davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-27
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (LA)

Myself and my business were devastated after the federal flood disaster in XXXX. My business was forced to nearly close it 's doors, and my personal finances were completely liquidated. We were unable to catch back up and missed payments up to the time I returned my vehicle at the end of XXXX. I attempted several times to ask for deferred payments during the disaster and they denied all request. I asked to settle the matter and the denied the request. This company is Chrysler Captial www.chryslercapital.com
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/23. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts be corrected. 

XXXX XXXX  Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Consumer complaint received 2017-06-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On  XXXX   XXXX ,  2017 I called Santander Bank to req uest a Home Equity Loan. My first question for them was if I was eligible for the loan if I had already started my kitchen renovation because I did n't want to waste my time if this was the case. The representative from Santander said this would n't be a problem. The representative 's name is  XXXX  and her ID number is  XXXX . I decided to apply over the phone with her and we spend over 40 min on the phone going through the process. She told me to have the rate they were offering, I would also need to open a checking account. I asked if I could open this later after being approved because I did n't want to deal with the hassle of opening a bank account, make a deposit of {$25.00} ( minimum required ) and then get my application rejected and have to cancel the account. She said opening then would be easier and I accepted to open the checking account. Since then I provided all documents required by then, with a note that most of the time I was the only reaching out to them to see the status of my application because I was not getting communications directly from them. Now I 've been informed that after the assessment of my propert y ( don e last week ) that my application was not acceptable and was sent to " denied '' because my kitchen and a small bathroom are under construction. I contacted them and explained the situation and they simply " apologized for the inconvenience '' and said I could have another re-evaluation as long as it is done by  XX/XX/XXXX  otherwise I would need to start from scratch. I requested an extension of this deadline since the construction should be all set by the week of  XX/XX/XXXX  and they rejected my request as well. Now I am left with an unfinished kitchen and bathroom, a checking account that I do n't want to use and the hassle to pursue another loan and start from scratch because they misled with wrong information.
Consumer complaint received 2017-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent this company a dispute letter dated  XXXX   XXXX ,  2017. Here  I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I obtained a loan for {$1200.00} from XXXX XXXX XXXX. Part of the agreement of that loan was that I could pay off the loan in full at any time. I sent them a check for {$1200.00} on XXXX with the terms written on the check that the account would be paid in full.. They agreed to those terms when they deposited that check on XXXX. They are now claiming that they never received my payment and are reporting to the credit bureau 's that a balance of {$1800.00} is still owed and has been charged off. I sent XXXX XXXX a letter dated XX/XX/2018 and enclosed a copy of the check they endorsed and deposited. I than initiated a dispute with trans union. XXXX XXXX are still claiming that they never received the funds even though I have proof of payment through my bank.
Consumer complaint received 2018-08-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

The property is located at XXXX XXXX XXXX. XXXX . XXXX XXXX, New York XXXX. The property went through mortgage foreclosure from XXXX to XXXX XXXX XXXX XXXX vs. XXXX XXXX . The property was also going through a foreclosure lien XXXX XXXX XXXX from XXXX to XXXX. The sworn affidavits presented to the court confirming that the tenant in occupancy had been served were false documents. XXXX XXXX XXXX Housing Authority allowed the Section 8 rental payments to be used to represent the tenants listed in the fake affidavit, and to hide my tenancy from the record to keep this apartment from being recorded as rent stabilized. I filed a XXXX  complaint against XXXX XXXX XXXX notifying them that the mortgage was in default upon XXXX XXXX death and they transferred the mortgage loan to Rushmore Loan Management, but with out a record of the rental income ; which should've been listed during the mortgage and the lien foreclosure. Now the mortgage loan is in XXXX XXXX XXXX and the account is delinquent since XX/XX/XXXX to the present. I've been 1 year and 6 months without a landlord, and the XXXX XXXX XXXX Board has refused to comply with XXXX Administrative Code 11-243 and to enforce NYPAL 2429- Rental on the property.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

On XX/XX/2018, I reopened a XXXX store card to purchase something at the store. I left the country to visit family and left my daughter in charge to pay for the purchase of {$130.00}. The store never sent paper mail statements and when my daughter and wife called And gave them my personal information, they refuse to talk about my account. At this point, unbeknownst me they had already started changing me late fees. My wife tried many times during all these months to get them to stop charging late fees and paid {$100.00} dollars online. She spoke to many reps explaining why we have not paid but they continue charging fees and refuse to allow my family to bring the account clean. Now that I am calling they charging {$190.00} More than his original purchase and it is not after all this time that they finally speak to us and have the audacity to tell us that they are only allowed to drop One late fee. My husband is poor and we are willing to pay the remaining XXXX dollars but its unfair that we have to pay twice what the original bill was because of their deplorable customer service. We tried many times to settle the account but they refuse to offer customer service.
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (NV)

