davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (PA)

I took this loan out with americredit financial thru the car dealer XXXX in XXXX, pa. The loan was taken over by GM financial. I made my payments. When the loan was drawing to a close, they said i owed twice as much as what was actually due on my car. I questioned this when the loan was transferred from one company to the other, and no one would respond. Towards the end of my loan, I was also involved in a XXXX situation, that, given the amount they said I still owed on this loan, there was no way i could continue to pay it. The person i was involved with hacked my checking account and ran my account negative XXXX dollars. I had no choice at that time but to let them reposses my car enlight of everything.
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at Transunion, XXXX and XXXX. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I checked my TransUnion credit report, addresses listed for me included XXXX I had never lived at, although my daughter and her husband had lived at XXXX some years back, and my son had lived at the other when he was in the XXXX, again years ago. I disputed the errors online. Sometime later I got a form letter in the mail stating " Here is the ... report you requested. '' They had removed XXXX address, but not the other ... no explanation why, of course. I tried to dispute online again, but for whatever magical reason, their system would n't let me. So, I downloaded the mail-in form, filled it out asking them to please remove the incorrect address, and also included a copy of my deed with a request that, while they were at it, could they correct the date at which I moved into my current address from XX/XX/XXXX to XX/XX/XXXX. Some days passed and I got a copy of the same credit report in the mail, no changes, with a form letter stating " Here is the ... report you requested. '' No mention of the dispute. I called their contact phone number. I asked that the incorrect address be removed ( I abandoned trying to correct how long I have lived where I live ). The representative said the error would be fixed. A few days later in the mail I got the same report, same form letter. Acting like an idiot, I called again. Again I was told that the erroneous address would be removed. Guess what I got in the mail today? This is a very simple problem. They ca n't fix it. Yikes!
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I am sending in a second request to Experian for my free credit report - I completed the annual credit report form I down loaded off the annual credit reports site as I do every year and mailed in and ever year Experian comes back saying they can not fine me and like now there letter says I did not provide the required information yet I have my information from the other XXXX. It seems that every year they do this to me and I send back a letter with a copy of the completed from and threaten to notice the FTC and you about this - all of a sudden they find me and provide XXXX copy - so my question is why do you allow them to get away with this - I just want my report I do not want my score etc - but every Experian does this
Consumer complaint received 2015-03-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I have a plumbing leak in my hall bathroom. I contacted my homeowner 's insurance company XXXX XXXX XXXX XXXX and filed a claim. Today I have found out that the check they issued is to me and Seterus, the mortgage service. In order to cash this check to complete the repairs to my bathroom I need Seterus to endorse the check. Upon contacting Seterus, they said we need to file a claim with them for the plumbing and water damage as we did with our insurance company. They will send out paperwork to be filed out by us and to allow 5-7 business days for us to receive the paper work. Then we need to send them back the paperwork along with the check so they can endorse it. Once they have received our claim and the check, we need to allow them 3 more business days to review our claim and endorse the check. Then they will mail it back to us and we need to allow additional 5-7 business days to receive it. This process which was started on XXXX XXXX with our initial call to the insurance company and has already taken 3 weeks and been extended by an additional 4 weeks because of Seterus, the mortgage servicer. I have no guarantee that I will even receive everything back by the week of XXXX XXXX. In the meantime we do not have full use of our hall bathroom for now a minimum of 7 weeks plus whatever the amount of time for contractors and plumbers to be able to repair the pipe, walls and tile. This is an unjust way to do business and I feel the practices of Seterus need to be investigated.
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

I have a number of accounts with Synchrony Bank. I have opened complaints before concerning this same issue but it has evidently not been resolved by the bank. First- when they call they call as " UNKNOWN ''. I do not answer unknown calls. Secondly when I call back or call them they ask for an account number? WHAT account number I have a minimum of XXXX opened by retailers who use the same source which I do NOT like. I owe it all to XXXX company. Next their automated system does not work, rarely works and almost always forces me to switch to a live person who supposedly speaks English but CAN NOT COMPREHEND IT. Next rarely can you get a manager if ever. Then I get late fees or charges because the payment is past due. In my opinion I find this as unbelievable yet the state of affairs in this nation today. I asked for Customer Service and after multiple attempts they hung up. Wow and you -respectfully- are evidently a hollow shell who can not do anything but state you help consumers.
Consumer complaint received 2015-03-25
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (TX)

