davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (NC)

discover bank unfunded claims. Discover Bank recently closed my account because they claimed that the continued fraud on my account was concerning. This is after I called them to discuss the transaction that they previously had not seen as disturbing. In their XXXX Discovers backs checks that where posted through multiple times and activity from target card. All of which was explained in documents sent to them that morning XX/XX/2017. The XXXX Transactions in questions were done fraudulently although I did willing link my target debit card to my discover bank account. In the affidavit sent to XXXX on these charges it clearly explains what happened. Discover Bank is claiming the account can still be compromised because they could use the target card to access the account and get the account number. XXXX XXXX does not store the full account number online. XXXX in the affidavit it states that I know who took the card and that the card was back in my possession. So there was no one the account could continue to be compromised. As for the checks. XXXX has a pending complaint for me about running those checks through multiple times without my permission on XXXX. The complaint is attached in this. Without the multiple returned check fees plus the small deposits I received the account would not be overdrawn. As shown in previous complaint that Discover has yet to answer my Discover debit card was unable to be used and I had recently lost my debit card to my XXXX account. Those accounts are linked so I can transfer between the XXXX but I needed to make deposits via mobile to another account. I will admit that my transfer from Discover and then transfer from XXXX could be problematic and it was. As I try to transfer between the XXXX and Discover. Discover would reject the deposits. A print out of my credit between XXXX and today date XX/XX/2017. To show that my XXXX account had funds in it to complete the transfer had they allowed. So essentially for me. I had {$360.00} in XXXX fees plus {$160.00} in direct deposits from my employer and another {$300.00} transaction from the fraudulent target transaction that would have covered checks written. Because I did not have access to my debit card. Checks where the only way I could move money from Discover. XXXX had informed me they worked on the fraud case and that it was settled but nothing was settled which is why I called Discover and sent them the documents asking them to help in removing the NSF fees on my account.
Consumer complaint received 2016-09-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Coastal Credit, LLC (OK)

I purchased a vehicle in 2014 from Coastal Credit LLC. I had made on time payments since then. I started receiving calls stating that I was past due anywhere from 30-90 days multiple times showing I disputed charges and payments, which I never disputed a charge as I authorized all charges. I submitted proof to the location in XXXX, Colorado and all of a sudden that office was closed in a matter of a weekend. Prior to that I was working the office in XXXX, OK which was also closed in a matter of a weekend. I had been working with a couple of employees providing documentation and proof and working with them to fix this. As we were working on this, I had been surprised as I was promised since I had been in talks with providing proof of payments that the vehicle would not be secured or repossessed but indeed the vehicle was actually on the repossession truck and the driver had the courtesy to come knock at my door and he waited for me to talk to the bank in which I was demanded to pay for the entire balance after we had agreement but I had to prevent repossession. After that payment, I was paid up to date. Then about a month or two later I received a new call stating that I was in the same boat. I spoke with the same individuals and they fixed it but then shortly after a hour, I had a repossession agency contacting me to arrange a pickup of the vehicle in which I had said we had fixed this and I called Coastal Credit back and the lady could not get a hold of the person who was authorized to fix it and told me to " hid my vehicle ''. I was absolutely disgusted that a " bank '' or loan service told me to do that until they could tell that agency not to secure the vehicle. In the midst, they reported me 30 days past due and I can not get it removed and have contacted an attorney to file suit but have not pursued just yet until I notice absolute no resolution. I primarily contacted an attorney to file a complaint to get the late 30 day reporting removed. Since then, I have worries of the vehicle being secured illegally and no one at the new office is willing to talk to me or get me with the people I was working with as I am curious to see if that office staff were fired because they just shut down. I am working on trading this or refinancing with another company.
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (TN)

Discover Card will not close my zero balance accounts. 
Als I am receiving credit card offers at my house, sent to my XXXX XXXX XXXX son. 
I have called many times to stop the mailings but to no fix. 
I even moved, ( my son does n't live with me he is in the armed forces 13 years now ) They followed to my new address when I did. Change of address, just in my name. 
Called son and he says he is also having exact same XXXX. Problems They wo n't close accounts and constantly send credit card offers which he does no want. 
The time period of this is over the last 13 years. I declared bankruptcy during that time and they still send offers.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (IN)

