davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (CA)

Ive been a Santander account holder for a little over a year now and Ive had some hard times come and I ask the company for a payment deferment and they tell me my account is in excellent standing that I should n't have an issue being approved. So I wait the 2weeks they told me it would take for a " Manager '' to decide my approval and I never receive a call or email, so I take it upon myself and call them. They then tell me I was denied because I was not past due atleast 10 days or more. I do n't think its right to accrue late charges and interest for every day after the 10 day grace period they have, if its not easy for customers with great payment history to be approved. Not to mention the loan is way more then what the vehicle is even worth, even for it being a newer vehicle.
Consumer complaint received 2016-02-21
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (VA)

On XXXX XXXX I received the attached letter from " FORD : Security Operations ; XXXX XXXX S.D. ( believed to be XXXX XXXX ). The letter is very disturbing threating reinstatement of an unpaid account & financial delinquency reporting to Credit Agencies. The report is specious and unsubstantiated. The Ford Service Credit Card : XXXX never solicited by me. Unknown to me the credit line was initiated in XX/XX/XXXX & paid in full that year. In XX/XX/XXXX a hard copy credit card was received in the mail. Upon receipt & investigation the account was cancel with a balance of XXXX ( XXXX ). The plastic card was destroyed. On XXXX XXXX XXXX the issuing bank was called : In summary their transcribed report stated : " Account close with XXXX balance ''
Consumer complaint received 2015-07-24
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP (RI)

My dad XXXX XXXX owes XXXX, and the debt collector is XXXX, XXXX. I am power of attorney for my dad and have been trying to make payment arrangements. They will not accept unless I give them my debit card number or banking information. I explained to them that I could either mail in payments, pay online or by XXXX XXXX. They will not accept. I have still been mailing in payments. I told them that I would make a payment on XXXX/XXXX/2015 but they have been calling every day. They are trying to get my account information. The representative that I spoke to is XXXX XXXX and is also the one that keeps calling. Also, the age and last XXXX of ssn are my dad 's since it is his account, but they will also have my name on record as poa
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

My husband and I have had a credit card account with Macy 's for many years. As with all of our accounts, we have NEVER kept a balance with Macy 's and our credit scores are in the exceptional range. I received notice from my credit monitoring company XXXX that they found a negative report on our credit from Macy 's. We had made a purchase three months prior that we were never billed for, and were unaware we had a balance. Upon discovering this we paid it immediately and requested that the negative report be removed because we had never been billed. The Consumer Credit department personnel were unprofessional and practically hostile to our request. Rather than recognize from our long standing payment history that we were unaware we had a balance, they would not accept our honest account that we had never been billed. This was predatory and Macy 's needs to remove the negative report from my and my husband 's credit account.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (AL)

We have applied to Citi Bank Mortgage at least 3 time to refinance our loan and take some cash out. Citibank ask us to close several other accounts which we did, fax document after document and then later deny our request yet would not provide an explanation. They always send us a letter referring us to one of the credit bureaus. 
Our mortgage has been with Citi for over 10 years but they can never give us the respect of an explanation or reason for the denial. They would constantly call or email with their many demands for many forms and documents, yet when it 's time to hear the results and reason it 's always a voice mail. To me that is very disrespectful I think this is discrimination and need to be addressed.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (AZ)

On XX/XX/year> I sent XXXX, XXXX and Equifax a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (NJ)

I have a Discover credit card and have been a member since XXXX. With the exception of a few late internet payments, I have been a responsible customer with them. I had the false impression that my interest rate was approximately 15 %. Yet, when I looked at my current statement, the rate was 26.99 %. This prompted me to do a review of my Discover credit statements dating all the way back to XXXX when my rate was 13.99 %. In XXXX XXXX, I did not make a payment and that increased my rate to 18.99 %. In XXXX XXXX, I then paid off my balance of {$330.00} to show good faith. In XXXX XXXX, my rate was increased to 23.99 % without any reason other than that my interest rate was variable. In XXXX XXXX, my rate was increased to 28.99 % without any notifiable reason. In XXXX XXXX, Discover then reported that my rate should have been 26.99 % and they adjusted it accordingly. Since XXXX XXXX, I have unknowingly been paying 26.99 % interest on my credit card balances. I realize that I should take responsibility for not being diligent enough with tracking my credit card interest rates. However, a review of my account with Discover will show almost fifteen years of being a responsible customer. The penalty for a few missed payments is rather steep. It seems that I would need a professional accountant to truly calculate the total cost of lost money over the past five years.
Consumer complaint received 2015-07-24
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (CA)