I am extremely upset that a collection agency called my family members and employer after they had my correct contact information. XXXX XXXX XXXX from United Recovery Systems XXXX ext XXXX left a message on my cell and then proceed to contact my family members and work. He did not give me an opportunity to call him back after XXXX message. I spoke with his manager to notify him that that was inappropriate to contact my family members.
Consumer complaint received 2016-02-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I visited TransUnion 's website after my dad 's house was broken into in order to protect my identity after a computer with my data was stolen. I entered financial information that I thought was relavent to protecting my identity. TransUnion 's website emphasized that this services was FREE in all capital letters. At the end of the process I was charged {$1.00}. I was frustrated that this was n't disclosed prominently or in some sort of checkout page, however I assumed that this was a one-time charge like what the post office charges for changing your address online. I did not know, because of the absense of a checkout page, that TransUnion would charge me XXXX dollars a month for their service. This charge was also not prominently displayed in their monthly emails but rather hidden in fine print on their website. I contacted customer support and was refunded less than half of the charges. I was transferred to a supervisor to get the remaining charges refunded and was rudely told no. I asked to speak to their supervisor and gave my phone number. This became a game of phone tag but I could not get through to them when I attempted to return their calls. They left me no extension to reach this person. I am requesting a refund in the amount of {$36.00} -- the remaining charges that TransUnion made on my account. I also ask that transunion display this as a clear monthly charge on a checkout page instead of misleading consumers with FREE in all capital letters. I requested this through the XXXX however they were unable to encourage TransUnion to refund the charges. I also found on the XXXX website that other consumers have had problems with this service. Thank you.
Consumer complaint received 2016-02-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OR)

My mortgage company is reporting that I have late payments during the time they were processing my modification. ( XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 ). I did not make late payments, I made all payments before they were due. Please see my attached supporting documents.
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX/XXXX/2015, I called Capital One to inquire why my card repeatedly declined. There had been a hold placed on the account regarding charges it felt could be fraudulent, but I had made the charges. I spoke to XXXX, an account specialist who lifted it after verifying pertinent information, and who said he 'd lift the hold, but it was n't lifted. I called back, but I could not remember my password, as I just get out XXXX two weeks ago, after having a long stay. I spoke to XXXX and subsequently XXXX who put me through the ringer, doing verification, passing all questions ; and, yet, they still demanded I send in proof of who I am, though by at that point I had remembered my password and it was verified. I went through a long verification process and passed, though XXXX LIED and said I did n't. I HAVE NEVER LIVED IN ARIZONA, SUCH QUESTIONS LIKE THIS WERE ASKED!! This is nothing but harassment. I just got out XXXX, and I am still very sick. XXXX had the audacity to tell me go out and apply for a state ID, as in NY you are not required to have a state ID. Here I am, sick, and this XXXX tells me to go get a state ID and send that in, after she had put me through a very long, longer than usual, verification process!!! This is nothing more than senseless harassment and ABUSE from these XXXX dogs, because they, literally, uncalled for, put me through XXXX! This is why I am filing a complaint, because there is a hold on my account and it is totally unnecessary, because despite repeatedly telling them and the notes showing XXXX verified who I am and was supposed to remove the hold, but he did n't who the system failed, they would n't budge.
Consumer complaint received 2015-12-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (VA)

After the financial institution closed my savings account which was used a overdraft protection, charged me enormous amounts in returned item fees - they transferred all the monies that were in the Savings account to checking. If this action was taken before all the fees were incurred, I would not have been charged {$280.00} returned item fees. This is clearly poor accounting procedures. This also proves the bank 's action were for capital gain only. The bank has yet to prove the Savings account that was closed exceed the XXXX per month transaction by law on a habitual basis.
Consumer complaint received 2016-02-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

well my concerns is about my credit I have problem with the capital one bank they send me to collection I open I count with capital one bank 2004 in XXXX uta they give me XXXX dollars for credit I never finish the pay after I closed my account I thinking capital one bank discriminate me inspector general I need help thank
Consumer complaint received 2015-03-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc. (AR)

I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX in college and did not get my XXXX credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
Consumer complaint received 2015-03-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (AL)

I called and asked Navient to stop robo calling me and my cosigner 's phone number because I was XXXX days late on my XXXX. I told them what date I would be making a payment and tell me that because it is an automatic dialer they can not stop the harassing phone calls. 

I just want them to stop calling. Can I get some assistance with that?
Consumer complaint received 2016-02-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (CA)

I had a medical bill of {$540.00}, in which I was overcharged from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I called the billing dept at ( XXXX ) XXXX and they agreed to reduce it to {$270.00}. I paid them right away to clear up the bill to get a piece of mind! 

On XXXX, XXXX, I went to XXXX XXXX XXXX XXXX open a checking account and to apply for a credit card. 

On XXXX XXXX, XXXX, I received a denial letter from XXXX XXXX XXXX due to a deliquency, which was listed as the collection account I had already paid for. 

I requested my credit report from XXXX on XX/XX/XXXX, and I found out that Syndicated Office Systems ( whom also goes by Central Financial Control ) put my account to collection. I called the phone # listed within my credit report, ( XXXX ) XXXX, and was told my account was " settled in full '' and had a {$0.00} balance. I requested them to mail me a letter. 

