davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-19
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 (SC)

My state tax lien was vacated/expunged by the XXXX, however it is still showing on my XXXX credit report. I sent a certified letter to Equifax on XX/XX/XXXX along with proof of the Expungement requesting that the tax lien be removed from my credit file. On XX/XX/XXXX I received the results of the investigation and XXXX did not delete the tax lien from my credit file. Their response was they verified the information with Lexis Nexis.I contacted Lexis Nexis on XX/XX/XXXX and spoke to a representative who first had a difficult trying to locate the file because she said it was archived. I informed her that the tax lien was expunged and no longer appeared in the XXXX records or the County Register of Deeds records. The representative asked me to send her a copy of the Expungement which I scanned and emailed to her. I received a generic response stating they were currently reviewing my communication. I am at odds with XXXX because it is like pulling teeth to get them to remove inaccurate and damaging information from my credit file. Once they received the Expungement that should have taken care of it, there was nothing to investigate. My credit is suffering due to this and it is making it difficult for me to purchase my home.
Consumer complaint received 2024-08-27
Product: Credit reporting 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. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2016-10-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (VA)

i lost my vehicle due to bankruptcy 3 years ago. I was referred to XXXX XXXX XXXX in North Carolina for a replacement vehicle. I was a naive, first time car buyer. I was told to provide all sources income including child support. I explained I was not comfortable with this as my children would lose it within 2 years. My loan is with Consumer Portfolio Services at 23 %? interest. After making payments on time for 2 years, child support stopped and I could n't make my payments. i sent money each month that I had available, but it was not the correct amount, but all I could afford. I tried to refinance, but because the interest was so high, I was already upside down and was turned down. I contacted CPS and was allowed for a fee to extend the loan on the car, a quick fix but did n't solve the issue at hand. I then was laid off from my job and saw my hours reduced. I informed CPS of my difficulties but was told I owed XXXX and that was that. I asked if they could lower my interest rate for a few months, but was told no, they were n't a loan company. I sent XXXX ( a gift from my church ) but they came and repossessed my car anyway. I was never told where it was taken, I had personal belongings inside and was never told how to retrieve them. My car was sold at an auction, though I was never informed when or where. I was sent a bill for XXXX for the deficiency deficit. I did my best to keep them informed of my financial struggles, I could n't extend the loan again because I had already done so and was told I did n't qualify. With all of their fees tacked on to my already late payments, I was so upside down on the loan, I could n't sell or even trade the vehicle to try to alleviate the burden. I may not have a valid complaint, but I feel like these loan companies prey on people like me. I ca n't possibly ever re pay the loan. With all the fees they 've assessed me, it was n't feasible. I owed XXXX on a car that was only worth XXXX. How can this be legal?? This company harassed me at work until I filed a complaint against them. I need help with this situation. My finances are no better today then they were when my car was taken by them. I am not an irresponsible person, I was just unknowingly taken advantage of by the loan company and the dealership I dealt with. I would like to see these loan companies not be allowed to extort money from people such as myself. The fees they charge make them rank right up there with payday loan companies.
Consumer complaint received 2017-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (MI)

Dear Escalation Supervisor, On or about XXXX XXXX. XXXX I was advised by XXXX XXXX XXXX XXXX all documentation was received to proceed forward with a property modification. Since this point I 've had no updates or communications from the mortgage servicer. Upon calling several times to get a status update with XXXX, XXXX and XXXX no follow up has occurred. On XXXX XXXX. XXXX I had a XXXX  package delivered to our townhouse. It seems to indicate I should call in to get further direction on the next step to the process. The property is indeed occupied. It is important the servicer call me back and give me a update via phone and or E-mail. It seems XXXX XXXX is never available. Please assign a new representative to my account as soon as possible. All communication or correspondence should be mailed to : P.O. XXXX # XXXX XXXX Michigan XXXX! 
Thank you ahead of time.
Consumer complaint received 2017-11-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I have a letter from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The letter offers me a settlement opportunity. I have searched through my records and it appears to me that this debt was bought from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. This account was paid in full in XXXX XXXX. I am perplexed as to why XXXX has this when it was paid. My distress at the moment is that it is a negative item on my credit record and I have tried to explain to the company and the credit bureau that this is a mistake and I want it removed from my credit record but I have not gotten any cooperation. 
The statute of limitations on debts is XXXX years in Texas. This should not be on my credit record.
Consumer complaint received 2017-11-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Credit Assoc. Inc SC (SC)

