davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Santander Consumer USA Holdings Inc. (OH)

In reference to previous CFPB complaint # XXXX dated XX/XX/XXXX and company 's response to said complaint, I still HAVE NOT received my refunds in the amounts of {$620.00} ( security deposit ) and {$170.00} ( overpayment ). Company stated that the refunds have been sent to me 2 weeks ago ( in company 's response to above cfpb complaint # ). Yet I have still not received anything. When I call XXXX XXXX to inquire about the status of my refunds, I just spoke with a XXXX in customer service ( XX/XX/XXXX approximately XXXX EST ) who informed me ( after reading all the notes on the account and having me on hold awhile ) that they no longer have a system where they can see when the refund was issued to me or any type of status relating to it. XXXX says they " used to '' have it but have recently gotten rid of that system. What??? How convenient. She then goes on to inform me that I should get my refund " any day now. '' I was then transferred to XXXX  in the lease department who informed me that he didn't see the {$620.00} amount as a refund or security deposit or that it even ever existed on the account. Basically, I am still being given the run around and have NOT received any refund.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GreenSky, LLC (CA)

XXXX XXXX XXXX is reporting 30 day late payments, XX/XX/XXXX, XXXX & XX/XX/XXXX in the amount of XXXX to certain bureaus and paid on time to others. Which two those payments were made on time, and returned although funds were in my account. 

My XXXX payment i was unable to make payment because i could not access their online payment center, and after calling numerous times and not getting any answers to my issues, i was finally told weeks later by a supervisor that that had " recently switch something with their online service and my account had not been switched over ''. Thus resulting in a 30day late payment.
Consumer complaint received 2018-01-25
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. (CA)

XXXX XXXX is still reporting the account as being an open account, when it should not be. In California there is a 4 year statute of limitation an open account. The original company was the XXXX so the account has also been reaged to when XXXX XXXX got it. I am requesting a verification of this account, which I am entitled to within 5 days of request.
Consumer complaint received 2018-07-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: REGIONS FINANCIAL CORPORATION (AR)

I submitted a loan application with Regions Bank on XX/XX/XXXX. I was told everything was approved and they were just waiting on my payoff letter. I submitted that and we closed on XX/XX/XXXX with no mention from anyone that there was a difference in the loan amount and what payoff was. I signed under the impression everything was fine. On XX/XX/XXXX I received a letter from XXXX stating the payoff was short {$1600.00}. I pulled out my loan docs and the docs show the payoff amount being sent to XXXX  as correct but my loan is a different amount. They did not mail the correct amount to XXXX  and why is my loan amount different? My daughter reported the error to XXXX XXXX with Regions Bank in XXXX, the same day, XX/XX/XXXX and she stated the loan would have to be rekeyed and credit pulled again. I know XXXX and honestly believe thats what the underwriters at Regions told her. She would have fixed it if there was a way. I was not okay with them pulling my credit again when it was their error. My daughter then reached out to XXXX XXXX, Operations Mgr, who told my daughter that the branch mgr would call me on XX/XX/XXXX or XX/XX/XXXX at the latest with my options and I have yet to hear anything from them on how they are going to fix their error.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (TX)

On XX/XX/XXXX I was declined for an apartment based on the inaccurate findings provided by XXXX XXXX XXXX and XXXX XXXX. On XX/XX/XXXX I contacted first advantage to provide proof that the eviction that were reporting was discharged by the court and deleted from public record over 2 years ago. I provided them with the original court documents with the legal verbiage, a deletion letter of the public record being deleted. However the eviction that they were reporting, they claimed they found on my credit report was never on actually on my credit report, rental history, consumer report or public record. I have spoken with members of their tenant screening reps, disputes, review team and department supervisors of each department, yet they are adamantly refusing to delete the inaccurate information which in turn is preventing me from obtaining an apartment. I have applied to 3 apartments and have been turned down by all 3 due to first advantages gross negligence and non compliance with the Fair Credit Reporting Act and have lost over {$300.00} in application and administration fees.
Consumer complaint received 2018-07-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TIDEWATER FINANCE COMPANY, INC. (MD)

