davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Advantage LNS Inc. (TX)

In XXXX we lived in XXXX Apartments. My husband XXXX received military orders to move to a unit in XXXX. Per the military clause in our lease agreement we needed to provide the orders to the leasing office and give a 30 day move out this ensures the lease would be terminated properly without additional money being due ( i.e re-letting fee ). I followed the exact process and my move out was approved. During my final month in the apartment as I was packing I received a knock at the door it was the Sheriff bringing eviction paperwork. I informed the sheriff I was moving due to a PCS ( permanent change of station ) ordered by the military and he instructed me to go file an answer with the courthouse. I did just that. I brought the eviction paperwork from the sheriff, our orders, & the letter from the apartments approving the move out and the case was dismissed and we were allowed to continue our move out as scheduled without harassment. At the end of the month my family left the apartment turned in our keys and continued on to XXXX. XXXX XXXX 7 months from the courts dismissal the apartments were used as a reference on an application for a new home we were interested in renting, we were subsequently denied because a report was sent to the property management company saying we broke our lease. Needless to say I contacted the apartment and was told by XXXX XXXX that she was referring us to a collection agency and would not send us any documentation on how or why we owed money. Since that time we have been trying without resolution to get answers and get this debt removed. This debt has destroyed both mine and my husbands credit. I believe due to my personal history with XXXX XXXX that she decided to furnish false documents to hinder us from being able to rent anywhere in the state of XXXX. I believe this to be the product of malicious intent because again we followed the law, the case was dismissed and nothing was ever reported until after we needed to use them as a reference. To date, we have been denied credit, apartments and a mortgage loan due to this action and on top of that our score has plummeted several points. I will also add the eviction that she attempted to do she knowingly lied on court documents stating that we were not affiliated at all with the military. This past weekend I stopped by the apartments and was able to get a copy of our " charges '' and found that the information included damages, furniture removal, eviction fees and reletting fees. This could n't be further from the truth. My court documents substantiate the false claims.This complex specifically XXXX XXXX is doing this for her own vindictive reasons and she should be held accountable.
Consumer complaint received 2016-12-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

This is an issue with Santander Consumer ( auto lender ) who is constantly reporting a negative balance of XXXX that has been charged off. I 've paid the full principle balance of the loan. There was a dispute concerning late fee, but Santander never provided any documentation justifying any fee 's
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a certified letter from XXXX XXXX on XX/XX/2016. They indicated that they were referred by our Servicer ( Bank of America ) to XXXX for Foreclosure action. My complaint is for XXXX XXXX to stop committing forgery to foreclose and to give us competent and reliable evidence. XXXX XXXX is violating the FCDPA and US Mail Fraud Statues by using deceptive means to collect. We have searched the Secretary of State for California website and they are not even registered to do business in California. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This letter is a formal complaint that Transunion you are continuing to report inaccurate, and invalidated credit information. 
I am very distressed that you have included the information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate invalidated information is a mistake on your part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
AS I HAVE PREVIOUSLY DISPUTED THE FOLLOWING INVALIDATED, INACCUARTE INFORMATION WITH TRANSUNION BEFORE, AND TRANSUNION HAS RESPONDED BACK TO ME VIA THE CONSUMER FINANCIL PROTECTION BUREAU PORTAL, THAT THE FOLLOWING INACCUARTE ACCOUNTS AND NAMES HAVE BEEEN COMPLETLY REMOVED FROM MY CREDIT REPORT! AS OF XX/XX/2016 WHEN I RECIEVED MY NEW CREDIT REPORT FROM TRANSUNION THE FOLLOWING DISPUTED INACCUARTE INFORMATION, THAT TRANSUNION WROTE BACK IN THIER RESPONSE TO ME VIA THE CONSUMER FINANCIAL PROTECTION BUREAU PORTAL THE INACCURATE INFORMATION IS STILL CONTINUING TO BE ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT! I WOULD LIKE TO ASK TRANSUNION WHY? THIS INACCUARTE INFORMATION IS STILL BE DISPLAYED ON MY PERSONAL CREDIT REPORT? 

