davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Consumer Portfolio Services, Inc. (OH)

I purchased a vehicle in  XXXX  from  XXXX   XXXX , they sold my loan to a third party finance/debt collect or Consumer Portfolio  services my interest rate is  XXXX  with  XXXX  per diem. This has caused any trade in to be  XXXX  negative and no one will refinance the loan because of the how much I ow e (  it is still at  XXXX  and I purchased it for  XXXX  ). When I extended my loan due to hardship I was not informed or told how that would negatively impact the loan even more. I believe there was misrepresentation, deception with this loan not to mention all of the phone calls they have sending to m e three and four ti mes a day every day. My principal payments have been very sporadic if any. This company had a class action suit in   XXXX   for the same reasons I am stating.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I AM A VICTIM OF IDENTITY THEFT AND ALL THREE OF MY CREDIT BUREAUS XXXX, EXPERIAN, AND XXXX HAVE BEEN SENT A COPY OF MY POLICE REPORT FOR THE IDENTITY THEFT NUMEROUS TIMES AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT ITEMS, THE LATENESSESS THAT WERE CAUSED BY THE FRAUDULENT ITEMS, THE FRAUDULENT INQUIRIES, ECT ... I HAVE SENT THEM THE POLICE REPORT, THE FCRA 605B STATING THEY MUST BE REMOVED WITHIN 4 BUSINESS DAYS, A COPY OF THE FTC REPORT OF THE ID THEFT, A COPY OF MY CREDIT BUREAU REPORT WITH THE ITEMS THAT ARE FRAUD CIRCLED, A COPY OF MY ID AND BILLS TO PROVE ADDRESS, AND THIS HAS GONE ON FOR THE PAST YEAR AND THEY STILL HAVE NOT REMOVED THE FRAUDULENT ITEMS AS DIRECTED BY ME AS FRAUD, IT HAS DIRECTLY AFFECTED ME GETTING LOANS AND ECT. IF THEY ARE NOT REMOVED AND MY SCORES ARE NOT ADJUSTED PROMPTLY I WILL HAVE TO HIRE AN ATTORNEY AND TAKE ALL BUREAUS TO COURT.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

On XX/XX/year> I had a check that was " white-washed '' out of a USPS postal service drop box. The check was made payable to XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00}. The check was altered, poorly, replacing the payee to XXXX XXXX XXXX and adding a " XXXX '' to increase the amount to {$11000.00}. The check was visibly altered and PNC failed to have the internal controls in place to decline the check ( nor did they contact me ). Once we were aware of the fraud, we contacted PNC who said they were mailing paperwork that we would need to complete to have the funds returned. Due to the amount, I asked if we could expedite and they instructed me to complete the paperwork at a branch. I personally went to the branch the " same day ''. I was told the return of funds could take up to 120 days. After receiving no update, I contacted PNC on or about XX/XX/year> - per XXXX, I don't see any updates and will escalate. On XX/XX/year> I was contacted by XXXX from Executive Client Relations. I was told that they would need five days to receive an update from her " service partners '' ( i.e. colleagues ). I asked that they place a phone call to the appropriate individual or department to request an update- this request was declined. I received a follow-up call on XX/XX/year> from the Executive Client Relations team because they didn't see the signed Affidavit ( which was completed at the branch ), asked if I had a copy, and also informed me that I may need to re-complete. From what I gather, the paperwork was not properly processed by PNC despite multiple phone calls at the outset and personally showing-up in person to expedite the return of funds. On XX/XX/year> I received an email stating " There is no update at this time as we are still waiting to hear back from XXXX. '' PNC, a federally insured and regulated bank, who lacked controls to reject a visibly altered check has shifted the blame to XXXX and it is out of there control. 

PNC stated to me on the phone " we do not have a process in place and are working with our regulators ''.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Experian and TransUnion are reporting a 30 late in my XXXX XXXX XXXX as wrong information. 
I have contacted the XXXX XXXX XXXX  credit card issue and they told me that they have reported to the credit company to remove, but Experian and XXXX is decline to remove the 30 late from a report stating 30 Days Past Due and declining to remove from the credit file.
Consumer complaint received 2017-04-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass pr olonged process to deposit insurance check. I received an insurance check to pay for damage to my home. I went to deposit the insurance check at the local BBVS Compass branch, was told I would need to complete pages of forms and mail the check to Alabama processing. After that it would t ake 10-15 d ays to process and return endorsed check. Real ly? BBVA Compass g ets to hold my check for almost a month?? In the meantime I 'm  out $ 12,000+ in  personal funds. Ouch.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (FL)

We received a letter from  Receivables Performance Management s aying we owed {$97.00} for an outstanding bill from  XXXX   XXXX   XXXX . We called  XXXX   XXXX   XXXX   cell service  and  XXXX   XXXX   XXXX   XXXX   XXXX  and both said we do not owe anything to either division. We are concerned our credit rating will be affected for something  XXXX   XXXX   XXXX  states we do not owe.
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

This is my second CFPB complaint about Midland Credit, I am now providing further proof that they have been mishandling my garnished funds. I would like a complete payment history from XX/XX/XXXX to the current date. I have asked for this simple request 3 times, and have yet to receive it. I believe as a consumer, I have a right to see how Midland has applied the funds they have received. My paystub garnishments do not match the amount that they are crediting and I am fully aware that there is a {$12.00} sheriff fee that is taken out first. Most of the amounts still do not match. I am enclosing a copy of my last two paystubs as well as Midland 's online account record. You can clearly see that neither of the garnishments have been credited to my balance, in fact the two paystubs, XX/XX/XXXX had a garnishment of {$200.00} and XX/XX/XXXX had a garnishment of {$2200.00} for a total of {$2400.00}. Midland has a credit of {$640.00}???, which is probably amounts the know they have not previously credited and are trying to cover up. Where is the {$2400.00} that I have been garnished for? Please also note that my YTD garnishment as of XX/XX/XXXX totals {$6600.00}, and Midland 's YTD application of funds only totals {$4400.00}. They have had plenty of time to credit these funds, but continue to play games with my money and further they have failed to provide me with the proof of my complete payment history which is most likely to cover-up for their misapplication of my funds. I am asking again for the complete payment history, and an explanation of the amount of daily interest accrual they claim I owe, and a calculation as to how they arrived at that figure.
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA/HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2018-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

My deposit was approved then taken back and being held for 15days the deposit was made 3 days ago and now XXXX XXXX AS LONG AS ND XXXX XXXX DECEITFULLY BIAS & PREDJUICE BANK XXXX. have put a hold on my MOBLIE for 15days this is not a check this is unc as lied for I was told by XXXX XXXX they have not even prevented the money order for payment is demand proof this money order was processed and presented for payment and not just being held deceitfully. Send proof to my email showing this instrument was present for payment 4 days ago ...
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

CRA/HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Mortgage company paid for homeowners property insurance twice the wrong amount in excess of {$7600.00} after I instructed them not to issue check because the final amount of the policy wasn't known yet. Mortgage company issued check for {$5400.00} on XX/XX/XXXX. Then issued another check on XX/XX/XXXX, same policy, for {$5400.00} The actual cost of the policy was {$3100.00} This resulted in s shortage of {$7000.00} which the mortgage company intended to collect from me. In reality, As of today, XX/XX/XXXX, I should have an escrow balance of plus {$1300.00} Mortgage company has increased my monthly payments from {$650.00} to {$1400.00} starting on XX/XX/XXXX. Then, on XX/XX/XXXX, the company that provided the homeowners policy refunded the over payment of {$7600.00} to the mortgage company which has NOT credited my account. This problem has been going on now for three months. I need your help.
Consumer complaint received 2017-04-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On Saturday   XXXX   XXXX   I used my debit card at a   XXXX   ATM machine and also mad a gas purchase and food purchase as well. This was the last time I seen my wallet and cards in my physical, I didnt realize until sunday night that I did not have my credentials and check my online banking and realized some fraud charges were made to the account that I did n't authorize. I file my claim with citizens bank and from the jumb they made me feel guilty because they said the account was a fairly new account, and now because of this i feel like im not getting proper results and customer service. I spoken to about  XXXX  different ppl and they have all told me different things, then I was informed when I went into the bank today that they have dismissed my claim. I know have  XXXX  different claims numbers because I reopened the claim ... ... ... I spoke with a lady named  XXXX  who is a a lead supervisor over a debit card claims debt, she has been very agressive and unprofessional to me, if you do your research and hear all the calls I have placed with citizens bank because they are all recorded these ppl are mean and rude, and really made me feel bad about having a new account with this bank.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

First, I would like to acknowledge that Im a proud customer of Wells Fargo. Over the course of this past weekend I have had two separate phone calls resulting in lengthy conversations with customer service representatives which escalated to me having to speak with their supervisor. Beginning on Saturday XX/XX/XXXX, my checking account was reflecting a positive balance of about {$270.00} according to my banking app. I had pending transaction for XXXX XXXX at the time so to be sure I called Wells Fargo customer service for more detail and to see if the pending transaction was reflected into my available balance so my account would not be overdrawn. There were only two merchants I was specifically calling about which was a XXXX XXXX and a XXXX XXXX company to see if they had received their funds. The representative told me that those two merchants have received the funds and is posted to my account. So according to my Wells Fargo banking app, my account was reflecting an available balance of about {$150.00}. I had them transferred funds from my savings to my checking for about {$180.00} to cover a payment for {$280.00} for merchant XXXX XXXX. My account was still reflecting a positive balance. However on Sunday XX/XX/XXXX, I notice on my banking app that my account is overdrawn by $ XXXX At this point I call the customer service number and have to speak to a supervisor who couldnt explain why this has occurred and only offered to advice on to set up payment arrangements in the future with merchant I intend on paying, and to call back the next day when the overdraft fees occur and see what they can do to reverse it. Then Tuesday XX/XX/XXXX after I notice all the changes to my account, I see a negative balance of about $ XXXX. I called back and explained my situation with the supervisor and she tells me that theres nothing they can do and I have a bad history with overdrawing my account so they can only reverse 25 % of those {$70.00} worth of overdraft fees I was charged. In addition to the $ XXXX that was not supposed to be. I was given misleading information from the customer service department which caused me to think I had a certain amount of funds in my account and them charged double the overdraft fees. They also had the nerve to tell me that if I want my money back then I should file a claim. This never would have happen if I were told truthfully what my available balance was and what was pending and posted and so on.
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Thunderbird Collection Specialists, Inc. (NV)

Today XX/XX/XXXX the Collection Agency known as Thunderbird Collection Specialists, CRS XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ phone XXXX XXXX XXXX called me in a very loud and abusive tone of voice demanding in payment of debt TCS filed in XXXX in my Credit Report. The debt originated from the Landlord failing to comply with the apartment amenities as per Leasing agreement. Several complaints were filed against this Landlord and are found on line. 

