davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Santander has been illegally re-aging my loan and reporting the wrong amount. They are reporting a {$15000.00} and sent a fake deficiency of surplus letter that says it was dated XX/XX/XXXX however that is NOT correct. The vehicle was sold on XX/XX/XXXX and I have a settlement letter that shows the balance being {$12000.00} including the principal balance of {$8300.00} from XX/XX/XXXX. I have all of my credit reports which they have NEVER stated I owed a balance of {$15000.00} until XX/XX/XXXX where they also changed my loan term from the original 72 months to 77 months. They have also reported a 76 month term to my credit while increasing the balance. They are switching around documents that have been sent to me in order to try and obtain more money while attempting to demolish my credit. They have no explanation on the misc fees they have added on to the original principal balance of {$8300.00}. Santander as also removed this account 3 times without notification of it being reported back. Santander also stated my vehicle was repossed for failure to make payments on time and my account was 59 days past due at the time of repossession which is also FALSE! A payment was made in the amount of {$2100.00} on XX/XX/XXXX. The vehicle was in the impound which is where Santander got the vehicle from. It was never repossed for non payment.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

My credit card account is with Capital One. I have a balance at two different interest rates. Last billing cycle I paid more than the minimum payment due, but Capital One applied the excess payment to the balance with a lower interest rate. I called Capital One on XX/XX/XXXX and they told me I would need to pay the entire balance on the card if I wanted payments applied to the balance at the higher interest rate. Capital One 's policy is in direct conflict with the credit card act of XXXX. All payments above the minimum payment due should be applied to the highest interest rate.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (IL)

On XX/XX/XXXX I disputed an account from XXXX XXXX on my report. The information says transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. I received results in the mail with the same incorrect information still reporting. On XX/XX/XXXX I filed a complaint to the company. Their response still has not removed the incorrect information. This letter is in response to your recent claim that XXXX XXXX  has verified this account to be accurate. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. 
I am unaware of ever transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner with this bank. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this transacting ( or attempting to transact ) in an unauthorized or prohibited manner, bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the file you maintain under my Social Security number. 
You have 15 days to verify this information and to provide me with a document bearing my original signature. If you can not, I am demanding removal under the Fair Credit Reporting Act. 
This report is severely restricting my banking abilities.
Consumer complaint received 2016-09-28
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: HOME FINANCING CENTER (FL)

I was in communication with Home Financing Center, Inc. loan servicer for XXXX XXXX XXXX XXXX XXXX regarding a refinance on an existing mortgage I have with XXXX XXXX XXXX. While maintaining communication with XXXX I strongly emphasized not to get my credit pulled until I have the facts and clean numbers on paper and then finally to review. XXXX sent me numerous estimates and finally a final draft. The final draft had so many errors I was stunned and concerned. I immediately contacted him but he was unavailable at times. When I finally got through to him I mentioned all the errors and since I was already disappointed and not trusting this institution I requested to have my request for a refinance terminated. So long story short I never authorized or gave my social security to XXXX. I immediately addressed this to him and his superiors, however everyone ignored me and nothing ever got done. I filed a report through the XXXX and they responded to me " company refused to answer ''. Then I filed a complaint via XXXX, XXXX company they use to pull credit records and opened a claim advising that my credit was pulled without my authorization. On XX/XX/2016 XXXX sent me a letter stating that XXXX XXXX XXXX got verbal authorization from me to have my credit pulled. This is completely false and not true. Now I have decided to report this unethical matter further to assist me in finally getting the unauthorized inquiry removed from my credit reports and finally put closure to this matter.
Consumer complaint received 2018-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American Accounts & Advisers, Inc. (MN)

XXXX XXXX American Accounts and Advisers Date : XX/XX/18 XXXX : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, account number XXXX on XX/XX/18 Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 5 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via-cfpb that you did receive my letter on XX/XX/18. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, XXXX XXXX
Consumer complaint received 2018-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I never lived in XXXX XXXX or whatever the company name is. The collection company have no information of me aside my current mailing address, which I provided. 
They never verified the account is mine, nor have my Social security and the account is not mine. They said they need my info to file for the credit bureau but they can't verify it's mine or confirm it. Please tell them to remove it from my report and stop collecting money from me.
Consumer complaint received 2018-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have been in repayment for 10 years since graduating in XX/XX/XXXX. I work at a non-profit organization for the past 8 years. I logged onto Navient website last month as a frequently do and a form poped up for student loan forgiveness. I filled out the form and turned it in. I recently got a letter from my fed loan that I did not qualify for loan forgiveness because the federal program my loans are through has been discontinued. I was not informed to be eligible for loan forgiveness I needed to consolidate to the XXXX XXXX direct loan program. The last 8 years of loan payments will not go towards loan forgiveness. I was told I can consolidate now but that would put me 10 years away from loan forgiveness, but if I was informed properly it would only be 2 years.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

on XX/XX/2018 I purchased 4 XXXX gift cards from XXXX XXXX XXXX in XXXX XXXX, CA totaling {$2000.00}. Upon purchasing, I noticed that all the cards were opened. I was able to register my cards, two of them I was able to remove the balances, while the other two were hijacked and used at a XXXX over 100 miles away.

