davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (WV)

I trust this message finds you well. I've recently identified unauthorized inquiries on my credit report for accounts I never applied for. Notably, I haven't held a driver 's license for 5 years, making any vehicle-related inquiries inaccurate. I kindly request your prompt removal of these unauthorized inquiries. While I understand the importance of accurate reporting, these inquiries do not align with my current financial circumstances.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (NC)

This creditor GLOBAL LENDING SERVICE engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

Jefferson capital system is a third party debt collector which the debt was sold to them by XXXXXXXX XXXX  that is illegal for a third party to buy a debt and try to collect Jefferson capital system do not or can not provide a real orginal contract showing I made this debt. This suppose debt was identity theft which I show the police report to XXXX XXXX the time XXXX  was in business before bougth out by XXXX  this debt is under the guide lines of ( 15 usc 6802 ) iam asking that this be removed asap
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (RI)

Jefferson Capital Systems. Keeps attaching things to my credit saying I owe a debt with them. Which damaging my credit. I owe no debt to this company. Identity theft is involved. I gave no consent to use my social security number. Or my estate or trust property. I will be sending the company an invoice for the violations of theft against my trust and estate property and if the invoice is not paid in 3 days I will put an XXXX XXXX XXXX against the company until the debt is paid.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX I made a payment to Capital One card for {$740.00}. I was traveling out of town and needed to rent a car. The funds were taken from my account on the morning of XX/XX/XXXX. Upon arriving at my destination, I realized that the payment had not posted. I made several calls to Capital One asking to post payment. It took three calls for them to advise me that payment will not post until XX/XX/XXXX. I was left stranded in a city with no way to rent a car.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. By the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

NEW INFORMATION : XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern, I am writing to formally raise concerns regarding the handling of my student loan account ( Account Number : XXXX ) by the Pennsylvania Higher Education Assistance Agency ( PHEAA ). It has come to my attention that there may have been a failure to comply with applicable Federal Regulations, specifically the Family Educational Rights and Privacy Act ( FERPA ) and recent enactments by President Biden aimed at safeguarding financially vulnerable borrowers like myself. 

In light of the recent legislative changes, President Biden has introduced protections to mitigate the adverse consequences of missed payments for vulnerable borrowers. This includes a 12-month " on-ramp '' to repayment period, spanning from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX During this time, borrowers who fail to meet their monthly payment obligations are not to be considered delinquent, reported to credit bureaus, placed in default, or referred to debt collection agencies. 

I must bring to your attention that I do not recall the stated loan, nor have I been notified of any scheduled repayment obligations concerning this account. This lack of communication and documentation has left me unable to verify the legitimacy of the claim or to understand my obligations fully. 

Therefore, pursuant to the regulations mentioned above, I hereby request the following : Immediate provision of copies of the original promissory note associated with my account, along with all attachments, disclosures, and any other relevant documentation. This is essential for verifying the debt and ensuring that all parties are fully informed of the terms and conditions. 

In accordance with Federal law, I request that PHEAA cease and desist all reporting and collection activities related to my account during the aforementioned 12-month " on-ramp '' period. This includes refraining from reporting alleged delinquencies to credit bureaus, placing my account in default, or referring my account to any debt collection agencies. 

This letter serves as a formal request for compliance with these federal regulations, aimed at protecting borrowers and ensuring fair treatment. I trust that the CFPB will take the necessary steps to ensure that PHEAA adheres to these legal requirements, safeguarding my rights and interests as a borrower. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX enclosures : state issued id, utility bill, intial CFPB reply, summary of enactment from student aid website
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had a capital one venture XXXX credit card for several years now. I am ready to convert my reward points to airline miles, but I can not access that portion of the website. I have no problems logging into my capital one account, but once I try to access the reward page, where I can convert points to partner airline miles, it asks for log in info again, and then adds a second step phone verification code. I request a verification code, and the screen says the function can not be completed at this time. The access problem exists whether on my phone app or on their website on a desktop computer. 
I called capital one about this, and their response is that its a known system problem, and can not give me a time frame when it will be resolved. I have waited nearly a week, and still have the same problem. 
I am frustrated that I can not access one of the main features of this credit card reward system.
Consumer complaint received 2015-08-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

We are now being charged XXXX for using our overdraft protection plus the interest. We have no problem with the interest, but why a new XXXX fee each time we use it. Also, we are now limited to XXXX trans actions per month on transfering our own money from XXXX acct to another. After XXXX tranactions ... a fee is imposed?
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I enrolled in a program that help you when you behind, they enrolled me, the rep told me that all fees would stop, I ask would this report and credit report she replied no as long as you make a payment I got everything caught up and then they reported me as being 30 days late, I called and another rep gave me different info. I only owed XXXX and paid it up, I was only in this program for only a month, I'm not understanding why they reported late on my credit.
Consumer complaint received 2024-02-27
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2023 I purchased a product at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and I applied a Kay XXXX  Credit Card to purchase the product at the cost of {$1400.00} in the store. The sales associate told me that the credit card payment will be no interest charge. And I believed and was not aware of the no interest charge period. After 12 months, and I see there is an accumulated interest charge on the credit card statement, and I inquired the credit card company said the interest is accumulated at once at the time of 12 months after the first day purchase. And I was totally not aware of the promotion terms, and purchased the product by incomplete or inaccurate disclosure of credit card term.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AZ)

