davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (TX)

Loancare is my fha mortgage bank. I was in a vehicle accident XX/XX/XXXX. Was released XX/XX/XXXX. Had to do months of theraphy. Was able to borrow money to pay back mortgage that was not paid because I was in the hospital. My company allowed me to return to work in XX/XX/XXXX. 
I was behind again {$7900.00}. I borrowed money from my XXXX to pay that. My girlfriend was helping me with keeping up with my bills. We have broken up. XX/XX/XXXX, last month I woke up like another instance I had last year with a thought on my mind and it was my morgage company. 
I had sent them a check to them, two weeks before for XXXX dollars. They sent it back with a note saying it was not enough money. So last week I woke up and remembered. I got on their website to get their number and came across another number for assistance in making payment arrange ments. Talked to someone about payment arrangements. She said she could help. We called on a XXXX way call on XXXX XXXX, and thats when I found out the house had been sold on XX/XX/XXXX. 
I also sent a check that morning for {$3000.00}. Found out this morning they had cashed the check leaving me with an overdrawn bill with my bank. Thankyou.
Consumer complaint received 2021-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Early Warning Services, LLC (FL)

I was browsing on XXXX for a XXXX on XX/XX/XXXX and came across someone called XXXX XXXX who was selling them for {$150.00}. I sent an inquire to them and they sent me a this number XXXX ( XXXX XXXX XXXX to contact on XXXX XXXX. I sent {$150.00} to XXXX XXXX through zelle on the same day and he was using XXXX as his email. On XX/XX/XXXX he sent me a message saying that the store department that they got their XXXX from accidentally 100pcs of XXXX and that I owed them {$12000.00} after selling a majority of those XXXX. My intent was to use this XXXX for my own recreation not to sell and I for sure didnt want to buy them in bulk. On XX/XX/XXXX he texted me on XXXX saying that the XXXX have arrived in the U.S. and for them to get out of hold from XXXX XXXX XXXX XXXX I had to pay an extra {$1000.00}. A few days pass and on XX/XX/XXXX I decided I wanted a refund for my {$150.00} and he tells I have to wait for 14 days. Its been 14 days now on XX/XX/XXXX and now hes telling me I need to wait until XX/XX/XXXX, Ive now lost all trust in this company and I cant get my refund just from calling my bank so this is why Im taking it to these measures.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP (IL)

I have a us bank credit card that I make monthly payments and do n't use a lot.I went to go buy a new phone and my card was declined, I promptly called them and my card is in bankruptcy i have NEVER filled for bankruptcy nor do I EVER plan to. when I contact the card company i spoke with the bankruptcy department and they looked into the case they got in contact with with the lawyer that had the case for bankruptcy that the card was being held under And he told them that the ssn # was wrong and he did n't understand why they were contacting him since I was not his client he said its a case of mistaken identity and sent over all his info on the case he was handling to them. The card company looked it over and agreed i was told it was going to be overturned they just needed a supervisor approval. I said fine it has been XXXX WEEKS and I have called multiple times and I keep getting the run around of his out to lunch, his in a meeting he is busy. My card is still in bankruptcy and I 'm still making payments on something I ca n't use they refuse to help me
Consumer complaint received 2018-12-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rocket Mortgage, LLC (TN)

