davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

Good Morning, I bought a car in XX/XX/XXXX through a car dealership. My vehicle loan ended up going through the Santander Consumer USA XXXX. Although I never received any type of car note or statements in the mail from this provider ( ever ) I paid {$400.00} dollars every month to the company through XXXX. The initial loan for my car was {$17000.00} dollars roughly, which is why I insisted on paying {$400.00} dollars every month. In XX/XX/XXXX, I began to look for a home and once my credit report was pulled, it showed that I still owed this corporation {$10000.00} dollars. I did the calculations of what I had paid on the car so far and found that I had already paid this company {$20000.00} dollars so not only had I paid for my car in full, I had actually been overpaying them. My car ended up being totaled sometime in the earlier dates of XX/XX/XXXX, and once I began to having to deal with my insurance company, they informed me that the Santander company was now stating that I owed a total of {$11000.00} dollars and that any amount of money that I would receive for my car would go directly to this consumer financial group. I took it upon myself to call the Santander consumer USA company who went from {$10000.00} one day, down to {$9000.00} the next day, and {$2000.00} by the time that we got to Friday. I still refuse to pay this amount because I feel as though they are blatantly cheating me out of even more money that I do n't have. Upon further investigation by myself, I found out that the Santander company was already being investigated federally. 

Thank you for your time.
Consumer complaint received 2016-09-13
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CNG FINANCIAL CORPORATION (CA)

I received a threatening call from them indicating I owe them money and if I do n't pay they will have me go to jail. I have asked this company for UPSP stamped letter in the mail to support their claim that I owe them money three times. Twice on the phone and once on email yet I have not been able to get any documentation. I have provided them my correct home address. I would like to report wrong unlawful practices of this company and their collection issues.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On Wednesday, XX/XX/XXXX, I called TransUnion to verify that I had successfully added a freeze to my credit with them through their automated system, as no confirmation was provided. I was alerted by a different credit monitoring service that my social security number had been found on the dark web multiple times. TransUnion had also suspended my online account so I couldn't confirm if the freeze was in place. The agents I spoke to, after lengthy wait times and bloated explanations, weren't able to complete basic tasks such as restoring access to my own account or verifying information. I'm still unsure if they actually placed a credit freeze on my reports/records. I will be extremely displeased if I am a victim of fraud and identity theft because TransUnion was unable to perform some of the basic functions of a credit agency.
Consumer complaint received 2015-08-18
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (VA)

We met with our loan officer and established a closing date 60 days out and were told that was a reasonable amount of time to have our loan processed. We repeatedly inquired as to the status on our loan and were told that everything was ton track. Our loan officer informed us that all was set with the loan 2 weeks before closing. We then terminated our lease with our apartment complex to be ready for moving out. One week later ( one week before closing ) we were told that the loan would take another month. The loan officer then was not available to be contacted for another 4 days. My family was displaced, had to put our personal belongings in storage, and had to continue to wait. The loan officer had 60 days to complete the loan but had not even cleared it from underwriting by the end of the 60 days. A week after the closing date we were informed the loan had finally cleared underwriting and was submitted. We waited another week, inquired once more as to the status, and found out the loan had actually still not been submitted. It then took another week to submit. We submitted a complaint and the loan officer said they would lower our interest rate. We then received a good faith estimate in the mail. The interest rate was lowered, but the closing costs were then increased ( which we were not informed would happen ). We complained once more and spoke to the loan officer 's manager who informed us that they would credit some of the closing cost increase, that nothing else could be done, all actions by the loan officer were in compliance of their standards, and that we would not be reimbursed for any of our related expenses. We complained once more to a third party and were again told that nothing else could be done. We incurred storage costs, rent costs, transportation costs, and XXXX during this whole experience.
Consumer complaint received 2016-10-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (CA)

I purchased a car in XXXX 2016. The finance company is Alphera. In XXXX of 2016 I had a drastic change in circumstances and it is now a hardship to continue the payments. I contacted the company in XXXX 2016 to discuss options to solve the problem that would both provide some payment for the vehicle as well as have the least negative effect on my credit. Each representative that I 've spoken with has only offered a one or 2 month deferment, refinance that would lower the payment by {$100.00} but this would have to be income qualifying or voluntary repossession of the vehicle. I 've explained that my income would not qualify for a refinance due to my employment change. I have one other option which would be to pay-off the vehicle, which would be possible if I can sell the vehicle to a private buyer. I'v researched the vehicles value and it has depreciated by 50 % in 11 months of me owning the car. I 've had some offers on the car but would need the finance company to work with me on a settlement so that I can rid myself of this debt without ruining my credit. The finance company refuses to offer a settlement to a reasonable amount. I 've searched the internet about the company and have found that " Settlement Offers '' are offered by the company in the XXXX ONLY and not in the United States. I 've contacted the company several times requesting to speak with a member of the management team and have been turned away each time. I 've asked for the names and phone numbers of corporate executives and been told that they wo n't give me that information. I 'd like help with negotiating an affordable payoff for this vehicle.
Consumer complaint received 2017-01-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (OH)

