davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CITIBANK, N.A. (OK)

I applied for a credit card with Best Buy to buy a washer and dryer with 0 % financing. I calculated my monthly payment and made my first one and set up an auto deduction from my bank account. However, they never sent me the actual credit card and they never implemented the autodeduction. I called multiple times to get the credit card, they never sent one. They also never notified me that they were n't taking the monthly payment for my debt. After 3 months I finally receive a letter indicating that my account is closed and they 're reporting me to the credit bureau. I had perfect credit until this time. We sorted out that they had failed to properly implement the auto deduct and I immediately paid them what was needed. Even after acknowledging their mistake they refused to remove this info from my credit report. My account has been paid in full and I owe them nothing, but my credit was severely damaged. Can you help get them to take it off my credit report?
Consumer complaint received 2017-01-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

In XXXX, I obtained a copy of my credit report from the XXXX Credit Bureaus, I reviewed my account for accuracy and noticed an account from Santander that I did not recognize. I sent a certified letter on XXXX XXXX, 2016 for which they signed for on XXXX XXXX, 2016. In the letter I requested proof bearing my signature. I have been traveling for the last month so I am not sure if Santander has responded to my request, however based on the FCRA once a consumer requests records it is the responsibility of of the Creditor to send notice to the credit bureaus that consumer is disputing the debt within 30 days. I have obtained copies of my credit reports and Santander has not updated my credit reports and have violated the FCRA and violated my rights. I do not owe this debt nor do I know what it is. Since they have not updated my report, legally they must remove this alleged debt from all XXXX credit reports. I do have evidence of this and have attached my reports. I will also be filing a small claims suite based on their response to my complaint. 

Please see attached for reports.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2016, i was told by Sam's/Synchrony Bank, my account was compromised. I paid my bill in full as usual, I never leave a balance. I received a new card, called and was told no there was another compromise. I waited and no card came I called several time XX/XX/XXXX about the account. I was never told I had an outstanding balance, was on the phone several times with customer service for over 10-20 minutes each time. Was told each time that the card was still in route. I called back XX/XX/XXXX several times and was told a new card was on the way. 
XX/XX/XXXX I decided to try to activate the card that was sent XX/XX/XXXX, it activated. I have not used the card since activated. I have another Sam 's card that I used and paid in full. 
I was notified XX/XX/XXXX by XXXX XXXX XXXX had a late payment. I called to find out how this could be. I was told I left a balance XX/XX/XXXX. I asked why I was n't told when I spoke to customer service all the times XX/XX/XXXX. They said they did n't do that. I asked why I was assessed an interest charge after I paid in full for XX/XX/XXXX and received no answer. I believe the interest charge should be remove and I would have had no late payment. 
I had perfect credit until this and have asked the late reporting be removed from my credit history.
Consumer complaint received 2016-12-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One has continually tried to keep extorting me financially. In their recent discovery they sighted an error on their part and claim to have adjusted my account by a {$150.00} in XX/XX/XXXX and that at the time of the error my account should have been reinstated and monthly billing statements should have commenced. 

However, instead of reinstating my account for a monthly billing statement to be sent to me monthly, they again falsely claim that they never received payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 ( for the record, XX/XX/XXXX has been paid too ) which are all false and fraudulent. Then, they have asked me to pay them {$1200.00} from know where. Plus, tag on late fees, and something else called " Other fees '' ( XXXX idea what " Other fees '' mean. And, it should n't not be added to me ) As prove, I have attached prove of checks paid, received and cashed by Capital One for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 The same months they claim they never received payment. 

Hence, I ask that Capital One adhere to they following : Remove all late fees charged to my account deliberately by them, as my payments were made and on time for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 Start sending me monthly billing statement to ensure accuracy Credit my account appropriately for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 and send prove of credit applied to the account. 