Extremely rude people, called me while I was at work, I answered to ask them to call me after or I would call them back and she said no, we will just report it to your credit then, goodbye! I called back and asked for supervisor who was also rude and said he was the owner and I was n't to call there again until I was calm. I was angry for horrible treatment and rudeness that is rediculous. I tried to explain and he would not hear 1 word, yelled over me and said stop talking and do not call back. Told me to contact cfpb or whoever I wanted, he did n't care. Refused to give me someone decent to speak with
Consumer complaint received 2016-10-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (GA)

I tried to get into Wells Fargo Dealer Services online tool to pay my car note. However, I got a message saying that my rate has changed. 
When I called, they said that that message applied to my old car loan and being over charged for interest. They sent me a check for {$48.00} but my concern is that they did not go into details about the months involved with the overage. I would like to know if I am due more since I do n't have a clue on any specifics. This happened immediately after the scam when employees were fired due to fraudulent accounts.
Consumer complaint received 2017-11-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

On XXXX XXXX, XXXX, I opened a Revolving Line of Credit with XXXX XXXX XXXX XXXX HFC under the umbrella of HSBC. Much to my dismay I recently discovered HFC sold a loan ending in XXXX to XXXX by way of fraud. The loan agreement bearing my signature ended in XXXX ; the loan HFC sold to XXXX ended in XXXX. When HFC sold this loan to XXXX, HFC provided the agreement signed by me for the loan ending in XXXX, as validation for financial responsibility for the loan ending in XXXX, which is illegal. Thus, I made contact with HSBC and spoke with two different Management employees ; one XXXX XXXX, and XXXX XXXX. XXXX XXXX worked with me for two weeks prior to her layoff ( effective XXXX XXXX, XXXX ), in an attempt to resolve this issue. What XXXX XXXX discovered and share with me was the following : 1 ) There was no loan agreement bearing my signature for the loan ending in XXXX ; 2 ) There was no documentation or notes in the HSBC system of records on why the loan number change took place ; 3 ) There were no notes/documentation in the HSBC system of records showing I was notified of this change ; 4 ) There were no notes/documentation in the HSBC system of records showing an effective date of when the loan number would change ; 5 ) There were no notes/documentation stating who made the decision that loan ending in XXXX was my debt. However, XXXX XXXX did share with me : 1 ) There was a HUD XXXX in the HSBC system of records which showed on line # XXXX the loan ending in XXXX was paid when I refinanced my home In XXXX. After XXXX XXXX departed I ended up communicating with XXXX XXXX, who was rude, curt, short and unwilling to listen. Most of our conversations where shouting matches. I asked XXXX XXXX on several occasions for the number to the Chief Executive Officer, of which she refused or provide. XXXX XXXX then sent me a letter and upon reading the letter one would believe that I sent XXXX XXXX written correspondence and she was responding. Not true all of our communication was via phone. Attached to XXXX XXXX letter was a bunch of automated printout, which according to the opinion letter from the FTC by XXXX XXXX XXXX, does not constitute validation. After I received XXXX XXXX letter I made contact with her once again, and XXXX XXXX as me not to contact her again. Thus, I am asking that XXXX XXXX does not respond to this complaint and that I be provided with the number to make contact with the Chief Executive Officer.  XXXX then sold this fraudulent loan to XXXX XXXX XXXX. I also possess a credit report which shows this HFC account was closed XXXX XXXX, XXXX, showing paid in full and HFC states this loan was sold to Springleaf XXXX XXXX, XXXX.
Consumer complaint received 2017-11-18
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: Santander Consumer USA Holdings Inc. (TX)