I took a XXXX loan from Cash Call. In taking the loan I was never disclosed the accurate interest rate. I was thrown a bunch of percentages that at the moment did n't seem to make sense. When I asked them to clarify, he told me that " interest was higher than most loans but was n't too bad. '' That what I would want to do would be to " pay the loan off as soon as possible ''. I thought to myself well DUH! and how bad could the interest be. I asked if they would send paper work after the loan funded so I had an accurate description of the interest. They said yes and happily took my banking information. I never received paperwork and I have come to find that I am paying roughly XXXX per month as my payment and {$0.00} cents of that are going to principle. This cant fit in a box called fair lending. This is financial prison! They wont work with their customers and the harassment is relentless. I took off the ability for them to have ACH access to my back account and the calls have been non stop. The calls start XXXX days before the due date. On the due date last month and I logged XXXX calls to my home and cell in a XXXX hour period and into the evening. By far the worst experience I have ever had. The company seems to take pride in how they take advantage of their customers. They use no moral compass in how they navigate business. Whatever law they are operating under should be very closely looked at by the proper authorities.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC (CA)

I had completed return and renew my vehicle in 2013 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to XXXX forget to return the XXXX vehicle electronic key to XXXX, so XXXX XXXX XXXX bill me the penalty {$470.00} start from XX/XX/2013! and then I had complain with XXXX and also contact with XXXX financial services so many times for remove the record, but no any action, and then they still transfer the bill to Debt collection company -- --! so please help me to dispute my inaccurate information on my credit report! Thanks!
Consumer complaint received 2016-02-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (ID)

Midland Credit holds several accounts under my name. They have re-aged each of them on my credit file. All of these accounts were first reported delinquent in 2009. Midland Credit has purposely re-aged the accounts to cause them to remain on my credit file for longer than the seven year limit in violation of Federal Law. I sent them a letter listing all these accounts and they have refused to provide me with correct information verifying the debt and date of delinquency. I have listed all of the accounts in a letter that I sent to Midland, attached hereto. They sent me a letter in XXXX saying they needed more information but I only have the information on my credit files.
Consumer complaint received 2015-07-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

I was charged an overdraft fee on my checking account when it was not overdrawn. I also do not have overdraft protection. I called the bank to have it removed and they refused to even though my account was never overdrawn. This bank has very aggressive practices with regard to overdraft. They said the fee was for a pending transaction that had not been presented to my account for payment yet. This is one of the most ridiculous things I have ever heard. I have an attatchment of the exerp of my statement that contains the questionable practice by this bank. In it you will see that my account is never overdrawn except for when the fee was charged.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-01-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (SC)

On XXXX/XXXX/13 XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX SC borrowed money from XXXX XXXX XXXX, XXXX SC. Payments were not made and the account was sold to Midland Funding LLC. Midland Funding is attempting to collect the debt from me, I have informed them of the error but that does n't help. They continue to try to collect from me. I 'm an XXXX year old man totally debt free. My house, my cars and everything else I own is debt free.
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently got a mortgage and now I have numurous hard inquries on my credit reports. 
I have talked with both transition and XXXX about an account from XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (IN)

I have an account with Synchrony Bank for purchases at Amazon.com. I have the account on auto/recurring payments. Last month, instead of paying the minimum, I increased the monthly recurring payment amount and was told that this would be immediately effective since I was already setup on recurring payments. 

My payment was due on XXXX/XXXX/2016. I logged in today and saw that the payment was not made and that I had additionally been charged a {$25.00} late fee. I called customer service and they told me that there was nothing that I could do, because I was late. The CSR was extremely rude and told me that I was late, despite the fact that I was on recurring payments. 

I engaged a CSR on chat who was able to waive the late chargein 24 - 48 hours. However, I wanted to file a complaint because I thought that this was an unethical practice and I asked for a specific name to send the complaint to. She would not provide the name - gave me a XXXX XXXX XXXX and then told me to send it to 'manager '. XXXX XXXX was the CSR. 

