davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-14
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: McCullough Payne & Haan, LLC (GA)

I wanted to choose both options above, which are : Sued me without properly notifying me of lawsuit and sued me where I did not live. Meaning, they sued me in a county where I have never lived at. I got the case file from the county they filed in. I was never served and it states it in the paper work. 


Let me tell you about this practice this company has with filing garnishments and lawsuits in different counties, so that the person that they are after does n't have a chance to respond, answer, or show up in court on a court date they were never notified about. Yes, that is me. The only reason I was notified about this garnishment is because my job notified me. Please keep in my that my job tried to stop the garnishment because they have been doing this for a few years now. They then threatened to go after my employer. They are acting on behalf of GMAC which is now XXXX XXXX. We spoke with them and they told us that they are acting in an illegal matter. We have consulted with an attorney. They acted illegally by first filing a lawsuit in XXXX XXXX that we have never lived in. We went down to XXXX County to get the entire case file. They have never filed in XXXX county that we lived in. No one has ever served us at all. This is n't about whether we owe a debt or not from 11 years ago. This is about their practices. We have also filed a complaint with the consumer agency in georgia. We have mailed a demand letter to XXXX County, demanding that they cancel this garnishment and our reasons why. We have faxed a copy of this letter to the Law firm/collections agency as well. We received notification that the fax succeeded. We also sent a letter to them as well. Lastly we have filed a complaint through the attorney generals office. We are also prepared to file a civil suit demanding that wages that have been garnished, be repaid, if it is n't stopped immediately. You can not go around illegally garnishing wages through illegal procedures. Our attorney says that we have a very good case and that they are in violation of the fdcpa as well on how they went about collecting this debt. If they want to contact me, they can. Not regarding collecting this debt though. This is regarding how they can avoid legal action period. My phone number is not for them to call me trying to collect this debt either.
Consumer complaint received 2016-06-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (VA)

Reviewing the payment history of my vehicle which was totaled XXXX XXXX 2016 ... ..I was concerned about the XX/XX/XXXX payment being returned due to the fact I paid it early, but totaled the vehicle before it was due. While looking into that I noticed inconsistent application of my monthly Principal and Interest payments by the lender. If someone could review this history and determine that I was caused no harm in that my payments were in some cases not applied to my principal balance ( not even in part ) causing my payment to not change ( decrease ) ... then I ask for this to be corrected and me to be reimbursed.
Consumer complaint received 2016-06-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services of XXXX, MA XXXX XXXX XXXX XXXX. Called on XXXX/XXXX/2016 to settle an account. Amount owed was {$74.00}. Offered to settle for 50 % of the balance. They agreed. The electronic check they took over the phone cleared the bank on XXXX/XXXX/2016 was for the full amount instead of {$37.00}. Called on XXXX and they offered to send me a check for the difference. This is an outrageous practice of charging the full amount after having to agreed to a lesser amount and then I have to XXXX them to recover the difference. I 'm guessing this is against the law.
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CT)

Hi - I am writing to complain about false advertising regarding a promotion to open a CitiGold Checking account. In XXXX I was offered a promotion via mail that I would receive XXXX AA Advantage Points ( XXXX XXXX XXXX XXXX is worth around {$500.00} ) if I opened a CitiGold Checking account using code XXXX which was entered upon opening the account online. After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. I then met the requirements that I spend {$1000.00} in purchases during first 60 days and set up XXXX qualifying Bill Pay. 

I also confirmed with Citi representatives both that I met qualifications to be enrolled in the offer ( XXXX/XXXX/XXXX ) and that I had completed the requirements and should be receiving the points within 90 days of completing the requirements ( XXXX/XXXX/XXXX ). I have PDF 'd records of these chat conversations but threw out the original targeted offer. 

On XXXX/XXXX/XXXX I reached out via chat saying that my points have not posted and wanted to confirm I would be receiving them. I was told that an investigation will be opened. 

On XXXX/XXXX/XXXX I received a letter stating that my account promotional offer would not be given because there was not a targeted offer on my account even though I confirmed via call/chat that I was eligible for the offer and had met the requirements. I called Citi back and spoke to a manager that said that they would open another investigation and I would hear back by XXXX/XXXX/XXXX. It is past that point and I have not yet heard back. 

