davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (SC)

I have had a loan with Santander ( A PREDATORY AUTOMOBILE LENDER ) since XX/XX/XXXX. It is now currently XX/XX/XXXX. The amount initially financed is currently the amount owed plus. ( at least XXXX is still owed ) I have made close to 30 plus payments and all of my payments are going to interest. I have had extensions, i have a due date change, i have paid late, i have paid current, i have paid on time, i have paid before time, i even split the payment up in half and still had the payment in on time. Nothing i do is making the principle balance go down. I work for Sandtanders competitor and i see accounts on a daily basis that have a pay history that is worse than mine, more extensions, higher apr and per diem and their principle balances are going down with every payment. I have had to recent complaints with Santander and each time nothing is explained. the only thing they want to explain to me is simple interest finance, and i understand SIF i work with it, however they way this company has me in the loan i will pay off this loan 3 times in a half before its paid off, if i make two more payments i will had paid the vehicle off one time. This is a predatory loan, no one can give me an amortization schedule informing me if i pay on time this amount should go to principle and this amount she go to interest, no on can give me this information, again all they will explain is interest. Something is not right, its not fair, i am doing what i am supposed to do. my payment each month is round off XXXX, the last time i spoke to an agent she inform me that i would need to pay XXXX $ plus some more to bring me current, yet when i logged into the system i was current. I was informed that i have to pay my regular payment, plus i need to pay the interest that has accrued within the month that i was n't even due. I am being penalized daily for being on time, with the amount of interest that is accruing by the time my payment is due my car payment would need to be increased. I am tired of speaking to people that state they understand my concern yet will not do anything to see why these payments are not being allocated properly. When i drove off the lot, i had no idea how this loan would work, i thought if i made my payments on time, make extra payments, pay before time, the principle would decrease. Even with the extensions and due date that should have been moved to the end of the loan my payments should be decreasing. I need someone to look into this and see what the problem is. because i am not getting any results from Santander.
Consumer complaint received 2016-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NC)

I submitted paperwork to recalculate my student loans for repayment on XXXX XXXX, 2016. This is also part of the annual re-certification process to justify being on an income-driven repayment plan and to determine how much is owed for that year. It 's about to be XX/XX/XXXX and I still have not switched to a new repayment plan. Instead, I 've been arguing with Fedloan Servicing on a monthly basis, sometimes twice a month, to try to figure out why I have n't switched to a new repayment plan or been placed on the lowest repayment option. Each time I call, they will say something like, " You need to be in forbearance for a month and pay the minimum of {$5.00} until we recalculate the new repayment plan. '' I agreed to only pay {$5.00} ; however, the online portal will send me a reminder to pay the interest and it will show that I am going to have a direct debit withdrawal for over {$400.00} despite saying that only the ~ {$30.00} interest is owed. Instead, I just paid the interest figuring it would cover the {$5.00} and told them to suspend the direct debit. I also requested to move my direct debit to the XXXX of each month to split up my other student loan repayments. Each time I have called, they tell me that I am still in forbearance and that I need to pay {$5.00}. Months later, it says I owe over {$700.00} and I am now delinquent in payment - this XXXX because my credit score is high ( ~XXXX ) and I want to buy a car this year. They still have not switched me to my new income-driven repayment plan even though I started the process 4 months ago. When I called them the other day, they told me it 's because I paid more than the agreed upon {$5.00} and the system switched me to a standard repayment plan. This was not told to me and makes no sense as to why it would operate in this manner. Their process is shrouded in mystery and is meant to confuse and have individuals pay interest and stall the r-ecertification/new repayment plan process. They are stating that I owe ~ {$30.00} for interest and I have an upcoming direct debit in the amount of {$400.00} with a total of {$770.00} due. This means they have also re-activated the direct debit withdrawal feature WITHOUT my permission. I can not budget each month because I 'm uncertain what I owe. I am on the student loan forgiveness, too, so this is impacting that program. At this point, I just want to go back to what I was paying because I 'm so sick of dealing with them. But what I really want to do is sue them for how they 've handled my loans and capitalized off of interest payments by confusing me and, more than likely, several other borrowers.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have service with info armor and Transunion has not accurately reported or corrected the information they have been providing XXXX. XXXX has stated they have been going back and forth with Transunion as well to no resolve. In XXXX 2016 credit score was XXXX and now its XXXX - I have no idea what the credit reporting agency has done behind the scenes within a month to in accurately reflect a score of XXXX. I am trying to purchase a car and this is effecting my loan qualifications.
Consumer complaint received 2016-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Green Square Company LLC. (TX)