1. I am over the age of XXXX and am a resident of the State of Texas. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. 1. SANTANDER IN REFERENCE TO ACCOUNT # XXXX 2.I CANCELLED MY CAR WARRANTY WITH XXXX, XX/XX/XXXX 3.THEREFORE I WAS DUE BACK THE BALANCE OF {$2300.00} 4.XX/XX/XXXX XXXX REFUNDED THE XXXX TO SANTANDER BECAUSE THEY ARE THE LIEN HOLDER. 5. I HAD A ACCIDENT XX/XX/XXXX, DUE TO THE INSURANCE TOTALED THE CAR AND PAID OFF THE ENTIRE CAR XXXX, BY XX/XX/XXXX. 6. LEAVING THE BALANCE OF {$14000.00}, IN WHICH SHOULD HAVE BEEN A BALANCE OF {$2300.00} LEFT, DUE BACK PAYABLE TO ME THE CUSTOMER, XXXX XXXX THAT IS ME. 7.SANTANDER CONTINUED TO DEBIT MY ACCOUNT FOR THE CAR PAYMENT AFTER BEING PAID OFF, BY THE INSURANCE. 8. SO BY XX/XX/XXXX SANTANDER WAS COMPLETELY PAID OFF IN FULL AND THEY STILL TOOK THE PAYMENT OF XXXX FROM MY XXXX ACCOUNT OF WHICH I HAD TO FILE A CLAIM WITH XXXX TO REVERSE THE {$520.00} 9. SUMMERY I REQUESTED THE {$2300.00} PLEASE BE PAID BACK TO ME FROM SANTANDER, AND TO REPORT ON MY CREDIT REPORT THE CAR BEING PAID OFF IN FULL, AS OF XX/XX/XXXX, MY CREDIT REPORT IS STILL SHOWING XXXX WHICH IS INACCURATE.
Consumer complaint received 2017-11-17
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

A woman called me from a XXXX number asking to speak to XXXX XXXX, my mom, when I asked her who was calling and what company she was calling from she declined to answer. So i started recording the phone call through XXXX voice, She then asked to speak to my mom again, i then asked again who she was and what company was she calling from. which she then recognized that the call was being recorded, she then asked my why i was recording the call. I told her because I always record calls from numbers i do n't recognize and have blocked caller Id 's. she then hung up the phone. 

So I XXXX the number XXXX and it resulted in XXXX XXXX. Ill attach a copy of the recording for your review. 

Thanks
Consumer complaint received 2017-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

This is a general complaint about the mortgage industry. As a XXXX I understand the workings but as a homeowner I am XXXX off about it also. I go to a lender to get a loan for a house, I choose a reputable company to do business with and do my due diligence in selecting a company with a good track record and customer service. Just about every company will then sell my loan to someone else to service for the life of the loan or until it is sold again. This is my problem, I have no say in who is able buy and service my loan, I get nothing but a headache when dealing with them. They do not estimate my escrow correctly and now I am hit with an additional $ XXXX/month. When they took over my loan the monthly payment dropped over a hundred dollars, so I knew this was coming at some point. It does not take a rocket scientist to look at taxes and insurance and come up with an escrow plan. But for someone on a fixed income or tighter budged could be XXXX. I cant even refinance with a good company because there is a good chance that it would then get sold and who knows I might end up with the same horrible service company I am with now. 

I think consumers should have the RIGHT to say yes or no to who services their loan. I would never choose a company with horrible service or a bad track record when it comes to escrow management. I know this will never see the light of day but as a XXXX this is a problem that needs to be addressed as the consumer has no choice in the matter and it is WRONG! 

XXXX XXXX
Consumer complaint received 2017-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

I had bought my home in XX/XX/XXXX, and I fell behind on mortgage payment in XX/XX/XXXX, but I was able to get a repayment plan with M & T Bank in XX/XX/XXXX after becoming unemployed in XX/XX/XXXX. Also, I had fell behind in HOA dues in XX/XX/XXXX, and I tried to get a repayment plan from them in XX/XX/XXXX, but they would n't negotiate. Actually, they returned my money order. 

Recently, I have stopped making mortgage payments due to misinformation from the bank that the HOA was n't the owner that I am. I have learned otherwise through a title search that my bank deceived me from the truth of ownership. 

Now, when I call the bank 's attorney, I am always asked if I have a lawyer before I can speak to the attorney. My question is, will I get a notice from bank when I can move my personal possessions out. I was told that the bank will not be the owner after the foreclosure. How not? 