I have called numerous times and got nothing but a run-around. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since XXXX and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. 

I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. I can provide PDFs of the chat records if need be. 

Thanks, XXXX
Consumer complaint received 2016-06-14
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: McCullough Payne & Haan, LLC (GA)

I wanted to choose both options above, which are : Sued me without properly notifying me of lawsuit and sued me where I did not live. Meaning, they sued me in a county where I have never lived at. I got the case file from the county they filed in. I was never served and it states it in the paper work. 


Let me tell you about this practice this company has with filing garnishments and lawsuits in different counties, so that the person that they are after does n't have a chance to respond, answer, or show up in court on a court date they were never notified about. Yes, that is me. The only reason I was notified about this garnishment is because my job notified me. Please keep in my that my job tried to stop the garnishment because they have been doing this for a few years now. They then threatened to go after my employer. They are acting on behalf of XXXX which is now XXXX XXXX. We spoke with them and they told us that they are acting in an illegal matter. We have consulted with an attorney. They acted illegally by first filing a lawsuit in a county that we have never lived in. We went down to XXXX County to get the entire case file. They have never filed in our county that we lived in. No one has ever served us at all. This is n't about whether we owe a debt or not from 11 years ago. This is about their practices. We have also filed a complaint with the consumer agency in georgia. We have mailed a demand letter to XXXX County, demanding that they cancel this garnishment and our reasons why. We have faxed a copy of this letter to the Law firm/collections agency as well. We received notification that the fax succeeded. We also sent a letter to them as well. Lastly we have filed a complaint through the attorney generals office. We are also prepared to file a civil suit demanding that wages that have been garnished, be repaid, if it is n't stopped immediately. You can not go around illegally garnishing wages through illegal procedures. Our attorney says that we have a very good case and that they are in violation of the fdcpa as well on how they went about collecting this debt. If they want to contact me, they can. Not regarding collecting this debt though. This is regarding how they can avoid legal action period. My phone number is not for them to call me trying to collect this debt either.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In trying to lift a credit freeze from Transunion, I submitted what I thought was a request to control that freeze process. It turns out, though, that this was a credit *monitoring and alert* service. I gave them a credit card number for payment. However, the site had nothing to do with my credit freeze, which required a separate log-in and payment schema. Then I started receiving {$20.00} charges each month from Transunion for this service. Apparently I had signed up for a trial period and the regular payments started. Exceptionally frustrating and shady.
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

Pnc bank is trying to take my funds stating I have an outstanding balance from XX/XX/XXXX. I opened this account in XX/XX/XXXX. I have a previous account with pncb an that was closed because pnc bank had fraudulent practices which forced the consumer to pay extra overdraft fees. A class action suit was filed and pnc bank settled. These fees were reversed and everyone who submitted a claim was rewarded. I have not received one notification from pnc bank that referred to any outstanding balance. This outstanding balance is due to fees from that old account. Since XX/XX/XXXX, pnc bank never sent one notice nor have a received any notice from any collection agency on their behalf. I was in the XXXX XX/XX/XXXX and applied to receive unemployment compensation which I setup to go into this account. On XXXX XXXX, XXXX, XXXX deposited the funds into my new pnc account. On the same day, pnc closed my account because " I had a XXXX balance for one month ''. I called pnc bank to resolve this issue on Monday, XXXX XXXX, XXXX. I was told the account was closed and why. Pnc reopened the account but stated a had an outstanding balance from XXXX. I explained to them that that old account was apart of a class action suit and I did n't not owe these fees. Also, as previously noted, pnc bank never notified me previous to XXXX XXXX, XXXX that there was an outstanding balance in question. There has been no detailed accounting of what I owe these fees for but pnc bank is trying to apply my XXXX funds toward rhus XXXX balance. I opened this account in XXXX XXXX and have had many deposit into this account. If there was a balance in arrears, why was n't it applied between XXXX XXXX and now. They could have gotten this number from anywhere. They are either trying to collect on these accounts they lost in a settlement or they are outright trying to defraud the consumers.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Bankruptcy — 
Company: AMERICAN EXPRESS COMPANY (NV)