I have received multiple calls from this collection agency for someone else. I 've told the representative repeatedly that they have the wrong number. The rep continues to argue with about this being the first time that they 've called. 

Today the same thing happened only this time I was called a XXXX by the collection agency representative. I hung up the phone and called back and spoke with a supervisor. I was told that the they listened to the call and the rep would be reprimanded and my phone number would be removed from the call list.
Consumer complaint received 2016-06-30
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION (OH)

We were the sellers in a transaction where the Regions Bank Loan Officer provided preapproval letter. On Friday, XXXX XXXX, 2016, we received notification that the borrowers loan was approved. The purchase agreement called for a closing date on Friday, XXXX XXXX, 2016 - seven days later - and that the borrower was to be provided with a 'walk-thru ' 48 hours prior to the closing. On Saturday, XXXX XXXX, 2016, we entered into a lease agreement with a local apartment complex where we had to pay fees and prepay first months lease which totaled {$1200.00}. On Monday, XXXX XXXX, 2016, we received an email that the borrower could not complete the transaction pursuant to the contract since his down payment money was to be provided by a XXXX loan and he could not submit a request for the necessary funds until Friday, XXXX XXXX, 2016 -the day of closing. Regions Bank, in providing an approval for the loan for their borrower, did not have the capacity to do so since the bank had not verified the ability of the borrower to complete the transaction per contract dates and caused us to incur expenses based on the loan approval. We feel that Regions Bank did not act in good faith, provided false information to us as sellers, caused us to expend energy and money in complying with the contents of the contract. When Regions Bank was contacted regarding this matter and a claim of reimbursement for the apartment application fees, prepaid items and lease payment, the Bank responded that it would be investigated. However, contact with Regions Bank has gone unanswered and unresolved to our satisfaction. We would think that if a financial institution provides a preapproval letter for a potential borrower that sufficient research and due diligence would be performed to ensure that the borrower has the ability to meet the components of the contract and not cause the seller to incur undue expenses.
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OH)

On XXXX XXXX, 2016, Wells Fargo took a direct debit from our XXXX XXXX checking account of {$1300.00}. Our regular monthly mortgage payment to Wells Fargo is {$1200.00}. Wells Fargo needs to respond to these XXXX questions : 1 ) Why did Wells Fargo take out an extra {$52.00} over and above our regular payment? 
2 ) Why was this extra amount of {$52.00} not mentioned in the Wells Fargo response of XXXX/XXXX/2016 to our complaint to the Consumer Finance Protection Bureau of XXXX XXXX, 2016? 
Please respond to these XXXX questions in a straightforward manner. Evasiveness is unprofessional.
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY (VT)