I strongly believe that this banks actions are intentional. No bank in the world can make this much mistakes on XXXX account unless its intentional. Therefore, the bank can not claim that it was another unintended mistake. Either way, if the bank has this many incompetent people working for them, then it 's worth the XXXX taking a closer look at their practices. I am pleading with the XXXX to really zoom in on this banks activity. My case might and will not be the only case with such challenges. 
Please find attached, prove of payments to disprove their claim of none payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016.
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK (DC)

3rd request ... Astoria Federal Savings bank is still reporting that the mortgage that was paid off in XX/XX/2014 was " Settled for less than Balance '' with XXXX. With your help, the bank has finally cleared up the false reporting statement and correctly removed the negative payment information with XXXX and XXXX. It 's taken nearly two years, and I thank you. The negative information has caused me to be forced into paying a higher rate on my new mortgage by at least .25 % and has prevented me from gaining additional credit on a new credit card.
Consumer complaint received 2016-04-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (MO)

I have paid the debt and I keep receiving bills and phone calls. The account # XXXX has a credit balance that was to be applied to acct # XXXX. These are XXXX account numbers. The accounts were sent to Receivable Solutions, INC. and both agencies refuse to make the corrections. The name of the rep at RSI that I have spoken with that were rude and condescending. I will go into details once I speak with someone from your office. The reps are XXXX ( rude and condescending ) XXXX XXXX rude, XXXX and XXXX.I spoke with those representatives in XXXX, XXXX, and XXXX On XXXX spoke with XXXX a supervisor that saw the problem apologized and stated it would be corrected. On XXXX/XXXX/16 I spoke with the rudest of all supervisor named XXXX and he told me to send a letter to time relations and he was not going to research the issue and I can not speak to his manager or anyone higher than him. The phone # to RSI is XXXX XXXX XXXX. 
In XXXX I also contacted XXXX billing and spoke with XXXX and he refused to transfer me to a supervisor. He was threatening, rude, condescending. He consistently over talked me, and used abusive and profane language. He gave the phone to someone else that said his name was XXXX the traffic director and he would have XXXX XXXX call me. I have sent a letter with a copy of all documentation to XXXX XXXX the Director of Patient Accounts at XXXX her phone number is XXXX and the account still has not been corrected. I do not owe this bill the hospital owes me.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This afternoon, I was stunned to discover errors on my credit report, and I dont understand how they got there. I tried refreshing my browser to see if it might correct itself, but nothing changed. This has left me feeling unsettled, and Im asking for a full review of my documents to finally put this behind me and not have to worry about this in the future.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (AZ)

I have had a morgage with PNC for many years - recently I am going through a bankruptcy and was required to do a modification on the loan as i was behind several payments and needed to get the arrearage put back in loan and perhaps lower the interest I have submitted a XXXX page document with everything required then PNC said that the didnt receive a whole bunch of documents that i clearly had faxed to them so I resent all required documents by certified mail signed receipt required - i received the signed receipt back from PNC after several weeks i didnt hear from them so i called them and they said that they never got anything but that they could not contact me as im in bankruptcy PNC is trying to foreclose on this loan and yet every time i submit documents they say they didnt receive them! 
they also said that they sent a letter to the trustee of the court letting them know what they needed - but the trustee of the court is not the correct place to send that letter - they need to send it to me and my BK attorney they keep saying they cant/ wont talk with me as im in XXXX XXXX my BK attorney has sent them several letters giving them permission to talk directly with me they have now rejected the modification that i submitted XXXX plus pages of paperwork for based on " not getting required documentation " and that i have to resubmit everything frrom scratch eventhough they have a lot of the documentation already on the XX/XX/XXXX there will be a hearing to foreclose on my loan so i am scrambling to get all paperwork together again! 
i can only think that they are either very inefficient and sign for documents that dont make it into the right department, their emploees do ot know what they are doing as the give me incorrect information or they are manipulating things to deliberately prevent me from getting a modification review so they can foreclose i recently made a payment of XXXX $ to start clearing up my arrearage but they show no kind of helfulness at all to help me in the process of getting the documents to them - in fact they make it as difficult as possible every time i speak to someone there they tell me something different -in deed- last week they told me they had all the paperwork / this week they say they didnt get it! 
i left a long message to a supervisor on monday asking for help to clarify things -today is wednesday havent heard back - i refuse to lose my home because of their communication issues i need someone to help me get a handle on the situation
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: MCLEAN MORTGAGE CORPORATION (NC)