I can only imagine how many people have been charged a {$25.00} late fee for the same reason. It is unethical and unscrupulous and the practice needs to stop.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

While applying for a personal loan in XXXX XXXX, it was discovered that Bank of America never released the lien on my mortgage. According to the letter they sent me, this should have occurred in XXXX XXXX, when I switched to XXXX XXXX XXXX XXXX. After numerous phone calls from me, I was given a request # XXXX. Bank of America eventually determined that XXXX XXXX Mortgage, who had previously held my mortgage, was out of business and Bank of America was trying to get someone to sign off on my loan. I have been calling weekly and waiting for something to happen ever since. I have been given several names of agents supposedly in charge of my case ; the names change frequently. The latest name I was given on XXXX XXXX, XXXX was XXXX XXXX, but other names I 've been given are XXXX XXXX, XXXX XXXX and XXXX XXXX. However, I 've been told I can not contact these people directly. My message is supposedly passed on by whichever operator picks up my call. Considering I 've never spoken directly to any of the these people, I have to wonder. It has been extremely frustrating dealing with this bank and as of yet, the lien is still not released. It 's a good thing I was n't waiting to sell my house tomorrow. It has been XXXX months and I 'm still waiting!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2016-01-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (OK)

I have had this loan for several years ; originally from XXXX now PHH Mortgage. I have tried to prepay my loan as is allowed per my original loan and I have been denied. I receive salary payments every 2 weeks and established a direct deposit transaction every 2 weeks coinciding with my pay. I also pay additional funds towards the principal to again pay my loan down quicker. PHH refuses to apply my payment when they receive it rather wait until the payment is full to apply to the loan. I called them an asked them why they did n't apply it to my loan, they stated that their payment system does n't allow it I can select either paying twice a month or once a month or by phone/fax. Those are our options. As of XX/XX/2014 they have now quit applying the additional principal amount that I have been paying.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

RoundPoint Servicing employs fear mongering to trick customers to sign up for there electric statements. Lying about statement content in the process. 

XXXX/XXXX/XXXX and XXXX/XXXX/XXXX : RoundPoint Servicing sent out a mass email and letter in which the company warned customers that full social security numbers are sent on all mailed year-end statement, and that account holders should protect themselves by signing up for online only statement. 

Direct quote from email below : " ENROLL TO PROTECT YOUR IDENTITY Did you know your full social security number is included on your year-end statement? 
Sign up to access your statement electronically to reduce the risk of fraud and identity theft that comes with receiving paper statements. '' Had this been true Roundpoint would have been literally advertising to the public where every RoundPoint 's customers social security number can be stolen from. They should be better stewards of there customers private information. There is no reason to send out any mass email that states where sensitive or confidential customer will be located and when it would be sent out. 

I digress, I did not immediately notice the email but later in the month when I received the mailed letter I become worried and signed up for the online statements. AFTER signing up for online statement Roundpoint informed me that my submission was too late and would go to into effect until next year ( XXXX ). After I signed up I was informed I could not go back to paper statements. 

When i received my year-end statement in XXXX XXXX my full social security number was NOT included. Instead only XXXX followed by the last XXXX of my social. 

RoundPoint was clearly employing fear mongering tactics to trick customers into signing up for there electric statements. Had the company honestly stated that only the last XXXX of my social would be included on year-end statement, I would not have signed up for electronic statements.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Subject : Charge-Off Dispute and Correction Request Under UCC 9-210 I am writing to formally dispute a charge-off entry on my credit report.

Under UCC 9-210 of the Pennsylvania Uniform Commercial Code, I have the right to request a detailed account of the charge-off and its related transactions. I am disputing the accuracy and validity of this charge-off. I request that you provide proof of the debt and the charge-off details, as outlined under UCC 9-210 , which mandates a creditor to provide an accounting of the debt. I request for action Verification, Correction, & Removal. Please provide me with written confirmation of your receipt of this request and notify me of the outcome of your investigation within the timeframe required by law. Enclosed are copies of my credit report highlighting the charge-off entry in question, as well as any other supporting documents for your review.

Thank you for your prompt attention to this matter. 

Sincerely, Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX, TX XXXX
Consumer complaint received 2024-08-14
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. (TX)

I got a copy of my credit report and noticed an account and that was reinserted back on my credit profile that I did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$1600.00} Bankruptcy Chapter XXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>