I had an account at Jp Morgan chase that was closed due to possible fraud, after a frustrating process, they closed the account and states that the entire balance will be retuned to me. After they close the account, the bank returned only XXXX, I am missing about XXXX dollars. I have tried to reach out to Chase and all I have was the run around from the fraud department about why I am having a difference balance that was deposited into my account. When I called on XX/XX/2022, I was informed that this amount was supposed to be a check refund to me from the XXXX company of XXXX. I was informed that I was supposed to have 3 checks in the amount of XXXX dollars each. However, this is not the case. The XXXX dollar was a rent check that was made out to my mother, which deposited by mistake into my personal account under my own name. I have tried to resolve that issue with chase, but they insist on either my mother to verify the check or have the Tenant do a recall. I managed to have the tenant agree to do a recall, however her bank refused and stated they can only do a dispute which will take 3-6 months. I have informed chase my mother lives overseas and have no way of being able to verify that check unless they are able to contact, which Chase states they are unable to make international calls. I just want the XXXX that was owed to me, deposed into my account in the full amount. Chase has made this progress incredible difficult and have offered no assistance.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

When I bought a TV from Best Buy in   XXXX  , I was offered to get a Best Buy credit card with no interest if paid off at the end of the promotional period. Later I was asked to go green with paperless statement and auto payment. So I did. My plan was to pay if off at the end promotional period to avoid any interest payment.     No statement had ever been sent to me but I do get an email about the monthly charge posted to my checking account. Today I signed in online only to find that I was charged interest already. By downloading the statement online, I found that I was charged a hefty {$720.00} while the balance at that time was {$430.00}! And starting from that month I was charged interest every month. I called their customer service and was told there is nothing they can do. I paid off all the balance immediately today.     I realized the scam works like this   : 1. Give an promotional offer to get people in 2. In the name of go green and save the environment, get people sign up for e-statement and auto pay 3. Only send email about the monthly charge, but not the balance or billing details. This gives a sense of normality.
4. When time passes by, many people will forget to track the billing details 5. Do n't send notification about the upcoming promotion ending period, simply start charging i  nterest.
Consumer complaint received 2016-05-11
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CASHCALL, INC. (CA)

The law firm that Cash Call hired to collect their debt is calling me on my cell, my work number. They are leaving VERY DETAILED information on my parents home phone, my sisters phone and my friends phone stating that this is XXXX XXXX from XXXX and this message is for ( My Name ). XXXX ( My Name ), your agreed upon payment of {$170.00} failed to clear your bank and came back as insufficient funds. If we do not hear back from you within 24 hours we will be contacting XXXX XXXX for fraud charges for them to take their action on a state and federal level. Please return my call at XXXX ext XXXX And a XXXX also left this same message with a call back number of XXXX ext XXXX I do not live with these relatives or friends. They should not be leaving these types of messages.
Consumer complaint received 2016-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (NJ)

I have previously submitted a complaint about a private loan taken out by XXXX XXXX XXXX ( a loan which is now held by University Accounting Services, LLC ). As the procurer of this loan, under the class action suit that was filed on XXXX XXXX, 2014, I am entitled to certain benefits according to the settlement offered in this case. I have not received any information regarding this and when I attempt to contact the loan servicer, the only information I receive is that since it is a private loan I am not entitled to " loan forgiveness '' under Borrower Defence.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NY)

OVER A YEAR AGO SOMEONE STOLE MY IDENTITY OPENED UP A CREDIT CARD ACCOUNT WITH XXXX AND XXXX. I PROVIDED EQUIFAX WITH MY POLICE REPORT, FTC AFFIDAVIT, AND PROOF OF THE PERSON THAT WAS BEING INVESTIGATED FOR THE THEFT OF MY IDENTITY AND EQUIFAX NEVER NOTIFIED THESE BANKS THAT I HAD A FRAUD IDENTITY CASE FILED AGAINST THE PARTY THAT STOLE MY IDENTITY. INSTEAD THEY IGNORED ALL MY POLICE REPORTS, DOCUMENTATION AND INDICATED FOR ME TO CONTACT THE BANKS INSTEAD. FOR AN ENTIRE YEAR MY CREDIT HISTORY HAS SUFFERED BECAUSE OF THESE BANKS AND I WANT THEIR ACCOUNTS REMOVED IMMEDIATELY FROM MY CREDIT REPORTS OR I WILL BE FILING ADDITIONAL CIVIL AND FINANCIAL CHARGES AGAINST BOTH BANKS FOR ALLOWING THE FRAUDULENT ACCOUNTS TO CONTINUE ON MY PERSONAL CREDIT HISTORY. FOR AN ENTIRE YEAR EQUIFAX HAS RECEIVED THE POLICE REPORTS PROVIDED TO THEM REGARDING THESE BANK CREDIT CARDS AND TO DATE THE BANKS NEVER REMOVED THE CREDIT CARDS FROM MY CREDIT REPORTS AND I WANT THESE FRAUDULENT ACCOUNTS REMOVED!!! IF XXXX OR XXXX WANT TO RECEIVE THE POLICE REPORTS THAT I HAVE PROVIDED FOR AN ENTIRE YEAR TO EQUIFAX CREDIT BUREAU THEN THEY WILL NEED TO CONTACT EQUIFAX TO OBTAIN THEM CONSIDERING EQUIFAX ADVISED ME SEVERAL TIMES FOR AN ENTIRE YEAR THAT ALL INFORMATION WAS VERIFIED AND PROVIDED TO XXXX AND XXXX.
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (OH)

