davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Consumer Portfolio Services, Inc. (OH)

I have submitted this complaint earlier this year, but the issue was not solved. I have applied for a car loan and was approved by a lender ; C.P.S ( Consumer Portfolio Services ) .Do to issues associated with the dealer the deal did not go through, now C.P.S is refusing to lend to me when I already have been approved by them twice. Also they have financed people with a similar credit record and score as I do, but they will not approve me, when I have proof of income and capability to pay the loan. Also the dealerships that I applied for are holding back the interest rate that I qualify for, so they can sell the contract at a higher amount to the lender. I believe that I cant get approved because I challenge high interest rate, when I qualify for a lesser rate. These banks and dealers are refusing to lend to me but they are lending to others who have the same criteria on their credit.Dealerships are also involved in hiding information concerning the obligations to the loan, such as True Market Value, present price of the vehicle, and amount approved for. I think there should be an investigation on both dealerships and the following banks. 

*Consumer Portfolio Services- Has approved me and denied me lending without explanation, but they have offered consumers with similar credit data, loan approvals. 

*XXXX has purposely withheld information from me that would allow me to choose a much favorable interest rate. They also have hidden other lender approvals from me, who offered lower interest rates. This was done in order to sell the contract to a lender at a higher price. 

* Dealerships are running my credit and sharing my information without my permission after I signed documents stating that I did n't want my information shared and I did not want my credit ran, because I was already qualified for a loan. 

Dealerships and lenders are lending to people they favor and are not basing qualifications off of credit scores. They are making decisions based off how much information the consumer has. Because I have knowledge of financing and how APR is initiated, I believe that I have been discriminated against in a form of retaliation by way of lending refusal and high interest rates. 

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Consumer complaint received 2022-11-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates claims they have ownership in a debt originally from XXXX XXXX. Portfolio Recovery Associates are also not licensed in the state of Michigan and had not produced the bill of sale from the original creditor to confirm they own this debt.
Consumer complaint received 2020-09-06
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: Bread Financial Holdings, Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AR)

I received an email from Citibank on XX/XX/2024 regarding a credit card that I did not apply for from this institution. The email I received appeared legitimate and had Citibank XXXX as one would anticipate from a bank. No spelling errors or anything to alert me that this was a phishing attempt. On XX/XX/2024, I received an update that the card had been shipped and I attempted to contact Citibank to no avail. They would not allow me to speak to a representative without the full card number or giving my personal information over the phone. Citibank would not listen to my concerns that a fraud had taken place/was in effect. On XX/XX/2024, I received a XXXX  card in the mail, stating all I had to do was call to activate it. I finally was able to contact a person at Citibank because I had the full XXXX  card number, they finally allowed me to speak to a customer service representative. I used a phone number for Citibank on their website. It was difficult to understand the person as they possessed a thick accent, and I am hard of hearing, which concerns me as to whether or not they understood what I am trying to convey. I have contacted my local bank to acquire information to check my XXXX report for suspicious activity which is pending. I want to make sure that I am not responsible for any activity on the account that I did not apply for. I do not appreciate a financial institution pre-approving me for a card and using my information to open a XXXX  card in my name without my consent. On top of that, making it almost impossible to speak to anybody prior to any activity taking place and not communicating with me before the card was in my possession. I could not stop this act prior to receiving the card and having to cancel the " account. ''
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

TODAYS DATE:XXXX CREDENCE RESOURCE MANA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDENCE RESOURCE MANA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (FL)