THE FOLLOWING INVALIDATED ACCOUNTS INFORMATION SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT : INACCUARTE NAMES : XXXX WHO IS THIS? 
AND XXXX, XXXX WHO IS THIS PERSON? I HAVE NEVER USED THESE INACCUARTE NAMES, AND I WOULD LIKE TO KNOW WHY THEY ARE CONTINUING TO BE ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT? 

MY LEGAL NAME IN WHICH IS THE ONLY NAME THAT I USE SHOULD BE BEING DISPLAYED AS FOLLOWS ONLY : XXXX PLEASE MAKE SURE THAT MY NAME ONLY REFLECTS AS LISTED ABOVE. 

INACCUARTE DISPUTED ADDRESS CURRENTLY BEING ILLEGALY DISPLAYED ON MY TRANSUNION CREDIT REPORT : XXXX, CO XXXX I HAVE NEVER USED THIS INACCUARTE ADDRESS, AND I HAVE DISPUTED IT WITH TRANSUNION SEVERAL TIMES, THIS ADDRESS SHOULD NOT BE ASSOCIATED WITH MY PERSONAL CREDIT REPORT! THIS ADDRESS SHOULD BE COMPLETELY REMOVED AS PER TRANSUNION HAS WRIITEN BACK TO ME AND STATED THAT IT WAS! 

XXXX ACCORDING TO MY RECORDS I DO NOT HAVE AN ACCOUNT WITH XXXX, AND I WOULD LIKE TO KNOW WHY THEY ARE BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT? I HAVE REQUESTED THAT A LEGAL VALIDATION BE MADE IN REGARDS TO THIS ALLEGED DEBT, AS OF XX/XX/2016, A LEGAL VALIDATION OF THIS DEBT HAS NOT BEEN MADE, THIS ACCOUNT SHOULD BE COMPLETELY REMOVED FROM MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

Hi, On XXXX/XXXX/XXXX I charged {$86.00} worth of merchandise at XXXX. Due to no bill coming in the mail or the computer email reminder stating this bill is outstanding, I forgot and failed to pay the original balance of {$86.00}. I received a call from a collection agent XXXX XXXX, XXXX informing me my bill is PAST DUE and outstanding and I owe {$200.00}, I asked why I was now being informed the cost is {$200.00} and I was not notified by written or email the original balance {$86.00} was outstanding. I asked for the dates XXXX notified me and the collection agent XXXX on XXXX/XXXX/XXXX could not provide dates I was supposibly notified ), I explained what happend and I was sorry I overlooked the {$86.00} charge, however I did not receive a statement by mail or email and could not understand why I was not notified. I immediately paid the {$86.00} and XXXX late fee to the store directly, I had no help from the collection agency so I called XXXX directly to explain the situation. XXXX representative was able to see the payment from the original purchanse and XXXX late fee and was able to credit fees and interest that were adding up after the payment was made. I was still receiving statements with late fees and interest on the late fees after my call. On my final call to XXXX customer service supervisor on Tuesday XXXX XXXX, XXXX XXXX waived the additional fees and explained the situation is closed and I should not receive any other bills reflecting the late fee and charges. XXXX reported to my Bureau as if I was consistantly not paying and it dropped my score considerably. I am requesting this derogatory tradeline be deleted from XXXX, XXXX and XXXX. 
Thank you for taking the time to investigate.
Consumer complaint received 2016-12-19
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There were 3 unauthorized withdrawals made to my Bank of America saving account during 3 consecutive days between XXXX to XXXX, same bank location, They took {$450.00} the first day, then another {$450.00} and the last day they tried {$850.00} but they failed to withdrew the money so then they tried once again another {$450.00}. The bank called me informing me about this suspicious transactions until the third day. They said they would investigate, after several days without any update I called the bank and someone very rude told to stop worrying about it because at the end the money is insured and they will contact me when they finish the investigation. The day after I received I call from the bank informing me they determined the transactions were authorized and they will not give me back the {$1300.00} someone stole from my acct. I ask them about photos of the person who withdrew the money they say they call me to schedule a appoint to go to the bank and they will show me the photos/video. Several days passed and still no word from them I called once again and that 's when said they will not provide photos or any other proof, they solely based their claim of the transactions being authorized because the person who withdrew the money knew the pin number. They offered me to go the police if I wanted to put a complaint. I ca n't believe the bank does n't understand when I tell them I have my Card with me 24/7, I live alone, I barely withdrawn money from this account in the last several years, only deposit, still they seem fixed in the fact the person who took the money knew the pin number.
Consumer complaint received 2016-12-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

