davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (PA)

I had applied for and received an Autoloan through Chrysler Capital. At the time, as it is now, I had been receiving monthly income of approximately {$730.00} a month. They in turn issued me a loan at 21 % over 6 years at {$400.00} dollars. I am also required to keep full coverage on the vehicle. Perhaps I was too optimistic on my ability to repay the loan, but I have rapidly found out that this was a tremendous financial burden on my situation. Currently, I have been unable to afford my other debt obligations and these loans have become delinquent. I intend to do my best to maintain the car payment, however I am concerned that this loan may have been issued with the expectation that I would not be able to maintain what for me, is an aggressive repayment. I have attempted to contact the lender to discuss my situation. They have stated that they are currently unable to work with me but more importantly that they have no intention of working with me to achieve a long term resolution.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I inadvertently applied a payment to my daughter 's Kohl 's account instead of my own. The minute I found out about it ( when I got my daughter 's bill showing a credit ), I contacted them. I asked if they could transfer the money and they said they would take care of it. Had they told me what a headache it was going to be I would have just double paid, but I believed them when they said it would be done. When I got my next bill reflecting the money had not transferred, I contacted them again. Again they promised it would be resolved and I would not be reported as being late on my credit report. Multiple times I was contacted by them and I contacted them as well, to resolve this matter and repeatedly was told it would be resolved and my credit history would be restored. I called on XX/XX/XXXX and determined everything had been resolved and asked that they let me know when I could expect them to get my credit rating fixed ( my son, who is on the account with me, gets his credit score free every month from a different credit card he holds and the score had dropped XXXX points ). They said they would look into it and get back to me. I called again the following day only to be told that it was my fault and the credit would stand. I was then told to send a letter, which I immediately did ( attached ). I got their response on Saturday telling me that they would n't fix it ( also attached ). 
I take phenomenal care of my credit rating and have NEVER, EVER, been late on a bill. If they had just told me to start with, again I would 've just double paid it. During this entire time I kept my daughter 's credit card paid in full ( as if the money I did overpay was never there ) to avoid interest on her account. During all this Kohl 's credited me the late fees and interest fees, but somehow still feel it 's my fault they could n't fix it. I want my ( and my son 's ) credit restored.
Consumer complaint received 2016-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Tormey Bewley Corporation (CA)

in XXXX I viewed copies of my credit reports. I seen several discrepancies at which time I disputed these accounts with the credit bureaus. several accounts were updated except for a few accounts. I disputed them again to no avail. I then called this collection company " Albuquerque collections '' at which time I spoke with a co. rep " XXXX XXXX ''. I told XXXX XXXX about the account being discharged in bankruptcy. she said that they did n't know anything about a bankruptcy, but would look into to it. she asked me to provide her with all of my information for verification, I did. she then told me she would remove this account from their records and update it with the bureaus. she also said they report to the bureaus once a month and this would in fact be updated within 15 days, which was their next reporting schedule to the bureaus. nothing was updated as of XXXX. I called them again and spoke with another rep. by the name of XXXX XXXX, who also asked me for all of my info. I complied, put me on hold and then she came back on the phone and told me that there was a mistake made previously and that she would in fact correct the mistake and update the account. as of today XXXX, this collection account from Albuquerque collection co. is still reporting this account as an " open account '' with a balance of {$240.00}. my bankruptcy was discharged in XXXX and 8 month later this company is still violating my rights under " the fair credit reporting act ''. about 2 or 3 days after my first call to this co. I started getting after hours phone calls from XXXX XXXX. XXXX '' logo. wanting me to take her out to dinner and wanting to spend the night. XXXX XXXX also told me that they are paid on commission and get a percentage of what they collect. I wonder how many people they sucker in to paying them, especially if they have a legitimate dispute of the collection.
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I experienced an unexpected temporary financial hardship and I contacted Beneficial to explore options. The representative that I spoke with suggested that she could offer a deferred payment plan. Notably, I fulfilled the requirements of the payment plan. However, upon a recent review of my credit report, I noticed that Beneficial reported my account delinquent during the deferred payment plan period ( XXXX and XXXX ). 