On XX/XX/2023 I received an email regarding unusual activity on my card in the amount of {$1000.00} ( XXXX in XXXX, Connecticut ). I received another email XX/XX/2023 that my credit card was turned off. I then reviewed my account and saw 8 pending transactions to XXXX XXXX ( XXXX, Washington ) for the amount of {$16000.00}. I then immediately contacted Wells Fargo to report these as fraudulent charges and to cancel the transactions and not to remove the funds from my account. Wells Fargo did investigate these fraudulent charges and issued me a temporary credit but on XX/XX/2023 the charges were placed back on my account. I contacted Wells Fargo and was informed that these were a direct point of sale and that I would be held responsible for these charges. The credit card that was used was a new card that was mailed but I never physically received this card. I reside in XXXX Florida and had just XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, I was on XXXX XXXX and unable to travel to these locations. I was at a XXXX. XXXX on XX/XX/2023 in Florida at the time of the first fraudulent charge. I have filed a police report and contacted XXXX, Washington police department that said this is an ongoing issue with XXXX XXXX. I want these charged removed because I didnt authorize them and reported them while pending still and said to not let the transactions go through. My card was over charged thousands of dollars and should have been red flagged with all these charges being done with such high amounts over and over again. Wells Fargo should not have allowed my account to be overdrawn especially that much money and also allowed them to do over 8 transactions at one location and not notice the scam taking place. I have tons of messages showing someone has cyber attacked me and stolen my information as well as sold it at the time of fraud. My credit score has been effected and Ive been a loyal customer to Wells Fargo since it was XXXX over 15 years. This is extremely upsetting that Ive had to battle them over charges I know I didnt make and reported while still pending.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Monday XX/XX/2024 approximately at XXXX, I walked into my local Bank of America Branch to deposit cash. I waited in line to speak with a representative to make the depo But there was only XXXX person serving us. Due to a lack of staff and time that I had I asked a rep if I can make a large deposit in the ATM located inside of the Bank, he said yes and it should be faster then waiting in line. The ATM was being used by by XXXX person so i waited till he was done. After he was done And then I proceeded to the ATM and put my card in entered my pin, and pushed the deposit cash option. I deposited a total of {$3700.00} as soon as I deposited the last couple of bills, the ATM went to a Black Screen Returned my debit card and rebooted. I didnt receive a receipt nor the funds available in my checking account. I immediately asked the Bank representative what happened and I explained the above. They sat me down and asked me to call the Customer Service line by phone and was asked to file a claim. The claim was filed and they told to just wait until they have processed the claim.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2024 checking my small business accounting software I noticed that a credit card that automatically is paid from my business checking account suddenly had a late fee. Checking further I discovered that WellsFargo closed both my Business Checking and Business Savings accounts of XXXX  years on XX/XX/2024 ( Personal customer for XXXX  years ). On calling support on the XXXX they claimed I never submitted a requested physical address to have on file for the business accounts which I had completed in XXXX and even received cards in the mail confirming the address change. After additional research the support person located the attempted address change, but stated that it hadn't actually changed and so the accounts were closed and there was nothing he could do to address the situation. The only recourse they offered was to schedule an appointment to go to a physical branch for an hour an XXXX half to open brand new accounts which are not linked to any of my other business accounts, or money management tools because there " is no way to re-open the accounts '' that they incorrectly closed. WellsFargo made no attempts to call, or email me despite my long history with them they just closed the accounts causing late and non-payment fees to be incurred on accounts relying on this checking account for auto-payment.
Consumer complaint received 2023-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I was approved for HAF through state of Florida. Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. XXXX 's payment ( send on XX/XX/XXXX ) was not posted until I made a CFPB complaint - then it posted on XX/XX/XXXX. XXXX finally posted on XX/XX/XXXX. Two payments have now been made to Caliber - one for XX/XX/XXXX and one for XX/XX/XXXX - both in the amount of {$1300.00}. Caliber switched my servicer to XXXX and did not send/post/apply funds before that transfer of service. This changed happened on XX/XX/XXXX, not allowing me time to get funds rerouted. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by Caliber.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone was using my card in XXXX. Due to visa issues i can not leave XXXX XXXX. I never NEVER been to XXXX. They used it at enterprise, a vape store ( i dont smoke ) and a hotel. 
I called Bank of America and got a new card and disputed charges. I have proof i was at a hair salon in XXXX XXXX DATED the day they were using my card in XXXX. They still are not refunding me. I have photo evidence. I also used my XXXX IN PERSON PHYSICALLY. In XXXX XXXX on this date.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one closed and charged off my account without proper notice and charged off more than my original balance they refuse to acknowledge the XXXX dollars that I paid them when I believed my account was still open however they closed it without proper notice, then charged off XXXX! I have notified them several times to correct this or stop emailing me to pay an amount that I do not owe. They continue to ignore my emails back to them to correct this and continue to harass me for XXXX yet when I check XXXX they charged off XXXX thats illegal and violating my rights.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OK)

MOHELA does not attend to the issue I am having regarding employment history. I already told them that I am serving with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But MOHELA still states that I was employed with the XXXX  from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which is not correct. 

My contract and orders already display my application acceptance date, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and expected contract length date. I do not know what else I need to provide for supporting documentation. They may visit in-person at XXXX XXXX and check documentation with my Chain of Command if necessary. 

