davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-27
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Credit Adjustments Inc (OH)

I keep getting calls from XXXX sometimes even more than once a day they NEVER leave a message so I have no idea what it 's about. I googled the number and other people have the same problems and I have n't even received any bills or anything in the mail. I am SICK and tired of the HARASSMENT!
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I have received a notification on my credit report of a collection report that negatively effected my credit. The company has never reached out in regards to the account nor did i have any knowledge of the account. I called the company ( midland credit ) and provided me minimal information regarding the account and demanded I pay first before they explain anything. I offered to pay the full amount if they removed the negative regards on my account, since I had zero knowledge of the account. I never received any letters or phone calls. They refused to show me proof of ownership of the account and what the original amount was. Got a rude response and very unprofessional.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a Cap One credit card. Because I was late with a couple of payments, my interest is now 29 %. I do my best to catch up, however what follows is what happens ; I started out with a {$3000.00} balance. I have not charged on the card in over XXXX years. However, my balance is only down to {$2300.00} because of the add ons. If I pay {$200.00} and its not the total amount due, I am charged a {$45.00} fee, plus over % 50 interest. Therefore I can not catch up. Ive actually paid over {$4000.00} in the last XXXX years but still owe {$2300.00}.!
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MD)

I XXXX XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( 2 ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Consumer complaint received 2016-08-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Midwest Recovery Systems (LA)

I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2016 I noticed a collection on my credit reports from Midwest Recovery Systems for {$2200.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$800.00} and I paid most of that back.
Consumer complaint received 2022-10-02
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: EQUIFAX, INC. (GA)

There are 2 inquiries from XXXX XXXX. They were within 30 days of each other. XXXX tells me that they did not order the second one. Again, they tell me that they did not order the second inquiry. Additionally, if they did run it... .without my permission, it was within the 30 day statute where it should not be recorded. Equifax keeps sending me disputes that says they are a matter of public record and that its too bad. Teach these XXXX  that they are in violation of the law.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

On XX/XX/2020 my account showed like unauthorized transactions where credited back to my account, however they never actually posted as a positive balance its like a ghost transactions. One for {$59.00}, {$19.00}, $ XXXX.I calculated the amount based on the direct deposits I received. Anytime that i get a deposit or a positive  balance I get email but no emails for these.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Key 2 Recovery, Inc. (OH)

I graduated from XXXX XXXX and University in XXXX, Ohio in XXXX. When I graduated I received a notice I had an outstanding balance of {$3300.00} from courses I had to repeat. The Financial Aid office failed to mention that my scholarship did not cover the entire class. Then I collection email from key 2 recovery for {$4200.00} and I was just finishing school which I actually finished in XX/XX/XXXX. I asked them what was the additional amount for and they said collection fees. I told them how is that possible when I was never told there would be collection fees. They started harassing my wife and my family to get in touch with me. I was not working at that time and I also asked for them to send me a detailed billing notice for the charges. Fast forward to XXXX of XXXX. They contacted my wife and said her paycheck would be garnished for my debt because I was her husband. They sent an email stating we could not pay via checking account or debit card that we had to wire the amount to Key 2 Recovery at XXXX. My wife then asked could we mail payments and they said no it had to be a wire transfer to make sure they received it and that we didnt say we mailed it but really didnt. My wife sent {$4700.00} over 8 months so they wouldnt garnish her checks. We received an email on XX/XX/XXXX stating we still owed {$900.00} in late fees, cumillated taxes and penalties and court costs and I could not receive my degree until it was paid in full. I contacted the school and they said they havent received a payment from key 2 recovery as of this date. I informed them of what we have paid and they told us to contact the company. I contacted the company again at XXXX and asked to speak to our collections agent XXXX XXXX. he stated he would contact the school to clear this up. He called again and left a message for us to return the call at XXXX and we still have yet to hear anything.? i want my diploma and our receipts asap. and this to be cleared up!
Consumer complaint received 2016-06-29
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

In 2014 I entered into a lease with XXXX and over my time with the lease I have spoken with many peers and individuals who have pointed out the exorbitant rate I am paying for my car lease relative to others with comparable means. My credit score was " good '' at the time of purchase and I traded in a car as down payment. The only remaining conclusion is that I am the victim of their predatory lending practices, as I am sure many others from the neighboring working class community have been. Despite bringing this to the attention of XXXX and Toyota Financial and offering opportunities to rectify the problem with a new, more appropriate lease based on my history with their financial institution they continue to offer no resolution.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$630.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$630.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX/XXXX/XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$820.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$540.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute StatusOpen/Never late. 
Account TypeCredit card Balance {$520.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX/XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$890.00} past due as of XX/XX/XXXX. 
Account Type
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 