We applied for a mortgage loan at td bank XXXX. They are not following through. Our representative does not return calls or emails from us or our realtor, and I now have no confidence that our loan will close in the near future. We escalated to her supervisor and were told any delays were our fault and a lack of communication and that we needed to call her, not that she answered, so we just left her another message. After leaving 2 messages she called and we happened to be at our local branch so we got on a conference call go over the papers that were emailed and had point out that the ones she said were missing were in the email. Every time we do reach our representative to get an update, she informs us that we are missing information and we are given a new list of things to send. Our assigned lawyer called us to say he does not work in the area where our property is, and the bank was not returning his call. Our assigned appraiser does n't work in the area either, which we found out when our realtor called the appraiser to get a status. Neither of these issues has been addressed at this point. Our closing was already postponed from XXXX XXXX to XXXX XXXX, but with out a scheduled appraisal there is no way they will make that date. To top it off, she told us we had to have a standard rate lock signed for them to proceed with the loan, so now if we cancel we will own them more money than we would to complete the loan. At this point we are ready to cancel and go with another lender, not because we do n't want a loan, but because they have given us reason to believe we are wasting time working with them.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Signed up with a promotion code for a checking account at CitiGold. Called mutliple times to make sure the promotion code was accepted and to make sure I reached the minimum qualifications. After not receiving the miles 120 days after the posting date ( it said to expect them by 90 days ) I called to address the issue. 4 weeks and 2 calls later they sent a letter saying it was invalid because the promo code was not addressed to me. However, they never stated that until the minimum requirements were met, I had called at least 6 times, and it was time for them to reward me with the miles. Their customer service was very slow and only about half the people I talked to seemed to understand the dilemma. Had I known it had to be actually sent to me this would be a non-issue but not one person mentioned that.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

My card was delicned last friday! I evidently missed mays payment of {$150.00}. I sent {$200.00} thinking that covered it. Why, I was not using my card. it had been shut off due to some type compromising in the system. So I was using my wells fargo card all month. 
Then you sent a new card finally. Then the chip did not work. more declining! So I had just got the new card when it was declined again while in new mexico. IF you research my account history, I charge up to {$3000.00} a month average and pay in full each month. so you shut off my card for one small amount during a period of issue after issue with my card. 
So I called again today. wait many minutes to get thru your disgusting automated service. Finally get a supervisor and am once again assured my card is fine. Prior to that I tried the chat to absolutely no avail. She kept asking me when I was going to pay our second card that is not due until XXXX XXXX, or there a bouts. 
so I went to XXXX today, and card declined again 3 hours after being assured it was all cleared up. 
I have had at least XXXX cards issued me in the past 1 year due to BOA saying my card was " compromised '' I have to keep changing my auto pays! 
When I call in, it takes up to 15 minutes to get thru the automated system to finally arrive at a human. I charge an average of $ XXXX monthly on XXXX card and almost the same on a second BOA card. And I get this kind of service and card shut off for what they said was {$25.00} outstanding balance. and that was a late fee! 
I have many others tell me the same thing going on with their BOA visa. There must be some internal issues with BOA! 

thank you
Consumer complaint received 2016-06-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

I recieved correspondence from a debt collector in whom I am unfamiliar with I asked them to identify themselves and who gave them consent to communicate with me. They appear to be debt collectors which mean they are governed under 15 USC 1692. After placing company under a demand letter and notice of dispute for verification and validation company has failed to respond appropriately and has violated federal law in their continued attempts of the illegal debt collection.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Payoff process — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates made an agreement with me regarding XXXX credit cards I used to have they harassed me for months and I eventually agreed to pay. They have never proven the debt I have asked over and over again all they do is send me statements on how much is still owed on the agreement every once in awhile. Today they sent me letters of the balance and it was more then what was owed. I called and a representative said to me after 9 months of paying on time that the agreement was never valid cause I had not paid by XX/XX/XXXX as in the agreement. I immediately got off the phone and looked for the agreement for both cards it started XXXX/XXXX/2015 I called back and informed another agent. She was looking up the account and said I am going to help you pay this off you need to just pay a little more a month. I told her I am paying the agreed amount three more months as required then I am done. I also told her that have not reported to the creditors that I have been paying the last 9 months. This company is always trying to go against the agreement we have and send me letters that I owe more. 

XXXX accounts : XXXX XXXX Account they said balance was {$450.00} and card only had {$300.00} limit my monthly payment {$37.00} XXXX. Paid up to XX/XX/XXXX. 
XXXX XXXX XXXX they said balance was {$2000.00} my monthly payment is {$150.00} XXXX. I just paid XX/XX/XXXX payment however they have not received it yet. 

