davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (TX)

Brief Description:1. On XXXX XXXX, XXXX I received a Notice of Intent to Accelerate and Requirement of Strict Compliance from Santander. The notice gave me until XXXX XXXX, XXXX to pay {$960.00} which was the past due amount. 
** I need to know how many days does the State of Texas allow a consumer for a Right to Cure Default Notice2. I was n't able to pay the above amount. So I contacted Santander and set up a payment arrangement and was advised that my vehicle would not be repossessed. On XXXX XXXX, XXXX my vehicle was repossessed 3. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I made several calls to Santander in attempt to returning my vehicle but I was unsuccessful. 4. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back. 
5. On XXXX XXXX, XXXX the Bankruptcy was dismissed6. I waited to receive a Notice to Cure from Santander so that I could pay the past due amount but I never received one. On XXXX XXXX, XXXX I received an email from Santander offering a 50 % settlement that 's good for 60 days XXXX XXXX, XXXX. I called Santander on XXXX XXXX, XXXX and agreed to a settlement of {$10000.00} good until XXXX XXXX, XXXX. I asked for it in writing but Santander refused. They told me to call back once I had the money and then they would provide a letter. 
7. In XXXX XXXX, XXXX Santander repossessed my vehicle from a XXXX parking lot. I contacted Santander but they would not return my vehicle. 
8. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I also received, via email, a settlement agreement with repossession fees included good until XXXX XXXX, XXXX. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back. 10. On XXXX XXXX, XXXX the Bankruptcy was dismissed,11. I had n't heard from Santander. On XXXX XXXX, XXXX I sent Santander a Demand Letter. On XXXX XXXX, XXXX Santander declined my settlement offer. I was informed that Santander sold my account to XXXX who then transferred the account to XXXX XXXX XXXX. I have tried to contact XXXX but I 'm transferred to someone 's voicemail and I 've never received a callback.
Consumer complaint received 2016-06-02
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NH)

an incoming call from XXXX keeps calling me ... .5 times today alone ... to tell me that I am the recipient of a {$9700.00} grant from the US Gov't. They offer XXXX options to receive the money. Transfer to your bank account, transfer to a prepaid debit, or pick up cash in person at any MoneyGram location. They were persistent that I choose XXXX, or secondly a Walmart location??? They gave me a grant confirmation # of XXXX and told me to immediately call the senior accounting manager at XXXX. They also inform you that it takes XXXX to 40 mins to complete this call and transaction to get the money " approved ''. No less than 15 times, they stated that the Gov't wants me to have this grant money and that because it Is a grant, I do not need to pay this money back ... ..I then decided this was getting too fishy and declined their offer. They have since called 3 more times ( I did not answer ) after I was adamant that they place me on a do not call list.
Consumer complaint received 2016-09-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neighborhood Assistance Corporation of America ("NACA") (LA)

Upon becoming a member with the naca organization my realtor was aware of homes i could afford. While viewing homes i was informed i that i was eligible for a home that was shown to me. I then proceeded to the next step which was paying the expense of all inspection cost. Which came out to be a total of {$640.00}. A break down of {$320.00} towards building inspection, {$220.00} towards plumbing inspection, and {$95.00} towards termite inspection. With such disappointed, shortly after i was informed by XXXX XXXX XXXX that i could not be approved for that home. I also inquired about receiving a refund of my membership fee of {$30.00} dollars.
Consumer complaint received 2016-09-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (DE)

XX/XX/XXXX I called Toyota Financial Services to discuss my lease end options. At that time, I was told by a manager within the Customer Loyalty Team, that since I had XXXX Toyotas in a row, that my disposition fee at lease-end could be waived. I was told that all I had to do was call in to request this, after I received my final bill. Since that time ( see letter ), I have spoken to XXXX-XXXX people in various departments, had to explain my issue each time as I was blind transferred, have been hung up on, talked over, and interrupted. I have been told that if the fee waiver had been notated on the account then it could easily be adjusted, or that if only this was my XXXX Toyota - than they could waive my fee. I have even had my integrity questioned. Requests to speak to a Manager were denied, manager callbacks were promised and never occurred, and the one person who I spoke with that actually acknowledged themselves as a Manager provided the worst service of them all. I am only seeking Toyota Financial Services stand behind what one of their leaders told me would happen, and they waive my disposition fee. I have asked them to locate and review the call ( outbound call to me in XX/XX/XXXX ) and was told that not all calls are recorded. I was assured the fee could be waived, and now nobody wants to stand up and do the right thing. Had I known this, I may have decided to trade the vehicle in, as opposed to ground it - as a point of reference, the car was a XXXX mi lease with only XXXX miles on it, worth more than the residual.
Consumer complaint received 2017-02-19
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CURO Intermediate Holdings (TX)

