davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I HAVE DISPUTED MY CREDIT REPORT WITH XXXX FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT -STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS XXXX AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ).
Consumer complaint received 2016-05-21
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Rocket Mortgage, LLC (CO)

Quicken Loans pulled {$310.00} out of our checking account and put it into our escrow account without our consent. When I brought this to their attention on XXXX/XXXX/16 they admitted that it was their mistake and they would make it right, however all I get is the run around that they are looking into this and I was supposed to get this money returned within 72 hours into our checking account and I still do not have the money! I called again on XXXX/XXXX/16 and again was given the runaround that some other team will look into it on Monday XXXX/XXXX/16. I need this money! It took them but a nano second to take the money from my account, now why ca n't this be taken care of as fast? I am sitting with {$2.00} in my checking account and really need this money! This amounts to theft in my eyes and fraud! That they can go into someones checking account and take money out without consent and then give the consumer the runaround to get their money back is just not right! I do n't care how nice they are on the phone! I want my money and I want it back now!
Consumer complaint received 2015-10-25
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

Due to getting out of the military in XXXX I had file Bankruptcy XX/XX/XXXXandXX/XX/XXXX ask Pentagon cu for several loans toHelp me along with my credit but they constantly give meThe runaround saying I am not egible for another loan fromThem until I payoff my discharge loan from 33 years agoI would you to look into this matter for me please.
Consumer complaint received 2016-11-16
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc. (MO)

I received a phone call from a blocked number that left a message for me to call XXXX regarding legal action against me. The company name is ARA? This is after they called my job on several extensions trying to reach me and told people that I was trying to open an account with them. After finally reaching someone, they proceeded to tell me that they in the middle of filing charges against me ( for what ). They stated my name and employer correctly but the rest of my information wrong. The young lady that answered transferred me to a supervisor that threatened that they would continue to contact my employer. Does anyone on this end have any information about this and what can I do?
Consumer complaint received 2017-01-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (TX)

XXXX ( XXXX ), is attempting to collect on a debt that fell off my credit report several years ago. This debt is over 15 years old, and they 've called me five times this morning. I ca n't get them to send me written verification of this debt, and the credit card account number does n't match the credit card number that I had with XXXX XXXX XXXX.
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (KY)

a installer came to my home from XXXX XXXX XXXX to give me there service, he said ; was unable to install because of a oak tree ; it would be in the way of the signal, he left and did NOTHING, no work at all. I sent ALL of there equipment back to them. Iam NOT paying a bill for nothing done!!!!!!! This {$100.00} dollar bill should not have been sent to me, please take it off of my credit report. Thanks, XXXX XXXX.
Consumer complaint received 2021-11-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (CA)

I mailed a notice of rescission and right to cancel transaction to GM Financial and XXXX XXXX XXXX. XXXX XXXX XXXX required a cash down payment as a condition of loan approval in a financed/credit transaction. I revoked power of attorney, rescinded my signature in the transaction and revoked XXXX XXXX XXXX and GM Financial 's security interest in the vehicle.
Consumer complaint received 2016-12-29
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MS)

On XXXX XXXX, 2016, I odered a XXXX product from XXXX online for {$96.00} which I paid in full through my PayPal account. They received my payment instantaneous. The shipping is free and suppose to arrive 2-4 business days. There 's no customer service contact number. All communication is done via email. I later find out that their address that 's displayed on their website isnt all the way correct. On XXXX XXXX, 2016 XXXX tells me a woman called in and requested that my package be returned back to sender. For what? I do n't know! I 'm very upset because this was supposed to have been a XXXX gift for my daughter. When I emailed them on that same day telling th how upset I was about the whole order process and especially not having a customer service contact number for situations as this one. This company has not responded yet. Today is XXXX XXXX, 2016 and I still have n't received my Oder or refund. I 'm a mother of XXXX. My youngest just turned XXXX old on XXXX XXXX. I ca n't afford for this company to rip me out of my money. I work hard for every dollar that I make. This company is wrong for doing this to me and ruining my daughters XXXX! What really bothers me is that this company still has my money and do n't have the decency to respond to my emails. I order through XXXX and EBay all the time and never had a problem. Never again will I Oder from this company. I have nothing good to say about this company. I even dislike the name of this company. The whole ordering process has been nothing but XXXX!!!!
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a disputed with my credit card company who did n't take same size against the consumer company and let them take {$41000.00} from my account. every time, I contact my bank and the company. I did n't get any result. The company make me an offer to give me back only 10 % on the amount they took from me.
Consumer complaint received 2016-06-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (CA)

Upon checking my credit reports this evening, I discovered XXXX fake collections accounts with random amounts assigned to Commonwealth Financial Systems. 