They continue to harass me and try to lie and attempt to get more money out of me.
Consumer complaint received 2016-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (NC)

I recently discovered that this company was reporting a collection with account number XXXX on my credit reports. For quick resolution, I contacted them and offered to pay the debt if they deleted it from my credit reports and they agreed. Now that I have paid the debt they are refusing to remove it!
Consumer complaint received 2016-06-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Management Incorporated (MA)

This company repeatedly made fraudulent calls stating they were debt attorneys and they would be filing suite against me for a debt I did not own. After submitting a complaint with CFPB they stopped calling, but proceeded to put a negative mark on my personal credit. I called them back twice to get ANY information / paperwork that would explain how they fraudulently acquired my social security number to put the derogatory mark on my credit, but they refused to provide me with any.
Consumer complaint received 2016-06-30
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I have a pension plan with XXXX XXXX that is administered by Meril Lynch. Recently I was downsized and need the money to live on, but Meril Lynch has delayed the disbursement of funds for months. The required paperwork I supplied to them was properly notarized, then they claimed that it needed a notary seal and they wanted my passport or certificate to verify that I am not a minor .... Obviously, the papers I sent them were notarized properly by my banker and they do not need any proof of my age, because they have all of my information on file from my former employer -- age, sex, SSN, birth date, etc. They say, now, the funds will be disbursed on XXXX XXXX, but I am skeptical. When I cashed out a 401k with XXXX, they disbursed the funds lightning fast, which is what leads me to believe something weird is going on with Merill Lynch.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft. The following accounts are unauthorized and fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U.S. Department of Education/XXXX, U.S. Department of Education/XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX
Consumer complaint received 2016-06-30
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MAS FINANCIAL SERVICES, INC. (CA)

I have a car loan through a company called mas financial, they have repossed my car after I 've already made payment, they call me 20 times a day harassing me and my sister, they have texted my phone talking crazy to me and have texted my sister phone as well, is there anything I can do to solve this matter?
Consumer complaint received 2016-06-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (VA)

I co/signed for a car for my son in 2007 he and his wife left me with the payments that I could not make. The car was repossessed. The car agency called me after the repossession to inform me of what happened and asked me to make payments. The car was sold at auction but a {$10000.00} balance remained unpaid. This went on my credit and stayed on my credit for 7 years. I recently went to my credit union and they told me that the repossession has been reported again. It remains on my credit although its been over seven years. I am unable to use my credit due to this problem that will never go away. I am a senior on a fixed income who needs access to a good credit score, I pay my bills.
Consumer complaint received 2016-06-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I have been trying to wrap up a HAFA short sale for well over a year and Wells Fargo does not want me to do a short sale. Everytime I get to the finish line, they change short sale negotiators and I have to start the process over. I have been through XXXX Negotiators. I am at my wits end. Now we have a Liquidation department disregarding us. We need HAFA funds to relocate. We have a viable buyer. In fact we have had XXXX viable buyers who increased the sales price when the value increased due to different negotiators changing. We have children in school and I wanted to try to relocate this summer so that I would n't disrupt their school. I have missed out on decent housing because the short sale negotiators keep changing. Just recently, the negotiator made us resign a contract in front of a notary and had the buyer make other concessions. We adhered. We could n't do it right away when our Realtor contacted us because we had to take our oldest son off to college. He has a full scholarship and we accepted into a special summer program. It 's not easy selling our home because we do have major water damage and we have n't been able to remodel it. At least with a short sale in a year or 2, we can buy again. If we have a foreclosure or a deed in lieu, we will be prejudiced for 7 years. I am losing my mind from this. While we were waiting for a final approval, the negotiator sent their attorney notice to reset a foreclosure sale date. We just received it in the mail today. This has been a God awful experience. Now, they are forcing us back into bankruptcy. My neighbor works for the banks and told me when they start doing this, its because they want to collect the mortgage insurance claim instead of working with the homeowner. We really need help. We had a bad pickapay loan from the beginning. We want the same opportunities extended to all the other homeowners. We did everything required of us and the buyer has funds to buy this property. We really need to relocate to get back on our feet. We want to be able to get our family situated.
Consumer complaint received 2024-10-21
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. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :