davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (NY)

In XX/XX/XXXX, I suffered a XXXX resulting in several long-term hospitalizations. As a result, my income inevitably decreased and I've been struggling to make payment due to this fact. I've done the best that I can to make partial payments and work with Regional Acceptance to keep my account active. Most recently, I submitted and received a deferment of 60 days on XX/XX/XXXX ( deferment ID : XXXX ). This deferment was agreed to bring the account current. I subsequently made a payment of {$890.00} on XX/XX/XXXX, covering the month of XXXX and XXXX. The account was to be current. On XX/XX/XXXX, while I was in the hospital, I was notified via my security system that my car was repossessed. This is extremely concerning, as I've put my money into paying the two months to bring this account current to avoid this from happening. I need my vehicle in order to drive to my follow-up medical appointments and post-op procedures. This repossession should not have taken place, and this is the worst experience that I've ever had with an auto lender. I do not have the means to pay repossession and storage fees, and shouldn't have to, since I was told the account was current after my deferment and double payment. I am set to return to work in XXXX, and would then be able to make payments as agreed, but I won't be able to return to work without a vehicle. Regional Acceptance has not offered to work with me in resolving this matter.
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc. (TX)

This complaint is in regards to a debt that has been placed on my XXXX credit report. I have sent letters to EOD CCA at XXXX XXXX   XXXX., XXXX, MA XXXX lasking them to provide me with a copy of a SIGNED copy of a contract exclusively between me, XXXX XXXX, and EOD CCA, stating a contract for repayment. This debt was originally held by XXXX XXXX. To this day, I still have not received these documents. Every time I request this documentation, they send me a statement. I have sent letters to this company on the following dates : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 And XX/XX/2019. I still have not received a response.
Consumer complaint received 2021-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (MD)

I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX. The finance company was XXXX. After a few months, my loan was acquired by Santander. After paying for years, in XXXX Santander indicated that I still owed approximately {$8000.00} on the XXXX XXXX. My last payment to Santander was XX/XX/XXXX. I do believe at that time, I requested an audit of my account, because I was still paying for a vehicle 10 years later. I did not receive any additional information from Santander until XX/XX/XXXX, when they reposed the vehicle and stated that I owe them approximately {$10000.00} on the XXXX. I would greatly appreciate any assistance you can render. Thank you.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This XXXX  XXXX closed account ( last four XXXX ) is showing 10 years and 3 months old and should have been removed from credit report
Consumer complaint received 2021-03-30
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: Experian Information Solutions Inc. (CA)

Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy. Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification. The Phone and Fax numbers of the Individual or Department from whom you obtained this information. Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA. Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy. You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A. 1692g ( b ) dispute and 30 days to provide the information requested above. If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.
Consumer complaint received 2021-03-30
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. (CA)

Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy. Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification. The Phone and Fax numbers of the Individual or Department from whom you obtained this information. Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA. Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy. You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A. 1692g ( b ) dispute and 30 days to provide the information requested above. If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

- XX/XX/2022 : Opened tiered bonus checking account under invitation # XXXX. 
Deposited required funds within 20 days of opening account {$300000.00} ( see attached ) - XX/XX/2022 : Received email confirmation of enrollment into Bonus program. ( see attached ) XX/XX/2022 : Balance on XXXX day {$300000.00} Maintained the required Minimum balance of {$300000.00} for the required 60 days. 
As per the program rules ( see attached ) the cash bonus of {$2000.00} should be paid within 30 days of completing all the activities. ( see attached statements ) - XX/XX/2022 : Filed a case # XXXX to determine when bonus would be paid on funds deposited. Was told by customer service representative that the bonus would be paid and reflected by XX/XX/2022 and the case should be answered within 5 business days. 

- XX/XX/2022 : Called and spoke to a customer service representative on the new accounts team by name of XXXX that advised XX/XX/2022 was actual date bonus would be paid and reflected in our account. XXXX indicated she would call us on the XXXX to confirm funds were in account and accurately reflected which she never occurred. 

- XX/XX/2022 : Checked account and funds still not reflected and never received follow up call form XXXX as committed. 

