davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My house was put on the market last year as a short sale when my ( now ) ex husband went to jail. The house was upside down and I could not pay for it alone with XXXX kids. I quickly got an offer in XXXX or XXXX XXXX. Bank of america short sale dept closed the short sale multiple times and made us start all over each time without notice due to " inadequate documentation ''. Each time we proved they had the documents already, but it was too late, we still had to start all over. This went on and on until spring of this year XXXX. They finally accepted the offer, but still could not close in a timely manner and my buyer backed out eventually which then put me on the foreclosure list. I had about two weeks to come up with money to keep from being foreclosed so I signed a deal to modify the loan and borrow the money to stop foreclosure. This gave my realtor time to find another buyer. She did. Now I have had this buyer since spring. His offer is even better than the first buyer. My initial close date quoted was XXXX XXXX and that has now been postponed. They still have not made a decision about accepting the offer or not. BOA had actually accepted the previous buyer 's offer which was less. I have moved out of the house. I am no longer able to pay for it. Bank of america is impossible to communicate with. I am getting nowhere with this and if this buyer gets impatient with them it will foreclose. I know foreclosure benefits no one. I do not understand what the ongoing delays are. I am almost at a year of nonsensical delays. We have been moved from one customer relationship mgr to another, all of which do not communicate well. If the home forecloses it just forecloses, I am not interested in retaining the property, but it seems ridiculous when I have a buyer that can complete a short sale.
Consumer complaint received 2016-08-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I NEED HELP WITH MY SHORT SALE. I sent a Short Sale package with a contract in XX/XX/XXXX and no one responded. I lost the buyer. I have a new qualified buyer and submitted a package in XX/XX/XXXX. I have n't had a response yet. My husband is a XXXX veteran and I am his caretaker. We have to relocate and bills are piling up because the maintenance and upkeep is causing more hardship -- We really need help to get this expedited ... ... ..PLEASE! We keep losing prospective buyers because of the timing. 
However, I am pleading with SPS to stop the foreclosure sale scheduled for XXXX XXXX, 2016 and honor my short sale loss mitigation package. 
My husband is a XXXX Veteran and I am his sole caretaker. He suffers from XXXX. 
I came out of Bankruptcy previously in order to do a short sale when I was offered a modification that was n't feasible. 
I listed my property, received offers and submitted my package twice. I have yet to receive a response. Instead, the first time I submitted a package a hearing was schedule to reset foreclosure sale date. 

I resubmitted package and still no answer. I had a foreclosure sale date twice and the judge stopped the sale. I do not want to file bankruptcy again because I can not run the risk of having a Deficiency judgment and I need financial assistance to relocat I have submitted my package to the Consumer Ombudsman office as well as the Short sale department. Please send me a single point of contact whom I can work with and call twice a week until this matter is totally resolved.
Consumer complaint received 2016-08-29
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

Santander Bank held a XXXX yr CD XXXX # XXXX XXXX for $ XXXX which was due to mature on XXXX XXXX, 2016. It was initially taken out with Sovereign Bank but had been taken over by Santander several years ago. 
I phoned and then sent a registered letter asking that the money not be reinvested but returned to me along with all interest at maturity. Evidence : Copy of registered letter requesting closure along with signed receipt. Told by a junior staff member ( XXXX XXXX ) that the letter was entered into my account on XXXX XXXX. 
In the event, they went ahead and reinvested it and would not reply to me even thought I sent other registered letters. This time asking formy money and the interest that was due to me. 