Since XX/XX/XXXX I've contacted them no less 10 times to get information as to why my account is suddenly locked, just days before my tax refund is scheduled to be delivered. I've been told the same thing every time, that they don't have access to the information and that a higher team is investigating it, and to wait for an email to follow up with instructions and information. I've not received any information from them, and feel it is extremely poor customer service. To have no access to my funds and no answer to what is happening is infuriating.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Have a 30 yr fixed VA loan serviced by XXXX XXXX. Requested forbearance under CARES Act related to financial hardship due to COVID-19.Recieved approval of forbearance approval. Was current on mortgage payments until I received notice of approval of forbearance, then halted payments. Noticed a 17 point drop in my credit rating based on data submitted by XXXX XXXX. It was my understanding that under the CARES act that the forbearance period should not negatively affected my score which is not the case. I have reached out to XXXX XXXX in an attempt to resolve this and not recieved any resolution. Any assitantance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-11-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (PA)

I receive the title to the car that was Financed with Wells Fargo Dealer services. I have issue with wells fargo dealer services as a charge off amount. If there was a charge off amount why did I receive my title. 

Dates not reported on my credit file as wrong by wells fargo first reported 2010 wells fargo did not report the loan right on none of the reporting bureaus. 

Wells fargo dealer services received all there money and there was no balance left owed on the contract.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Credit Corporation (NJ)

On XX/XX/2020, I previously submitted a complaint ( confirmation # XXXX ). 

AVANT Credit Card has again ( 1 ) failed to close my account and ( 2 ) applied bogus charges. The loan number assigned to me is ID # XXXX. 

Today I received another bogus charge via email. See below. Please stop these criminals! 


| AvantCard | Your Statement Hi XXXX, Your statement is now available. To view your statement, log into your account online. Here are some of the details : Statement Balance : {$29.00} Total Minimum Payment Due : {$25.00} Payment Due Date : XX/XX/2020 2020
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I filed bankruptcy in 2012. The house was not included in the bankruptcy. I tried to explain to Bank of America that I paid all of my payments and the house was not included in the bankruptcy. Every time I tried to resolve this, they called me a bankrupt person and they took my house and wrote it off as a loss and put it on my credit report. I paid all of my payments and had never been late on a payment. I am enclosing all of my documents that show this.
Consumer complaint received 2024-02-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo claims to have " thoroughly addressed " their repeated mailing of mediation request forms, in which case, reps at mediation program refuse to provide mediation, hang up call... I've reviewed prior replies from Wells Fargo reps, there is absolutely no mention of their runaround mediation forms... These forms are sent in reply to unauthorized accounts opened by Wells Fargo reps including account ending XXXX, account ending in XXXX, a Jewelry account, XXXX XXXX XXXXXXXX Due to accounts opened, my credit has been impacted, credit score dropped, been denied credit. Further, I was not reimbursed for a debit card purchase in amount of {$290.00} made under account XXXX It appears Wells Fargo refuses to address issue pertaining to runaround with their mediation request forms, a total of nine or more of these forms have been filled out, returned, acknowledgement letter received.. When the number on letter is called, XXXX, I am told mediation efforts exhausted or am hung up on ... With regard to any efforts made, I believe this refers to a prior mediation from XXXX, in which case, this mediation refers to older deposit accounts from around XXXX, also unauthorized. A payment in amount of {$3700.00} was offered, sent to my old address after moving, never received. I requested proof of address verification, was provided with a letter from a XXXX XXXX agreeing to a payment in amount of XXXX, nothing all to do with payment in amount of XXXX. When runaround with mediation forms is brought to Wells Fargo attention, they refer to prior replies and or ignore issue. Most recently, I've received calls from Wells Fargo fraud dept as well as Wellls Fargo home mortgage line, was told they have removed XXXX XXXX XXXXXXXX as a merchant under their retail program, nothing at all to do with damage to my credit. There is mention of " mediation payments " in amounts of {$17.00}, {$50.00}, {$400.00} none of which received.. It appears Wells Fargo reps are attempting to offer these payments in leiu of their runaround with mediation forms .... These payments were not mediated or agreed to, do not cover damages, will not be accepted.. Well Fargo has been fined by CFPB in amount of {$3.00} XXXX, has little to no credibility, which goes to show in their runarounds.. Unless Wells Fargo is willing to offer a reasonable settlement offer to cover damages, I request CFPB fine Wells Fargo for handling of issues above, including their numerous runarounds
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (IL)

national credit systems has been reporting on my credit and attempting to collect a debt in different amounts. one for XXXX another company by the name of springs for XXXX I dont know either of these companies. I have asked for verification of the debt. I've never heard of them or have been sent anything proving that I owe this balance. I need help to remove this from my report, this is Causing me to not be approved from an apartment,. im currently homeless and unable to get any kind of housing due to this. thank you for your time.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

