davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I recently purchased a vehicle from Santander USA, I 'm being charged XXXX interest and my payments are XXXX for XXXX months, my question is I 've been making on time payments but I 'm not seeing any change in the balance or interest balance and my intrest rate is too high I thought finance auto companies ca n't not charge you over 25 percent in intrest please help.
Consumer complaint received 2015-10-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (TX)

In XXXX of 2012 I opened a bank account with US Bank and put a small amount of money. I did n't pay much attention to the account because I had n't even put any direct deposit to it or anything. Then must have been almost a month later that I finally got notice that the account had NSF a check was processed through on XXXX XXXX for XXXX. It was processed like a paper check. First off I did n't have paper checks attached to this account. Also the day the check was written and processed I was having a XXXX. I definitely not out writing checks I do n't have. Anyways the XXXX and continuing health problems were a big distraction. I started the dispute process but did not complete the fraud packet because of this. Then I was blessed to get pregnant again soon after but am a XXXX so my health and that of my baby became a priority. The next XXXX I decided to purchase a new car. We wanted to get a loan with a credit union to get a better interest rate. We applied for an account at one because you had to be a member to get a car loan. This is when the bad account came back up. We contacted US Bank and they quickly offered to open up a new fraud claim. This is where my problem 's began. We put our car buying on hold so that we could dispute the account and then go through the credit union. US Bank opened a new fraud case on my account without bothering to tell me it was beyond the allowed time frame to dispute. They allowed me to go through the motions of filing the dispute knowing it would be turned down because it was old. During the time my dispute was being processed and I was waiting for a response for the fraud investigation my old car broke down and I ended up having to pay for repairs on a car that would have been replaced already had I not been waiting for us bank. Also when they finally did get back with me and denied my dispute they sent me a letter with my first claim number on there saying that case was denied. I contacted them back requesting a letter saying the new case they opened was denied but they never provided that. So we went ahead and purchased a new vehicle but we 're limited to places that would allow in house financing. Because of being unable to get a bank financing cause of check systems. So instead got stuck with a short term loan with disgusting interest rate. All around it cost my family a lot of money over a bad XXXX that I did n't write. Stupid customer service representative when I called about my dispute being denied, I asked what I was supposed to do now. Pay something I do n't owe and was just told sorry ma'am.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

Discover Card has acknowledged that accounts ending in XXXX and XXXX were closed due to identity theft XXXX FRAUD XXXX, but had continue to charge me for XXXX purchases XXXX ( {$600.00}, {$1400.00}, {$3800.00} XXXX. Although I told them these were non receipt items, they insisted it was fraud and treated it with the Fraud Department. It should have remained in disputes. Regardless, the disputes exceeded the allowance of 45 days which then should become permanent. However you will see it took them several months with the investigation and there was no correspondence between the initial credit until they decided ( WITHOUT PROVIDING EVIDENCE ) that these transactions were valid.
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I could not believe in what I seen for Wells Fargo. They really just take action to help homeowner. We are struggling to deal with them with all their expectation and nightmare for modification. My agent has submitted a lot of documents with PROOF fax went through. Wells Fargo called me and said they need same thing again and again and sale date will not remove and underwriter was not reviewed the file. When my agent told them she faxed and went through the representative from Wells Fargo is being mean to her and said " Fax again till we receive it ''. How come they can treat us as hardship homeowner and being unfair treat to us for dealing with loan modification. We are about to divorce but now because of the house we want to keep it and work out some options. However, Wells Fargo has practiced some unfair thing following : - I have XXXX and they asked XXXX account number and transaction information. It would violate invasion privacy since they just share the room and we cant ask them to provide such as bank account information. We sent them XXXX XXXX XXXX car payment with our address on it but they do n't consider that. They want full bank statement with account on it. 
- They asked us to fax over the documents but they did not response and told us they did not get it. 
- Discrimination of marital statusAs the homeowner, we believe we have the protection under certain law and regulation. I have sent them all documents they need but they never kept their tracking of documents and asked over and over. Per California law of Dual Track, they cant foreclose the house while we are requesting them to review loan modification. They did not give us a fair review and send file to underwriter except making us headache with foreclosure sale and documents require. If it is reasonable documents, we can satisfy but they diged to detail in relationship and tenant information which we believe that it is not right. We need somebody who account manager, can follow the regulation from California Bill and give us a fair review for loan modification
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC (TX)

This company sent a negative information as retaliation to my credit report. after I reported them to the XXXX. In my prevouis report they show the account as closed and not in their office. In checking my credit report they re aged the XXXX account. 

They stated in case number Case Number : XXXX Reference : XXXX, XXXX, & XXXX they showed they closed the account. 

This is against FRCA reporting and I demand compensation for pain and suffering volutarlery or through small claims court. 