We had a home for 15 years in XXXX XXXX, NJ and my husband lost his job in XXXX of XXXX. We tried to sell the property in short sale, but XXXX denied XXXX separate short sale offers. We went into a backdated foreclosure in XXXX of XXXX and had moved out of the house at that time. XXXX then got caught up in the robo-signing mess and our foreclosure was put on hold. In XXXX, we were told that the XXXX forgiveness act was expiring and we should file for bankruptcy against the house due to it still being in our name and again in active foreclosure. The home was discharged in XXXX XXXX. Our loan had been sold to XXXX when XXXX went under, and they were notified of the bankruptcy. They assured me that they would put the home in sheriff sale, but during the XX/XX/XXXX, 6 years after initially leaving it, we were told it was sold to Seterus. Seterus has been calling me weekly ( every 5 business days ) on my cell phone to try to collect the debt, though they know we were discharged and they have been given the file number repeatedly. We also get weekly or bi-weekly collection notices through the mail. 
The house is still in our name though it was turned over to XXXX in XXXX, and we are forced to still rent due to the inability to attain a mortgage because of the lien in our names. 
We have been given varied directions by attorneys, such as to rent the property and make some money, do a deed in lieu, which had already been offered and refused, or just wait it out. 
We need help!!! There is no end in sight at this point, and it is severely preventing us from moving on with our lives.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I reached out to Equifax in regards to some inquiries on my credit that I did not authorize and I also have a fraud alert on my account. I froze my account as well because of identity theft. I wrote them asking to remove the inquires and they responding telling me that they will not erase them because all companies does n't have to necessarily have my consent or my signature to pull my credit. This is really bothering me because I cant get approve for lines of credit that I need or some jobs have turned me away as well because of my credit issues. The items that I disputed are in fact in error. I did n't request any of them. I 've spoken with a few of the companies and they said its nothing they can do because its not an account, its just an inquiry. Having XXXX inquires that are n't yours affect you majorly and I am a single parent of XXXX trying to build and maintain my credit so that I can provide for my household. This is stressful. I 've called and written letters for them to respond the exact way. This is very distasteful and they act like its nothing that can be done and they do n't care to listen, read or help you in any way.
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified accounts from my credit report.
Consumer complaint received 2016-02-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MA)

This is the letter that I sent to ALLY Auto which describes the issue I sent in a Duty Change form to have my payments taken out of my account on the XXXX for each month. However, the form has not reached the Auto Department as or yet. This form was mailed 2weeks ago. In addition I was late paying my XXXX payment which was supposed to come out of my account on the XXXX instead of the XXXX. I was charged a late fee and paid the amount on the XXXX of the month a week later a payment was charged to my account even though I made the payment already which caused me to be charged a insufficient amount from my bank. I am requesting that this issue be looked into because my payment for XXXX is scheduled for XXXX/XXXX/16 even though I requested the XXXX of each month and I would like for a refund of the {$30.00} that I was charged from my bank due to your mistake. You can reach me at XXXXXXXXXXXX or XXXX. 