XXXX XXXX XXXX has been calling me for years. I talked to them a couple of times, but refused to send me any kind of documentation. I will not pay a bill over the phone and/or without a written demand letter. I sent them a letter last month requesting written documentation regarding the debt. I received two documents from them in response. 
However, both state that the documents were " Not an attempt to collect a debt ''. If they are not trying to collect on a debt, then why are they calling 2-3 times a day, every day of the week? They even called this morning at XXXX XXXX  and XXXX XXXX  and they have now called me at XXXX XXXX. Each time, never leaving a message. They either need to send me a demand letter or stop harassing me and remove their names from my credit reports. I also need a letter from someone stating that. Thank you!
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (GA)

XX/XX/XXXX @ XXXX XXXX  missed call from American Express. 
XX/XX/XXXX @ XXXX XXXX  call from American Express asking for XXXX XXXX and trying collect a debt. I inform the caller I am not XXXX XXXX, this is my work cell phone, which I possessed this number for 15 months. ( Not sure if I am spelling XXXX correctly ). The caller appears to be disturbed that I am not XXXX. I repeatedly informed the caller that I am not XXXX XXXX. Also, there is no in this company with that name, which I informed the caller and I do not know this person. Again, the caller was not happy with my response, so I stated that I would report any further calls to this number. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX ( XXXX XXXX ), I did not answer this call. 
***I never had an American Express card. 
These calls have taken place for the past 2-3 weeks. It appears American Express, which they say they are calling to call a debt, does not have correct information and not they are disturbance and nuisance to my work cell phone.
Consumer complaint received 2018-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc (CA)

I understand that I can not file a second complaint about the same problem, but I was told to contact XXXX XXXX to explain the two documents that were filed one in XX/XX/2001 when I added XXXX XXXX as a Joint Tenant. The Recorders Office of XXXX XXXX XXXX County claimed that XXXX XXXX would have a record showing I received {$75000.00} from XXXX XXXX when he became a Joint Tenant. Escrow No. XXXX XXXX Order No. XXXX. Also as I stated before my property XXXX XXXX XXXX XXXX. in XXXX, CA. was refinanced for {$170000.00}. That Deed was for the refinance in XX/XX/2001 to purchase a second property. The XXXX Recorders Office claims thats the amount I was paid and that XXXX XXXX would have a record of that. This was not a gift, nowhere does any document state that I sold my property. I was lead to believe that I was removing my name at the request of the loan company. I fully understand that XXXX XXXX is not responsible for this fraudulant act against me but does XXXX XXXX have a record that I received the amount of money that is claimed by the Recorders Office. Please help me, my partner XXXX XXXX passed away with out a will and the down payment for the second property came from the refinancing of my home
Consumer complaint received 2016-08-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (UT)

In XXXX 2016 I made my bank payment to my mortgage company freedom mortgage I called to see if they have received my payment and they told me that even though I had sent it in if it 's not registered they were going to mark me late I went to XXXX and got a loan for my car so that I can make a wire transfer to them that same day they sent me a letter saying they had received my payment but they still mark me late the XXXX credit bureaus after sending them my information and asking them to remove that from my credit they refused to do it I have lost the opportunity to refinance my house and my credit score went down I got into debt with XXXX because of this I want my credit cleaned and {$10000.00} back payment
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (NY)

I went to experian.com to recieve my credit report. It showed that I would be charged {$1.00} to receive my credit report I was not told that I would be signed up as a paid experian member and would be billed monthly for services I did not know about or intend to use. I called experian to find out about these charges to my debit card and they told me that I should have read the fine print of the terms and service agreement. This is a scam. Experian does not notify you when your free trial is going to expire and you will be billed. They will not refund my money. Advertising that a credit report is {$1.00} and then signing people to be billed {$21.00} dollars every month without telling them is predatory and just plain wrong.
Consumer complaint received 2016-08-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (WA)

Dear CFPB representative, On XXXX XXXX, 2016, I tried to withdraw {$800.00} cash from a U.S. Bank ATM ( XXXX : XXXX XXXX XXXX XXXX XXXX, WA XXXX ) using my foreign bank debit card ( XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). The ATM initially displayed " Please take your cash '' but no cash came out, and then it displayed something like " There was an fault and the transaction was cancelled ''. However my debit card was debited {$800.00} and a transaction fee of {$3.00} was charged. I talked with the teller of U.S. Bank in XXXX, and they admitted that ATM had been having some problem that day and they have received complaints. They told me to submit a dispute from my local bank ( XXXX ) and wait for one week to see the balance updating on that ATM. I submitted a dispute for the failed transaction on XXXX XXXX, 2016 but today I received following-ups local bank saying the U.S. Bank said the transaction was successful and there was no remaining balance associated with this transaction, indicating U.S. Bank did not want to take the responsibility. I also contacted U.S. Bank ATM services but they refused to help me but insisted on resolving the problem with my local bank. So the situation became an endless loop : I submitted a dispute through my local bank as U.S. Bank told, but then U.S. Bank denied their responsibility. I hope CFPB can help me get my money back. Thank you so so much!!! 