I was denied a mortgage refinance for a lower interest rate, VA guaranteed for my personnel property. The decision to deny the loan was based on my credit report. At that time my credit report carried XXXX negative items. XXXX items were paid off XXXX XXXX and the third items should not have been on the report. Currently, all negative items have been removed from the credit report. We dealt with the mortgage company five months ( XXXX XXXX thru XXXX XXXX ). During that period they ran my credit report four times. Bringing my credit score done even more. The appraisal expired, the appraisal fee {$450.00} was non refundable and the low interest rate also expired. A written request was mailed to the mortgage company, recently asking that the inquiries be removed and there has been no response. First, I did not give them permission to run my credit report four times and second because the numerous inquiries lower my credit score, it prevented me from acquiring financing from another institution
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: AFNI INC. (GA)

Afni is currently furnishing innacurate information about me to the the consumer reporting agencies. I have requested full documentation from AFNI of proof that this account belongs to me and they have not done so in the required time limit. I also have repeatedly asked AFNI to provide me their right to collect this debt. This account does not belong to me and I am requesting them to cease all collection activities and remove this negative reporting from my credit files immediately or I will file a legal suit for damaging my credit rating. This is the 4th attempt to get AFNI to comply and they have willful not complied.
Consumer complaint received 2016-07-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I refinanced a loan with Nationstar in XXXX XXXX and every since I have been making Bi-weekly payments and since then I have to send an email through the website on my account to correct the total payment every month. All other financial institutions I deal with accepts biweekly payments accordingly with no issues. Why cant nationstar? They advertise biweekly through there system but I do automatic payments through my bank. I have used there XXXX XXXX XXXX in the past with biweekly payments and the money was placed in full once a month therefore not reducing principle and interest as it should have as advertised. I do n't understand why they cant handle biweekly payments as others do.
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (CA)

Compliant # XXXX The problems continue with Amerihome Mortgage company I they have again failed to process my XXXX payment and now I ca n't make a XXXX payment useless I pay for 2 months now. In an attempt to get away from them my mortgage broker informed me my credit report has been damaged by there failing to process my payment in this summer. This will prevent me from getting refinance. There employee who stated she tried to call me on XXXX XXXX lied and never called me at all. This is criminal to case me personal damage on my credit report and to put my home in danger of default by not posting payment made to them. Please Please help. Below please find the email sent to their staff attorney XXXX/XXXX/16 regarding my XXXX payment not be posted. He contacted me after receiving your compliant. 


Dear XXXX XXXX ( Attorney for Amerihome Mortgage ) I would like to let you know the problems continue with my not being able to make payments on my mortgage due to your system errors. I made a payment on line in XXXX with a manager in your office and discovered the payment has not been registered yet and my XXXX payment is not showing as having been paid. I can not pay my XXXX payment on line as it requires XXXX and XXXX be paid! I spoke with a mortgage broker to refinance to get away from Amerihome and he said you have damaged my credit report by stating my payment was 30 day past due. I need to have these issues resolved asap this is absolutely horrible. I spoke with someone in your executive office 2 days ago who lied and said she called me but no message was left on my cell phone and my home phone ca n't take messages. I hope to avoid filing a new compliant with the federal government and to not look for additional regulatory assistance with this important matter. I can be reached at XXXX XXXX XXXX XXXX. I need to have my XXXX payment posted and in order to make my XXXX payment and to have my credit cleared.
Consumer complaint received 2016-07-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Management Services, Inc. (CA)