I am also contacting my states attorney generals office for the tactics used by this company. 

here is the XXXX case against them. 

Case Number : XXXX Reference : XXXX, XXXX, & XXXX XXXX, XXXX : XXXX XXXX XXXXCase Number : XXXX Reference : XXXX, XXXX, & XXXXDear Consumer Financial Protection Bureau : This is in response to the complaint received from XXXX XXXX XXXX. 

XXXX separate accounts were placed with our office for collection to service the delinquent portions owed. 
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$260.00} and it was assigned the internal reference number XXXX. The account was later closed in our office and returned to XXXX on XXXX XXXX, XXXX. Our agency previously submitted a deletion for this account ; however it appears it was not processed correctly by the credit reporting agencies. In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all credit reporting agencies associated with the XXXX account and our office. The confirmation number for this request is XXXX. 
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$590.00} and it was assigned the internal reference number XXXX. On XXXX XXXX, XXXX, our agency sent an initial letter notifying XXXX XXXX that his previously disputed XXXX account was placed in our office for resolution to the address on file. Said letter also informs XXXX XXXX that an investigation of his dispute has been completed. Our agency has had no communication with XXXX XXXX regarding the account to date. 
In response to XXXX XXXX 's dispute, we have closed his account in our office and returned it to our client for further review. When an account is closed unpaid and returned to our client, our agency submits a deletion request to all credit reporting agencies associated with the account and our office. We will have no further contact with XXXX XXXX regarding the XXXX account. If he has further questions regarding the account he may contact our client directly at the address below : XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2015-06-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

I live paycheck to paycheck. I check my bank account balance daily if not XXXX a day. The bank I use, Wells Fargo offers online and text banking so it makes it very convenient. The problem is they do not match up. Some of the dates that transaction posts change. For example on XXXX night, the XXXX, I checked my balance through text banking. I had {$380.00} in my account. The next morning, XXXX the XXXX, when I got to work at XXXX I went online and checked my balance and transactions. It still said I had a balance of {$380.00}. At this point I realized I still had XXXX checks outstanding and I needed to transfer money from my savings. I transferred {$1200.00}. That would cover the {$1500.00} in outstanding checks. XXXX hours later I received and email saying my account was over withdrawn. Again, I went online and I see that both those absent checks had cleared but XXXX of those had a date of XXXX the XXXX. That transaction was not on my statement in the morning. They hit me with XXXX overdraft fees. They did it after I transferred the {$1200.00}. I 've noticed some variances in my account before. I noticed that checks and withdrawals move around on the statement. For example, I wrote XXXX checks, XXXX for {$100.00} and XXXX for {$160.00}. According to my text banking the {$100.00} check was posted on the XXXX. But according to my online banking that check was cashed on the XXXX and the check for {$160.00} was cashed on the XXXX. Not to mention that I can not verify what the balance of my account was after each transaction because their online banking is formatted in such a way that it wont allow. It is simply a list of debits and credits and a total at the top. I really feel that Wells Fargo is choosing what dates they want things to post to get more money in fees. I went to the manager and he was unwilling to do anything to help me. I would really appreciate it if someone would look into this. This is predatory, greedy behavior. I should not have lost {$70.00}. I only bring home {$XXXX} a week and I 'm a single parent of XXXX. Thank you.
Consumer complaint received 2015-04-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I have XXXX overdraft fees from Wells Fargo. I am a XXXX XXXX and have been taken advantage of because of my age. I used a Pay Pal card to make XXXX purchases. I didnt realize that the XXXX card did not have sufficient funds so it was debited directly from my Wells Fargo account. XXXX transactions which incurred overdraft fees. I have never requested or felt the need to request an overturn or courtesy reversal of fees but i have no choice. I called and XXXX representatives and a manger who i requested to speak to claimed that Wells Fargo does not have any courtesy refunds for customers. I am XXXX man with little income and have been a good customer to Wells Fargo. This is an outrage! I went inot the banking center and they claimed that the banking center did not have a manager and no none could help me. Are they serious?? Please i ask that you the CFPB look into this and help me out.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I bought a ring from XXXX. I paid the ring off, and I applyed for a credit card and never received it. Although on my credit report showed I have a 90 day missed payment on my credit card account. Which I never received one bc they had my home address not my XXXX XXXX XXXX So I called XXXX claims and they said I have a balance off $ XXXXSo I do n't understand why my credit report says that I 'm XXXX days late. 
Thank you
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Convenience checks — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America sent me information regarding using a convenience check but made no mention that these checks were subject to a verification process that could result in their cancellation without timely notification, and that my verification of the transaction would still yield a cancellation of the transaction. 