I told TCS CRS XXXX that TCS have filed the debt in my Credit Report on that year of XXXX mailing all correspondence to my address. Therefore, CRS decision to demand immediate payment calling me is ILLEGAL and constitutes a desire to harass me at my home.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX   XXXX   XXXX   XXXX   has been receiving verification of late payments on a closed  XXXX   XXXX   XXXX   XXXX  . Account closed in   XXXX  . I have given repeated letters to   XXXX   XXXX   on the verification in writing my payment history.     XXXX   XXXX   XXXX   I submitted a written notice of legal action due to the repeated request of written verification. I received a called on   XXXX   XXXX   XXXX   from a   XXXX   XXXX   XXXX   Representative stating that he will research.   Yesterday on   XXXX   XXXX   XXXX   I received a call from  XXXX   XXXX   XXXX  stating that the payment history is correct. I asked will I get a written verification of my payment history it was denied. The representative stated that a letter was written stating that his team research was correct not payment history to be verified.
Consumer complaint received 2018-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Continental Services Group, Inc. d/b/a ConServe (ND)

Since XX/XX/XXXX, I owed the U.S. Department of Education {$14000.00} on a student loan. I have been making payments, including deferred payments. ByXX/XX/XXXX, {$9000.00} had been paid off. 
SinceXX/XX/XXXX, a debt collection agency for the Department, Conserve, has been taking payments offset by income taxes every year, includingXX/XX/XXXX. 
By now, this debt should have been paid off. However, I still owe {$2200.00}!
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Consumer complaint received 2018-03-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC. (VA)

i have been requesting and trying to work out payment agreement with Educational credit management corporation for years with no resolution now all the payments that I have made over the years were not applied now my taxes were sent to this company when i was told this company no longer has my account when you start to dispute companies they transfer your information to other companies which makes it harder and harder to dispute and you are steady been charged ridiculous interest on the account. I received a letter XX/XX/2016 that this company will no longer hold any monies per federal law. please explain this to me.
Consumer complaint received 2017-04-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (ID)

A loan was opened to purchase an  XXXX  on installments thru  XXXX .  XXXX  finances the phones via  Citizens One.     Order  #  XXXX  was placed on  XX/XX/XXXX  with  XXXX .   Due to issues activating the phone on  XXXX   XXXX  I cancelled the order and  XXXX  issued a full refund on  XX/XX/XXXX  . Citizens One op ened an installment loan for the purchase amount.  Loan #    XXXX  and began billing my credit card for monthly installments. I was bill ed 3  consecutive months for a phone that was already fully refunded back in   XXXX  . I was able to have payments stopped the end of   XXXX   and hav e Citizens One iss ue a refund for payments made. At this time I was ensured that the account was closed. On   XXXX   XXXX   I received a final notice from  Citizens One tha t the above mentioned loan is delinquent and will be closed for non payment. And my file would be reported to the credit bureaus and collection was to be made. I called  Citizens One  on  XX/XX/XXXX . Spoke with rep who told me I would receive confirmation within  48 hours.  Nothing happened. On   XXXX   I called and spoke with  Floor Supervisor   XXXX  who insured me she personally will resolve the issue with their escalations department withi n 24 hours.  She gave me a claim #  XXXX  as reference. After 5 days again nothing happened. I called again on   XXXX   and spoke with  XXXX  who again said escalation is working on it and I would hear back i n 3-5 busine ss days. Again the  Time has  elapsed and nothing. I would like this resolved as I do not owe  Citizens One any   money and do not wish my credit to be negatively affected by this situation.
Consumer complaint received 2024-11-04
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-02-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (UT)

Im writing to you today hoping you can stop the bank from taking the house that has been in our family for over twenty years. My mother was living in the home when she passed away and left it to me. My brother and I worked hard to pay off the mortgage, but this past year has been difficult. 

Rays struggled with medical issues, being on a fixed income myself, and XXXX  XXXX, I did what I could to make up the difference. I repeatedly tried working with the bank, explaining the situation, but it was a slow process and when I was finally able to get caught up, they told me it was too late. They demanded the full amount, and wouldnt take any more mortgage payments. The fees and these payments just kept to piling up.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (TN)

Was told they would put two payments and the end of my loan. After my wife was stranded at a soccer field  for XXXX hours after repo with a XXXX year old and a XXXX year old and contact was made next day they told me the the extension was denied and vehicle was repoed
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2015 XXXX XXXX XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA