davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

Recently have went to apply for a loan from my bank. They told me they could not find a credit score for me from Equifax. The other two credit bureaus report fine for me. I have already checked with all of my accounts and they all report to equifax and have been reporting effectively to them. They, being Equifax, say I have no credit file and that I need to send in documentation showing who I am, for example SSN, drivers license, etc. I have faxed over everything they have requested 3 times. Yes ... .3. And still nothing has been resolved. They still tell me I have no credit file. I have requested them to create me one and they still have not done so. They continuously send the same paper in the mail telling me to mail them the same documents I have already mailed 3 times. I am getting no where with them. They either don't care, or just don't fell like taking the time to help. Again, all of my accounts have been reporting to them so this is definitely an Equifax issue. I've been a US citizen all my life and have a car loan and a credit card and I am an XXXX  XXXX  XXXX, who receives financial aid. This problem is affecting my life and needs to be resolved. I have done everything on my end. This company just won't do their part.
Consumer complaint received 2019-03-03
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: Experian Information Solutions Inc. (IL)

I am a victim of Identity theft/fraud. 

I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX   AND EXPERIAN XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2019-03-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX at XXXX XXXX I contacted the corporate offices of Santander Consumer USA. I was about to pay off my vehicle but due to poor health and mismanagement accrued nearly {$1900.00} in late fees. I asked for any amount to be waived. The board of directors was gracious enough to waive {$500.00} within a few days. I called numerous times to thank them and even emailed them. I called and asked On numerous occasions during the month of XX/XX/XXXX is I had to pay the late fees and what would happen. 

All of the representatives I spoke stated that there was no regular payment required, I could pay them at a later time and that all that would happen would be is that they would keep my title until the late fees were paid. I also used the contact feature on their webpage to tell them not to charge me a late fee on a late fee. Santander was still showing that I had my regular car payment due even though I had paid all principal and interest. 

XX/XX/XXXX we received a bill for {$.00} which we paid. On XX/XX/XXXX I began to receive notices from XXXX XXXX that Santander was placing 30 day late notices on my credit report. I thought for sure it was an error because the car was paid off so I just disputed it. My credit rating dropped 70 points almost disqualifying me from a business loan I am trying to take out for a veteran owned business. A new 30 day late was posted on my credit. I called Santander and emailed and sent messages through XXXX wondering what they were doing. For days they strung me along saying they would get back to me. 

On XX/XX/XXXX at XXXX I was contacted by XXXX XXXX who began angling the conversation to the point that I was not told by the agents that I didn't have to keep paying my late fees like my regular payments ( which I was ), that it was my fault this was happening ( yes the late fees but not the hit on my credit ). XXXX brow beat me by asking the same questions over and over like the detectives I used to work with, trying to get a confession. I gave up and stated to her that I was getting a lawyer for Santander ruining my credit. 

I was sent an acceleration letter for {$0.00}. The letter stated that if I did not give them {$0.00}, they would accelerate my loan or repo my car. Now My XXXX  score dropped 124 points in one day because they closed the account unexpectedly with a balance instead on reaching out. I took the money to pay them out of my life saving so they wouldn't continue to harm my credit.
Consumer complaint received 2023-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

I was transferred to Mohela... they asked me to set up a new account so I attempted and got an error message. On the error message page it says " contact us '' with this reference ID. When you click to contact them and go through the hoops .... they will not let you contact them via web without logging in, which I can not do in the first place, that is the error. So I call the number... the number after waiting 10 minutes to hear the spheel about how you can access all these things online I finally get the option to choose a number to get help. They say it's a 71 minute wait. But! I can get a call back, so I choose that option. Before I can say " yes '' to confirm my phone number the auto voice immediately says " im sorry I didn't catch that '' and puts me into the que without any other chances to get a callback. It feels like they are intentionally limiting their contact options and putting folks through an outrageously long wait time in hopes that they will just give up and not have to be contacted. It's really not accessible to have that broken feedback loop on the website in terms of contacting. 

I also went to get feedback on studentloan.gov and the feedback page for that site is also down .... it just seems so suspicious to me that there is no way to flag these very apparent contact issues.
Consumer complaint received 2019-03-06
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Motors Financial Company, Inc. (FL)

On XX/XX/2019 at XXXX XXXX I received a phone call. I wasnt able to pick up the call, but saw that I received a voicemail at XXXX for 28 seconds. It was a female stating to please call back before XXXX and said to call this number ( XXXX ) XXXX. I originally called the first number I received which was ( XXXX ) XXXX. I spoke to a male agent and I provided him my social to look up my account and he asked me if the person who left a voicemail had provided an extension or account number, I said no. He checked my first account and said its in good standing and doesnt understand why I was called. He then pulled up the other account which I initially provided a court order judgement signed by a FL Judge stating that the vehicle is not my responsibility to pay, only for the other vehicle which I am still paying. 
The agent advised me that the second account has a legal status and therefore, they were not able to attempt to make a call in regards to that account.
Consumer complaint received 2019-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc. (CA)