After nearly two months, they sent me the initial sum but did not pay the interest that should have accumulated. I have all these letters and consistently, by phone, nobody will take responsibility for the lack of response to my instructions over all that time. Indeed, now that they have finally paid the core sum, they claim they can not gain access to answer any questions about the account! Their top supervisor XXXX '' in Rhode Island even declined to talk or listen to me because " She can not authenticate me '' because they no longer had details of my account available.
Consumer complaint received 2016-08-24
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

From XXXX XXXX to XXXX XXXX, my husband was XXXX ill in the hospital and then eventually XXXX ( XXXX ). At one point, he had XXXX, almost died, and was put into XXXX for 8 days. I did nothing but live at the hospital and go home once a day to shower. A friend even came and kept my dog for about XXXX weeks during this timeframe. I was not looking at a computer or a calendar. Once things began to improve and my dog came home, I was walking her one afternoon ( XXXX/XXXX/XXXX ) and noticed that I had a voice mail. It was Infiniti Financial Services and I had missed the payment. This is my XXXX vehicle lease with Infiniti Financial Services, back-to-back. I had never previously missed a payment or paid late on either lease. I did not get anything by mail or email to warn me of this, just a voice mail on my cell phone from a random number that I could n't identify, thus no rush to check the voice mail. By this time, I 'm about to be late on a 2nd payment, so I was 30 days over on the first one. While on the phone that afternoon with Infiniti Financial Services, XXXX/XXXX/XXXX, I paid the amount owed in full for XX/XX/XXXX and XX/XX/XXXX ( 2 payments plus a late fee ), {$1200.00}. They seemed shocked that I could pay it in full. Eventually, they still submitted it to hit my credit report in XX/XX/XXXX or XX/XX/XXXX ( ca n't remember ) and I contacted Infiniti/Nissan Finance and told them the horrible family situation I had been in, it was n't that I could not pay, I was just extremely focused on another matter and had no reminder at all to pay it and it never crossed my mind. I asked could they please review it. They said they would pass it to the appropriate department and that I would get a phone call for discussion or an email notifying me of the decision that had been made. I never received anything and it is still on my report, so I called them in XX/XX/XXXX and they just said they reviewed it and the circumstance did not warrant the removal. So ... ..10 months before my second lease will expire where I 've made all previous payments on time ( and all payments after this occurrence ) ( almost 6 years ) AND when I found out I had missed this one I immediately paid in full, in a situation where my husband was so XXXX ill he almost died, they sent no reminders either via email or regular mail and left one voice mail from a number I could not recognize, they will not assist me in getting my impeccable credit rating back. As we all know, a 30-day late will drag my score down for a VERY long time, and we know they can fix whatever they are willing to.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (NC)

A complaint - # XXXX was filed regarding American Express Gold Delta SkyMiles card - American Express used incorrect data provided by Experian to determine APR. 
American Express Gold Delta SkyMiles responded to complaint stating that they had resolved the matter by offering a gesture of good will : 1. American Express issued a {$30.00} statement credit - I can not verify this information. 
2. American Express XXXX Delta SkyMiles - AE has not allocated XXXX Delta Skymiles they stated in letter XXXX XXXX, 2016 in response to my complaint # identified above ( and narrative below ) The former issues was ... 
Delta Skymiles American Express credit card, which I applied for and awarded, was awarded at 17.49 APRate instead of 15.49 APR. American Express stated on XX/XX/2016, my XXXX score was XXXX based on a report from XXXX. On XXXX/XXXX/2016, I ran my credit report for all XXXX credit reporting agencies ( 4 days apart ) and my XXXX scores were : XXXX XXXX ( excellent ), XXXX XXXX ( excellent ), XXXX XXXX ( excellent ). This is a XXXX point difference in the XXXX XXXX score in 4 days. When I explained to Am Express that XXXX out the XXXX issues were incorrect and incomplete - they would not resolve the issue. And XXXX, when contacted, was not willing to make ensure my credit card was complete and accurate ( separate complaint has been filed on XXXX ). Issue one - said no record of installment loan ( car loans are evident and on file - XXXX and XXXX XXXX ) but my mortgage info is not listed on XXXX.Second, said too short of time with early accounts - have had 28 years of credit. Third issue - do not pay accounts as agreed - I pay all accounts as agreed. AM Express based its APR decision on inaccurate and incomplete information. 
XXXX Issue APR or interest rate If you lost money, how much money did you lose? {$0.00} Have you done any of these things to try to resolve this issue? 
Contacted the company directly DESIRED RESOLUTION
Consumer complaint received 2016-08-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (ME)