Though I appreciate the deferred payment plan, I am upset that Beneficial failed to disclose that they would report the account delinquent to the credit reporting agencies during this period. Indubitably, if I had known that the account would have been reported as delinquent to the credit reporting agencies - I would have borrowed the money from a friend or a family member.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  was removed off my report a year or 2 ago, it was an account that was opened under a fraudulent address email and other personal information as i was impacted in a data breach called XXXX data breach. This information is fraudulent and i have uploaded supporting documentation multiple times and there not giving me no response
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (NY)

I just learned about " CFPB and DOJ Order Ally to Pay XXXX to Consumers Harmed by Discriminatory Auto Loan Pricing '' over this past weekend of my own web surfing. I had a loan under the period that was covered, so to day I contacted the cfpb today and advised that I had n't been contacted by the settlement admin and XXXX please provide that info. XXXX the person who answered provided me with the admin toll free number and web site. I called the admin and spoke to a person who advised me that ( 1 ) the deadline to opt-in was XXXX XXXX ( 2 ) I indeed did was on the list ( 3 ) that Ally bank and NOT the admin contacted consumers and provided the names to the admin. I advised the admin that I moved XX/XX/XXXX to a different address and that I never received a letter regarding this settlement. I was also advised that the checks were already mailed XXXX XXXX and that other consumers were complaining about moving and not getting the proper details about their rights under the settlement. How is it that the order of the court states that the admin shall contact eligible consumers and then it turns out that the defendant is tasked with contacting consumers? My vehicle has since been repossessed and could it be that the defendant did n't care to allow men to get any money back?
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Experian is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only XXXX account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just XXXX and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why Experian continues to report it twice and with a balance.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only one account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just one and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why Equifax continues to report it twice and with a balance.
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have a loan modification thru Bank of America. The loan gradually increases in ( ARM ) until it is supposed to cap out at 4.5 % per the original loan documents. I have contact BofA numerous times, they are now sending me documents saying that the loan caps at 5 %. I have called them and asked them to correct this. They say I am right, it will cap out at 4.5 %, but yet they continue to send me documents and charge me amounts different than what my loan documents say my principal and interest is.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only XXXX account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just XXXX and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why TransUnion continues to report it twice and with a balance.
Consumer complaint received 2016-02-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AL)

This is a dispute to case # XXXX and XXXX. Still no answers, and it 's very apparent they are not going to answer and are liars. 
This company preys on minority 's and there continued targeting of them should be labeled as a hate crime. They should not be allowed to execute mortgages or anything else. I have paid in advance, excessive mortgage insurance premium to HUD, with no justification of the amount. A year worth of PMI insurance. Paying excessive property taxes and PMI insurance to drain my escrow account which causes shortages in escrow account. Being retaliated against for exposing the fraud. This company has no respect for the law or the hard working citizens, I hope this case helps others and remember to FIGHT cause the truth will always stand. Just follow the paper work. I did.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX. 

Fail to provide complete Verifiable documentation of accounts reported onto my personal credit files contacted the company 's requesting proof of claim requested removal of unsubstantiated information over last 6 to 8 months. 
Experian- XXXX- XXXX # XXXX / XXXX -Acc # XXXX XXXX XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX XXXX XXXX -Acc # : XXXX USPS Certified Mail Tracking # XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Sent request to the original creditor No Response.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (NY)

Receiving a Wells Fargo promotional mail in XXXX XXXX NO FEE NO INTEREST for a year, borrowed {$19000.00} on XXXX XXXX, XXXX ( has paid off the entire principle amount XXXX, XXXX 3months before the end of my promotion ). No issues till XXXX XXXX. No interest Charges etc.. Come XXXX I call Wells Fargo notify them of Address change as we moved. Despite four calls address is not changed. Mail is delivered to old address only to finally reflect the change in XXXX XXXX, XXXX. Come XXXX I see late fee and Interest charges. I call. Late fee waived XXXX Card # XXXX even though the same fee was waived by XXXX XXXX REF # XXXX, and the Interest charges was submitted for further RESEARCH # XXXX on XXXX XXXX, XXXX as to why charges are levied. No response from Wells Fargo till. Wells Fargo sends my account for collection despite raising dispute claiming the promotion started from the date it was started ( XXXX XXXX ) and not from the day of borrowing, that I was never informed, told about such a stipulation. Upon countering that If I were to borrow in the month of XXXX XXXX if my XXXX year would end even before it began and the representative answered as yes. It is deceptive practice by Wells Fargo Bank upon its unsuspecting customers that goes against business ethics, morals and humanity. 
Response in WRITING only will be appreciated. 
According to me I do not owe any charges levied by the Wells Fargo and its deceptive practice be stopped and the consumers be protected who are powerless against these giants without the mediation of your esteemed office. 
Thank you in advance
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX 2015 I filed a dispute with Bank Of America for a XXXX charge for a company that promised delivery by XXXX XXXX, which was within the 120 day period. Bank Of America Admits that they got the information to the Merchants credit card LATE, and because of their late submission I am out the XXXX. I will refuse to pay off that XXXX, which will now result in my credit being damaged.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (IL)

I got a XXXX XXXX Credit Card ( Mileage Plus Explorer issues by Chase ) primarily because it promised an extra bag for me and my wife when we travelled together. we purchased tickets to XXXX and since we were going to be away for four months we packed XXXX bags each. when got to the airport and started checking in, imagine our surprise when we were required to pay {$200.00} for then extra bags ( the check-in terminal advertised the free extra bag ) since they said the extra bag only applies to domestic travel. This is clearly misleading advertising since that limitation was hidden far down in the card description.
Consumer complaint received 2024-10-07
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (AL)