The first is for {$610.00} and the second is for {$53.00} I do not owe any medical bills and am more than ready to sue Commonwealth financial, as this is damaging my perfect credit! 

I recognize their name, as they previously attempted to place fraudulent charges on my wife 's credit report several months back, too. Those were removed of course, because they are FAKE. 

The only time in the last ten years that I have been to the XXXX 2010. Those charges were paid years ago by the XXXX insurance company, as per our attorney, XXXX in XXXX, NV. There are no outstanding medical bills under my name. 

Commonwealth Financial pulls this same scam on thousands of people and I want these fake charges removed immediately, or I am more than happy to rise to the occasion and file a lawsuit for damages!
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

On XXXX XXXX, 2017, Ditech denied the Home Affordable under the HAMP Program claiming that the 31 % is less or equal to 31 % of the gross income. Pursuant to the XXXX servicing Guide published on XXXX XXXX, 2017, servicers are required to include the monthly payments for all Heloc. Thus, the housing debt ratio must included the following : Principal & interest Taxes & Insurance HOA dues The principal & interest, taxes and insurance included for the fist lien : 1. {$660.00} Second lien ( HELOC 2. {$580.00} HOA dues 3. {$210.00} total Housing expense $ {$1400.00} divided by monthly verified income $ XXXX % The record reveals the the debt to income ratio exceeds the 31 %. Ditech failed to abide by the XXXX servicing guide published XXXX XXXX, 2017. The records reveals i am eligible for the XXXX Program.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (NJ)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-06-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WI)

I have been subject to constant, harassing phone calls from Green Tree Mortgage for the last XXXX years. 
I am divorced, but the mortgage on my former home is still in my name, as my ex-wife can not get it in her name. As part of the divorce decree, I pay my ex-wife, who is responsible for paying the mortgage. I pay her, but she is unable to make the payments on time. Green Tree will call me continuously, from XXXX a day to as many as XXXX times a day for XXXX weeks out of every month, and then start again.Green Tree is fully aware of these circumstances, but has continued to harass me. This has been going on for XXXX years, calling my cell phone at various times during the day, leaving threatening messages regarding legal action against me. This has been going on for years. Please make them stop.
Consumer complaint received 2021-11-26
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: EQUIFAX, INC. (FL)

CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AAA Collections (SD)

My Daughter is being Charged for some XXXX? that we did not consent to or order they have been after her for 6 years She is now XXXX I want her to be left alone
Consumer complaint received 2021-06-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: POPULAR BANK (NY)

Reference to Complaint ID XXXX. Please find additional documentation regarding my complaint to XXXX XXXX. 

Receipts for payments for the safe deposit box attached made in XXXX and in XXXX. XXXX XXXX legal department advised that the contents would be secured until the court closed the voluntary administration of the estate. 

It is incomprehensible that the bank disposed of a safe deposit box contents while the court was handling an estate.
Consumer complaint received 2016-08-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: MIDCOUNTRY FINANCIAL CORP (MO)

Heights Financial calls 3-5 x 's a day and leave messages 3x 's a day as well. It is harassment to leave 3 messages a day literally minutes apart. XXXX/XXXX/16 Heights Financial called me at XXXX, XXXX, and XXXX ... each time a message was left. That is 3 messages in 30minutes!! That is excessive!! I have phone records and voicemails to prove this has happened multiple times.
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

PHOENIX FINANCIAL XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights.Please honour all request of documentation.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

A JPMORGAN CHASE XXXX account was opened in my name on XX/XX/2016 account number XXXX routing number XXXX. I didn't approve or authorize the opening of this account and it was left with no negative balance. This account is also reporting with a phone number XXXX that does not belong to me and an address that is not mine.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

CitiMortgage denied request for modification stating : " Threre was an irreconcilable discrepancy within your application request. '' CitiMortgage is not providing additional information and we have only been reviewed for Citi Supplemental Modification Program. The denial letter was dated XXXX/XXXX/2015.
Consumer complaint received 2016-11-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MO)

Hi, I opened a Citibank credit card early this year at the same time as my husband. We XXXX have Citibank XXXX XXXX credit cards and received and offer that if we open a checking account and did certain things ( e.g. pay bills with the checking account ) that we would receive XXXX XXXX XXXX miles. I completed these actions and then they said that the offer was n't found on my account. My husband completed the actions on his account and got the XXXX airline miles. They opened an investigation and after a long time said they would n't give me the miles. Meanwhile they were charging me $ XXXX/month because I did n't have {$50000.00} in the account. They refunded some but not all of the fees but refused to give me the miles so I closed the account.
Consumer complaint received 2016-02-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: OLD NATIONAL BANCORP (IN)