Unfortunately my husband who paid all the bills and took care of all finances passed away unecpectedly XX/XX/XXXX. Prior to that XX/XX/XXXX he went to a debt consolidation company which we thought was legit. We signed the agreementa and made the payments. Unfortunately after his death, I had to seek a probate lawyer because he died without a will. She explained their practices and at that time I found none of the payments had been applied to the credit cards which meant all were already in default. She suggested I make a settlement with the credit cards. I did so with the XXXX I thought I had and had contact with. This credit card company has not made any claims to this debt until now over 2 years later. I look on XXXX and it shows XXXX balance so I assumed it was the XXXX I already paid. The only reason I found out is I have been trying to bring my credit score up and I constantly look at credit karma. There was an open collection listed on my report for Calvary Portfolio Services. I have since learned it is a debt collector for XXXX. I did make a XXXX payment to XXXX on XX/XX/XXXX which I thought settled everything. To my horror this is another account. I have ripped the house apart for any type of paper trail on this account and I can not find one piece of paper. We were in desperate financial trouble at the time of his death so I am not doubting that he opened this card. Once he passed I had no acces to any account info because it was on his work laptop which was siezed XX/XX/XXXX and I had no way of getting in it because of security measures. I did speak to Clavary today and requested account info but looking on XXXX it shows the acct closed collection/charge. 
I honestly thought I was climbing out of this nightmare until I got onto XXXX. I have been getting XXXX # calls but the lawyer said they can continue to call so I assumed it was what I thought was paid off. How can a company do this? It just destroyed my credit history that I have worked so hard scraping and scrimping to repair? I am desperate for help.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (GA)

After being a loyal XXXX XXXX XXXX and XXXX customer, I recently expanded by loyalty to Citi to only endure a disturbing experience as follows : I had responded to, and was accepted for, a Citi XXXX XXXX offer for XXXX awards points. 
I began using my card while on vacation in XXXX. 
My Citi card was immediately breached and I was the victim of fraud. 
The card had to be closed and a new card had to be issued. 
The new card that was delivered without notification to me and sat in the concierge office for over a week. 
I paid off the breached card in FULL. 
I activated the new card and resumed making charges. 
Citi has denied its commitment to honor the XXXX XXXX XXXX points. 

After we activated the replacement card we called Citi to reconcile the account to determine how many more dollar purchases were remaining to receive the deposit of the XXXX XXXX XXXX points. We were informed by a Citi representative the XXXX would not be honored due to the delay in making our purchases within the timeframe. We were SHOCKED no consideration was offered due to other fraud issue that was not our fault. Any access to our card information was due to insecure Citi systems since the card never left our possession. 

We have been contacting Citi for over 30 days through multiple channels only to be stonewalled and deflected ( voice mails were left with no phone number or contact information ). We finally reached XXXX, a Citi representative, who contacted XXXX XXXX. XXXX indicated they would be willing to issue the XXXX points as promised. XXXX then contacted the Citi department to have the award of our points authorized but then told us it was being denied by Citi. At this point, we were completely frustrated and felt like we had become the victims of a bona fide " bait and switch. '' Due to the delay and inconvenience caused by the fraud issue, I am shocked and disturbed Citi is taking such a hardline approach to this. Because I suffered a breach in security with the fraud issue, I believe anyone would think it reasonable for Citi to make a concession and offer some additional time to make the required purchases. 

ISSUE There is no protection for a consumer to be able to make purchases when fraud has been committed. The delay caused by the card being closed should not penalize the consumer. Citi should make reasonable and fair provisions for the opportunity for purchases to be made. 

THE ASK Citi to reissue the card and honor the award of the XXXX XXXX XXXX points. 