I have a {$1000.00} loan with XXXX XXXX XXXX that was initiated on XX/XX/2019, with my first payment being made on XX/XX/XXXX. The payments are extremely high and extremely frequent. They call it an installment loan but in effect it is a payday loan that circumvents the California {$250.00} limit on payday loans because they are a XXXX XXXX XXXX. However, they still collect payments on paydays rather than monthly. At the start of the repayment plan, each payment every 2 weeks surpasses {$300.00}. I knew this when I accepted the loan and knew money would be tight however I'm reaching a point where payments of this frequency are going to cripple me. I've had to miss work to get dental work done. A monthly payment at a lower amount would be much more manageable for my current financial situation. Otherwise I don't know what's going to happen in the next month. These payments could spiral me into inescapable debt, largely due to the biweekly collections resulting in over $ XXXX/month due. I simply can't afford this right now, but I want to avoid defaulting. I don't want to be in a situation where I'm taking out further loans just to pay this one loan back. I need help.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was 27 points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped 36 points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped 36 points was because on XX/XX/2019 XXXX reported to all three agencies that my student loan balance increased by {$3100.00} and then XXXX on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call XXXX and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why XXXX reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the 36 point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the 36 points even if XXXX  fixes the mistake. 

XXXX inaccurately report on my credit reports and why no one has caught this. The 36 point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.
Consumer complaint received 2019-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

I have written several times asking for VALIDATION and PROOF that I applied for and own. XXXX XXXX credit card. I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX   on behalf of XXXX XXXX. 

If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has failed in correcting all 3 credit bureau 's pretaining to my mortgages.they have lied and lied over again since XX/XX/XXXX one month after I had the U.S. bankruptcy court in XXXX XXXX XX/XX/XXXX to re open my bankruptcy case of my reaffirmation that the judge made them sign and file by XX/XX/XXXX XXXX has only reported to XXXX  reporting agency.they lied about reporting payments to Transunion, & XXXX.these reporting agencies and I have been discussing this issue since XX/XX/XXXX is when XXXX XXXX was ordered to start reporting my payments and add my mortgage payments back onto the tradeline.XXXX has cause me a great deal of mental stress and they need to be seriously sued in a court of law.XXXX XXXX knows I'm trying to refinance my home in XX/XX/XXXX and they are blocking this from happening with another Lender ... they need to be seriously fined by the CFPB.as soon as possible.they are big Lyers.
Consumer complaint received 2019-02-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (NV)

On XX/XX/19 I applied for a loan in the amount of XXXX. I was approved and fully intended to payback the loan. I however, just lost my job and was told about a health issue and to top it all off the bank account I did have was closed. I am to embarrassed to talk to the company as it has really made me distraught. I have in the past worked with them and was able to pay off the loan quickly, I won't apply for another loan with them since I am unable to pay this one back. I am due to pay back my loan XX/XX/19 for the amount of XXXX and will not be able to pay this payment or the next three for the same amount on the same dates.
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

It has been 6 weeks, and I am still waiting for any answers and reimbursement for fraudulent checks that were cashed using my checking account at Citizen 's Bank. 

I believe I should have at least received a full interim credit ( provisional credit ) within 5 days of my claim, pending the outcome. I did not. I believe this is in violation with banking laws. I also believe the bank is in violation of the Fair Collection Practice, as collection practices are illegal while there is an open claim. 

Here is a full account of what happened. Documentation is also provided. 

A fraudulent check was cashed XX/XX/19 using my checking about information. This brought my account to {$0.00}. I immediately filed Claim # 1 to report fraud and closed the account to prevent it from happening again. A week later on XX/XX/19, another fraudulent check was cashed using the SAME bank account that was supposedly closed, bringing my account now negative hundreds of $ $ . I  immediately filed Claim # 2 to report the fraud and ask how this was possible even though the account had been closed? The banks repression was that the account had not yet been purged from the system, and they would put it in a credit only status on it to prevent it from happening again. Why had the account not been put in credit only status to begin with? I was told that Claim # 1 and Claim # 2 would be addressed within 6-8 weeks. 4 weeks later, I received an affidavit in the mail to sign. I thought this was part of the process, so I signed the paperwork and mailed back immediately. 6 weeks from XX/XX/19, I called to check the status of the claims, and they said they had just received my affidavits and would begin working on the process. After 6 WEEKS. In the meantime, my account was hundreds of $ $ $ in negatives. In the meantime, I received an alert that a deposit had been made into my checking account. I thought this was the reimbursement, but quickly found out that the money in my savings account had been moved into my checking account to correct the overdrafted negative balance of the checking account! I called the bank, where I was referred to the Collections Department. They apologized for the mistake, saying that the Fraud Department had not communicated my claims to them. I asked them to correct the problem immediately, because I now had NO money at all left in either my checking OR saving accounts now. They said the best they could do was 48 hours. I waited and my money was returned the next day. However, there was no excuse for this, especially after my original hardships. This is illegal according to the Fair Collection Practice. 