I filed a chapter XXXX bankruptcy on the XXXX XX/XX/2018 and got a discharge on XX/XX/XXXX, throughout the discharge proceeding I was getting calls and letters from this company and constantly harassing me about repossessing the vehicle the entire time, they have someone calling me about picking up the vehicle every day, which I did, even after I got the discharge Im still getting letters and calls from this company saying I have a balance, and it still showing on my credit report as a open account with a balance. Ive gotten so much letters like the envelope I attached about repossessing the vehicle even after I handed over the vehicle to the recovery company they have harassing me.
Consumer complaint received 2018-07-17
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: AES/PHEAA (NY)

On XX/XX/2017, XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$30000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349 - Deceptive Acts, Section 380S - Identity Theft and title 15 U.S.C. Section 1632 - Form of Disclosure ( 2 ) Creditor to provide contracts to the Bureau. As defined under title 18 U.S.C. Section 1030 - Access Device. The reporting agency did not follow laws under title 15 U.S.C. 1681S-2 ( a ) - Duty of Furnishers of Information to Provide Accurate Information.
Consumer complaint received 2018-07-17
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. (AZ)

Experian Closed a Credit Card I have from XXXX XXXX. I have not closed the account and made my Score dropped 10 points all XXXX XXXX  did changed the lost 4 numbers the end of credit cared. I Spoke to EXPERIAN agent his name XXXX  refuses to listen to me this is the second times EXPERIAN done that to same credit cared.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is currently :XXXX , XXXX , XXXX My current legal name isXXXX A please remove/ delete all variations they are incorrect. 
This is the second time I have contacted Lexis Nexis, XXXX XXXX, XXXX, XXXX  regarding the following information below. I am requesting that you promptly delete these addresses I do not believe a proper investigation was done from my file through your office.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have spoken with my CC company twice and with the Transunion on many occasions. I will attach the screen shots at the bottom. Transunion has removed my oldest CC account from their system and isn't taking responsibility for it. They keep blaming the CC company and the CC company says, " it's not us but Transunion, we report every month ''. Also, I filed a dispute with Transunion on an account, which is paid in full and is reported to the other credit companies but their investigation still shows the account to be active. It was an auto loan paid off on XX/XX/XXXX. They also haven't updated their information on other accounts as I keep a XXXX balance except for one card ( to keep my credit score high ). I have an XXXX credit score with the other institutions except for Transunion, which has just down graded my information due to removing the account. Now, 17.8 years of history is missing and they said I never had the account reported to them. If this were true, then their company wouldn't have shown that the account was removed in an alert. It seems to me they are doing something illegal or have a computer glitch which needs correcting immediately. Everyday this goes uncorrected affects my ability to buy my XXXX XXXX. When it comes in from XXXX I need my credit to be at its best. Please take care of this ASAP. If their system is messing with my credit, just think how many others they are messing with. I cant be the only one seeing these discreteness. They keep trying to push the blame onto someone else, when it is clear it is their system. I have placed each screen shot in order of how it shows up on XXXX XXXX as it would be in a full length page and am showing you my XXXX report which gives my credit score and the actual account in question.
Consumer complaint received 2018-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XXXX XXXX, 2018 I sent a certified letter to the company Portfolio Recovery Associates regarding a debt that is reporting on my credit report. The letter stated them to validate NOT VERIFY a debt that they was attempting to collect from me. I specifically asked for a signed agreement and other documents validating this debt. They sent a letter that clearly does not validate this debt by which does not prove that I am not obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted. I have no known relations with this company. Also the letter they sent me contains the last four digits of a social security number that is not mines.
Consumer complaint received 2018-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I made an additional {$1000.00} payment on my Usaa auto loan. Their website defaults to principal and interest instead of the full payment being applied to principal. That in itself seems very unethical to me. This payment was on top of my regular monthly payment. I tried their chat function to fix immediately with no luck and just spoke with a representative that told me the only way to fix the problem would be for the account to show a late payment as they would have to reverse the additional payment and reapply the whole payment to principal which would then show the additional payment as a late payment? That is very unethical and unfair. Their website should be corrected to default to principal only and this should be easier to fix .... without my only option being to show a late payment on my account balance. So unethical and inappropriate.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my Transunion and XXXX credit report and I notice there is three unauthorized credit inquiry on my credit score. I do not recall authorizing this credit inquiry. I have contact Transunion and XXXX to please remove these inquiries but in the end it turn to no avail.
Consumer complaint received 2018-01-25
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: BARCLAYS BANK DELAWARE (TX)