Because of this bank, I faxed the HOA notice to vacate to them for direction, and they ignored it. I called M & T Bank, and I was told that I am still the owner of the property. Today as I write this complaint, I am still told the same information. My personal property remains in the house, and I am not helped in accessing the home by this HOA to retrieve them. They refuse to work in good faith with me to let me view the inside as proof. I do not believe their word, because of their process of no repayment plan. I could n't afford an attorney during this process. 

Both the bank and HOA took advantage of my lack of the laws and legal representation. My whole life is in this house that I 've acquired over my XXXX years. Others that I shared my story have never heard that an HOA want to do this. 

I feel emotionally helpless and frustrated thinking about my personal papers, unreplaceable family pictures, and other personals that are unreplaceable. My house was stolen from me, but I am pleading for the return of my possessions. That 's all!
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX 2017 I filed despites on 4 student loan accounts and XXXX, transunion, XXXX, Never investigated or tried to fix the situation. They did n't delete the accounts that 's past 7 years they did n't fix the amounts they just add remarks on there.satating that they contacted the company which they did n't because I contacted the company.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I submitted a letter to Equifax Credit Bureau requesting them to verify the source of reporting of a Chapter XXXX bankruptcy on my report. They claim on my report that this was received from the US District of Virginia Courthouse. I included with my letter, a signed letter from the courthouse stating they DO NOT submit information to any credit bureau. I received a response from Equifax stating they looked into my dispute and they claimed the reporting was accurate and sited XXXX XXXX, a third party provider, as the source of their information on my report. Based on the information I 've provided, this is clearly inaccurate and false reporting on my report. I am requesting that they remove this from my report permanently and all accounts included in said bankruptcy such as charge-offs and collections. Thank you for your attention to this matter.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/XXXX, I had a {$0.00} balance on my Victoria Secret 's Credit Card. 
On XX/XX/XXXX I made a purchase at a Victoria Secret Store for {$16.00} On XX/XX/XXXX ( a Friday ), my payment was due. 
On XX/XX/XXXX I paid the complete {$16.00} off. 
Due to being 1 buiness day late I was chagred a late fee of {$16.00}, the same fee as my initial purchase. 
Prior to my XX/XX/XXXX due date I asked for a late fee removal, no additional charges were made and the only balance due was my {$16.00} late fee that I was asking to be removed. 
The decision by XXXX XXXX to not waive this late fee was made after XX/XX/XXXX, causing my payment to be late. 
On XX/XX/XXXX, I paid the late fee of {$16.00} they refused to credit me for. 
On XX/XX/XXXX, I was also charged another {$16.00} late fee. 
My total cost for my {$16.00} purchase is now {$48.00}
Consumer complaint received 2017-11-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (MI)

Payment plan was set-up online thru Receivables Performance Management on XX/XX/XXXX and the first payment of {$59.00} was made by XXXX CC.
XX/XX/XXXX- 4 phone calls, XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX ( not a typo, back to back phone calls ) XX/XX/XXXX- 4  phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX  XX/XX/XXXX - 3 phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 2 phone calls,XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 4 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 1 phone call,XXXX XXXX XX/XX/XXXX- 3 phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 2 phone calls,XXXX XXXX, XXXX XXXX XX/XX/XXXX- XXXX XXXX, XXXX XXXX- answered this call, had to verify my name and address, didnt tell me who he was, was then transferred to a gentleman who asked what he could help me with, I said I didnt know as they called me and I had no idea who he was or what company he was with, he said he would get me to a department that could help, I waited 5 minutes and got no answer then hung up.
XX/XX/XXXX- XXXX XXXX, answered call and advised her that payments had been set-up online and she verified that she saw that and that payments were for {$35.00} XX/XX/XXXX- XXXX XXXX, Answered call and advised that I already talked to someone the day before and that payments were being made and that they were not to contact me again. She said she was noting my file and verified that they did not have the right to contact me again, to which I replied " correct. '' XX/XX/XXXX- XXXX XXXX, XXXX XXXX- Answered call, and advised that this was the 3rd time I have told someone that the debt has been taken care of and they were not allowed to contact me anymore.