( incorrect issue type, could not find appropriate heading ) I paid off previous loan # XXXX on www.speedycash.com with a one time payment by debit card. I was unaware that this action would automatically save my debit card to the account for future use. Therefore when i renewed the loan, the debit card, in addition to my banking infowas listed in the loan documents. The loan documents indicate a saved debit card will be processed " early in the morning '' on the due date. Although I feel this is not a good practice being all financial institutions do not post direct deposits at the same time, my issue is that the website only allows you to change, not delete the debit card information. This is with a valid ACH bank authorization in place. The loan documents indicate the ACH can be canceled per customer request, but nothing is stated for debit cards.
Consumer complaint received 2016-04-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Associates Loan Servicing LLC (TX)

Notice of Change of Interest Rate On XXXX XXXX XXXX, the Federal Reserve announced their decision to increase the US Prime Rate by 0.25 %. All Peaks loan contracts includes a variable rate tied to this index and therefore, effective XXXX XXXX XXXX, interest rates increased by 0.25 %. The increase in the interest rate will cause your payment to re-amortize resulting in a slightly higher monthly payment which will take effect for any payments which billed after XXXX XXXX, XXXX. 

www.peaksloan.com.
Consumer complaint received 2015-08-25
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ROBERT TIMMS AND ASSOCIATES INC. (MO)

i was contacted from XXXX who left a message stating that they were a process server which would attempt XXXX last time to serve me at my residence ( which I no longer live at ) and also at my place of employment and that if I was unable to be served would report to my county court. If I had any questions to call the debtor at XXXX and give the ref #. I called and was transferred to several people before I got to XXXX XXXX whose direct phone number is XXXX and offered me a settlement amount of {$450.00} as a onetime payment by the end of the month on a balance of {$610.00} or he could divide the payment into XXXX equal payments for a total of {$610.00}. I asked XXXX how did I know that once the money was paid they would not proceed since It was already supposed to be turned over to the county. He claimed that he checked a national database where there had been no filing to the county court to place a judgement and that as long as payment info ( debit, credi card or prepaid credit card ) was placed on file he could stop legal proceedings and the entire {$450.00} had to be paid by XXXX/XXXX/15. I advised XXXX I would not make any settlement without being provided with something in writing. so I was emailed a letter stating that the balance due was {$1200.00} with a settlement offer of {$450.00}. Not the initial {$610.00} that he stated multiple times over the phone.
Consumer complaint received 2024-10-03
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. (KS)

EXPERIAN, XXXX, AND XXXX HAS FAILED TO COOPERATE WITH THE FCRA 16 CFR Part 681 TO REMOVE FRAUDULENT ACCOUNTS THAT HAVE BEEN REPORTED ON MY CREDIT REPORT THAT HAS BEEN REPORTED FROM FRAUD AND THAT HAS BEEN OPENED WITHOUT MY KNOWLEDGE. I HAVE ALREADY REACHED OUT CALLED NUMEROUS TIME WITH NO RESPONSE TO MY ORIGINAL DISPUTES.
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Last XXXX I received a targeted offer from Citibank for a Citigold account which, after completing the spend requirements, was supposed to result in XXXX XXXX miles in that account. I fulfilled the requirements months ago. One citibank rep said I would get the miles in XXXX, then I was told I had n't turned in a tax form, then I turned it in and Citibank said they never received it. Then they admitted they had received it. I escalated my request at the XX/XX/XXXX and was told I would get the miles by XXXX XXXX. Has n't happened. Talked to Citibank last night and was told that Citibank has " approved '' the miles but they have no idea when they will be posted or available to me. Meanwhile I have been paying a monthly fee to maintain the Citigold account. Last night the representative said I would n't have to pay any fees for three months, but I 've already paid several months of fees AND I have no miles yet. I kept my part of the deal ; Citibank has not kept theirs. This is fraud. I want the miles, I want the fees rebated for the months since I met the requirements. I think I also deserve some consideration for the hours I have spent on the phone with them.
Consumer complaint received 2016-09-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