XX/XX/2016, my bank started a real time account record. Meaning that purchases and transfers etc would be done in the order they are made. No problem. Overdraft charges were not mentioned in this change. I had accidentally overdrawn a couple times after the new policy and within the hour of the overage happening I covered it and did n't get a fee. Between XX/XX/XXXX and the XX/XX/XXXX my brother was dating an employee of the bank. They broke up and they have a legal issue pending between them. Her friends at the bank make us both feel uncomfortable with dirty looks, but nothing more. I brought in some of the employees belongings to her at my brother 's request, I took them to her work because I do n't know where she lives. Just days after I overdrew by {$1.00} and some change, within 10 minutes I covered it. They charged me the overdraft fee, I paid even though I thought it was unfair. They then charged me a fee for transferring from my savings too many times using the app. Stating that had I physically was in the bank I would n't have gotten the charge. I had bills coming out of the account and had enough to cover them with a few dollars left, but that charge put me over yet again. I paid to cover it and received yet another overdraft fee. I called and they denied any unfair charges where none existed before. I told them the fee is to pay them for covering and compensating what I overdraw and ca n't cover, but that is for a 24hr period or more, not 10 minutes. They claim that all banks do this and I should do my research, I said you are the only one that does n't allow until the end of the day. As for the online transfer they claim it 's state policy to charge the account holder for transferring the account holders money between accounts, I find it fishy. I had no problems until I brought in the persons belongings. It was no time until my account was being attacked when I had never had any issues before.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IN)

I have a car loan through XXXX bank. I have paid monthly payments on this car loan for 5 years. This loan isnt showing up on my credit report through XXXX nor Equifax. Not having this information is effecting my credit report. I need to get this information on my report as it is effecting my overall credit score.
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

I have a negative account in which I do n't know about on my credit report for XXXX. I am not familiar with this account and it does not belong to me. It 's for almost XXXX and I have no idea how this mix up happened.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MI)

Signed up for an American Express Platinum card with XXXX points offer. Signed up because all the reviews I saw spoke highly of American expresses customer service with their platinum members and their concierge service. After earning the points associated with the sign up bonus my account got flagged for some sort of fraud lockout and after speaking with a customer service representative ( who was very nice ) she told me it would be three weeks before they were unfroze. After three weeks had passed I went to go check my points and again was met with the same error I was then told that it would be another 3-5 weeks as it was a 6-8 week review. This was over three months ago. I escalated the case from a normal customer service representative to her supervisor and then to that supervisors supervisor. Each one told me that the department that handled this sort of fraud did n't have a public contact so I could n't speak with them, but I find that hard to believe seeing as how AMEX is such a large company. I had then asked to speak with her superior but was told they were n't available for calls and to leave a number for callback. That was three weeks ago and I still do not have a callback. 

Not only have they put a freeze on the XXXX points I had earned, but also on the points I had previously had from a different credit card. 

I simply want to speak with someone to let them know what information I can provide to elevate this fraud issue. I 've had something like this happen with other companies in the past, but they simply just sent out a new credit card.
Consumer complaint received 2016-08-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (IL)

I have written to the company to dispute the debt. I received a response with a print out of a supposedly show of payment and finance fee with only referenced info from 2014. I asked that a complete show of orders and payments with proof of payment via check or credit card and that was not sent. 
I have written to the original creditor who has not responded but they are reporting the debit to the cra 's who keep validating the debt I have asked the cra 's to validate the debt as well. The original creditor is reporting the debt under XXXX XXXX XXXX XXXX & XXXX XXXX on my credit reports
Consumer complaint received 2016-08-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MJ Altman Companies, Inc. (FL)