I paid my medical bill in full XX/XX/XXXX. I started receiving phone calls stating that I had paid too much, and that I needed to submit a separate payment to reach the total. I have been receiving phone calls since XX/XX/XXXX, and with each call I request that they send an invoice to validate the debt. The phone calls increase in quantity and hostility.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (SC)

Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. 
This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes 4 or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, in XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them to not get simple problems resolved. 
They 've already made one mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. 
I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved. 
I previously submitted a complaint ( Case number : XXXX ), and they never contacted me. They did respond to the CFPB, claiming that they were unable to reach me. This just reinforced my suspicions above - this is not an organization that is interested in actually getting anything meaningful accomplished - they are a bunch of amateurs that are wandering aimlessly and randomly picking individuals to make their lives difficult. I DO NOT WANT TO DO BUSINESS WITH THIS ORGANIZATION ANY LONGER and I hope that the CFPB can offer a way out and recourse.
Consumer complaint received 2016-12-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

I pay on my account 01 to 08 month of 2016 toyota motor credit have dramge my credit with negatively mark on credit so i can not trade my car i had 5 month left on lease every dealer ship i with to had hard time get information when they call and went they look at transunion i had now if i pay a lease car for 10 month they would have came got call they just do want see me trade car they close my account and did want me to pay on it .i still have car we going court this was a lemon car deal for new car to shut me up now i having problem 5 month left i have paper from attorney General of they violation on that i trade for lease i did want to lease and i did have good credit to lease
Consumer complaint received 2023-12-29
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. (FL)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX AND XXXX XXXX Balance Owed : {$460.00} CREDIT COLL ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX Balance Owed : {$90.00} XXXX XXXX XXXX Balance Owed : {$0.00} ELEVATE XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TN)

i requested my credit score in XX/XX/XXXX and was told that I had to submit to providing information to show who I am. I have submitted my state id and my social as well as my address. I have yet to receive my information. Instead they have placed me on credit fraud alert and sent me the information for me to send again
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

First, I would to express my thanks an appreciations to Ditech Financial, LLC, CFPB, the senator 's office, the court and law offices the lawyers that have work so hard and continue to work in my interest believing in the United States ' justice system because it works and it 's one of the best justice system in the world ( I can attest because even though I 'm denied a " QWR to H.A.R.P modification request, the judges that have looked at my case have a cursor on the broken statue relating to my QWR request, but yet find prudence to bring about closure around justice denied in my case ). 
My complaint is thus : When my H.A.R.P modification decision be reach. If Ditech Financial will begin requesting the very same document/s submitted to as XXXX out of the range of what the law permits as in the XXXX XX/XX/XXXX case when XXXX ( XXXX ) represented me for a modification. This time during a recorded conversation on XX/XX/XXXX, Ditech reported that a " QCD/DD '' was the only data needed to be submitted to complete my file ( " Your file was rejected by underwriting pending the document '', the representative reported. Once received, the file is completed for underwriting result. 
This concern is a proven fact that is conspicuous in my case-file ( a fact that the bank/s and its ' entity will request for a document, and when one follow-up, the finding will be that the data was not admit receipt ). The next instruction after a document/s follow-up -- is to resubmit same multiple time despite an admitted conformation of the document/s date, time and station receipt. 
At this stage in the modification process, I 'm advice to undergrid the bank/s deceptive strategies in the banks ' written rules employ outside of the law that works. The act of an ongoing request for document/s and multiple resubmit requests to delay the time -line to process and reach an intervention within the Federal regulation parameter that works needs attention. Underwriting is the resisting department of moral laws vs rapacious/predatory knack to continue the delay schemes with an ultimate end being the very foreclosure that was to be remedy. 
Attached, please find copies of communications between XXXX, the court and my lawyer/s which are self-explanatory that is already part of the record of this rapacious skills, which include but not limited to : 1. Listing of requested Data QCD/DD dated XX/XX/XXXX 2. Email : XXXX XXXX XXXX XXXX motion granted to request modification ( Result : H.A.R.P modification to no avail ) 3. XXXX - confirmation for modification, etc.