This charge resulted from XXXX charging a restocking fee for merchandise that I refuse to accept. The merchandise had electronic components and they were involved in a vehicle impact. Electronic parts a very sensitive. When they are involved in a accident, damage may not be visible to the eye and can not show up for weeks/months. 

I refused the product and XXXX XXXX issue payment against my advice.
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc. (FL)

My mortgage company ( ClearSpring Loan Services ) uses a third party ( National Tax Search ) to track property taxes owed. My taxes are due in XX/XX/XXXX. I paid then in XX/XX/XXXX for a discount. I received notice of " delinquent taxes '' in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They say they will pay and start an " impound account '' to collect. This has been ongoing for 4 years. Every year, from XX/XX/XXXX to XX/XX/XXXX of the following year, I call to get this corrected and it continues. They say " Ignore the notices '' and they will contact the third party, but it continues.
Consumer complaint received 2024-10-03
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Shellpoint Partners, LLC (FL)

This is the most unprofessional unreliable non-trustworthy Mortgage Company I have ever had the displeasure of dealing with under any circumstances. ( 1 ) My loan was sold to Shellpoint, and I asked to change my due date so I could pay on my pay week and they flatly refused, which causing me to have to pay late monthly. 
( 2 ) I checked my payment history with a representative and was told all my payments were up to date in XXXX. Two weeks later I was told I owed for a missed payment back in XXXX. I did not recollect it, and was told everything was up to date. The representative told me he would review it since he told me the wrong information. a Month went by and I decided to pay the present and past month, although no one contacted me. 6 weeks later I was told I owed an additional month. I paid it and then found out your company turned in payments as being late to the credit bureau x 2 months while they were so called reviewing it. I would like to request that this data be removed from my credit account. The other problems are that every time I speak to someone in customer service, They give me the wrong information. These people are rude at times, hang up on the patron regularly and straight out either lie or are unknowledgeable regarding their jobs, which cause problems for the consumer.
Consumer complaint received 2016-06-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NY)

On XXXX/XXXX/2016 I noticed that there was a collection of debt posted on my credit report ( XXXX ) reported by American Medical Collection Agency,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX as on XXXX. I did not receive any kind of notice for this debt collection agency.Upon calling the collection agency at XXXX and checking about this, they agreed and confirmed that they had a bad address on file and the status of the notice sent was " undeliveable/not delivered ''. Since this was a mistake on the agency side I requested them to report removal of this collection debt to the credit bureaus, which they initially disagreed to do so. Meanwhile I had applied for an Auto loan/lease on XXXX/XXXX/XXXX which did n't get approved initially as I didnt have the Credit score that are they looking for. I had to provide additional documentation references etc to support the credit application but still my rate of interest went up. I could n't get the price that was initially agreed upon just because of my credit score which was affected badly by the reporting of American Medical Collection Agency. After repeated calls and I informed them that I will initiate a legal action for no-notice and reporting by which creating negative impacts on my credit score and history. Then they agreed and accepted to remove it so that they dont face a legal action. On XXXX/XXXX/2016 they agreed to me to provide a documentation stating the reason for the removal of this debt collection from my credit report, which is being denied now. Because of all these troubles, confusions and issues, I got hit XXXX points on my credit report XXXX XXXX to XXXX XXXX which caused a loss of more than {$1000.00} in the pricing of the deal, additional documentation, time and immense XXXX. So I request the Consumer Financial Protection Bureau to take action against this agency and direct them to provide the information and documentation i.e reason for removal of debt collection which I requested as I stated earlier. Also direct them to compensate my loss appropriately which was caused by their mistake of no-notice and having a bad address. Also I have attached the copy of Credit report stating the removal of the Debt Collection record by American Medical Collection Agency
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX/XXXX/17 Transunion removed XXXX credit inquires from my credit report and then in XXXX/XXXX/17 they were added back to my credit file without notification, this is in violation of FCRA ACT. I have attempted to rectify the situation with Transunion directly and several representatives are unable to give me an answer. These are also companies I 've contacted Transunion about in the past and companies I 've contacted directed. Attached are the inquires and I want them removed permanently.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NC)