We got a XXXX fee to our checking account but could not understand why, had no outstanding checks. When we asked customer service and branch manager at bank, we were told that it was a debit card charge from XXXX. This seemed impossible since Debit card purchases wo n't authorize unless funds are in the account, which they were at time of purchase. Also, an authorization for the amount immediately goes on the account and fubds removed until final purchase a few days later or authorization falls off. Well, according to customer service the XXXX store decided they did not want their money and the bank put funds back in our account. We can not find this alleged funds back in transaction in our account. We asked bank for proof they put funds back in our account but they refuse to provide it. We do not even see original transaction but many days later it appears the bank took the amount out. They refuse to reverse the fee for their own error because they reversed XXXX fees in the past but XXXX of those fees occured because they took an annual debit card fee for charity card without warning us, again banks fault. We want our XXXX returned. Thanks
Consumer complaint received 2016-12-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

RE : Capitol One and XXXX ACCT : XXXX On XX/XX/XXXX, my debt consolidation company XXXX made a settlement with these above companies to accept a payment of {$220.00} as payment in full with the remaining {$150.00} to be written off and not collected on. 

However, these above companies are billing me the written off {$150.00} amount and have put this on my credit report as an unpaid debt, which has cause my credit score to fall. 

Plus, the collection company kept calling me at work, which is against the law. 

I received a statement dated XX/XX/2016 advising that I owe {$150.00} and that this debt is valid, which is not true. I tried calling their Customer Service, but was told my debt was settled in full, but that I still owe {$150.00}. 

I want them to send me letter stating I do not owe them any more money since they accepted the settlement/payment from XXXX and DELETE this information off my credit report. 

XXXX NE XXXX
Consumer complaint received 2016-12-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

The relationship between a customer and the bank it 's based on longtime trust, client 's record and routinely transactions. We have been loyal customers with Wachovia and ever since the transition to Wells Fargo. The bimonthly payroll it is already a tradition of several years. Two branches in particular we 're accustomed to are XXXX branch and XXXX XXXX, both in FL. Never had any significant issues. On XXXX XXXX, 2016 when doing our routinely transaction, the branch manager at the XXXX XXXX location she refused to perform the usual transaction. Our checking balance as usual, the same payroll check, nothing out of the ordinary. Additionally, when trying to understand why this manager would refuse to perform the transaction, she addressed us with an irritated attitude that was far from professional and has forced us to avoid this branch in the future, perhaps even transfer our business to a different bank.
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: STATE FARM BANK, FSB (GA)

On or around XXXX XXXX my wife and I started a refinance loan with state farm bank. It has since been 110 days and we still have not closed on the loan. We have provided all documentation in a very timely manner and none of the delays have been because of us as the borrowers. The loan processor continues to state that they are short staffed yet he just took off for several days. When we talk to the loan processors we are simply told that the loan is moving through the process and we are getting closer. Our processors name is XXXX XXXX and there is another processor named XXXX. Debt to income ratio is great, our loan to value is around 60 % and our credit scores are around XXXX or above. There is no reason for this easy of a loan to take so long. If there was a way that I could get out of the loan right now without having to pay any money as well as get a refund of my money paid I would. We feel very taken advantage of as a borrower.
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (FL)

XXXX has submitted my account to the RPM ( Receivables Performance Management LLC ) collection agency after three months of dropping my phone contract. During this time, they failed to provide me with the final XXXX statement agreement of the phone charge breakdown. There is no way for me to verify the charges that I owe for each of the phones I owe under the XXXX account and therefore can not apply my rebate submission to XXXX XXXX XXXX. 