BoA called me asking to verify the transaction which I did over the phone to a customer service representative. I found out later that although I verified the transaction, the transaction still was cancelled by BoA. I was told that the reason for cancelling the transaction was that the my verification occurred hours after the call was initially placed to me, and that the department that needed to verify the transaction was closed, and that the BoA representative I called back to verify the transaction could not contact the necessary office ( it was closed ). I was also told that because I had no signature on file with BoA, they could not verify my transaction and, ultimately, that is why they cancelled my transaction. 

Bank of America then sent me a letter verifying the cancellation with no mention of why this cancellation was occurring. The letter contained a phone number to customer service who explained to me that they had no way of understanding my issue and gave me another number to call which I did. The other number said that they were not the right department and I was transferred to another department I was finally given another number to call. 

BoA is not being transparent with consumers in regards to how they verify transactions and lure customers to use products without being forthcoming regarding the necessity of signature files etc. to verify transactions. BoA is also not forthcoming regarding how to resolve issues with customers as they gave me a number to call that was unable to give me any information and I was explicitly told by the BoA representatives that although I was given their number to call, that they had no information on my case. 

Customer Service Representative XXXX said she was going into file a complaint on my behalf with Bank of America and a letter will be sent to me from BoA.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was an authorized user on XXXX my father 's accounts but have not been for a while now. The credit card companies have removed me from these accounts yet they still continue to show on my credit report! How do I remove them from my credit reports? The accounts are XXXX XXXX and XXXX. Also my father 's name which is similar to mine shows on my credit report along with his home address. Why is this and can it be removed?
Consumer complaint received 2015-11-29
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently applied to Bank of America to modify my HELOC Loan to a 40 year amoritization loan, in order to lower my monthly payments. ( All my payments have been and are current. ) On XX/XX/XXXX the Bank of America Underwriter denied the Modification even though my Debt to Income Ratio is 49.53 %, which is within the required 45 % to 55 % range. The Bank of America Underwriter 's denial was based on her incorrect calculation of the Ratio ( the Underwriters errors have been detailed in my Table XXXX ). 

On XX/XX/XXXX Bank of America changed the HELOC loan payment from interest only to amortized over 15 years. This resulted in the monthly payments increasing from {$720.00} to {$2100.00}, which is a massive 191 % increase. To cover these higher payments from XX/XX/XXXX to present, I have had to pay a cumulative total of {$25000.00} extra [ ( {$2100.00} - {$720.00} ) ( 18 months ) = {$25000.00} ]. If I had been able to modify the HELOC before, I would not have had to pay {$25000.00} extra, which is still increasing at a rate of {$46.00} PER DAY. 

I have been seeking a HELOC Modification for over 3 years now. I have FAXed in over 20 months of documents which has taken over a XXXX hours of my time, due to chronic and systemic complications with the process. I am a senior citizen and have been a Bank of America customer for over 40 years.
Consumer complaint received 2015-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

We are in the process of completing a Short Sale applicationon our home as a necessity as my employer is relocating. Having followed all stages of the Short sale process and securing an offer with terms dictated by our OCWEN relationship manager, who assured us they would be approved, we now have an offer. Once the offer was submitted to OCWEN, our realtor was informed that the property would have to be listed on XXXX as a condition of approval. 
At no time were we informed verbally or in writing that this would be a condition of the approval. Due to the relocation aspect of this case, any involvement of a third party ( XXXX ) in the transaction would be in conflict with contracts we have outstanding with my employer and relocation company. It would also result in the existing, complete offer being retracted and leave us with no offer. We are in the process of contacting the ombudsman, to request support in our case to have the files returned to OCWEN but they are currently with a Third party without authorization from ourselves. Proceeding in the require process, of which we have never been informed, would result in jeopardizing both the offer sitting and the terms of my employment status.
Consumer complaint received 2015-06-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Claims Bureau, Inc. (NY)

I have been receiving phone calls from a company called PCB about a medical bill from a year ago. What 's alarming to me is I have yet to receive a detailed statement, as this was from XXXX year ago. 
I spoke with my previous insurance company and was informed there is no outstanding balance, and I have documentation as well. 
I 'm being intimidated by a representative named XXXX, that I have to pay my debt which I do n't have. Upon trying to get further information and explaining the situation once again, I 'm either put on hold for a long duration or they disconnect the call. 
The reps name is XXXX from PCB, and the number is ( XXXX ) XXXX
Consumer complaint received 2022-04-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mark A. Leachman P.C. (CO)

A man came to my door and served me a fake summons letter on XX/XX/2022 from XXXX XXXXXXXX XXXX  The document had no clerk signature, court date or court case number. When I emailed and asked for verification of debt- they refused to provide the necessary information. This is the business information : Mark A. Leachman PC XXXX XXXX XXXX XXXX, CO XXXX Office XXXX Fax : XXXX XXXX XXXX
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being 30 days past due as of XXXX 2014, XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX