me an email asking me a few questions and told me a specialist would work on it. Again, an ETA is not given. I responded right after I received the email. 
Until now ( XX/XX/2018 ), I have not heard back from GDAX. And I have {$5000.00} on my account that I'm not able to access or cash out.
Consumer complaint received 2018-02-27
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (PA)

Attempted to make pays, but could not pary the amount they wanted. 500-600 dollars a month, They would not accept the amounts I was able to pay around {$100.00} a month. They would not accept anything less than $ 500- {$600.00}. They threatened to sue for the amount and threatened credit. After it was turned over to collections I was able to work with them and make payments. With an interest rate so high, barley any gets paid on the actual loan itself.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I noticed some unauthorized and unknown inquiries on my credit report. Please remove these unauthorized inquiries because they are negatively affecting my credit report. The unauthorized inquiries are : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

I applied for a BJ credit card in the summer of 2020. Not only was I denied a card but, my reputation was slandered. A negation entry was placed in my credit report, I was falsely accused of ID fraud, possessing high credit balances, not paying on time, and having too many hard inquires. All of these accusations are not true. I have an XXXX and higher on my credit reports with no negative information as documented by XXXX XXXX, XXXX, and XXXX. 

These unjust actions by this company caused me not to be able to get credit and it lowered my credit score.

I am attaching two letters that I had my prepaid legal plan write to the bank for me but to no avail and to responses from the bank.
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

ON XX/XX/2019 an associate from portfolio recovery called me about a debt that is over the statute of limitations in Texas. The associate told me that due to the age of the debt that they could not sue me but they continue to call harassing me after I told them to stop.ON XX/XX/2019 - someone from portfolio recovery called again and repeated the same information as the day before On XX/XX/2019- an associated called again and I ignored the callON XX/XX/2019 an associate called again once again I did not answerON XX/XX/2019 another called that I declinedON XX/XX/2019 another call that I declined Portfolio Recovery has been harassing me for about two consecutive months and I want it to stop.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

I owned this car for 3 months and totaled it in an accident. My insurance company handled the payoff and title was transferred to the insurance company and out of my name XX/XX/XXXX. XXXX signed off on this. ( Doesn't that mean my account was paid in full? ) According to my credit report they claim my account was in good standing in XXXX of XXXX, the car was not even in my name in XXXX of XXXX ... .Fast forward to XXXX of XXXX they have it marked as a charge-off. Chrysler Capital now claims that I owe {$1900.00}. I RECEIVED NO NOTIFICATION OF THIS " DEBT ''. EVER! I found it on my report in XXXX or XXXX and Chrysler is adamant that I owe this money from some vehicle service contract with a Company named XXXX XXXX I declined this when I purchased the car. I even sent them the copy from the dealership that has no signature and lists my email as XXXX ' BECAUSE I DECLINED IT! They will not even discuss this with me now because they charged it off. This is a nightmare for me. Please help!!
Consumer complaint received 2021-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number : XXXX 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

My mortgage was sold to Carrington Mortgage Company from XXXX XXXX  XXXX. If I send a payment in the mail, there is no telling if it will get to Carrington on time. After contacting XXXX at Carrington, he informed me that there is no " fee free '' way to pay other than the mail in method. I told him that I do not believe that is fair that my mortgage was sold to a company that does not allow payments to be processed for free online. I was able to make my payments with XXXX XXXX XXXX online for free.
Consumer complaint received 2017-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

I currently have a mortgage with US Bank. The original loan amount was for around $ XXXX as of approximately XX/XX/XXXX. I was required to pay PMI, because my loan amount exceeded the 20 % equity to debt ratio. My current loan amount is $ XXXX. In those 3 years the value of the house has increased and my equity to debt ratio has exceeded the 20 % mark, which should mean I no longer should have to pay PMI. XX/XX/XXXX I started conversations with US Bank to refinance in which they did an appraisal. Based on the appraisal my equity to loan ratio was greater then 20 %. I asked about the removing the PMI and was told another business unit would have to work on it. At which point I requested contact information for the other unit and I received a run around. Finally around XXXX I received a number to contact after I complained on their XXXX page. When I called the number I was told to expect paperwork in 10 business days to complete and once I send it back they will review it and if deemed correct then they will turn off the PMI. It 's been about 15 business days and I have n't received any documents. I continue having to pay the PMI in the meantime.
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (WI)

Hi, I have a service by XXXX XXXX XXXX for an amount of {$840.00}. I have given the clinic my insurance card at the time, which was XXXX-student resources XXXX XXXX, XXXX, Texas XXXX. The clinic has never sent the bill to my insurance, instead they have sent it to the wrong insurance XXXX address in XXXX XXXXXXXX XXXX, Georgia, which is a completely different entities. They have made the mistake, and I should not be penalize for this. I have talked to all parties involved, including OAC XXXX XXXX XXXX, XXXX, WI XXXX ( XXXX ) XXXX. I explained the situation to them, still refused to take the charge out of my account and continue to hurt my credit. 