The cards are issued by US Bank, and I have called their fraud help line to file a report. I filed the report the same day. I am assuming that they are not going to investigate and they are telling me that it may take longer than 90 days to get my money back. I have been ripped off for about {$1000.00}.
Consumer complaint received 2018-04-23
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (CA)

I got a lease from XXXX XXXX XXXX back in the middle of XX/XX/XXXX. Everything seemed great on their end but, then I noticed in early XX/XX/XXXX that they made 2 unauthorized hard inquires on my credit report. 

Starting in early-mid XX/XX/XXXX I called and spoke with numerous Managers and finace managers at the XXXX XXXX XXXX XXXX dealership. By the way it was very hard just to get ahold of them on the phone. I started with leaving multiple messages and voicemails to the people in charge. Finally I was able to get ahold of a couple of different managers but, they stated that they either could not do anything or that they were going to check and see if there is something that they could do. I gave them a sufficient amount of time to get back to me and provided them with my personal cell phone and email address but, they never called me back. I tried calling them and getting ahold of them again but, I was unsuccessful in getting any sort of resolution this way ( all of this went on for about 5-6 weeks ). 

In XX/XX/XXXX I consulted a lawyer and he helped me put together a formal letter ( attached below ) as the next step to try and find a solution. I stated my complaint and asked them to remove these unauthorized credit inquires from all 3 credit bureaus. Yet, I never even received a response from them after waiting months ). 

About 90 to 120 days later ( either in XX/XX/XXXX or at the very latest XX/XX/XXXX I called the coroprate number for XXXX. I spoke with a customer service representative and a supervisor and they said they would get back to me with a resolution within 1-2 weeks. They never called me back within that time-frame so I called them back around XX/XX/XXXX and they stated that it could take 30 days to resolve. 

Now it has been almost 60 days since Ive conatcted them and I have not recieved any calls or anything close to a resolution for everything. So, at this point I feel as though Ive given XXXX more than enough time and I feel that Ive done all I can in dealing with XXXX myself and Im now hoping thag cfpb can resolve this matter for me.
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NY)

I placed a call to XXXX XXXX XXXX in XXXX XXXX, New York on Monday, XX/XX/XXXX to request that they fax my Form XXXX for XX/XX/XXXX. The fax did not arrive in the 24 hour period that they promised as the delivery deadline. I called them a second time on XX/XX/XXXX, and they said that they would fax the form. I let the representative know that the first request to have the from faxed to me went unanswered and this time the representative promised to fax the document within 3 hours. The document was not sent, although I received many faxes throughout the week and on that Friday. Their is a disconnect between their call center and the delivery system. How can they promise to send information out at a time certain, when the people responsible for the fulfillment are probably in a different country, or the call center is in a different country? Alternatively, I tried to retrieve my Form XXXX from their website, XXXX, but the website was not functioning and I could not retrieve the form. This is pitiful.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

approximately a year ago, when the data breach at XXXX  occured, i reached out per best guidance to the credit agencies.

transunion somehow slipped me into a monthly payment program which i have been unable to get out of due to no one ever answering their XXXX XXXX phones. i've placed several calls to several numbers related to transunion and have given up at the 30-60min mark of being on hold. i never opted into any program, nor did i ever provide bank information for payment to occur, yet somehow my checking account is being drafted with no stop in sight. i'll be contacting my bank to stop payments.
Consumer complaint received 2018-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CO)

On XX/XX/XXXX I went onto XXXX XXXX and filled out their form for an electronic deposit from my XXXX checking account directly into my XXXX account for the year XX/XX/XXXX for {$6500.00}. I accessed my XXXX account on XX/XX/XXXX and did see my transferred {$6500.00}. I immediately contacted XXXX ( XXXX ) and spoke to customer service, XXXX, and then the supervisor XXXX and they said they did not see my money but would send this as case number XXXX to their operations department and that I would be contacted in 5-7 business days. XXXX verified the XXXX of monies as did BNY Mellon as occurring on XX/XX/XXXX. I continued to call XXXX and they continued to tell me that they are expediting my complaint to operations and that is all they can do. On XX/XX/XXXX I  sent XXXX an email stating I was escalating this complaint and I filed a complaint against BNY Mellon on XX/XX/XXXX. I was by given by BNY Mellon 's representative the name of XXXX XXXX and XXXX XXXX, who is in charge of XXXX. I have called her daily and she has never returned my phone calls, but today, XX/XX/XXXX, her receptionist asked me if " they had called me '' and I thought that odd. I asked who " they '' were and she would not say. So, my husband and I feel there may be fraud involved since this should have been an easy issue to resolve, but there is the fact that almost {$7000.00} of my money is missing and no-one can attest to where these funds are. Thank you for your assistance.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX is reporting incorrect information on my Experian report. I made a payment of XXXX on XX/XX/2018 and a payment of XXXX on XX/XX/2018 which brought my account current. My due date is the XXXX of each month. On XX/XX/2018 XXXX XXXX XXXX reported me 60 days late but as of XX/XX/2018 my account was brought current with those two payments so why on XX/XX/2018 XXXX XXXX XXXX have reported me 60 days late. It should be showing current.
Consumer complaint received 2018-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

