davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I 'm a XXXX adult and I 'm positive that I have not made over XXXX inquiries into my credit report. I also see mistakes in account reports and in delinquent reports, because the delinquencies are due to being repeatedly ignored on the phone to give proper insurance information. Furthermore, I do n't know how to get help with a XXXX committed against me that may be effecting my credit. The manager of an XXXX store in XXXX named XXXX XXXX pushed me physically out of the store because she said I 'm too " XXXX '' to have an account with them, immediately after I asked her to speak more slowly due to a XXXX XXXX.
Consumer complaint received 2017-02-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC (TX)

I am the co-signer on a student loan for my son received in XXXX from XXXX. After some time XXXX took over the loan. My son graduated from college in XXXX. I completed a chapter XXXX bankruptcy in XXXX. Transworld Systems , Inc. sends me a collection letter. This loan has a charge off date of XX/XX/XXXX and the charge off amount {$24.00}, XXXX. My most recent telephonic conversations with Transworld results in a settlement of {$10.00}, XXXX. I asked them to confirm this agreement of {$10000.00} in writing to protect myself. The payments would be {$2600.00} for XXXX consecutive months. On XX/XX/XXXX I was told the letter requested would arrive in 7-10 business days. The letter did not come. I called back XX/XX/XXXX was told letter was not sent ; but now we will send. On XX/XX/XXXX I called to see if letter was sent. No letter sent. A manager, XXXX -- XXXX, told me to " trust '' them ; that if after I send all the money if there is a problem, he would confirm the settlement agreement. CFPB I would like to start sending the payments while I have assistance from family, but I do not want to get " burned '' when Transworld sends a collection for the amount I will save with this settlement. Otherwise, I am retired and on a fixed income. My son will be contributing to this reduced settlement. I just want some form of evidence to support the agreement of {$10000.00}.
Consumer complaint received 2016-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HW Holding, Inc (NC)

Hunter Warfield on behalf of XXXX XXXX XXXX XXXX made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, Hunter Warfield still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NC)

EQUIFAX XXXX HAS FAILED TO REMOVE INFORMATION OF XXXX XXXX XXXX ACCOUNT NUMBER XXXX AFTER SEVERAL ATTEMPTS BY XXXX XXXX XXXX TO HAVE THE INFORMATION REMOVED FROM MY CREDIT FILE STARTING ON XXXX XXXX XXXX XXXX XXXX XXXX SENT INFORMATION OVER TO EQUIFAX EXECUTIVE DISPUTE TEAM ASKING THEM TO REMOVE ALL DEROGORTORY INFORMATION FROM MY FILE UNDER THIS ACCOUNT NUMBER, ON XXXX XXXX OF XXXX XXXX XXXX XXXX SENT ANOTHER NOTICE TO EQUIFAX XXXX TO REMOVE THE INFORMATION AGAIN. PER MY CONVERSATION THAT TOOK PLACE WITH XXXX BACK IN XXXX OF XXXX SHE STATED THAT INFORMATION WILL STAY BECAUSE THE INFORMATION IS INDEED MINE AFTER I TOLD HER I DIDNT HAVE ANY KNOWLEDGE OF THE ACCOUNT NUMBER LISTED. A CUSTOMER SERVICE AGENT FOR THE BANK NOT AUTHORIZE TO MAKE A DECISION ON THE ACCOUNT XXXX BANKS TOOK THE WORD OF THAT CUSTOMER SERVICE REP AND REFUSED TO DO AN INVESTIGATION ON THE EXISTANCE OF THE ACCOUNT ON XXXX OF XXXX XXXX POLICE DEPARTMENT DID ANOTHER INVESTIGATION CITING THAT THE ACCOUNT WAS INDEED FRAUDULENT AFTER SPEAKING WITH UPPER MANAGEMENT OF XXXX XXXX XXXX. ON XXXX XXXX TOLD XXXX XXXX XXXX TO CEASE FROM REPORTING THE FRAUDULENT INFORMATION. ON XXXX XXXX XXXX XXXX XXXX AND XXXX LAW FIRM HIRED BY XXXX XXXX XXXX. STATING THAT RIGHTS UNDER THE FDCPA AND NCFDCPA HAD BEEN VIOLATED. AND XXXX XXXX XXXX ADVISE EQUIFAX AT THAT TIME TO REMOVE THE ACCOUNT FROM MY CREDIT FILE. ON XXXX XXXX OF XXXX XXXX XXXX XXXX COLLECTIONS DEPARTMENT MANAGERS ADVISE ME THAT THEY HAD ALREADY TOLD EQUIFAX BY ELECTRONIC SUBMISSION TO REMOVE THE INFORMATION FROM MY CREDIT FILE BACK ON XXXX XXXX. XXXX XXXX XXXX ALSO ADVISED ME ON XXXX XXXX XXXX AFTER DOING ANOTHER INVESTIGATION STATED THAT THE ACCOUNT WAS NOT REPORTING TO MY EQUIFAX CREDIT FILE. AS THEY PULLED MY CREDIT REPORT TO DO THE INVESTIGATION XXXX XXXX. ON XXXX XXXX XXXX I RECEIVED INVESTIGATION RESULTS FROM EQUIFAX STATING THAT THE ACCOUNT WAS CERTAINLY REPORTING TO MY CREDIT FILE. AFTER ANOTHER CONVERSATION WITH XXXX XXXX XXXX SHE STATED THAT THE INFORMATION WILL REMAIN ON MY FILE EVEN AFTER THE CREDITOR ASK HER AND EQUIFAX TO REMOVE THE INFORMATION IN QUESTION. ON XXXX XXXX XXXX XXXX XXXX XXXX SENT ME ANOTHER LETTER STATING THAT THEY HAD CHECKED MY CREDIT REPORT AND THE INFORMATION WAS NOT REPORTING. AND THAT THE INFORMATION SHOULD NOT BE REPORTING. THEY HAVE ASKED EQUIFAX ON SEVERAL OCCASIONS NOT TO REPORT THE ITEM. THIS CLEARLY SHOWS THAT INFORMATION IS BEING RE INSERTED BACK TO MY CREDIT FILE WITHOUT PROPER DOCUMENTATION BEING SENT WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION XXXX XXXX
Consumer complaint received 2017-02-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (TX)