I ordered XXXX XXXX XXXX online using my XXXX XXXX with Barclays Bank. I inadvertently checked a box that authorized XXXX to send monthly shipments to me as well as to charge monthly fees to my XXXX XXXX. When I got my XXXX statement and saw charges totaling {$160.00}, I called XXXX and advised them the transaction was fraudulent and to cancel order immediately. I got my attorney and XXXX on a three way call that was being recorded and closed my XXXX XXXX to prevent any further charges by XXXX and to please reverse the charges back to XXXX as fraudulent. Since XX/XX/2017, XXXX has advocated for the merchant against their customer, me. Even though the entire account balance was XXXXXXXX XXXX charges, XXXX has continued to charge me interest and late fees on this CC account so that the balance allegedly owed to XXXX is now {$300.00} and XXXX is reporting me as 90 days past due to all three Credit Bureaus negatively affecting my good credit. XXXX sent my attorney a written letter advising that XXXX had indeed reversed the charges which is why they could not credit my CC account, so if that's true, I owe XXXX nothing!
Consumer complaint received 2018-01-25
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: BARCLAYS BANK DELAWARE (MD)

I agreed to have XXXX take out XXXX a month for credit monitoring. They suddenly started 4 months ago taking out XXXX. I called XXXX and I got no response. I also called Barclays and I talked to a manager named " XXXX ''. He is refusing to give me another credit card number. He is also refusing to investigate the charge because he says I need a copy of the contract. I do not have a contract. They are obligated to contact XXXX.
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Jacob Law Group, PLLC (AL)

My name is XXXX XXXX XXXX. I was audited by the Mississippi Department of Revenue for the tax years of XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX and found to owe a little over $ 5K. I was notified of this debt in XX/XX/XXXX. I was in the middle of Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I also had no job. Unknown to me, my debt was turned over to the XXXX XXXX XXXX in XX/XX/XXXX but I was not informed until XX/XX/XXXX. I paid {$100.00} toward that debt via my XXXX debit card on the phone with the XXXX XXXX and received a confirmation email. It is also reflected on my bank statement. 

In XX/XX/XXXX, I received an email that in the opening statement says, " This will confirm that on XX/XX/XXXX, you gave our office checking information over the phone from the XXXX XXXX  XXXX XXXX XXXX per the SCAM outlined below. '' It is completely untrue and without merit. I ignored the email. On Friday, XX/XX/XXXX, I received a phone call from XXXX, Mississippi, from someone in the XXXX XXXX, verbally assaulting me regarding the " fact '' that I in XX/XX/XXXX I gave false banking information over the phone from the XXXX XXXX XXXX XXXX XXXX ; that I was part of a SCAM! I hung up, but not before I told the representative on the other end of the phone that I would report the phone call and the email to the Mississippi Governor 's office ( which I have ) and the Mississippi Better Business Bureau. I followed through with phone calls to both offices. 

These are the facts : 1. Until XX/XX/XXXX, I was unable to pay anything toward my debt except {$100.00}. 
2. In XX/XX/XXXX, I got a job with a sign-on bonus and offered to pay the original debt of $ XXXX to the Mississippi Department of Revenue and the XXXX XXXX. I was told that I would still owe a fee of over {$8500.00}, including the original debt including penalties, interest, and fees associated with the debt having gone into collection. I would still owe almost $ 4K, which I did not have. I was also told they would not negotiate any part of the debt until it had been in collections for at least one year. 
3. I am unemployed at present. 
4. I no longer live in Mississippi. 
5. I do not have the funds to pay the entire debt of almost $ 10K. 