In 2014 I became unemployed and XXXX Credit cards through XXXX XXXX began collection efforts on my past due account. I called them and tried to work out a plan to get current, however they sent the account to XXXX XXXX XXXX XXXX. I filed for Chapter XXXX bankruptcy because many creditors would not work with me, and closed my account. However, XXXX XXXX continued to badger me for payment, I agreed to a payment plan because they harassed me. I found out later that in bankruptcy they must stop calling and all collection efforts. XXXX XXXX and XXXX both were notified of my bankruptcy and that I represent my self, they were sent the notices of hearings and did not attend any of the hearings, they would not reaffirm my account and keep it open and XXXX refuses to stop the collection automatic debits they harassed me into accepting. I have stopped payment with my bank, but they change the amount of collection and the debit goes through because the amount does not match exactly. I have written them of this bankruptcy, called them about these payments, they are rude and tell me to call back the next day to talk to an analysis, the analysis is not reachable they keep me on hold for upwards of 20 minutes and I call again and get the same treatment. This company is taking payments from me even though I have notified them of the bankruptcy, they refuse to stop or return the money taken against the law of bankruptcy. I have reported them to the bankruptcy trustee, but I still get no results. What do I do to stop this harassment, on the phone they tell me that they do n't have to stop the payments and that I must have a lawyer call them, I explain I represent myself, but that does not matter to them.
Consumer complaint received 2016-06-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX, 2016 Wells Fargo, Home preservation department ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Partial account number is XXXX I just wanted to let you know that I am in the process of having a square foot is your appraisal done on my home. The PA licensed appraiser will be coming out on this Saturday, XXXX XXXX, 2016. I have disputed your findings reported to the CFPB, and once I have received the square footage appraisal from the appraiser I will forwarded and forward it to you. 
At the end of the day my outlook for this situation for me is to get my house appraised properly so that when the transition of either foreclosure, short sale or deed in XXXX of foreclosure happens, I will have a true and correct value of my home, And not have to walk away owing you more than what the property is actually worth after it is sold.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I had applied for a Macy 's credit card on Macy 's store on XX/XX/XXXX. After it was approved online on the store on that same day, I was able to make a purchase on store with those details. But I did not receive the card yet and was told it would reach to my residence soon. But it never did. I had called Macy 's customer care numerous times and was told due to some logistics issue the card was lost in transit and I 'll receive the replacement card soon. But I never reached to me. However, I made online payment on XX/XX/XXXX from XXXX XXXX for that store purchase. But on XXXX account, the transaction was showing towards Citibank, so I cancelled it later thinking a fraud transaction. But after couple of days, when I called up XXXX I realized it was a Macy 's Citibank card . So I requested XXXX to re-send the transaction. As a result, XXXX debited the amount of XXXX again from my account. So basically there were XXXX debits and XXXX credit in my XXXX bank account for the same amount of XXXX which gave me the impression that the charges were successfully credited to Macy 's Citibank account. Later when Macy 's confirmed they had received the amount on XX/XX/XXXX, I had closed the account because I never received the card till then. However, on my surprise I got bill from XXXX on XX/XX/XXXX that XXXX did not re-send the amount after they had withdrawn it initially. So I called up XXXX bank again and requested them to re-send the amount. They confirmed they had successfully re-send the amount to Macy Citibank. 
But when I contacted Macy Citibank, they said it would take 2 billing cycle to reflect it in my account. But now even after 3 months, Macy 's account is still showing up the charges and they are saying they have n't received the money. I do not how to resolve this issue and I 'm really frustrated because XXXX says they have transferred the money but XXXX Citibank is saying they have n't received the amount. On top of this, Macy has complained to Credit Bureau marking it as Delinquent account. As a result, my credit score has dropped more than XXXX points and has gone from XXXX to XXXX. Please help me in resolving this issue at the earliest!!
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On around XXXX XXXX, 2016, I paid off my XXXX XXXX credit card and asked XXXX XXXX to close my account and to report to the major credit bureaus that it was the consumer who requested that the account be closed.. XXXX XXXX confirms that the payment was made and my account is closed. However, Trans union credit bureau is showing a balance of {$4800.00} which is adversely affecting my credit score. Trans Union also reported on my credit report that my last payment of {$130.00} was made on XXXX/XXXX/16 which is incorrect. The last payment was made on XXXX/XXXX/16 prior to me paying off the account on XXXX XXXX, 2016.
Consumer complaint received 2016-06-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (MD)