- XX/XX/2022 : Called new accounts team again and asked to speak to manager was connected to XXXX employee ID # XXXX who indicated this issue was sitting with the promotions team for review and investigation but there was nothing more he could do. Advised XXXX all terms and obligations required by the terms of the program have been met which he confirmed but he couldn't explain why this was not paid. Advised him was told I would receive follow up 5 business days from point case was filed which was on XX/XX/XXXX and to date we have not received one phone call or email correspondence. XXXX indicated there was no other management this could be escalated to and that I would simply have to wait for the promotions team to contact me. I advised XXXX there were no delays or obstacles when I opened account and made deposit but now Citi has to deliver on their promotion and financial commitment there are all kinds of delays and stall tactics. Advised XXXX I would be filing complaint with CFPB and he indicated he would encourage it. Also, noted that when I called automated system when selecting option for new accounts you immediately get connected to customer service rep in US within 3 minutes or less but when calling and selecting option for dispute wait time is elevated to XXXX minutes and your call is routed to an offshore call center where those individuals don't have access to details of promotion program. XXXX offered no response on this point and indicated I would need to wait for call or email from promotions team.
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery Solutions Group, LLC (MD)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Recovery Solutions Group XXXX XXXX Wy, XXXX, DE XXXX Re : XXXX XXXX XXXX : XXXX Dear Recovery Solutions Group : Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and anyone else, concerning any and all alleged debts you contend I owe. 

My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner as well. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Consumer Financial Protection Bureau and the Maryland 's Attorney Generals office and civil claims may be pursued. 

Thank you for your cooperation in this matter. Attached to this complaint is also a dispute letter, and a notice to furnishes. Your corporation with the FBI, CFPB, FTC is greatly appreciated. The proof you've sent over isn't sufficient according to the standards set-forth. The document shows it was signed in NY, not from there, nor never been there. The email on the application isn't even real, doesn't have a XXXX report anywhere. The bank statements also come on, that's my husband 's name he only has a XXXX  account, no lender should ever take XXXX. This actual business didn't even generate any revenue, or even open up because he's mentally XXXX for XXXX XXXX. The ID scan, that's not my actual ID it was lost about 2 and a half years ago. If any WRITTEN COMMUNICATION IS NECESSARILY NEEDED PLEASE ONLY SEND IT TO THE ADDRESS ON THIS LETTERHEAD! 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Funding, aka XXXX XXXX XXXX, XXXX XXXX XXXX, Midland Funding LLC and Midland Credit Management has done Hard Inquiries on all Credit Bureaus, i.e. XXXX XXXX XXXX and XXXX every year since 2008. I was informed by XXXX that all of my information while I was in the hospital had been hacked and stolen. Identity theft.. I then started reviewing my credit reports. I found out that every year since then Midland using different a.k.a has been monitoring accounts from banks that have I've disputed with the credit bureaus regarding these charge accounts that were closed, written off as a lost, reported to the IRS for tax credit, Midland then buys these dead account, charging triple what the reported amount, charging legal fees, assuming these debts as their own, making motions of DEFAULT REQUEST, AFFIDAVIT ENTRY, AND JUDGEMENT ( SUMCERTAIN ) in State  of Michigan XXXX XXXX XXXX XXXX XXXX that is not my District. MIDLAND CREDIT MGMY, XXXX XXXX XXXX, XXXX XXXX, CA ( No phone number listed ), MIDLAND FUNDING LLC is ( listed as a Loan Agency for Homes ) c/o Attorney XXXX, XXXX XXXX XXXX XXXX., LPA XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX MI XXXX has been garnishing my Homestead Taxes Refund for two years. I spoke with XXXX because Midland put a negative report on my Credit File never stating that they stole my Senior Citizen Homestead Tax return that is meant for low income XXXX senior citizen to assist in paying their property taxes. I was placed in a homeless position because of MIDLAND XXXX. I XXXX  a report about this company that preys on senior citizens, XXXX and below Federal income standard. Midland stole from me a total of {$640.00} and falsified court document case numbers.They never reported the debt was paid off or that the report was under litigations.I Disputed that this be deleted from my file. I have been denied credit because of MIDLAND XXXX   They took {$110.00} of my Homestead Tax Refund this year. Please monitor these Hard Inquiries that lower my Credit Score and have no authorization to inquire. I had no business association with MIDLAND XXXX.Refund my refund
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

On XXXX I got an escrow letter from my mortgage lender ( Ditech ), as soon I saw the letter I knew it was not right. My payment was going to be really high and I noticed they didn't credited some payments to my escrow due to a lower hazard insurance and a returned check for {$1600.00}. I called Ditech and fought many times for an escrow analysis. By the end of XXXX nothing had been resolved it despite 4 escrow analysis had been made. on XX/XX/XXXX XXXX I got an escrow analysis which I agreed with the numbers. The new monthly payments was going to be {$920.00}. I saw all adjustments and credits. but the problem continued I asked Ditech to send me an statement with the right amounts which todays date they never did. every time I got my monthly statement come with different numbers. its been a night mare because when I call costumer service they agree with my number but in paper is totally different. I had spoke with many Ditech supervisors but the problem continues. one time they tried to charge me a late penalty. I called them and they avoid it. I am glad that I have a little education that helps me to see and recognize when something its not right but Ditech don't assume its responsibility and fix the problem. now Ditech sold my loan to XXXX. XXXX  send me a welcome letter with different monthly payment ( {$1000.00} ). I am worry because Ditech did not fix the problem and transferred me with wrong number. Can you see how the problem continues. when I talk to Ditech supervisors on the phone they say everting is fine but in writing is totally different. I just want to pay what legally I am entire to- no more no less. but I need all these in writing. its been almost a year and the problem persist. I wish I can write all issues Ditched Financial LLC created but my XXXX   is limited. Many time they try to force me to pay what they have on the statement. Many time came to my mine that I will lose my house because I will not have the monthly payment to cover it. when a CFPB representative contact me I will submit all evidence I have.
Consumer complaint received 2019-05-07
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: EQUIFAX, INC. (MO)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 - 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Ive reported my card ( XXXX ) lost to Capital one and charges to be removed. 
Capital one initiated a investigation and removed only some of the charges. 
I spoke to them on XX/XX/2019 and they stated that decision final with I can not accept.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