Any help you could provide would be greatly appreciated.
Consumer complaint received 2015-08-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MI)

During my loss mitigation application process, I contacted Ocwen at regular intervals in order to understand my loss mitigation options and understand the status of my loss mitigation application. On Thursday, XXXX XXXX I made three attempts to contact Ocwen. Upon each of four initial contacts, a representative transferred me to the Ocwen short sale department. During my call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX A recorded message answered at the short sale department and explained that Ocwen business hours were between XXXX and XXXX and then my call was disconnected. Because the call was between those business hours, I could find no reason why my call was not answered. On Friday, XXXX XXXX, I had the exact same situation occur at XXXX XXXX and XXXX 

I believe that there is a system error at Ocwen that is resulting in an unfair practice to me. I have no control over their automated system, or errors that it perpetuates by hanging up on borrowers. I was disconnected XXXX TIMES when trying to obtain information on my loss mitigation application. This resulted in delays getting me information about my application. If Ocwen does not have a glitch in their automated system, they do not have appropriate phone system procedures in place to route calls appropriately.
Consumer complaint received 2017-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XXXX Co {$2500.00} dollars for a shelf corp see attach Was scammed and want Wells fargo to close this fraud account and refund my money Account money was tranfered to XXXX fargo account number XXXX routing number XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am seeking your help regarding the misleading account on my credit report. The harm to my reputation is significant, and I urgently need your intervention. Your handling of this has caused immense damage, and this incorrect data must be removed from my report immediately.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2017-01-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Around XXXX XXXX, XXXX i purchased a XXXX XXXX XXXX for the advertised price of roughly XXXX XXXX. i was told That Credit acceptance can not authorize me to purchase a vehicle higher than that price, and that after 1 years of on-time payments i can refinance and purchase a different car. When i contacted Credit Acceptance to refinance, they told me there is nothing they can do. Due to Credit Acceptance High interest Rate ( I currently Pay 23.99 % APR ) No one will refinance at {$16000.00} loan for a car that is only worth roughly {$6000.00}. by time the care is paid off i will have paid over {$30000.00} for a car when credit acceptance and its representing dealer told me they can not finance me for anything over {$14000.00}. I believe that not only my down payment for the vehicle was misrepresented in the final quote, but also that Credit Acceptance knowingly Provided me with false information so that they can illegally charge me an outrages APR. Currently whenever i make a payment i am not given a receipt for the remaining balance and i also noticed that out of my payment of XXXX every month only XXXX of it is applied to the principle value of the car. Credit acceptance needs to be investigated for deceptive practices as well as false advertisement. If an individual can only be approved for {$14000.00} car how do they end up paying over {$30000.00} in the end?.
Consumer complaint received 2016-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

I am seeing IC System on my credit report for a supposed collection for XXXX XXXX XXXX for a bill that was paid 4 years ago and at an address in which I have not lived in 7 years. I do not know who this company is, but have seen that XXXX complaints have been filed abouts scams that are very similar to my situation ( I.e. almost decade-old bills that had been paid years upon years ago and are being resurfaced via this company ). Please help!!
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-01-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

I have contacted Midland Funding. They have a judgment against me. I asked them for information verifying what the judgment is for. They just run in circles, asking me if I am disputing the debt. I tell them I do not know whether to dispute it or not that I need more information. They say I can either accept the debt and get the amount owed or I can dispute it. I tell them I need something to show me the debt, what is was for etc. They only have the judgment and if they send me the judgment they ca n't send me the amount owed. If I ask for the amount owed, I guess I am saying that I owe the debt. They wont let me verify the debt with out disputing it. I do n't want to dispute something that may be valid. They just keep speaking in circles in XXXX. The CSR was hard to understand but was not helping me at all.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (GA)

I 've been calling for the last couple of months in regards to the XXXX breach. I 've been calling last week to no availability in regards to the XXXX breach. I 've been disputing for months about these collections and inquiries. I have sent dispute letters along with updating my address and employer. I asked for validation from creditors they sent copies of a bill with a totally different social security number. XXXX XXXX XXXX is one of them. I have called several times they have the last 4 of the ssn as XXXX where else mine is XXXX. I have several unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. Charged off accounts that I have already paid the beginning of this year and have asked to be deleted since I have paid them that are still showing up negatively on my credit report. I have paid my XXXX XXXX XXXX for XXXX, XXXX XXXX credit card that was sent to XXXX XXXX, my Wells Fargo credit card, XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX. I have accounts that I have disputed several times on all credit reports along with the social security number XXXX that is not mine along with accounts that I was n't aware I owed XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have sent validation letters to all 5 companies needing proof that these debts are mine. I have yet to hear anything back I 've also sent this in the beginning of the year. I demanded to see verifiable proof with my signature on file for those accounts. Under the FCRA unverified accounts must be removed if unable to provide me with an copy. I have n't received a copy yet.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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