davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-19
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Suttell, Hammer & White, P.S (CA)

To Whom it XXXX Concern : Suttle, Hammer and White identified themselves as Attorney 's via letter correspondence when they served me with a summons to appear in court in 2015. But when I call, the voice mail states the opposite as do the reps that pick up your call. I negotiated with SHW to pay {$1800.00} with {$1200.00} down and {$100.00} a month there after. I paid {$1400.00} instead and have diligently paid the {$100.00} agreed upon amount. I sent check # XXXX dated XX/XX/XXXX for the agreed amount of {$100.00} and requested a receipt that this was the last payment. Instead of correcting me that it was in fact not the last payment, Suttle, Hammer and White sent my check back to me with a letter stating it was not the last payment. Not only was this an adolescent and lame response, this jeopardizes the payment plan I had to agree too and now I am concerned of late fees. So, instead of cashing the check that I wrote, they sent it back because I wrote on an index card requesting a receipt that this was the last payment.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (AR)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

On XXXX/XXXX/2016 contacted HSBC Bank to register Credit Card for online access to pay bills. Was advised they could n't do it and to call a different number. I had them transfer me and was advised that the account had been closed and that I was classified as " deceased ''. They told me I had to go into a branch location with ID to verify identity. I went to the HSBC Branch In XXXX, MD @ XXXX XXXX XXXX XXXX, XXXX, MD XXXX. They took photocopies of my ID 's and said that there was nothing they could do at the present time and had to be worked on in house. They said someone at HSBC made an error but gave no time table or additional info regarding resolution. The personal I was dealing with at the bank said, " we are waiting for a copy of the death certificate. '' They did not provide any details as to why I was identified as deceased said I could not pay my bill over the phone or online because it 's currently in collections.
Consumer complaint received 2017-01-11
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc. (TN)

I received a loan of {$400.00} from Advance America. I am a XXXX person and had a hardship and could not pay the loan myself. I had XXXX pay the loan. On XX/XX/2016 a Settlement Agreement was reached with Advance America / XXXX for {$250.00}. Yet I continue to be contacted by XXXX of XXXX claiming that I owe over {$300.00}. I have stated to XXXX that this debt has been paid in full. I have offered to present her with the documentation but she refuse to accept any documentation. She asked for an account number, I obtained the documents and account number but she again refused because she said the amount was inaccurate. I have requested that she send me some validation of debt but she refuses and instead threatens to take to court for the amount, which I do not owe, and have me pay court costs also.
Consumer complaint received 2017-01-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AL)

On XX/XX/2016 I submitted an {$1800.00} payment to Loancare to be drafted from my checking account. After learning it had not been deducted from my checking account I called LoanCare to check the status. The XXXX told me it takes XXXX business days to draft and it should be fine. Finally, the payment still had not been drafted so I went on the website and contacted Loancare. They told me my account number was wrong (! ) and I was assessed a {$30.00} NSF fee. I explained the history and they said too bad you have to pay the fee. They also indicated that they tried to call me and email me which was a blatant lie as I have both voicemail and fully functional email. They also charged a {$5.00} payment fee to resubmit another online payment. This is a VA Mortgage which when notified did not concern them.
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union had a glitch in the system that violated the rights of the consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as as result. 
No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 

XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2016-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (GA)

My drivers license, social security card, and other personal documents were stolen from me in 2012. As a result, a fraudulent account was opened in my name and there is an attempt to collect on it from Syndicated Office Systems. I have contacted the collector and provided them with police documents and fraud affidavit. They referred me back to XXXX XXXX XXXX - the original creditor. After months of me contacting XXXX XXXX XXXX and receiving conflicting information that they can not provide me with any documentation as to the validity of this debt, I keep transferring my calls back to Syndicated Office Systems who apparently are reviewing this account, but they have been reviewing it now for about 2 months and have they had any documentation proving that this in fact is my account and not an account resulting from an identity fraud, they would have provided me with that documentation or at the minimum, they would have provided me with the progress of their investigation. Syndicated Office Systems and XXXX XXXX XXXX are violating my consumer right by reporting false and fraudulent information on me to credit reporting agencies.
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A merchant tried crediting me back for {$1500.00} in XXXX XXXX for a payment I made with a old debit card in XXXX XXXX. This credit never posted to my bank account because Bank of America can find no record of this card in my name. However, I have receipt from merchant showing I paid with the said debit card and a matching bank statement showing the charge on that card went against my bank account. I also have email from Bank of America bank in XXXX where they are informing me they are disconnecting this card do to security concern. Even with all of this clear cut information, Bank of America still denies I had that card. The merchant ( XXXX ) has provided receipts and their bank statements with trace numbers to try in find out where the funds are now since it did not return to them. I have been going at this for 3 weeks now and no one at Bank of America will look into where the funds actually are now. It should be easily traceable with the trace number to solve the issue. Why can no one tell me where the funds are now to solve the issue? Please help. Thanks.
Consumer complaint received 2016-10-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

I had a mortgage with XXXX XXXX. I made all payments, I even had a payment plan with them, bi-monthly. They closed that program down wth no warning. I was injured on a job, had XXXX fell behind in payments, caught up the month in question is XXXX. My daughter and I made the full payment, late but it was made. Later on XXXX had a Home preservation program ( loan modification ) I entered it during XX/XX/XXXX. The modified payment began on XX/XX/XXXX- XX/XX/XXXX, a six-month program. after it was done I was to resume my normal paymens. Somewhere along the way, XXXX destroyed six months of payments they transferred my loan to Carrington, then they said I was behind and owed Carrington the six months of payment beginning in XX/XX/XXXX including the difference from the modification payments. I have my records that shows I paid everything and Carrington will not accept them because of a missing signature on faxed copies. They have sent back my payment for XX/XX/XXXX. They accepted my payments for XX/XX/XXXX and XX/XX/XXXX. They told me they will not accept anymore payments from me.
Consumer complaint received 2017-01-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CO)

RE : Issues over Home Financial Hardship Application with US Bank Ref : US Bank Home Equity Line Accounts XXXX & XXXX Property : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Mortgage Complaints Consumer Financial Protection Bureau XXXX XXXX, IA XXXX Dear Sir or Madam, I and my wife are the owners of the above property, which is solely encumbered by XXXX US Bank Home Equity Lines of Credit with the above account numbers. 

We are trying to sell our house, but due to the ongoing decline in the XXXX real estate market, the value of the house is now at or below the value of our outstanding debt to US Bank. We submitted a request for a short sale, with the Home Financial Hardship Application and all required paperwork, to US Bank on XXXX XXXX, XXXX. In early XXXX, we received letters that XXXX relationship managers, XXXX XXXX XXXX and XXXX XXXX XXXX, have been assigned to our case. Since then we have cumulatively left XXXX voicemail messages and sent XXXX emails to XXXX XXXX and XXXX XXXX, but received not a single response. We have also repeatedly called the US Bank customer service lines for both mortgages and home equities, but were given the run-around each and every time. 

We recently received an offer on our property which was below the value of our debt, but not having received authorization for a short sale we were unable to accept the offer. 

We are XXXX XXXX XXXX seniors with serious health issues ( please see attached HFHA hardship letter ). It is now 74 days since we submitted our request. We need assistance and are extremely frustrated and disappointed by the way US Bank has handled our case. We respectively request the CFPB 's assistance to resolve our case in an expeditious manner. 

Sincerely, XXXX XXXX Phone : XXXX XXXX XXXX ( cell ) / XXXX XXXX XXXX ( home ) Current Address : XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-04-19
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I am a XXXX in XXXX XXXX. A client came in discussing harassing behavior by a debt collector. I generally make contact and then send a cease and desist letter on the client 's behalf. This person answered the phone improperly - " Law Office '' then he lied to me about the debt, would not provide a fax number, and then called my office back to harass me. Threatening me and my client. ( By the way, he claims to have been collecting on an HSBC debt. ) He reported the following information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone # : XXXX Fax # : XXXX
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

My husband ( XXXX yr. old ) was the victim of " you won a prize '' type scammers. They abused him into giving them XXXX  of dollars in gift cards, bought with credit cards. Once I found out what was going on, I stopped it. I filed reports with police, FBI, FTC, our local district attorney, etc. 
California law ( we are CA residents ) requires that credit card transactions done UNDER COERCION must be deleted. 
I have been disputing the transactions my husband did under coercion and threats from the scammers, as " done under COERCION. '' But the credit card company stubbornly refuses to consider this and keeps saying, " These transactions are not fraud or stolen identity. Your husband did them himself. Therefore you must pay. '' They refuse to even consider COERCION and therefore refuse to delete the transactions. By doing this, in my opinion, they have joined the scammers in their crime of elder abuse.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Application processing delay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This is a follow-on to several existing CFPB complaints against Bank of America. Further to the existing file, they incorrectly applied a payment in XXXX to the prior month when it was intended to pay the current month. they therefore said the account was late. they applied a late fee on XXXX XXXX. I called on XXXX XXXX and explained the situation. They removed the late fee. They neglected to note the file that the payment I had made was for the immediate prior month statemnt, so when the next one closed, they carried forward an erroenous past due amount, even though three days earlier we talked on the phone and they " fixed it. '' I then had to call in again for over a hour on a Sunday and, after having the rep misinterpret my file thining I was a chronically late payer, when in fact I pay as early as possible, she said she moved the payment, it was fixed and the wwebsite would be correcteds to no longer show past due. all I would hve to pay is the newest mnobnth. The webstie did not correct and I filed a CFPB complaint earlier this week. They still have not fixed it. so I paid {$100.00} for the current month even though the website still showed wrong info. This mornign, the website is still showing a missed payment and a late fee as due. I am on the phone with B of A and the rep is telling me to disregard the late payment notificatios the website is displaying. No, the website needs to be correct and if I don ' ; t get them to fix it, you don ; t get them to fix it, or I make a /THIRD payment this monthkl they will still rerroneously relfect me as late. sorry for a all the typose, I am in a XXXX rage at this point. -- Five minutes in, and the rep on the line is acknowledging, for the umpteenth time, that this " should have been corrected, you are absolutely right, we will get this tken care of straight away ''... but they never do, and then when it happens again, I wil have to spend hours trying to get it corrected.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : ITEMS TO DISPUTE Credit Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Furthermore, I have asked for access to my bank statements for my accounts. Normally these statements are available online. Since they have revoked my online access, I can not view or download any of my bank statements. To add insult to injury, whenever I call into USAA to request the statements be mailed to me, I am told I must pay {$10.00} per statement. I believe there are payments that were made to my loans with USAA that are evidenced on my bank statement, yet they are not giving me access to documents that will either prove or disprove my claim. 

In XX/XX/2016 I also purchased an extended vehicle contract on a XX/XX/2016 XXXX. At the same time, they closed my account relationship with them, they cancelled the agreement and refunded all the money I paid in to it, even though I did not want this third-party agreement cancelled. They issued me a refund, yet I have no way of confirming whether the refund is the proper amount. I can not verify information online and the payments would be evidenced in my bank statements which they are not providing to me. Needless to say, when USAA cancelled this third-party contract, the action prevents me from getting coverage elsewhere without incurring a significant cost increase. It is worth mentioning that payments towards the auto warranty were made on time and were never late. 

In closing, I need the CFBP to assist me with getting my issue addressed with high level governance within USAA.
Consumer complaint received 2016-10-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (CO)

I was an XXXX XXXX XXXX and was banking with Navy Federal, I opened I had XXXX open loans as well as a credit card with them, well I also applied for the loan protection that will cover me in case of loss of life or employment, anyways, I was released from militray service casue of force of reduction ( downsizing ) I had called Navy federal since XXXX 2015 till a few months ago I also communicated thru secure messge thru their websit, what irritates me is that when i was released fro XXXX XXXX I went ahead and call Navy Federal to inquire on what was needed, I called thru their XXXX number as well as secure meesage -- - I did what was told of me, then I found out that It was thru a XXXX party that covered the protection -- - I called them and they representative told me that NAvy Federal should of told me the requirements, with all the communication with NAvy Federal theu Private message and calling them, as well as a financial planner going thru my records, I was told by representative that I wouldnt qualify becasue i was at my 31 day and I nneded a documentation stating I was receiving unemployment -- - I feel that with the lack of informationfrom Navy Federal I was screwed andnow I have empoyment that salary is way less than military but now I have a huge amount of debt that I cant pay maybe in a lifetime
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

I applied for a loan modification with my lender Bayview. I have since then have been approved for a loan modification. I have made my trial payments on time and have followed all of their instructions. I was sent my final loan modification documents on XXXX XXXX. Since then I have signed and sent the notarized documents back to the lender THREE times, keeping in mind to send it with the return envelope THEY provided for the return. I was recently sent a 3rd packet exactly the same as the previous XXXX to be signed again. I spoke to the lender and the representative told me it was normal for that to happen and to resign and send back. I did just that. Now today I followed up with the lender to confirm they received the fed ex and was informed that my loan modification was in the processes of being denied for failure to return the signed agreement on time. Which is ridiculous since I did so THREE TIMES.
Consumer complaint received 2017-03-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Consumer complaint received 2017-03-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (WI)

Santander auto financial had sent a letter from a lawyer at XXXX. My wife had called them to make arrangement for payment. She was told that if she paid XXXX dollars by XX/XX/2017, that she could make a payment on the first at just keep making payments until caught up. Well, today Friday XX/XX/2017, I XXXX XXXX XXXX XXXX was severed with a court summons to the fact that Santander is placing a judgement against us and in the court of XXXX, Wisconsin. When I called the corporation to talk about the matter, the person that took my call was very rude and empathetic to the fact that my wife was in a car accident and the fact that we have had to pay medical bills, her out of work and getting my car put back together. As a matter of fact, she said that I was lucky that I lived in the state of Wisconsin, because if not they would have already repossessed the vehicle. At this point she started becoming even more rude to the fact that she was talking down to me. I have a XXXX XXXX in XXXX and I told her that this is not the way to do business but of course being a big bank they can do what ever they want. I am a XXXX veteran, which is willing to work on this but the unforseen car accident put a strain on finances and this corporation does not care about anything but there money.