I DO NOT APPRECIATE being accused of providing false banking information. I hold two current professional licenses as a physical therapist with fingerprints and have held six XXXX licenses in different states. My ability to maintain my license equates to my having nothing more significant than a traffic ticket or it would be reported to any and all state licensing boards. 

It is ABSURD that the State of Mississippi allows itself to be represented by the incompetent law office of The XXXX XXXX. 

I have documentation to support all of the above. 

Thank you, XXXX XXXX, XXXX
Consumer complaint received 2018-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

In XXXX of 2017 after the hurricane. XXXX XXXX told me i can stop paying the mortgage for 3 months because of the disaster then i can start paying again after the three months XXXX XXXX didnt tell me they wanted to modify the loan! I did n't ask them for a loan modification and they didnt ask me if I was interested in it they proceeded to do moduficstion without my consent and undrstanding of their process. I am scared and worried because of XXXX XXXX! 
I find them to be very misleading and dishonest. Now they are sending me a bill for over 1800 pet month!. I ghought they were going to add the three months to the back of the mortgage! 
They are very bad. I do not trust them. I wonder if others are having this problem as well. Please stop them from misleading homeowners
Consumer complaint received 2018-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Since XX/XX/XXXX, we have a home mortgage loan with Caliber Home Loans. We were affected by Hurricane Irma in XX/XX/XXXX. Caliber told us that we qualified for a 2 month forbearance for the months of XX/XX/XXXX and XX/XX/XXXX. We were under the impression that our payments that were not made in XX/XX/XXXX and XX/XX/XXXX would be added to the end of our loan. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX we continued making our regular mortgage payments by calling in over the customer service line. Caliber stopped allowing us to pay our bill online and were required to either call in ( for a fee ) or mail a check. Each month our mortgage statements stated that we are delinquent although we were a part of the natural disaster. We were also charged a fee for an " inspection '' that we were not aware of until after the fact in XX/XX/XXXX. This was not disclosed when we started the forbearance by the representative who we spoke to. We were treated like we simply stopped paying our mortgage instead of being a part of the natural disaster program. The process was not as simple as they made it sound and in fact has caused a lot of hassle and complications. 

I spoke to an agent on XX/XX/XXXX in regards to our statements showing a past due balance and being delinquent to get a better understanding of the entire process. The process feels very deceitful because now we are forced to do one of two things : 1 ) Bring the loan to current status by paying the entire 2 months at once or 2 ) going through a loan modification which increases our loan length and our loan amount by thousands of dollars. The agent said that many customers were calling in with similar complaints. The representatives who enrolled us in the natural disaster forbearance did not disclose these additional details. It seems to be that Caliber is taking advantage of customers who suffered during a natural disaster.
Consumer complaint received 2018-01-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX , XXXX ( XXXX XXXX XXXX ) sent a letter ( attached ) to collect and settle a debt and gave me 3 options. 
The 1st options was to pay a lump sum of {$4100.00} " a 70 % discount '' The 2nd option was to pay {$570.00} for 12 months " a 50 % discount '' The 3rd option was to pay {$50.00} a month " call for details '' I chose option 1 and sent a check for {$4100.00} to settle this account which they received and cashed out. ( Attached ). 
I was sent another letter indicating I owe an additional {$9600.00} ( attached ) This is a deceptive practice and a violation of the Fair Debt Collection Practices Act ( FDCPA ) by lying and incorrectly reporting this to credit reporting agencies. I checked my credit report and this debt was reported as a charge off by XXXX on X-XX-2015 in the amount of {$12000.00} and XXXX XXXX is reporting opened on X-XX-2015 in the amount of {$13000.00}.