Best regards, XXXX XXXX
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

RE : XXXX partial account # XXXX XXXX XXXX XXXX has deliberately manipulated records, particularly the date of last activity and misrepresented this account in a scheme to blackmail me into paying them over {$1300.00}. 

The above mentioned account is an old Capital One credit card which was closed due to fraud back in XX/XX/XXXX with the date of last activity of XX/XX/XXXX of XX/XX/XXXX. Michigan Statute of limitations to collect on this type of debt is 6 years. This debt is now over 8 years old. 

I have written XXXX XXXX twice requesting all records and accounting on this alleged debt and informed them this debt does not belong to me. My most recent letter was dated XX/XX/XXXX. 

XXXX XXXX has refused to provide those records and alternately become more aggressive trying to collect. 

I will prove that XXXX XXXX has been engaged in fraud against consumers for years. 
I will prove XXXX XXXX intent is to commit fraud on consumers by willfully manipulating records and refusing to provide consumers with those actual records as part of their long standing scheme to misrepresent facts and mislead the courts, the credit bureaus and consumers for their own profit. 

XXXX XXXX has also provided untruthful statements to XXXX, XXXX & XXXX in a premeditated scheme to manipulate the Credit Bureaus into reporting this unlawful and uncollectable debt to my credit reports. 

These and other willful schemes of XXXX XXXX has caused actual damages to me and my family. I have been turned down for auto loans by XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital One auto finance and XXXX XXXX XXXX on XX/XX/XXXX, my insurance rates have increased by 100 %, I have been turned down for credit with banks and turned down by a landlord. 

I am filing a small claims suit because it is the fastest way to get a court hearing. Otherwise, I would be filing a civil claim in State and/or Federal court. 

Through my research, it seems XXXX XXXX has a history of manipulating records and attempting to collect on debts they have no legal right to collect. 

I have requested records of this debt and XXXX XXXX has refused to provide those records in an attempt to conceal the facts that this account is more than 8 years past since the date of last activity.
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

bayview loan services did not pay my XX/XX/XXXX real estate taxes that were in escrow now as of XX/XX/XXXX they sold my loan to rushmore loan management services they passed the buck no help
Consumer complaint received 2018-05-30
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

My life has been turned upside down. 
Last year on XX/XX/2017, I notified XXXX XXXX of the theft of my identity. 
I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. 
I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PMAB,LLC (NC)

I have addressed these accounts over XXXX years ago and was confirmed by XXXX XXXX with XXXX XXXX that this was handled and reported to all bureaus and it is still pending on my credit. I have documentation that is attached from the XXXX XXXX that states that I owe NOTHING. I have asked all credit bureaus to correct this and asked XXXX XXXX, and XXXX XXXX to report this accurately and still have not gotten this resolved. Would you please address and see that this is removed from my credit on all bureaus? I need help with this Account XXXX These accounts with XXXX XXXX, XXXX XXXX should be removed from my name. The collection company is PMAB , LLC and was informed this was inaccurate as well. 
XXXX XXXX with XXXX XXXX and XXXX her supervisor can be contacted XXXX XXXX XXXX XXXX XXXX Patient Accounting Patient Accounting Team Lead Direct Dial : XXXX XXXXXXXXXXXX Please remove this from my credit.
Consumer complaint received 2017-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (IL)

I have submitted a request to the credit reporting agency Equifax disputing the medical collection account and have made several calls to XXXX collections requesting they forward information on the debt they claim I owe since XXXX XXXX. I have not been successful on correcting the issue and resulting on negative effects on my credit report.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I had a breach in my credit card XXXX 2024. XXXX XXXX confirmed and we cancelled existing card and got a new one. There was a charge from a Company in Texas was XXXX XXXX XXXX XXXX. Also XXXX  has put a ding on my credit report and when I paid them out. All was good. Now all of the sudden they claim I owe them money. I am not going to a scapegoat for other inability to pay bills. In other words why now. Ive already cleared this up years ago. Along with this information, I applied for a loan to get a used car and it was not suppose to ding my credit since i have tried to rebuild it since my divorce several years ago. My credit score has decreased XXXX points. Also new companies alleging to be associated with the credit bureau have taken over the credit reporting. There is no way my credit has dropped XXXX points. The rules appear to benefit the banks giving out the loans. I went from good to fair. I have paid all my bills accordingly.

I wrote the creit bureau and filled a complaint and the next day had a response. There is no way they can investigate in a day. This whole credit bureau business appears scammish. They can not prove anything in a days time. ( this XXXX XXXX XXXX from Texas investigation ).