Consumer Financial Protection Bureau, The following situation occurred when I was trying to refinance my house in XXXX Co., TN. 
Below, In parenthesis is an email sent to me by XXXX XXXX, Quicken Loans Client Relations about a lien issued in Illinois and placed on my property in XXXX, TN. 
( 1 ) The lien should have never been issued and place on my property because Attorney XXXX XXXX never did any work for me. 
( 2 ) I was never notified about this lien in the XXXX Co., Illinois Court nor through the XXXX County, TN Court system in order for me to contest the lien. 
( 3 ) Also, in the document, ( Lien ) issued to XXXX County, Tennessee on XX/XX/XXXX there was never any reference to Statutory Interest being addressed and applied to this lien. 
( 4 ) The payoff of the lien should have been addressed through the XXXX County, Tennessee by Quicken Loans for the amount of {$15000.00}. However, I was told by Quicken Loans the lien had to be paid off prior to me refinancing my property. I was conned into sending Quicken Loans a check for {$21000.00}, which included {$5800.00} for statutory interest and the Lien paid off on XX/XX/XXXX. 
( 5 ) My rights to contest this lien were violated because neither Attorney XXXX nor the XXXX County, TN provided me any notification about a lien on my property. Also, there should never have been any Statutory Interest because the interest was not addressed/approved or listed in the lien. 
Attached is a copy of the lien issued by Illinois to my property in XXXX County, TN! 
The overpayment of {$5800.00} for statutory interest should be returned since the court never addressed Statutory Interest Regards, XXXX XXXX XX/XX/XXXX Hello XXXX, The payoff of your lien with XXXX XXXX XXXX & XXXX XXXX. {$15000.00} was the amount of the judgment issued, however, the amount that was sent included statutory interest which had accrued through XX/XX/XXXX. Interest was accruing on the judgment at a rate of {$3.00} per day, resulting in us needing to pay the additional {$5800.00} to reconcile this lien and remove it from your property. If you would like, I would be more than happy to send you a copy of the payoff statement that we were sent indicating these costs. Please let us know if we can be of further assistance. Have a great day XXXX XXXXQuicken, Loans Client Relations
Consumer complaint received 2015-09-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America has changed their computer system and are creating unnecessary overdrafts in checking accounts by deducting pending charges from the available balance and causing legitimate charges to overdraft. For example, I had a rental car pending charge of {$97.00} on Saturday. I returned the car on Tuesday and because of my 3 day free coupon the charge was reversed. However when I checked m balance on Wednesday, the reversed charge disappeared and the pending charge was still there. The remaining pending charge caused and overdraft because I made XXXX credit card payments on Tuesday. Hence, I now owe BOA {$35.00} overdraft and {$10.00} savings transfer plus {$12.00} overdraft amount. How can this be when the {$97.00} charge should have been removed? On Thursday the pending charge will clear and I will still owe money to BOA. Why did their computer drop the reversal? Why am I charged for something I do not owe? BOA is ripping people off again!
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (NJ)

I have been Dealing with nationstr who has taken over XXXX XXXX regarding my credit report. XXXX shows the acct open past due in XXXX balance of {$85000.00} due. The mortgage was discharged in XX/XX/XXXX. 
Nation star will not update the credit bureaus as they state they did not put it on the reports
Consumer complaint received 2015-05-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Management Company (VA)

Date : XX/XX/XXXXCredit Monitoring Agency : I have noticed that the wrong account of collection was reported to my credit file by Credit Management Company. I want to dispute the wrongfully reported account as it was paid on XX/XX/XXXX. 
When I have received the invoice from Virginia XXXX with wrong amount, I had called their billing dept on XX/XX/XXXX and talked to XXXX XXXX in XXXX office. She asked me to pay the {$300.00} ( the agreed amount ). She told me that she will adjust the account accordingly. I had paid the {$300.00} as per our discussion. ( Pease see the proof of payment and my note on the invoice as summary of our discussion. ) It was paid through card with written memo as full and final payment and Virginia XXXX XXXX processed payment as full and final payment. ( Please ask for card payment signature proof to Virginia XXXX XXXX, you will see my memo ) I have attached the supporting document to support the unlawful. I am asking for full investigation of abuse of system by Credit Management Company to collect money which was paid to original creditor. 
I had paid the full balance of the service received from Virginia XXXX XXXX as per agreed. 
Please see the proof of payment - XXXX bank statement traction of {$300.00} ( Agreed amount ). I have provided the proof of agreement and payment to Credit Management Company ( please see attached latter dated. XX/XX/XXXX to Credit management company ) On the same letter, I had asked to provide me further document to validate excess amount of {$120.00}. 
The Credit management company has never responded to my letter and did not provide any proof to validate the excess amount {$120.00} which they want to collect from me. 
Please feel free to contact me if you need any further information to dispute this account and remove from my credit file. I would appreciate if you remove this dispute account from my credit file. 