Old National Bank took out an overdraft fee of {$38.00} after I deposited a {$80.00} Money Order which was not suppose to happen. 
Problem Date : XXXX/XXXX/2016 Amount removed : {$38.00} Overdraft Account taken from : Checking Account Account # taken from : XXXX Company who took it : Old National Bank
Consumer complaint received 2022-01-05
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: Experian Information Solutions Inc. (MD)

I was victim of identity theft and there are unauthorized hard inquiries on my XXXX Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was victim of identity theft and there are unauthorized hard inquiry on my Experian Credit Report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-08-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CO)

XXXX 2015..charged {$15.00} late fee..not late XXXX XXXX 2015 made extre {$50.00} payment..all went to interest..even though expressly requested to be applied to principal XXXX XXXX 2015 extra payment applied to interest expressly made separate payment and called ... all went to interest XXXX XXXX 2015 {$20.00} principal only payment was applied to interest XXXX XXXX extra princpal only payment XXXX went to interest in XXXX 2015 i paid XXXX in interest..XX/XX/XXXX 2015 i paid XXXX.why am i paying more interest on lesser balance.. ( XXXX XXXX balance XXXX ... XXXX balance XXXX ) i want a recent copy of payment sent to me in paper copy i want above corrected ( at 19 % interest ) i want an explanation on increased interest payment and when that started and a month by month intrest account stated in my answer to CFPB not just sent in payment history my payments have been made on time since XXXX 2015..i have bank records
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association (GA)

On XX/XX/2016 My home was burglarized. I usually make my mortgage payment with NYCB by phone on this day. However when I came home at lunch time about XXXX my house looked like a tornado had gone through. My tax papers, photos every drawer, box, closet everything was strewn about. It took me 2 days to put it back together. 
Needless to say the last thing on my mind was the mortgage payment. However, I did make the payment the next day and asked that they please take the late charge off because of my circumstances. I wrote a letter and have never heard a response. 
Since this time my house was hit by XXXX and it is not live able. We have had to move out to rental house and it has been difficult to get the money released from our mortgage company after our insurance company sends them the money to repair our home. It has been since XX/XX/2016 repairs have just started. They did n't release the money in a timely manner which has now caused more damage and more delay for us to get back in. They are drawing interest on our money for repairs. We are now having to move from our rental home because it sold and we do n't know how long the repairs will take. All this to say please ask them to take any late charges off because of these catastrophic events that have occurred to us.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have contacted Experian, XXXX  and XXXX  on several occasion throughout the year regarding my credit report not reflecting accurate information. They never did a proper investigation and still information is showing up. I am a victim of identity theft and I have told them that following information being reported is not accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX I have never had any accounts with them and these were opened fraudulently. XXXX XXXX is showing balance of XXXX, XXXX XXXX XXXX and XXXX XXXX has no information. I need Experian XXXX  and XXXX  fix my credit and report accurate information this has caused me loosing my job and not being able to find a new one.
Consumer complaint received 2017-01-05
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: National Credit Adjusters, LLC (FL)

I really do n't know if this is a payday loan or not. But these people contact me at home, my parents home and my place of employment. Awhile back, I went through a payday loan support company to assist me in the validation of this loan. I was told that validation letters were sent out and no one responded. That was exactly XXXX years ago. Since that time, only XXXX number keeps calling. Please help me with this matter.
Consumer complaint received 2016-11-18
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TN)

I received a call from someone claiming they were calling on behalf of NCA for money I stilled owe. When I asked them who it was that I still owed theyou told me XXXX, I told them I had paid them off around a year ago. After I told them that they proceed to tell me that it was actually for XXXX XXXX XXXX, which I had paid off in XXXX of 2016 and I let them know I had already paid that off but they proceed to tell me I still owed money. After I got off the phone with them I contacted my bank and they told me I owed them no money and they had no idea why this person was contacting me.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not fumish a account with out my written instructions
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

Citi Bank cancelled my card for " non use '' after I 've been a member in good standing since 2001. I believe they are unjustly cancelling anyone that has cash back " dividend '' cards. I found nothing in the terms and conditions that state the card needs to be used a certain amount to avoid being cancelled. Now they will only give me a new card by running my credit again and damaging my credit score.
Consumer complaint received 2021-11-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Franklin Collection Service, Inc. (AL)

I am 100 % service connected XXXX veteran and XXXX the department of veteran affairs handles and pays 100 % of all my medical bills, yet this collector continues to place negative things on my credit report three times a week sometimes twice a day on three accounts that was approved by the VA, this is willful and deliberately destroying my credit Please cease and assist your destructive practice when you were shown proff the va authorized these medical bills that you listed as a loan stop its not a loan but medical that should not even be reporteted
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One reduced my credit limit on my personal account from XXXX to XXXX for no apparent reason. I have never missed a payment. Always pay the balance in full. I was only notified via an email of this decision.