To complete a refund submission, the bill from the previous carrier must include the XXXX ( XXXX ) for final processing. The credit debt agency ( RPM ) also refuses to provide me with this information as well stating that they do n't have this information on file except to provide me with the balance for the amount of {$360.00} when the original amount from XXXX was for {$310.00}. 

I need verification for this account before making a payment to the credit debt agency the amount and date are insufficient information. How can this get resolved?
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SN SERVICING CORPORATION (HI)

SN Servicing Corporation is falsely alleging that my husband and I owe {$630000.00} for an alleged mortgage. Notwithstanding the fact that public records and property tax records show there is no mortgage on our property, SN Servicing continues to send monthly billing statements with alleged costs escalating each month. Months ago, my husband and I contacted SN Servicing in or around XXXX XXXX and spoke with XXXX XXXX and XXXX XXXX who claimed to be portfolio managers. When we asked why they were charging us for attorney fees and foreclosure expenses, we were informed that those fees were for XXXX law firm, XXXX [ Note address : XXXX, HI XXXX phone : XXXX XXXX / fax XXXX ] This law firm attempted to foreclose on our property on behalf of XXXX I in XXXX XXXX to XXXX XXXX in the Hawaii XXXX XXXX Court but failed to foreclose. The case was dismissed on XXXX XXXX, XXXX. Now SN Servicing continues charging us foreclosure expenses, alleged mortgage charges, and other expenses including opposing counsels ' attorney fees that we do not owe.
Consumer complaint received 2016-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MD)

My mortgage was sold to US Bank over a year ago. My complaint is about what I believe to be tawdry efforts to cross-sell banking services by making it increasingly difficult to log in directly to the mortgage payment portion of their site. Presently, there is no way to get to the US Bank mortgage payment portion of the site. I am redirected to the US Bank consumer banking login, which does not recognize my login and encourages me to open an account or contact a customer service representative who then tries to get me to open an account. For the past several months, a series of redirects has prevented me from bookmarking the mortgage services page directly. The mortgage site is not listed in XXXX, suggesting the company has deliberately structured the mortgage service pages so that customers ( something of a misnomer in my opinion, since they bought my house and demand payment for the benefit of continuing to live here ) have to go through the banking page and, increasingly, must actively decline banking services with every use of this service.
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

TransUnion is reporting a judgement that does not belong to me. I am being violated and I do not approve of this violation. I was forced to pay {$1300.00} to settle this debt that did not belong to me and in order to remove this derogatory item and STILL TransUnion refuses to remove it after XXXX and XXXX has both removed this fraudulent item. My entire correspondence with TransUnion has been through certified mail for the last several months.
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I went to a local CitiBank office located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX to move forward with PMI removal. The banker stated he was not aware of how to get this completed but would put me on the phone with a mortgage specialist. I was led into one of the offices at CitiBank and he put me in contact with a mortgage specialist via phone to CitiMortgage, who informed me that he would have someone get in contact with me who would be able to assist me with this request. For a month, I had not heard from anyone from CitiMortgage. This is not the kind of customer service I have been provided in the past ; I have been a loyal and timely customer for a decade. 
On XX/XX/XXXX, I called into CitiMortgage and was informed by the CitiMortgage representative that the PMI was removed. When I called XX/XX/XXXX to confirm the PMI was removed, I was told the opposite. The CitiMortgage representative now stated the PMI had not been removed and my rate had adjusted which was the reason my payment had gone down. They further informed me I would be required to fill out paperwork and have an appraisal completed even though the balance is under XXXX % loan to value. 
Per the Homeowners XXXX XXXX of XX/XX/XXXX, I have a right to request PMI removal once the unpaid principal balance reaches XXXX percent of the original value based on the current amortization schedule and having paid the mortgage on time without an appraisal. I purchased my property in XX/XX/XXXX, at an appraised value of {$430000.00}. My current unpaid principal balance is {$340000.00}, less than XXXX percent of the original value. CitiMortgage informed me that my PMI was removed as my payment had gone down. Only when I called in the following month did CitiMortgage then reneged on their previous statement. I have complied with my obligations and have paid my mortgage on time with additional payments to get it under XXXX % loan to value.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"