Thank you
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2015-05-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I applied for a credit line on XX/XX/XXXX for {$14000.00} and paid my bill on time every month. The amount I paid was {$46000.00} to XXXX until they sold my debt to Springleaf on XX/XX/XXXX and I keep paying {$230.00} each month until today. As yo can see my debt was paid XXXX times more and my balance with Springleaf still {$12000.00}. I try to contact them and ask a debt reduction but they told me any deal on this issue. I found this company on XXXX with a very bad reputation.
Consumer complaint received 2022-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

On XX/XX/2021, somebody in XXXX  XXXX, TX used my name and social security number to open a utility service with XXXX XXXX XXXX. They then closed the account on XX/XX/2021 without paying the bill. XXXX XXXX XXXX sent this to collections. I just found out about it last month as it's on only my XXXX Credit report. 

XXXX XXXX XXXX needs this report to start the dispute to get this off of my credit report. I have also filed a police report. 

XXXX XXXX XXXX 's phone number is : XXXX. The account number is : XXXX. 

XXXX XXXX
Consumer complaint received 2022-01-19
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. (NY)

I consistently have problems with Transunion having incorrect information on my credit report. I contacted them because I was denied a loan due to low XXXX XXXX. My XXXX XXXX I watch closely because of Transunion. I have not been below XXXX in years. When I contacted transunion to find out what negative information on my credit report they used to come up with a XXXX score they would not answer. They also tried to charge me to send me a credit report with the information. On freecreditscore website I am able to retrieve XXXX and XXXX credit report but not Transunion. Due to the closeness in names, dob and address with me and my father this is a consistent problem with only Transunion.
Consumer complaint received 2021-11-04
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: CITIBANK, N.A. (TX)

I did not authorize XXXX XXXX XXXX to access my credit file or solicit any finance offer to me in 2021. XXXX XXXX XXXX has used my credit report and gotten access to my credit file without my permission. My credit was frozen. I did not file any application with XXXX XXXX XXXX. I received a phone call from XXXX XXXX XXXX soliciting asking me if I wanted to get a loan with them for another vehicle and i declined their offer. 

I did not authorize CBNA to access my credit file. I did not authorize XXXX XXXX XXXX to pull my credit file. I have never applied for anything with these companies.
Consumer complaint received 2021-10-08
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: ALLY FINANCIAL INC. (VT)

In XX/XX/XXXX I filed a dispute of information on my Ally Auto account in collections through a credit bureau ( XXXX  I believe ). I filed the dispute with a complaint of the late payments being inaccurate and that the loan was included as one in the class action suit that lead to a settlement for all affected loan consumers. I asked that the amount that Ally is supposed to pay be removed from the balance and for the late payments to be removed. I also asked stated that I didn't receive credit for the car that was repossessed being sold at auction. Instead, there were late payments added to an account that was charged off and has been closed, dormant and in collections for years. I called Ally and they said that they couldn't access the account and that I would receive a letter from the credit bureau explaining the changes ( I haven't ). I reached out to Vermont 's Attorney General 's office and they directed me here. I have since learned that the settlement agrees that any negative remarks are supposed to be removed in XXXX of XXXX and {$1300.00} of any balance will be removed.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MD)

Problem is with Synchrony Bank and XXXX XXXX. From XX/XX/XXXX through XX/XX/XXXX someone fraudulently ordered more than {$2000.00} worth of merchandise on my Card. I reported it immediately. Synchrony investigated and decided that I had ordered the merchandise. I did not order or receive any of the merchandise I disputed. I cancelled my synchrony card and they issued me a new one. 
Then they said someone fraudulently reported my second card missing and amazon apparently issued a new card for me with a third, different acct number for me. Up until yesterday, I never cancelled my second card or reported it missing AND I never received that third card. 
So yesterday XX/XX/18 i received a bill from Synchrony reinstating all {$2600.00} of fraudulent charges. I cancelled all three accounts and explained my problems to several amazon customer service reps and to two fraud and investigative reps at Synchrony. They said they will open the investigation again. I am very frustrated and want all the frsudulent charges removed once and for all and a letter stating they have been removed.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CA)