Transunion have an inquiry from XX/XX/2020 from XXXX  to. I have contacted them both and up to now its still there
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MO)

I currently have a mortgage with Ditech ( I believe it is a XXXX ). Have had the mortgage for ten years ( although it has been passed from bank to bank over the years ). My mortgage has a due date on the first of each month with a grace period to the XXXX. However, my SS check comes on the XXXX of each month and most times is after the XXXX causing me to pay late fees. Ditech will not change the due date!!! Their solution is for me to refinance the mortgage for a new contract costing me {$2500.00} up front. My mortgage is current. Can I change it to a VA mortgage without upfront cost? Thanks.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-11-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AL)

I have recently been trying to send a bill payment via western union for the last 3 months and have had the same issue with failed response from all agents at XXXX, including closing my case number without resolve. The service worked fine for over a year for me but recently has failed. My last case # was XXXX. XXXX XXXX XXXX are my identifying profile items. 
Every time I go to pay the bill the code of XXXX or XXXX show sup with comment " change can not be processed '' I have gone to over a 8 locations with the same result on the vendors screen. I than call XXXX and they tell me its a vendor issue. The vendor calls them and than XXXX tells me to call them. The circle never stops which is why I opened a case number. I would like this issue resolved so that I can continue to pay my chase bills at the grocery store with XXXX. I have even tried to the XXXX app with the same result.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

I 'm being charged an ISF penalty that does not make sense to me. 
The bank says larger entries are prioritized when payments are pending regardless if those smaller entries come previous ( 3 days ), even if those previous pending entries were being covered with sufficient funds. How so?
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

Miscalculation of Loan modification Being overcharged for the last 6 years. Modification was completed thru GMAC and OCWEN now manages the loan. They were given a written notification to correct the problem. We received 2 letters from them the first one said they received our letter and would need 45 days to review the modification. after the 45 days we received another letter stating under RESPA they are afforded an additional 15 days. It has been 20 ( Business ) days and still no resolution.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA STEAL MERCHANTS CREDITS. I reported {$470.00} FRAUD XX/XX/2018 AND NEVER RECIEVED USAA FRAUD CREDITS. USAA CONFIRMS NO FRAUD ON THIS ACCOUNT. See attatched No Fraudulent Activity Found After Review of Your Claim XX/XX/XXXX, XXXX see attatched Statement XX/XX/18 my payment {$77.00} & {$28.00} {$47.00} {$34.00} {$21.00} {$75.00} {$170.00} MERCHANTS CREDITS POSTED. Kindly Note ( * TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD {$450.00}. * ) Kindly Note ALL usaa SECURITY ADJUSTMENT ( OF ) 's usaa Reversals of Merchants Credits. Kindly Note statement New Purchases  {$680.00} usaa REVERSED ALL MERCHANTS CREDITS POSTING THEM AS NEW PURCHASES. USAA PROVIDES NO PERMANET FRAUD CREDITS REVERSES MERCHANTS CREDITS LEAVING ME WITH FRAUD THAT THE METCHANTS PAID.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have contacted the company and the credit bureau for the two accounts is actually one account. Not only is it just one account the delinquent information listed is not accurate. I would like this corrected as soon as possible because it is stopping me from establishing a good credit history. Also every account that I am writing about I have disputed every account with Equifax and they still have not updated accordingly.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Global Trust Management LLC (CA)

Account was sent to collections ( XXXX XXXX XXXX ), account was sold to Global Trust Management. Account was paid, neither XXXX or GTM will report information to credit repositories. Disputed account with supporting documentation ( receipt from GTM ) and XXXX still reporting account unpaid - been 60 plus days and disputed account and XXXX does not own account - sold to GTM and is paid. Serious Violations of FCRA. ( did not receive right-to-dispute from GTM and XXXX not deleting account on credit report and acting as unaffiliated third party.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OK)

Synchrony closed seven of my credit card accounts ( some store cards, some general-purpose credit cards ) on XX/XX/2020 summarily for a " high risk of failure to pay '' ( per a letter received from them on XX/XX/2020 ), despite me having 4 years on record with on-time payments. When I spoke to them on XX/XX/2020 they said it was due to other factors on my credit report - but I have no delinquencies on any of my credit reports. I have always paid all accounts ( including all the Synchrony accounts ) on time and am in good standing on everything. 