Thanks XXXX
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I opened up a secure card with Capital One in XXXX XXXX 2019., I had one missed payment was by complete accident in XXXX of 2019 due to a month of financial hardship due to overwhelming car repairs, I tried many and multiple ways to come into an agreement to have the missed payment removed since I paid it immediately once I was able to, I offered to do automatic scheduled payments and still was not getting any kind of help.
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete XXXX  XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-04-01
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. (GA)

In XXXX, I sent the bureaus a letter about disputing incorrect information on my credit report. I haven't heard from them in a month so I sent them 2-4 more letters in XXXX and XXXX to have that information verified and proof that those are mine. Up to this date, I haven't gotten a response from them and I know that according to the FCRA this is a violation of my rights and they have to respond within 60 days after they received my letter. I take my credit seriously and will do the necessary legal actions if this is not solved as soon as possible.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (UT)

EOS is reporting an erroneous debt on my credit file. I recently checked my credit file and noticed this debt was reporting on my credit. I immediately called and settled this debt with them. I had no idea that this was on my credit, I never received any calls or notices about this. This violates my 30 day right to disputes under the FCRA. I ask that you delete this account from my credit file. I am also aware while this account is under investigation all collection activity must cease. If you continue to report false information on my credit file, it could constitute fraud under both federal and state laws. Please remove this from my credit file.
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GB Collects, LLC (NJ)

I received a collection notice from GB Collect on behalf of XXXX. I called them and requested proof of the underlying debt as I didn't know what it was for. After several requests, I finally received it. on XX/XX/2020, I sent them proof via email and fax that I had other health insurance in place and was not covered by XXXX at the time ( see attached ). I received NO response to that email and fax. On XX/XX/2020, I once again received a collection notice ( see attached ). On XX/XX/2020, I resent them the proof and demanded that they stop contacting me ( see attached ). 

Despite these requests and proof, I once again have received the same collection notice 2 weeks ago. I want them to stop harassing me and send me a confirmation that i do not owe them anything.

How are they allowed to keep bothering me and just avoiding the fact that i provided proof that i had insurance coverage through my employer? They haven't even responded to the proof. Please make  them stop asap.
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Good day, I am submitting this complaint on behalf of myself, and in connection with ( 3 ) three letters I sent out approximately XX/XX/2020, to XXXX, Equifax Information Services, LLC, and XXXX  XXXX. They were addressing, several errors and certain unverifiable accounts. I discovered on mu credit report. I requested removal of all errors and such accounts, which could not be verified, after ( 30 ) thirty days passed without a response, I sent out a demand letter of removal on XX/XX/2020, where in had not been provided a response of the nature of any investigation or disclosure. FCRA section 609 ( a ) ( 1-5 ). I did receive a response XX/XX/2020. To my understanding when a Credit Bureau doesn't respond to a consumer 's initial response within ( 30 ) days, they are required to remove all errors and unverifiable accounts, which have not been verified within the prescribed time FCRA section 611 ( 5 ) ( A ) ( i ). Neither have they responded to my demand letter, so I am disputing the credit reporting agencies right to report any unverifiable account which hasn't been validated, by the procedures set out in the FCRA 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2017-12-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NAVY FEDERAL CREDIT UNION (CA)

-vehicle was towed -on date vehicle got towed registration expired so i could n't get it out only the lien holder who had title due to rules at tow yard -the lien holder who navy federal credit union -the tow company sold vehicle -navy federal is trying to not accept responsibility by saying i still must pay for the car -in addition they claim they never got a title which is a lie due to the fact the dmv has proof of electronic title -also navy federal stated that they never received mail from tow yard stating car was there which is a lie post office has proof of delivery -then are trying to give me a rake hike due saying the do n't have title -i am stuck with no car and having to pay for car plus cant get another car
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (NH)

XX/XX/2020 received a Debit Visa Card in the name of XXXX XXXX that appears to be Ohio Unemployment Insurance Program. I do not live in Ohio and have not applied for Ohio unemployment. 

XX/XX/2020 Called Cardholder Service at XXXX and could never get through the holding cycle of the phone system. 

I do not want this card never requested this card and do not want it to affect by credit.
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA Compass Credit Card Account
On XX/XX/19 I sent Request to Cease Further Communication.
On XX/XX/19 received back signed delivery receipt.  Signed by XXXX XXXX.
Since that date I have received 3 phone calls to request payment or could be referred to collection agency. 1st call was approx XX/XX/19.  2nd call was on XX/XX/19 @ XXXXXXXX.  3rd call was onXX/XX/19 @ XX/XX/XXXX/XXXX.  I advised each caller about the Cease Request.
The amount owed = $XXXX
I am on a payment plan with XXXX, XXXX XXXX # XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (DC)

I have been a victim of identity theft. Lexis Nexis has illegally obtained my non-public bankruptcy information without the proper authorization. Lexis Nexis has violated my rights and shared and transferred my non-public information without my consent. This is deemed identity theft. I have demanded that these agencies remove these accounts from my credit report. That I did not give permission to be there. According to the FCRA SECTION 611, PARAGRAPH ( 6 ) ( B ) ( iii ) Lexis Nexis or any third party creditor does not meet the requirements to furnish accounts or information on my credit report. Only the Bankruptcy court is allowed to furnish information. It is True to state that The Courts do not verify or validate information directly with Lexis Nexis or any Creditor or Agency.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have called bank for atleast 7 days trying to figure out why I have a charge back on my account I have spent hours on the phone drove to 2 different branches all I get is put on hold transfered or hung up on they keep telling me to call back tomorrow can someone please help me get some answers thank you