HI, Discover It Credit card closed my account on XX/XX/XXXX without any convincing reason and today XX/XX/XXXX I checked my XXXX credit report and they hit my score negativly with 77 point AND I found 2 issues that is broke my back, ( FIRST ISSUE ) that they reported my account as its closed account while they are the one who did it plus it is still under investigation upon of my request with them for why they closed it. ( SECOND ISSUE ) that they made HARD INQUIRY ON XX/XX/XXXX and i do not know why?? the account already closed on XX/XX/XXXX and I never call in this date for any request like credit line increase or any kind of reasons to make a hard inquiry on my credit report because I usually avoid making hard inquiry. So i want to Dispute that please, I been working hard on my credit to keep always excellent. Please help me
Consumer complaint received 2015-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (OK)

I keep getting calls on my cell phone from this debt collector. I do not have any debts outstanding now or from the past I have been receiving calls from a XXXX for over 5 months. I have the number blocked and they keep calling my cell phone. I have researched these XXXX and it appears to be a company called First National Collections Bureau. These XXXX are relentless from what I have read on the internet, it appears that the government has done little to nothing to stop these XXXX. I bet if these XXXX started to call the FTC or some other government agency something would be done to shut them down. So for now all I can do is be another complaint about a company that needs to spend some jail time and not a fine or slap on the wrist for harassment. Thanks XXXX from Oklahoma.
Consumer complaint received 2015-12-31
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (WY)

I went to get a lease on a truck. I got one sum from the sale person, and at the point of sale I wanted to keep my car. The lease got to be twice the amount, and a down payment. But I keep the car. Now, the truck has been repossed by the loan company. The amount of the lease is as much as it would take to own the truck, and it remains a lease. I got XXXX regections from the loan company, and tried to take the truck back on XXXX differant accations. The lease came throw, and my credit was gone, the day I went into the dealer. So the loan was out of wack, and I have been kicked out of my bank, and I am unable to pay for my lease, I was kicked out a XXXX point. This seems to be timed as to the same kind of timing, the lease and the bank kicking me out at XXXX point. and My credit was over XXXX and now, and at the time the loan was processed, not good enough to get a loan and the company still gave me the loan at twice the price and a down payment, After regection XXXX times.
Consumer complaint received 2016-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

NAVIENT has change my Federal Student Loan to a Personal Loan and they are trying to send my loan to a collection agency, even though my other loans that Navient has on their books are in Forebearance
Consumer complaint received 2015-05-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (NJ)

I have XXXX from college and borrowed XXXX and XXXX from sallie Mae in XX/XX/XXXX and XX/XX/XXXX. Since the loan now is past the six month mark and payments are through the roof. Over XXXX a month combined. I am unable to pay this amount and my mother the cosigner is unable as well. My father is deceased so that is not an option either. To make a long story ahort I have been dealing with sallie Mae since XX/XX/XXXX. They has me give all my and my co signers financial info for a rate reduction program that they said I was eligible for at XXXX a month and 2 percent interest for two Years and after two years we reevaluate they had me put a months for earance on the loan as well. Now the program has ceased and they claim its due to their mistake in me putting the loan into forbearance. I had to give all financial info for both again. Now it 's being denied due to processing stating that my mom made XXXX in XX/XX/XXXX. She did not tell them this nor did she make that. She made XXXX and would never inflate it like that also they say she has XXXX in a savings account in XX/XX/XXXX as well. She does not if she did she would not need their money. She has an annuity that can not be touched that 's about it. They will not do the rate reduction program now and we 're very abrupt about it and I am unable to pay the over XXXX dollars a month. I am not refusing to pay. I am able and willing to pay through the rate reduction program and if in XXXX years my situation changes we will reevaluate then and go from there. Please if you can help I would appreciate it. They are untruthful for their own convience. And I just need help to pay the loan at the rate in which I can afford. I did not add that the loans at present are 7.5 and 8 percent. I am not sure what your agency does but any input would help. I was told no from sallie Mae yesterday XX/XX/XXXX. Thank you XXXX
Consumer complaint received 2021-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021. I sent a letter regarding in accurate and unknow things on my credit report. It has been over 45 days and I have not received any replies. I believe that my disputes are being ignored. Section 611 ( a ) clearly states, that failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. Like I stated. It has been over 45 days so they should be deleted promptly. I am demanding that these accounts be deleted immediately or I will file for litigation do to the problems that this is causing me. Also my information has been impacted by the XXXX  Data Breach and my have fallen into the wrong hands.