I received a Speedy Cash Loan and tried to pay them off on XXXX/XXXX/2017. Their Website would not let me pay the loan off so I called them and their office was closed. I called the next day and they are charging me another interest fee on top of the one I already paid. when they should be taking into account that they just took an interest fee out.
Consumer complaint received 2016-05-25
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: AMA Advisors, LLC. (CA)

I am having massive issues with HomeBridge Financial Services , Inc . The loan processing times have been lengthy with consistently wrong paperwork in terms of costs, payoff, and cash required to close. I signed the final documents only to be told 4 days later that my loan had to be redrawn at a lower payoff amount because they failed to get accurate payoff numbers ( I had made 2 mortgage payments of which they were advised ) because they had a limit on cash that could be returned to me and could not use the cash to pay down the principal on the new loan. It has now been another week and half and I have been presented with a new CD that has the same payoff and loan amount as the previous documents that I signed with more wrong numbers to fill it in. The loan would fail again. I can not get them to provide a correct estimate or a correct CD and they do n't seem to want to correct the errors in a timely manner or at all. I have supplied correct payoff information and correct numbers through my finanical rep and there is NO reason for these delays or incompetence. Please tell me how I can close my loan and make them do their job. Meanwhile I am paying alot of daily interest to carry this loan. We estimate my loan amount should be in the $ XXXX-XXXX range and lender insists it is much higher. Payoff is {$310000.00} through XX/XX/XXXX. With the credit negotiated for my loan the payoff amount meets the same as the loan amount nearly. I dont understand why this is such a ridiculous process.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has repeatedly reported that I was late on a mortgage payments to XXXX XXXX XXXX when they were not late payments BUT disputed payments due to multiple TILA violations. The loan transferred to XXXX during the dispute process and then to XXXX XXXX when the loan was successfully modified in XXXX XXXX. The loan was sent back to XXXX in XXXX and they now service the loan. I have repeatedly notified TransUnion to get this right. On XXXX XXXX, XXXX Transunion finally corrected my credit score to a proper XXXX. Inexplicably on XXXX/XXXX/XXXX they dropped it back to XXXX. My XXXX credit score remains correct at XXXX. I called TransUnion to inquire as what could have happened on XXXX for them to drop my score XXXX points. No explanation that was reasonable was given. I have no late payments nor have I opened any new accounts. So I asked what happened between XXXX and XXXX, no answer. I need your help to get the Transunion credit score restored back to the XXXX it was prior to XXXX. Faxing document
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had requested a credit card with XXXX. XXXX approved the request and issued a credit card. When I saw my credit report information there were XXXX inquiries from XXXX. I contacted the Bank and asked why they had XXXX inquiries on my report and asked they remove them. Instead of removing the excess number of inquiries, I checked my report and they had reported that ( had reported the credit card as lost or stolen. I informed them that I had not reported the card lost or stolen, but that I wanted to close the account completely. They then caused there to be a second report of a lost or stolen credit card. I advised them that this was untrue and to correct the problem. They did not correct the problem, but did cancel my account, as I did request. NOW I have several inquiries and XXXX reports of lost or stolen credit card. This has caused my credit score to plummet from XXXX to XXXX points. I want the entire matter cleared from my credit reports and XXXX is not responding to my communications. Please help. I am very stressed that my credit score has been changed from XXXX to XXXX points and want to correct the matter so that my credit report is not impacted. When I asked them to close the account, they replied " then your credit score will decrease further '', as if they were threatening me. I asked it be closed anyway, as I did not consider them fair or helpful. Now I have a terrible credit score, all because they fraudently reported that the card had been lost or stolen. I never reported that. I had received the card and it has always remained in my possession. Can you help me get them to undo the damage they have caused? 

Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-05-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I received XXXX letters from OCWEN in XXXX XXXX XXXX Florida requesting that I submit a completed Tax Identification Form XXXX. The requested information was sent along with copies of SS card, loan document statements and a cover letter ( return receipt requested & returned to me ). A follow up conversation revealed their request was satisfied ; they had indeed received the information. Now, two days later I received a phone call from " collection agency '' stating they will be deducting money from my account if form not received. I advised that I will be paying off the loan before their XXXX XXXX, 2016 deadline. 
This is harassment!
Consumer complaint received 2017-02-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I applied and provided {$3000.00} to obtain a secured credit card in XXXX 2017 from Union Bank of California. The card was stolen from the mail. The closed their investigation on XXXX XXXX, 2017 in my favor. I called today to get the status of my card and they advised that I was was delinquent on my account and that I could not receive my card until the bank investigates further which may take another four days. If I had not of called the bank on XXXX/XXXX/2017 I would never of received my card.
Consumer complaint received 2016-05-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Northland Group Inc (AZ)

Northland Group INC, stated if I pay them in full XXXX XXXX. 2016, they would remove this information off my credit. I paid in full they have not removed the information off my credit to this day, after many attempts. Northland is collecting for XXXX XXXX XXXX Reference # XXXX ph # XXXX.
Consumer complaint received 2015-08-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (FL)

I had a hardship back in XX/XX/XXXX. I, under my own accord, volenterally repossessed my XX/XX/XXXX XXXX XXXX. I had a loan thru XXXX. We agreed on a settlement with monthly payments that are due each month for the amount I was upside down on my loan. They call me every month witch I am usually at work when they do. I have asked them to stop calling me as I am agreeing to the settlement and have made every payment on time. They told me that there " system calls me automatically ''. I understand that if someone is n't making payments or is late they would call, but for someone that is making ever effort to make the payments on time why sound I be harassed this way. I was also told that I could make my payments with my credit card with a 9 % charge. I have to mail my payment because of this. I do n't understand that if I am paying my regular car payment I can do this online. Because of the settlement process it makes me feel like they are trying to make every effort for me to be late and break our agreement.
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

When I spoke to the representative, they informed me that I had a bill from  XXXX  that I had owed. I asked them for a copy of the contract and they sent me nothing but a bill but no verification. The representative was extremely rude and term " entitled veteran '' when I was letting them know that because of my  XXXX  I can not continue the call and will disconnect.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I submitted an online bill payment to Ditech for a mortgage payment on XX/XX/XXXX and confirmed with my bank ( XXXX XXXX XXXX ) that the payment was mailed XX/XX/XXXX. I was advised by a Ditech rep XX/XX/XXXX that payments are backdated based on when payment was postdated, which I learned later may be incorrect. Ditech posted my XX/XX/XXXX payment on XX/XX/XXXX and reported 30-day late with all XXXX major credit bureaus. I called Ditech XX/XX/XXXX and they advised me they would escalate my customer service issue to a supervisor named XXXX XXXX so they can review recorded calls substantiating how I was misadvised on payment processing/posting times. I did not receive a call or any correspondence from Ditech so I conducted a conference call between my bank & Ditech to resolve payment issue on XX/XX/XXXX. I spoke to XXXX XXXX at Ditech and she was very dismissive of my request and became very agitated indicating there was no wrongdoing on their end in regards to posting 30-day late. I simply asked how they verify when a mailed payment was received and she gave me XXXX inconsistent responses. The first response indicated a Ditech employee stamps the payment with a date of receipt while later during the call, she indicated that I should call the XXXX post office because they stamp when it was rec 'd. Understanding that the call would not result in a resolution, I ended the call respectfully. I was wrongfully treated as a customer who habitually makes derogatory payments. I work in the mortgage industry and understand the importance of making timely payments. I have not had any 30-day late payments since XX/XX/XXXX, which is testament to my character and willingness to pay-as-agreed but Ditech thought otherwise and was unwilling to further investigate why the payment was processed a week after it was sent out when my previous 6 payments were made thru the same system but was posted within 1-2 days of when it was mailed. Please contact me so I can provide more details and provide documentation to support my claim.
Consumer complaint received 2017-06-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP (CA)

Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXXfrom any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, 729 F. 3d 1092 ( 8th Cir. XXXX ), cert. granted, 82 U.S.L.W. 3366 ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XXXX, therefore it did not exist to give me a loan in XXXX and did not give me a loan in XXXX.
4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check XXXX, ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non existing alleged loan has been liquidated on XXXXXX/XX/XXXX to unknown parties? see attached obtained from XXXX.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CT)

I purchased an engagement ring on or about XX/XX/XXXX and secured credit through Sychrony Financial. I have consistently paid timely and in amounts 2 to 3 times greater than the minimum required amount. I conduct all of my banking electronically. I received all notifictions through email and paid accordingly. Conspicuously, in the month XXXX XXXX, I received no email from Sychrony and therefore missed a payment XX/XX/XXXX ( I had last paid Synchrony on XXXX/XXXX/XXXX ). The emails resumed and I noticed on my XXXX statement that the minimum payment had increased so I made a payment on XXXX/XXXX/XXXX. I planned on making another payment today XXXX/XXXX/XXXX and upon looking into the account I realized that I was not only charged XXXX late fees but was also charged a 30 % interest payment of {$1000.00}. I immediately called Synchrony and was informed that I was charged the interest because I had n't paid off the balance in full by the end of the promotional period. I informed the representative that I had n't received any notification XX/XX/XXXX which is why I had missed a payment in XX/XX/XXXX and was not informed that the promotion was ending. I asked if I could pay the balance in full minus the interest charge and he informed me that I could not pay off the balance without paying the interest. I have excellent credit history and have paid this Synchrony line of credit consistently and in excess of the required payment amount since the first payment. I had planned to pay off the balance in full prior to the end of the promotional period but I was not informed that the promotion was ending. I only discovered this upon calling today. I was unaware that there were any issues with my account because I had been so consistent in my payments and had not received any notification to indicate that there was a problem. Upon reviewing my emails, I discovered that I had not received any emails from Synchrony XX/XX/XXXX. I can only conclude that the coincidence of this omission of notification was intentional and that Synchrony Financial intended to fail to inform me of the expiration of the promotion in order to secure a usurious interest payment from a responsible customer.
Consumer complaint received 2016-05-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Hirshberg Acceptance Corporation (MI)

This company has been garnishing my State taxes the past eight years and recently have begun garnishing my wages and attempting to garnish my bank accounts. I have never received any information as to what the debt is that I owe, how they acquired it and how much it is, or whether or not there is an option to make monthly payments. The only contact I receive from them occurs after a court date that I was not made aware of, usually stating that I owe them the exact same amount every year and that they have been awarded my stat taxes. Recently I attempted to call them to find out the nature of this debt, no one answered the phone and my call was not returned.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (NY)

I have been a GM Financial customer for over 6 years. When I got a new vehicle at the end of my lease, on XX/XX/year> I was not told I was no longer with GM Financial but with another Financing company when I had called GM Financial about my bill on XX/XX/year>. I had a remaining last month 's balance at the end of my lease for {$260.00} which I was unaware of. I always had my payments on Automatic payments, but when I transferred to the new Leasing company at the end of the lease term, it was removed. I now have a hard inquiry for a late payment from GM Financial that critically affects my credit score. I am asking you to remove the hard inquiry from my credit as it in no way reflects my experience and history with GM Financial. I have always made my payments on time and have never experienced anything like this. Please advise.