XXXX continue to bill me after I have discontinue their service and returned their cable boxes to them. When I called them, they apologized to me and said that I will get a refund of {$46.00} in the mail. Instead, I got a letter from their Collectors.
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AZ)

XX/XX/XXXX upon signing up for a gold checking account I called Citibank to verify if I am eligible for the signing bonus XXXX XXXX points if I meet all the requirements. I was told yes I will receive the promotion offer. Right after the requirements were met I chatted online with an agent again to verify if they were met, and I was assured by the agent saying yes ( I have a copy of the conversation - XXXX : at XXXX XXXX, the bonus points will be credited into your account within 90 days. 
XXXX : at XXXX I request you to wait. 
XXXX : at XXXX You will receive the confirmation message from our end regarding the points when they are going to credit. 
XXXX : at XXXX Rest assured. ) A month later I called again to check on the status and a male representative said the same thing and asked me to wait for 90 days. And a month later I called again and the rep. said she will make a request and send me an email, but I never received the email. 
Today it 's been over 4 months since I signed up for the account. So I talked with an agent online about the promotion offer. She then told me that I am not eligible for the offer. 
I called 3 times and talked online with at least XXXX other agents too, and they did n't know or check if I was eligible for the offer?! They told me to wait for 90 days several times. Now I have waited for over 90 days, and she said I am not eligible? If so, should n't they have said that at the beginning?!
Consumer complaint received 2016-06-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

Ocwen has made my experience with them terrible. I went from a 2.99 interest rate and out of know where it increased to 6.74 %. I have tried to refinance my rental property with my bank but due to the property not worth what I purchased it for I do not have enough equity in the property. Ocwen talked me through trying to get a modification this process took six months and I received a denial. A 6.74 they have me trapped in is unethical.
Consumer complaint received 2016-06-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC. (FL)

I received a phone call and a late payment statement from Sun West Mortgage Company, Inc ( SWMC ) on or about XXXX/XXXX/2016. After looking at my XXXX XXXX online payment detail I called SWMC mortgage and explained my bank showed they mailed the payment on XXXX/XXXX/2016 and the payment processed XXXX/XXXX/2016. I was told they did not process the payment until XXXX/XXXX/2016, which created the late fee after XXXX/XXXX/2016. I explained they had internal issues processing my payment late and that was not my fault. They said they could wave half of late fee ( {$42.00} ). I told them no because it was their fault the payment was processed late and they had a similar problem back in XXXX 2016. They admitted the issue was internal and removed the late fee. They also attempted to force me to sign up for their auto-pay.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Request SPS to provide the following items to me ( this has been ongoing since they became the mortgage servicer since XXXX XXXX XXXX ) 1.written explanation why my property tax ( 1st installment due XXXX/XXXX/XXXX ) was paid late XXXX XXXX which incurred a penalty from the State of California ( $ XXXX est. ) which as of today has never been provided after 5 requests through letters and faxes 2.request for my impound account that pays my property tax and fire insurance be terminated and have the mortgage note modified to reflect the principal and interest payment without the impound..sent two letters as well as a fax letter and no response in writing from SPS as of today date 3.request a written explanation of why there is a escrow shortage for the tax and fire insurance impound since it is being added to the principal and interest payment and how did this occur..request three times via letters fax to their customer service account supervisor XXXX XXXX, XXXX XXXX, XXXX XXXX without result . last two months to date. 

Please have SPS comply to my written requests without further delay. I have been in contact with them long enough toi realize that it is a total waste of time and energy without your help to force them to comply.