I rented a car through XXXX XXXX. After returning the car, there was some reported damage to the hood. I filed a claim with a company that Chase partners with that provides free rental car protection. Company ( XXXX XXXX XXXX ) told me to pay the damage fee to the rental car with my Chase card and itll get reimbursed. I did that but then Chase charged me a {$47.00} foreign transaction fee. I called Chase, they explained they will reimburse me for the fee once the insurance company reimburses me for the damage costs. I asked if itd be a problem if the company sent me a check, he said no. Once reimbursed from Card Benefit Services, I called Chase back and they told me I couldnt get my money back because the money wasnt deposited into my Chase account. I escalated to the manager, they said they will look into it and send me a letter of the decision. Denial letter came in a couple weeks later. I called back and was now told foreign fees are never reimbursed. I escalated to the manager, he said there is nothing that can be done. If I wanted, I could write a letter to their executive members but that was all.
Consumer complaint received 2017-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (NJ)

My bank is robbing me. I 've only had my loan with this bank since XX/XX/XXXX and each year my payments keep going up. They claim my taxes are XXXX a year, however my township tax collector states they are {$10000.00}. I 've over funded my escrow since my loan existed and Pacific Union Financial is claiming my escrow is {$4300.00} short. I 've called numerous time to have it reviewed, faxed my proof from the township of the banks inaccuracy and they refuse to help me or fix my account. Where is my money going?!? They jacked up my mortgage {$630.00} a month!! I 'm extremely upset and dis pleased. They also have n't been sending the township the correct funds, and sent me a {$6500.00} escrow refund in XX/XX/XXXX, they slammed me with a XXXX tax bill right before XXXX. No one knows what they are doing and the turn around time to hear from someone is 3-4 weeks.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have never had service from XXXX. I do not owe them anything because I did not have service. I also should not have a negative mark for XXXX. I have made three payments to them in attempt to settle the debt. Please dispute these XXXX items against me? Thank you.
Consumer complaint received 2024-10-03
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX I am writing because I have tried working with XXXX on the fraud Inquires that are on my credit report. I have Not applied to any of the following companies, nor have I allowed anyone to apply to them. The Inquires listed are NOT a matter of fact and must be removed from my credit report under the Fair Credit Reporting Act. I have requested that they remove them, and they have not done so. I am asking that they follow the law or be fine and I will also file a lawsuit with the Illinois supreme court. 

XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> To have them comply with the Fair Credit Reporting Act and the Federal Trade Commission
Consumer complaint received 2017-02-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (MO)

Opened account with XXXX in XXXX. Closed account in XXXX. In XXXX XXXX I receive a call stating I owe money. I have tried to show that I did not make the purchase. I was told different information every time I spoke to the debt collection company. What I have learned is that a computer was purchased in XXXX with a change of address. I live in XXXX and have for over 30 years. The product was sent to XXXX. I am just hearing about this in XXXX XXXX! I have tried to explain that I have never lived in XXXX. I have even spoken with XXXX. After XXXX transfers I find out that the email and password to what was suppose to be a closed account was changed. That is how the purchase was made. I am trying to clear this debt without paying for something I did not purchase. I purchase all of my computer equipment through XXXX XXXX. XXXX says the account is now closed. However the debt collector is still sending me invoices of payment due. What do I do? I see no reason to pay for something I did not purchase. I am trying to cooperate. XXXX said they could not send me any invoice or statement of the purchase. I did receive a statement from the debt collector for XXXX XXXX. It has a XXXX XXXX XXXX address.