Collection appeared on my credit report with a date of XX/XX/XXXX but was not on my report until XX/XX/XXXX. Debt is not mine and I want it removed from my credit reports.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I responded to a 0 % introductory credit card offer by mail from U.S.A.A Credit Union and was approved and accepted the credit card. Then I called back to inquire about additional 0 % credit card offers. The representative advised that I qualify for another offer which i took advantage of that one as well. I was led to believe that this was another 0 % card offering. I received my statement for both cards then I noticed that one of the cards had an interest rate of 21.15 % and had fees due in the amount of {$140.00} for interest charges based on the account activity. I was shocked when I opened my statement and saw these charges. I immediately called the U.S.A.A to discuss this. The process of dealing with these type of concerns was extremely complex and confusing. I spoke with a number of managers including XXXX on XX/XX/2018, XXXX XXXX, XXXX a Sr. Bank Analyst in the executive resolution department. I spent hour after hour on the phone trying to get this issue resolved. I requested that the credit union provide proof to me that the 21.15 % interest rate was disclosed to me during the telephone application process, and if the call was recorded. I finally received a phone called from a technical writer within the credit union advising that there was not a record of the phone call in which the application was taken so therefore it is Not an error on their part. The technical writer in which I do not recall her name also stated that the interest rate would have been disclosed during the balance transfer online process. I advised that the balance transfer that took place on my account was initiated by a third party ( my wife ), therefore disclosures were not where her emphasis would have been, she was just following my instructions to initiate the transfers in which I had already advised her that it was a 0 % intro rate to my knowledge. The technical writer
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

Identify Theft. Macy 's American Express sent a second card to to a different address and also increased my limit to {$10000.00}. Person charged {$42.00} at a gas station in XXXX and then tried to charge {$1300.00} at a XXXX was declined and tried again with a different amount of {$1100.00} at the same XXXX a few minutes later. Macy 's American Express contacted me with this information and gave me their Citi Fraud info to file. They did not remove the {$42.00} from my card ( which I am not responsible for as it was not me and they caused this from the beginning ). I refuse to pay this and am getting finance charges plus fees and as of XXXX/XXXX/16 total due is {$70.00}. I have tried to deal with them directly but can not get any satisfaction. All my answers to my questions get the response no I can not connect you to the person in charge of your case in the fraud department. This is been going on since XXXX XXXX and has not been resolved to date. I followed all the instructions given so I am not sure why Macy 's insist I pay the fraudulent charge. This should have been written off on XXXX XXXX, 2016. Even Citi Identify Theft Solutions can not get this resolved with Macy 's American Express. I have cancelled my Macy 's American Express as well as the Macy 's credit card.
Consumer complaint received 2018-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

Back in XX/XX/2017 i opened a bank account online with TD bank. On XX/XX/2017 i went into the XXXX XXXX branch to deposit XXXX. The clerk at the bank advised me to sit and speak to another bank associate so that i could get an ATM card given to me. The bank associate asked me to write down my date of birth and social and to give her my id so i did. She then went to the back to make copies and came back a short time later. She went back a second time and then returned with my ATM card. 
On XX/XX/17 i deposited another XXXX into the account. 
on XX/XX/17 two person 2 person fraudulent transactions were made from my account. on XX/XX/17 two additional fraudulent transaction were made again and on XX/XX/17 an additional 2 fraudulent transactions were made. in 3 days a total of {$9300.00} were stolen from my account. i filed a claim and it was denied i was advised to resubmit a claim with a police report and i did. i was contacted by a detective from TD bank ( i have the voice message he left ) statin that the claim was denied because " he thinks '' the transactions were made from my IP address but that he's no sure exactly while it was denied. i have tried getting in touch with him with no success. i have left countless messages for him, have gone into the branch and have just been told that there is nothing i can do. i have never been given any proof or official reasoning as to why my claims were denied. i have called to speak to his supervisor and was told his supervisor was unavailable but will be notified via email as to what was going on. i still have not heard from anyone at TD and have been left without anyway to get my money back. TD has been so irresponsible in not tending to this issue and contacting me or reaching out to me. i have that one message from XXXX and have never heard from anyone else or received any papers or notices regarding this issue.