Thank You XXXX XXXX
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

In XXXX I obtained a private student loan from Navient ( formally XXXX ). I had to apply for a private loan because my ex wife was XXXX with my son and she could no longer work. I had to use my ex father- in- law to co- sign the loan. They promised to take him off the loan after two years as well as consolidate my loans. Its been over ten years and Navient has never helped me in any way. For 7 years I never missed a payment and during the economic downturn in XXXX I lost my job and since then I 've never been able to recover. For all those years I paid {$320.00} every month for both my federal and private loans and now in recent years I have to pay $ XXXX month even though I 'm earning a fraction what I was earning before. They refuse to assist me with reducing my monthly payments or in any other way. They have made the payment process extremely confusing over the years. One representative would tell me one thing then another would tell me something totally different. I simply can not pay {$500.00} per month! I earn minimum wage. even if I 'm a day late with a payment, they call my ex father- in- law numerous times a day and harass him. He 's an elderly man and it XXXX him out. I feel so helpless in this situation! 
Its also obvious that Navient has not been applying my payments to my loans. I have a billing summary from XXXX where my balance is {$25.00}, XXXX. 
My current summary states that I owe {$24000.00}. After making payments for almost three years, my balance has gone down by a mere {$1000.00}. How is this possible? I really want to do the right thing here and pay off the loan but {$500.00} is way too much / month on my salary. I do n't know what to do. I just want them to reduce my monthly payments and leave my ex father-in-law alone.
Consumer complaint received 2017-02-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (MD)

I have several accounts at ALLY BANK. Ally Bank does not have a relationship with XXXX, but that program was able to access data from some but not all of my accounts. I reported this data breach to Ally but they were unconcerned, even though they could not explain why XXXX of my several accounts were accessible..
Consumer complaint received 2020-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

I received a collection letter on XX/XX/XXXX from Transworld Systems Inc., regarding a " past due '' account balance of {$240.00} I supposedly have with XXXX XXXX XXXX ( XXXX ). The letter is dated XX/XX/XXXX. It provides no detail regarding the when this account balance is from or what it relates to. There is no way of verifying this information to be valid without calling XXXX and providing them with my personal information and " account number '' listed on the collection letter, since I have no current account with them. I refuse to provide them with this information with no current account. I have not had an account with XXXX since XXXX of XXXX and have received no form of correspondence from XXXX notifying me of any outstanding balance since then. It is absolutely ridiculous that I can receive a collection letter for a company I have not even had an account with in well over 3 years and no way to identify what the debt could be relating to. 

I find it very unethical of XXXX and Transworld Systems to attempt to collect a debt without providing any information regarding when and where the debt is from or any way to confirm its validity ( I don't believe it to be ). I am attaching a picture of the letter I received, for reference. I hope the CFPB can assist me in resolving this, so as not to negatively affect my credit score. Thank you.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AZ)

The account was mistakenly sent to XXXX for outside collection after we had a payment agreement with the original creditor. We called XXXX in XXXX XXXX to make the final payment but could n't until they had received the account in house. It was n't until XXXX XXXX that we could make the final payment which we did on XXXX XXXX, XXXX. At that point the account was paid in full, the issue was closed and nothing was ever supposed to report credit. Now a full year and 2 months later XX/XX/XXXX XXXX is incorrectly reporting an open collection on this same account that has already been paid. I have called them and there response is that they are not and have never reported this account to credit. They state that it is each of the credit bureaus that is reporting this not them. This issue has caused my fico score to drop XXXX points and has caused an extreme hardship for me and has damaged me financially. This is illegal and wrong and the account needs to be deleted from my credit report as soon as possible. All supporting documentation is attached for your review and consideration.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NH)

XXXX I am unaware of any valid contract with this company for which they report that I owe {$660.00} due to the account being seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. 

I disputed the above accounts directly with XXXX and have been attempting to resolve these issues directly with the above named collection agency since XX/XX/2016. As of the writing of this letter, they have been unable to provide any validate proof of a contract. They failed to mark my reports within the required time frame. I have retained copies of my ongoing correspondence with them and, if necessary, I can provide copies of the above as necessary to get this resolved as soon as possible. I only became aware of this account when I got rejected for credit last spring. This account is well over any statute of limitations in NH and has never been validated, either by the original creditor nor by XXXX. It is due to fall off my report shortly, however, it is holding up current credit needs. 

After several months and multiple unsuccessful attempts with Portfolio Recovery, on XX/XX/XXXX I disputed this reporting, in writing, directly to Experian, Equifax and Transunion. Transunion. Transunion investigated and deleted both the original and XXXX accounts. I waited for XXXX days and resubmitted online disputes to both Equifax and Experian. Although appropriate validation has never been provided, they have closed their investigation. 

I formally request that this information be immediately deleted from the credit file maintained in my name by both Equifax and Experian so that my credit portfolio supports my current financial goal. If it were even validated, it is a zombie debt and uncollectible. If need be, I am prepared to file suit and have all the documentation to be successful.