On XXXX XXXX, XXXX, Central Financial Control sent me a letter to confirm that my account was " settled in full '' and that it would take 30 days to update my account with XXXX, XXXX and XXXX XXXX. I gave this letter to XXXX XXXX XXXX for them to process it again and attempted to apply for a credit card there a second time. 

On XXXX XXXX, XXXX, I received another rejection letter from XXXX XXXX XXXX. They advised me that Syndicated Office Systems ( or Central Financial Control ) NEVER removed my account from collection. 

On XXXX XXXX, XXXX, I called the phone # listed within the letter that was sent to me from Central Financial Control, ( XXXX ) XXXX, & spoke with representative XXXX. He said that his company POLICY will not remove it, even though he understood that I had already resolved the case & had a {$0.00} balance. I requested to talk with the manager & was transferred to XXXX XXXX. I had to leave a voice message on his voice mailbox because he was not available at the time. 

On XXXX XXXX, XXXX, since I NEVER received any calls back from XXXX XXXX or any one at Central Financial Control, I decided to call XXXX XXXX Billing Department at ( XXXX ) XXXX & was advised that Syndicated Office Systems is in charge of handling all medical billing. They could not see my account information within their computer system. 

It worries me that if the hospital or medical center gives Syndicated Office System or Central Financial Control too much power to access to their patients ' information from their computer systems, then who knows what they can do with the patients ' confidential information?! 

I attempted to make another call to Central Financial Control and spoke with representative XXXX, who then transferred me to XXXX XXXX # XXXX ( floor leader ). He advised me to fax a letter to " Inquiry Resolution Service '' at ( XXXX ) XXXX to seek for help, but he DOUBTS that they will remove my account from collection.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I had an automatic payment setup with Citi over the phone with an agent. The auto payment worked well but for some reason it never took the payment on XX/XX/2014. and it resumed back again. Contacted Citi but there was no response. This is showing as negative remark on my credit report and affecting my credit score. 
Appreciate if this can be removed.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I am presently working to refinance my XXXX Mortgage and in the process it has come to my attention that my servicer ( OCWEN ) seems to employ a potentially unfair and deceptive practice when it comes to managing my escrow deposit. I was asked by the prospective lender to provide proof that the taxes were paid. I was embarrassed to learn that despite having the funds meant to pay for the taxes taken out of my escrow account on the XXXX of XXXX, the County Tax Collector has yet to receive the funds. As a result I can not substantiate that the taxes have been paid as of this writing. While the tax payment will not be delinquent until the XXXX of XXXX, I am out the funds and the taxes have not been paid. I assume the funds are sitting in the servicer 's transit account waiting to be paid and have been for at least 10 days. I phoned Ocwen this morning and spoke with the Call Center in XXXX and they informed me that the funds were sent electronically and they will research the matter. 

FURTHER HISTORY : Remember the funds were withdrawn from my escrow account on the XX/XX/XXXX. I spoke with the County Tax Collector today XX/XX/XXXX, and they informed me that my current payment remained due. Further, last year the County collected the tax payment from the servicer 2 days before the penalty free due date XX/XX/XXXX. Out of curiosity I traced the payment history back to the servicer statements covering my escrow account, which are available to me on the website and they show the money came out of my escrow account a full month before it was remitted to the County in XX/XX/XXXX. Presumably Ocwen saved some interest expense by taking the funds early and remitting them at the last minute.. 
The tax division here in XXXX County indicated that over the past few years my servicers habit has been to pay 2 to 4 days before the penalty free due date. While the servicer changed in the last couple of years from XXXX XXXX to Ocwen I can say for certain that Ocwen removes the money from my account well in advance ( 30 days ) of paying the funds to the County. 
This is very interesting and it appears that they have a systemic process which allows them to remove funds from the customer impairing the customer 's flexibility and taking away 30 days interest at the same time. While this may be a small amount of interest to any XXXX customer it would seem to add up to a big cost savings to Ocwen. 
For purposes of closing my refinance transaction it may end up that I will be delayed or have to pay the taxes out of pocket to close the transaction. I have an interest rate lock that will soon expire, and it may end up that I am forced to pay the taxes twice to preserve the substantial value of the rate lock. 
I was surprised to learn this, but at the same time would expect that this is a practice that is engaged in on a wide scale by many servicers.
Consumer complaint received 2015-12-08
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

Last month I was approached by the local branch manager to use XXXX Wells Fargo 's products. I was not interested but after serval attempts I agreed to sit down and listen to what Wells Fargo has to offer. I purchased a house cash and was told to apply to a zero fee home equity loan@2.99 %. That sounded good and I proceeded although I really did n't want my credit pulled just to try, I was assured since I have a XXXX credit score and XXXX the loan amount in a savings account with Wells Fargo that this will be very quick and easy. It has been XXXX since I applied, I have spent more than 40 hours preparing documents sending documents and treated like I was a criminal. This has been the worst experience in my life!!!