At 6 weeks, I am still waiting to reimbursed for the fraud with no updates from the bank. This has caused me and my family extreme financial and emotional hardship. I am considering filing a lawsuit against the bank.
Consumer complaint received 2019-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DE)

Two accounts with XXXX XXXX XXXX that show in collections on my experian reports were just updated instead of being deleted. I contacted XXXX XXXX XXXX and we both agreed to a pay to delete for the two accounts. I submitted this information to experian, proof of payment, letters from the company agreeing to remove the debt because it was paid and experian has only updated the balance of the collections not removed them from my credit file. I want them removed immediately.
Consumer complaint received 2020-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

WHATS IN YOUR WALLET? 

Only half of my money, because Capital One failed to protect my checking and savings accounts! And refused to reimburse me for {$10000.00} of unauthorized, fraudulent withdrawals. 

On Saturday, XX/XX/2020, I received a text message from Capital One asking if I had authorized a {$100.00} payment to XXXX XXXX. At the time, I did not know what XXXX XXXX was. I went to my online statement and realized that there were approximately 98 unauthorized transactions on my accounts, in the amount of {$22000.00}! About half of these transactions were labeled Mobile Debit Purchase XXXX XXXX XXXX sent XXXX XXXX CA. Then the other half were labeled XXXX Payment Sent to XXXX ; which I later learned was some sort of XXXX payment. I have never opened a XXXX acct or used one.

I immediately filed claims with Capital One.

After notifying all 3 credit bureaus, I found out the cybercriminal had tried to open accounts, in my name, with XXXX, XXXX and XXXX. These accounts were shut down and extra protection measures were implemented on all of my credit cards and accounts. 

Also, on XX/XX/XXXX, I filed a police report with the XXXX XXXX County Sheriffs Department and emailed it to XXXX. Detective XXXX XXXX took my case, started an investigation and sent out subpoenas. I continued to make phone calls to XXXX XXXX Claims Department and Security/Fraud Department, pleading my case and trying to recover the money that was stolen from me. I was repeatedly told, They were still investigating. 

Finally, on XX/XX/2020, I received a partial refund check in the amount of {$11000.00}, for the XXXX XXXX claims. Capital One still refused to pay the additional {$10000.00}, for the XXXX claims. I cited what I thought were my federal rights to the representative of Capital One, to no avail. If someone makes unauthorized withdrawals to your bank account using your debit card number, you are not responsible. 

Then, on XX/XX/XXXX, Det. XXXX said he had spoken to XXXX XXXX at Capital One. They discussed cracking the case. Apparently, there was a woman in XXXX, XXXX, that had committed these cybercrimes. Capital One had telephone recordings of her pretending to be me! XXXX said he would reopen the case and continue investigating. 

I continued to call Capital One for updates and a possible resolution. On XX/XX/XXXX, I was told none of the recent police reports had been entered into their system. And on XX/XX/2020, I was told XXXX, the investigator for Capital One ( XXXX-XXXX  # XXXX ) said the case was closed, that was the final decision and that I had no recourse! 

So, I am reaching out to you because Capital One has closed my accounts and will no longer communicate with me. Please help me recover the {$10000.00} that Capital One owes me.
Consumer complaint received 2019-03-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NV)

Freedom Mortgage Corporation sent me a loss mitigation package I have sent them duplicate request proof of hardship papers proof of disabilitys etc XXXX XXXX Tracking Numbers etc a total postage totaling {$360.00} I have dotted all I 's and crossed all t 's every time I send one thing they state I am missing another, they generate another exscuse duplicating request I Believe causing much confusion they send out investors to my home RECENT XXXX sitting in front of my house taking pics ( GUN POINT SUSPICIOUS ACTIVITY ) caught on close circuit TV gentlemen stated he was in the Investor Pool and wanted to know if interested in letting it go CASH MONEY Freedom Mortgage obviously gave out new recent phone number to residence and getting 5 to 6 call a  day asking me to sell this has been going on since XX/XX/XXXX On XX/XX/XXXX @ approximately XXXX XXXX  Operator @ XXXX Recorded XXXX states now she wants to regulate Deposits on boarder I have already submitted she was very rued Freedom Mortgage Is violating the guide lines of the FHA RULES and claiming I am not complying as well I feel there pulling Insurance scams