I recieved a false report from my insurance company who dropped me because of false claims negligence and discrimination provided by Lexis Nexis. This is not the first time the company has violated my human rights as a consumer. The company said I filed XXXX home owners Insurance claims to XXXX XXXX and they denied my services and would not extent or remove the false documents on my consumer profile. 15 usc 1681b Permissible purposes of consumer reports. This violation states that without written permission from the consumer ( me ). Lexis Nexis is a consumer reporting agency that violates all consumers. Lexis Nexis is to be held liable and accountable for breaking the law 15 usc 1605 ( a ) ( b ) ( c ) ( d ) and ( e ) The sum total of damages in the amount of XXXX dollars
Consumer complaint received 2024-02-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (LA)

SLS Has Violated Multiple multiple state and/or federal regulatory laws. 

They have : 1 ) Illegally Changed my Mailing address without my knowledge, so I would not receive any correspondance on my account.

2 ) Illegally Added an address that is not mine to my Account and Credit Report, so I would not receive any correspondance on my account. 
XXXX ) Did not send me XXXX XXXX to the correct mailing address required by XX/XX/XXXX. 
4 ) Form 1098 retrieved digitally has an address that was illegally used to update my information without my knowledge. 

Suit XXXX has been filed against Specialized Loan Servicing in XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX State of Louisiana. 
In addition agencies has/have being alerted of SLS 's servicing practices including : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington , D.CXXXX XXXX XXXX : ( XXXX ) XXXX
Consumer complaint received 2021-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My Name is XXXX XXXX - address is XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX. email address is XXXX. 

My mom recently died on XX/XX/XXXX, XXXXand we are in the process of trying to sell her home. My mom lived with my sister at her home for the last 3 years which is XXXX XXXX XXXX- XXXX, Michigan XXXX. 

My parents had taken an equity line out back in XX/XX/2010 and since that time the XXXX XXXX sold to Chemical Bank and then sold to TCF Bank and Huntington Bank just brought TCF Bank. 

Huntington Bank is giving us a payoff of {$14000.00} but refuses to state to the title company XXXX XXXX XXXX in XXXX, Michigan that this will take the lien off for the property located at XXXX XXXX XXXX XXXX, Michigan. This is causing a problem with the closing on the property. We need help with trying to get this bank release the lien. I have attached the documents pertaining to this Equity Line. 

Thank you in advance for trying to help us.
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (GA)

OCWEN LOAN SERVICE & XXXX XXXX. SHAREHOLDER A schedule appointment for Monday XX/XX/XXXX OCWEN RELATION MGR. 
NEVER CALL ME AT XXXX PM. THIS IS THE THIRD TIME SINCE XX/XX/XXXX. 
TO GO OVER THE NEW PACKAGE SENT IN XX/XX/XXXX. EVERY TIME YOU CALL ASSIGNED OCWEN ( RM ) NEVER AVAILABLE THERE NO LOAN MODIFY YET SINCE XX/XX/XXXX, I APPLY FOR AFFORDABLE HOME LOAN, HARP LOAN. IM XXXX YRS. 
To : " XXXXXXXXXXXX '' XXXX " Relationship Manager '' OCWEN PERSON NEVER CONTACTED ME ON XX/XX/XXXX FOR SCHEDULED APPOINTMENT THIS IS THE THIRD TIME.. 
I CALL IN AND ASK WHY NO. VERY FRUSTRATE .THE RM RESCHEDULED APPT. 
FOR XX/XX/XXXX WHOM WAS STILL NOT XXXX .RM ASK ME WHAT I WANTED. WHEN HE CALL. NEVER WENT OVER PAPER WORK.. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On Wed, XX/XX/XXXX, Relationship Manager XXXX wrote : Subject : Important Account Information To : " XXXXXXXXXXXX '' XXXX ; Date : Wednesday, XX/XX/XXXX, XXXX Dear XXXX, Our records indicate you have spoken with one of our Relationship Managers ( RM ) on your scheduled appointment on XX/XX/XXXX. PLEASE PLEASE PLEASE DO SOMETHING ABOUT OCWEN LOAN OR FINANCIAL THIS BEEN GOING ON SINCE THEY TOOK OVER MY ACCOUNT XXXX BUT THEY HAVE FRAUDLENT REPORTED TO CREDIT AGENCY OCWEN LOAN SINCE XX/XX/XXXX FALSE .. XXXX XXXX XXXX THIS NEW LOAN FOR HOME IN XX/XX/XXXX. PAYMENTS ARE INCORRECT. I HAVE MAIL BANK STATEMENT THREE TIME XXXX PAGES TO FL. AND THEY STILL SAY DONOT HAVE.. 
SCAM..NOW THEY WANT TO TAKE THE HOME.. SEE OTHER CASES. XXXX COMPLAINT SINCE XX/XX/XXXX WHEN IT WAS HOMECOMING FIN. THEN GMAC THEN OCWEN. XXXX XXXX INVESTOR. 

From : Consumer Financial Protection Bureau XXXX ; Subject : Your submission, [ Case number : XXXX ] XXXX ; Date : Thursday, XX/XX/XXXX, XXXX