To me it seems they are using this excuse to lessen their overall exposure during the economic downturn brought on by the coronavirus. I believe this because of my stellar credit history and from seeing others on social media whose Synchrony accounts were closed on the same day.
Consumer complaint received 2020-04-22
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. (OH)

There are two accounts reporting on my credit file that I was only an authorized user and I never asked to be. My ex husband put me on their without my knowledge and when I disputed the information the credit reporting agencies stated it was an individual account. I never opened nor signed for a XXXX XXXX /XXXX  account nor a XXXX XXXX account. All the bureaus did was report the information show it included under a bankruptcy but still have it listed under my name.
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (FL)

I applied for a secured credit card ... i was approved ... .but i can not make a payment to fund the account ... .the amount was for XXXX dollars, ... ..the company never answers the phone with a live operator ... .wont accept ach deposit to fund the account ... .wont accept payment from a debit or credit card ... ..and no way no shape can i fund it as to no fault of mine ... .now the credit card company is reporting this account on my credit report and soon its gon na show i m late but i m not they wont let me fund it no matter how many ways i try to get the account funded ... ... please help i dont wont a bad mark on my credit report cause the arent letting any make any payment be posted to open the account but the account says there is XXXX available to purchase but when i tried to use it, even though i havent funded because of them it says user not authorized.. dont know what that means and cant find out any thing from calling credit card company
Consumer complaint received 2016-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WI)

This is the second complaint I have placed. The first has went without a response. I am in the middle of a current Chapter XXXX. I am 2 years in. My mortgage is with Ocwen Loan Servicing LLC . A few months ago Ocwen started returning my mortgage payments. I called Ocwen only to be told I no longer owned my home and it had been foreclosed on. ( It has not ) Ocwen is accepting my Chapter XXXX payments. I have asked to speak to a manager at Ocwen and they refuse to speak with me. Again, I make payments monthly thru chapter XXXX and make my payments to Ocwen every month. Today my wife and young daughter were home alone and XXXX men came to the door. They stated they were from the bank. They dug thru my garage. They tried to break into to my home. My wife asked them to leave and they refused. They terrified my family. They stated the home was lender owned. IT IS NOT. It has never even been foreclosed on.
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 — Reporting company used your report improperly
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Check Cashing XXXX XXXX date : XX/XX/2021 ... .My credit was ran by this company on the following date without my permission or consent... I'm trying to get them off my credit report...
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

the credit bureau is reporting this collection as an " OPEN ACCOUNT '' which it is not under FCRA compliance. This is inaccurate reporting and needs to be deleted immediately. 

collection account on my credit report is XXXX XXXX FOR {$630.00}. 

This is being reported incorrectly as an open account. I need this removed and deleted
Consumer complaint received 2016-06-23
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Niagara Capital Recovery LLC (FL)

They call me and threaten me with service of process and that I need to be present to receive service of process. there is no case in XXXX XXXX filed against me and this is deceptive and fraudulent. They do n't tell me what the debt is for and they never tell me the name of their company or read me the mini miranda.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (PA)

I had a load with America credit acceptance. I was behind on some payment and made it known to them. Then for the past year play have been paying the payment in full and on time. I am still paying the payments each month. They have not reported that I have been continuing to pay the balance each month and stopped reporting in early 2019 when I still have the car loan through them and have been paying on time and am up to date that that is destroying my credit score. They havent updated it in a year and when I made a complaint they closed the account out which negatively effects my credit while  the loan is still with them. I just want its to be up to date so I can continue to improve my credit and they are doing everything they can to negatively impact it while I have been paying in full and on time for over a year.
Consumer complaint received 2020-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP (CA)

I APPLIED TO USBANK FOR A XXXX LOAN. THE PORTAL IS BROKEN FOR MY APPLICATION AND IS NOT LETTING ME PRODUCE DOCUMENTS NEEDED TO BE ACCEPTED FOR THE LOAN. I EMAIL THEIR SUPPORT EMAIL ADDRESS WITH DOCUMENTS AND GET RESPONSES THAT DO NOT HELP WITH MY APP. THEY TOLD ME TO REAPPLY FOR THE APP BUT SIMPLY THE PORTAL DOES NOT WORK FOR MY ACCOUNT AND THERE IS NO ONE WILLING TO FIX IT. THEY KEEP EMAILING ME THAT MY APP IS MISSING DOCUMENTS BUT DO NOT TELL ME WHICH DOCUMENTS ARE NEEDED, INSTEAD THEY GAVE ME INSTRUCTIONS ON HOW TO GET INTO PORTAL, BUT PORTAL IS NOT WORKING AFTER FOLLOWING INSTRUCTIONS. I SENT IN XXXX T, XXXX XXXX XXXX, BANK STATEMENTS, DRIVERS LICENSE, CODES TO UNBLOCK MY CREDIT AND CODE TO BE ABLE TO DO A BACKGROUND CHECK. 

EMAILS HAVE STARTED SINCE XX/XX/XXXX, HAVE OVER 30 EMAILS BACK AND FORTH.