My payments are automatically sent to LoanCare every month. In the beginning of XX/XX/XXXX, LoanCare did not credit my account with these payments.

I called LoanCare and the representative found the error in the administrative system. He indicated that the payments were applied to XX/XX/XXXX rather than being applied to XX/XX/XXXX. He said he would fix this error. He said he would refund the fees that were charged and call me back to assist with a dispute made through XXXX. I never heard from him again. 

I was charged late fees which need to be returned to me. I also filed a dispute with XXXX regarding my credit rating. I have heard nothing from Loancare. This error has taken a huge hit on my credit. It needs to be resolved. 

PLEASE SEE ATTACHED : Screen Shots showing payments made to LoanCare, detail of XXXX payment, XXXX credit report
Consumer complaint received 2021-03-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Good morning, Please see my attached letter to Fifth Third Bank ( mailed via certified mail on XX/XX/2021. ) The letter details my complaint, the lack of response from Fifth Third, Fifth Third 's loan servicing practices, etc.

The main issue is how can Fifth Third send me a monthly statement on my home equity line of credit and my payoff balance be so radically different from what appears on my statement. I really question the legality of this along with the fact you can never reach a live person at Fifth Third Bank that can answer any of your questions. 

Secondly, it took me over 4 months to get 3 old liens released from the title record on the property. These were old mortgages from XXXX that I refinanced with Fifth Third! They could not reconcile their own record-keeping for 4 months!

Please see attached letter to Fifth Third along with my last 2 monthly statements, the payoff letter for my home equity line of credit and the transaction history Fifth Third mailed to me. Please do not hesitate to let me know if I may provide you with any additional information. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Borenstein & Associates, LLC (CO)

My complaint is with Borenstein & Associates , LLC Mr. XXXX Borenstein # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Phone # is XXXX Mr. XXXX Borenstein brought a falsified document into court claiming I had been legally served papers by his company back on XX/XX/XXXX of XXXX. Unfortunately They delivered the papers to some stranger at a job I used to work at over a year ago. Without properly confirming I had received the notice to appear Mr. XXXX Borenstein proceeded as planned with his corrupt practices. 
Mr. Borenstein is in direct violation of the FDCPA ( Fair debt Collection Practices Act ) Section 15 USCS 1692e : False or Misleading Representations ( 5 ) The threat to take any action that can not legally be taken. ( I was never served any papers. Mr. Borenstein just dropped papers off to some stranger at a job I have not worked at for over a year. Per Colorado Law and this code, I was never legally served, and he can not threaten to garnish any wages of mine which he is. ) ( 10 ) The use of any false representations or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( Mr. Borenstein used Deceptive Practices when not legally serving me papers prior to court and lying to a judge so he can fast track this case to illegally take advantage of me. ) ( 11 ) The failure to disclose in the initial written communication with the consumer. ( The first communication I received from Mr. XXXX Borenstein 's company was a threat from him to garnish my wages received on XX/XX/XXXX. ) This is just what I was able to find in the first 10min of researching this topic and how I can handle this situation. If Mr. XXXX Borenstein would like to proceed with this the legal way he should come serve me papers the legal way and I would be more than happy to participate in his investigation. But until then this is harassment and an illegal attempt to sue me!
Consumer complaint received 2021-03-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

WORST experience of my life with a bank resolving THEIR mistake. Put a cashiers check for my landlord in who knows whos account. Claimed it was corrected but REFUSED to give me a corrected receipt for the deposit. Branch manager refused even when I asked can you just type up a letter on your letterhead stating correct amount and account and again she REFUSED!!! This is your mistake and this is your way to fix it for a customer???? Disgusting. I will share this experience on social media daily How do you REFUSE to proved a corrected receipt for a deposit to a customer when you all messed it up to begin with????????? 
All I have is a persons word its fixed??? What if a month later the landlord claims they never got it. How do I prove it without the corrected receipt?????