Mj Altman agency has been reporting a medical debt on the credit report for years. There is an incorrect date of delinquency, and they have NEVER provided validation of the debt. This has been disputed multiple times- at least annually. The company continues to repollute the credit report and change the date of delinquency to extend credit bureau reporting in violation of FCRA. Several years ago, I received a bill that was past due for some kind of XXXX. I called the doctor office as I had never been there for service, and they said they believed the bill might belong to my father, as he has the same name. Again, makes no sense as he has XXXX, and I had an XXXX at the time that paid 100 % of XXXX fees. In either case, there would have been no balance due. Then shortly thereafter the account appeared on my credit bureau. I disputed the account, and the creditor provided no verification. This is impeding my ability to obtain a mortgage, damaging my credit and violating the law.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sat XX/XX/XXXX XXXX XXXX XXXX 39 day late payment to my credit. 
This credit card account was closed XX/XX/XXXX XXXX. Account balance was paid to zero, last payment of XXXX was paid XX/XX/XXXX, this included balance plus interest and whatever fees. Since XXXX they continued charging me interest on an CLOSED account. I kept receiving emails requesting {$3.00} payments, I've paid the XXXX dollars twice XX/XX/XXXX and XX/XX/XXXX despite knowing the account was closed. I wanted to protect the integrity of my credit. I called them several times to fix the issue, however their call center being in XXXX and not having stateside assistance make it hard to communicate. Anyone can see that this wrong and abusive to consumers. I disputed this accounts accuracy with the credit bureaus and XXXX validated and updated the account on a Saturday. How can a dispute be investigated on a sat within an hours time. This account needs to be removed from my credit file so they can stop harassing me for interest payments on a closed account. They reported the account to my credit 39 days late after its been closed for 10 months. This a scam and its outrageous that the credit bureaus allow such abuse of power. My XXXX credit score dropped to XXXX for an illegal {$7.00} late payment mark. I have recorded phone calls to verify. This company is terrible and needs to sued and shutdown. How can a closed account with a XXXX balance accrue interest for almost a year and get away with it?
Consumer complaint received 2016-08-29
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

I leased a brand new vehicle and in XXXX 2016, the vehicle was in a collision deemed a total loss by an adjustor - other party at fault. The at fault party 's Insurance company XXXX XXXX XXXX XXXX indicated they would pay balance in full and complete settlement with Toyota Financial Services. Federated Insurance company paid balance except for {$660.00}. Toyota Financial Services indicated that they were working the settlement out with the insurance company. I never heard back from Toyota regarding the issue and when I called Toyota Financial Services customer service line and input my account information, the prompt indicated " This account is closed '' and that there was no balance. Toyota Financial Services called me on Thursday, XXXX XXXX, 2016 ( 3 months after my last contact with them ) at XXXX XXXX and left a voicemail asking me to return their call and that it was urgent. I called back on XXXX XXXX, 2016 at XXXX XXXX and spoke to a customer service representative who said : " I do n't know why that person called, your account is closed and you do n't owe anything so you can disregard that voicemail. '' I then received a letter stating that I owed the remaining balance on the vehicle. Before receiving this letter, I was never notified that there was an outstanding balance nor was I notified that I had to provide any additional information to Toyota Financial. I called Toyota Financial Services on XXXX/XXXX/2016 at XXXX XXXX and talked to a Total Loss Representative who told me that if I could not provide a copy of an " Evaluation Settlement Breakdown '' and Police Report to Toyota Financial Services by XXXX XXXX, 2016, my account would be charged off to collections. This was the FIRST notification I received from Toyota Financial Services from XXXX to XXXX, and the first notification ever that I needed to provide additional information to Toyota Financial Services, on top of the fact that XXXX of their customer service representatives told me " your account is closed and you do n't owe anything. '' Furthermore, the insurance company representative XXXX XXXX indicated that she told Toyota Financial Services during the settlement that they do not give out copies of Evaluation Settlement Breakdowns, but I was never notified by Toyota Financial Services that there was additional information I needed to provide to them. I feel the treatment from Toyota Financial Services is very unfair, especially the fact that they waited until XXXX XXXX and one week before the charge was passed to collections XXXX to notify me that if I did not provide information that the insurance company was supposed to provide. I also feel deceived because a customer service representative who works with Toyota Financial XXXX 's customer support XXXX earlier indicated that my account was closed and that I did not owe anything, only then to have Toyota Financial Services come back and say I owe {$660.00}.