*** Student loan is from XXXX XXXX XXXX XXXX. It was not an option on the School menu.
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (MD)

In XXXX XXXX XXXXXXXX placed a debt from Navy Federal for a credit card in the amount of {$6600.00} on my credit reports in XX/XX/XXXX letters for account verification where sent to XXXX XXXX And Navy Federal to which both failed to verify the debt so it was removed from my credit reports. XX/XX/XXXX XXXX XXXX  has a new owner XXXX XXXX XXXX, they have placed the debt back on my credit so I sent out a account verification letter to XXXX XXXX XXXX on XX/XX/XXXX giving 30 days to respond it is now XX/XX/XXXX and they have not this is long enough for this debt that does not belong to me to be removed Also I was able to have it removed by XXXX dispute # XXXX on XX/XX/XXXX but not XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DE)

I received a letter from my county tax dept. that my taxes were pass due. My mortgage isnt paid off so my taxes should be paid by the mortgage company. I called the mortgage company and it can take them XXXX weeks to research. I have incurred a late fee on top of my county taxes not being paid
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

I submitted an almost {$600.00} payment a little over a XXXX  ago and their portal says I owe almost {$400.00} still. This is XXXX, XXXX  inaccurate.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

This is in reference to my CFPB complaint that I filed against Synchrony Bank and it's Collection Agency XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2023. 

Please reference case number XXXX. 

Today I received notification that SYNCHRONY Bank placed a NEW balance owed mark on my credit report AFTER they sold my Debt to XXXX XXXX XXXX XXXX. This is in violation of the Fair Credit Reporting Act. Once the Debt is sold, Synchrony can no longer report to the respective Credit Bureaus. I will attach the screen capture from XXXX to this complaint. This is the information in the entry submitted today. 

Lender : SYNCB/CAR CARE PEP BOY Current balance : {$2600.00} Account number : XXXX... 
Credit limit : {$1500.00} Amount over limit : {$1100.00} This reporting by Synchrony is obviously in retaliation to my filing a complaint, ref : XXXX, to the CFPB. While I am not a lawyer, I am fairly certain this is illegal.
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IN)

I have a parent plus loan with Aidvantage that is currently in " in-school deferment status. '' This is my first parent plus loan and when the first disbursement occurred, I called Aidvantage and spoke with a representative to find out if I could make payments on the loan while it was in deferment - I was told I could. I was making payments prior to XX/XX/2023 ( when the Federal deferment was removed ) with no issues. All payments made after XX/XX/2023 have been returned to me without notice. It took 90 days of making payments before I realized my payments weren't posting to the account, BUT I was still being charged interest. When I called Aidvantage to find out why they were returning my payments the customer service agent spent 30 minutes giving me a multitude of excuses from there wasn't funds in my account, to I couldn't make a payment with the same card that I made payments to my own ( paid off ) student loan, to the most current disbursed loan was less than 6 months old so payments couldn't be made on it. Rather than find someone who could give me an actual answer she left the call by telling me once the funds had been on the account 6+ months or more I could make payments. If that's the case, I'll never be able to make payments because there will be a new disbursement every 6 months. Additionally, I was able to make payments on the first disbursement with no issues within the first 6 months. 

I'd like to know why my payments were refunded. I'd like to know why they were refunded with no notification. I'd also like to know, if this is a common occurrence, why the staff of Aidvantage has no training, or information, to be able to pass along to their customers. Why is there no information on the Aidvantage website and/or on the Department of Education website ?
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (TX)

The failure to further and fully investigate the matter is absurd! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. I disagree with the decision as this debt is not mine, and I should not be held accountable for someone else using my information. Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : * FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX : Fine of {$1000.00}. * Defamation, financial injury- US Court of Appeals, XXXX Circuit, No. 00-15946 Nelson v. Chase Manhattan : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. * Defamation, willful injury - FCRA Section 623 CUSHMAN v. TRANSUNION CORPORATION ; US Court of Appeals for the Third Circuit Court Case 115 F.3d 220, June 9, 1997 Filed ( D.C. No. 95-cv-01743 ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I received an email about my credit from XXXX XXXX  XX/XX/24. Apparently it was pulled from Experian. STOP ACCESSING MY CREDIT REPORT! THE INFORMATION IS FRADULENT! XXXX IS INVOLVED IN XXXX  FRAUD! STOP CONTACTING ME! EXPERIAN, LOCK MY REPORT AND STOP SHARING WITH EVERYONE! I DONT WANT ANY CREDIT, AND I DONT WANT YOU SHARING A REPORT THAT CONTAINS SLANDER AGAISNT ME!