A fraudulent CCB/DELL credit card was opened in my name by another party, completely unauthorized by me. The amount spent was {$3500.00}. I found out about it via email through XXXX XXXX. I tried to call the phone number that was listed as the company 's number & it was not a legitimate phone number. I filed a fraud alert with XXXX & was told by them that I needed a police report, which I got. I have a security freeze on XXXX & am in the process of getting one for XXXX XXXX XXXX.
Consumer complaint received 2016-02-08
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Fidelity Properties Inc. (OH)

I owed XXXX on a medical bill, I told this company I would be more than happy to pay once I received an itemized bill explaining where the charges came from. At first they agreed. But a bill never came that stated the debt. Instead all I received was a bill with the date and the amount. I called again asking for an itemized bill and was refused. I was told that they would not and could not request another copy and thay if I wanted to know what it was pertaining too I would have to call the hospital myself. I also received a letter threatening legal action if I did not pay, and to notify my employer of the nonpayment. When I confronted them that this was illegal the response was " I did n't know that '' I have since made the payment on the bill but do not believe it is truly owed. As no proof has ever come to me. I did call the hospital and they claim it is for a XXXX, yet no bill has come yet.
Consumer complaint received 2016-02-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Sortis Financial, Inc. (MS)

I had a mortgage loan with XXXX Bank. It was an XXXX loan and you guys have helped out greatly with that. However, they sold a portion of the loan to Clearspring Loan Service in Texas. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have been paying them back a portion of the debt. They called me and I felt forced to make payment arrangements. This is still showing up on my credit report as collections for almost 3 years and I 've made arrangements. I still feel like I 'm being held hostage by XXXX when they did nothing to help me when I reached out to them for assistance. I 've increased my payment to Clearspring from {$100.00} to {$400.00} a month and they continue to report negative information to the credit agencies. Is there anything you can do to help with portions of loans that were sold to other companies? Thanks.
Consumer complaint received 2016-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: RUI Credit Services, Inc. (MA)

I have had several issues with RUI Credit Services related to what they claim is a cable bill not paid. They began calling me XXXX/XXXX/XXXX, and leaving voice messages that did n't contain any information. They continued to call either every day or every other day after this point. I never received any written notification of any debt owed and I contest that I do not owe any debt to anyone. At first I did n't respond, because I did n't even know if they were legitimate or a con artist. When I did respond they claimed that I owed {$100.00} for failing to return a rented modem from XXXX. The modem was bought, not rented. I told them I would clear this up with XXXX, which I did, however, they continued to call and harass me about a debt I did not owe. They finally sent a written notice marked XXXX XXXX, XXXX, almost 2 months after the harassing phone calls began. They have artificially inflated the debt to {$180.00} which seems an arbitrary number they chose. I am currently writing to them to contest my claim, but due to the harassing measures they have already taken, I am not sure that they will comply with regulations and cease and desist. I have read the Fair Debt Collections Act and I count numerous violations : Harassing phone calls, failure to send a written notice of amount owed within 5 days of phone calls, arbitrary inflation of the alleged debt from the first phone call to the written notification. 

I have phone records of their calls and a copy of the written notice. This should prove that they did not comply with the 5 day limit of sending written notice from the first phone contact. I can also provide a list of the times that they called, establishing a pattern of harassment.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (KY)

I obtained a loan from bank to pay off credit cards, a cashiers check was mailed to Macy 's to pay off credit card, the check was cashed by credit card company on XXXX XXXX, 2016 I have receipt confirmation from my bank that it was cashed. The amount has still not been applied to my account on XXXX XXXX, 2016. I have called customer service and sent messages via internet and my bank has faxed over the copies of processed checks and the amount has not been applied to my account.
Consumer complaint received 2016-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Aldous & Associates, PLLC (VA)

Aldous and Associates, a law firm in XXXX, Utah contacted me regarding a missed payment to XXXX XXXX. When I talked to them initially, I was n't aware of the missed payment so I told them that I wanted to verify this myself with my local Gym. I was told that I should n't contact XXXX and that if I did n't pay that day, I would owe even more the next time they called. I went to the Gym and paid the missed payment. The Gym even acknowledged that they should have contacted me about the missed payment but had not done so. The next day I got another call which I answered and was treated horribly by a supervisor named XXXX. He threatened me, told me to shut up, yelled at me and was generally rude. I tried to explain to him that I had paid the bill directly with Golds. He hung up on me XXXX times as I tried to explain to him the situation. He told me that he instructed me not to do that and I better pay right away. My husband called to object to the rude phone calls and asked them to stop calling. I continue to get daily phone calls from these people even though I have paid the bill.