davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

Contacted Equifax to update my balance and credit limit increases for XXXX credit cards. They filed a dispute and ask for proof of billing statements. They asked me to fax them info of this. They completed the dispute and removed credit limit and placed my balance at XXXX. I have contacted both creditors who showed me proof they submitted this information. XXXX XXXX and XXXX happily and easily updated required information however, Equifax refuses to budge not matter what evidence I present to them. They were even able to view reports from other agencies and refused again to do anything about this.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days, and you are in VIOLATION of this law because I am victim of identity theft!! Please delete these items Immediately! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relate.s. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (MA)

XXXX XXXX has been working with Seterus to be reviewed for alternatives to foreclosure. Upon suggestion from Seterus, XXXX listed the property for sale as a short sale and subsequently received an offer on his property. Upon submitting the 3rd party authorization to Seterus on XX/XX/XXXX and the full short sale application to Seterus on XX/XX/XXXX, I was advised that " Seterus is way too backed up and behind to even work on getting the borrower 's authorized third party onto the account any time soon ''. I was also advised that " because Seterus is so behind, we probably wo n't even get around to this short sale for the next month. 

It is inexcusable to take two weeks to have a borrower 's AUTHORIZED third party listed on their account to speak on their behalf. It is also inexcusable that this homeowner is trying to avoid foreclosure, has a valid hardship, followed the steps he was advised to take and is being told that his bank simply wo n't have the time to help. There is a foreclosure sale date coming up and Seterus wants no accountability. I do not know what games Seterus is trying to pull but this is not helping their borrower - it 's pushing him into a further hardship.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax continues to report a released and withdrawn tax lien even though I have disputed the incorrect information XXXX times and have provided Equifax with the XXXX documents that clearly state the lien has been released and withdrawn since XXXX. I am getting absolutely no where with Equifax. Equifax is the only credit bureau reporting this information. Equifax is doing harm to my credit and is causing me distress while I am attempting to apply for a home loan. I can not secure the most favorable rates and terms that I am entitled to. I 've also attempted resolution by speaking with an Equifax XXXX and the Supervisor. My attempts at resolving this myself have failed due to Equifax terrible customer service. I really need CFPB assistance and thank you in advance for your prompt attention to my case.
Consumer complaint received 2016-02-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (GA)

I paid my car loan off in XXXX of last year ( 2015 ) and I still have not received the title from GM Financial. That 's over 6 months. I paid XXXX payments on a 60 month loan and I feel I should have the title by now. I have received no communication from GM Financial about the loan since I paid it off. 
There was an issue with the XXXX payment. A couple of months after I sent the last payment to GM Financial I got a call from a nasty little girl telling me that my account was 81 days past due. Since I had made more payments than the loan called for and all of them had been made on time I believed her to be a scammer trying to steal money from me. I told her as much. She continued to attempt to get me to give her money but after talking for a few minutes she then changed her story and admitted to receiving the payment but lied and said the check had bounced. 
To make a long story short, the young woman had no suggestions as to how to rectify the situation except for me to give her money. All she offered to do was send me a list of payments. I already know every payment made to GM Financial so that was of no assistance. 
I came up with my own solution since the big bad poorly run financial services institution was incompetent and unable to run its business. I first checked with my bank to see what the story was with the check. They confirmed what I knew to be true, that the check had not bounced or otherwise been rejected for any reason. They did, however, tell me that the check had never even been presented for payment. 
My next step was to send a replacement check along with a letter explaining the situation. I took the steps to do this, on my own time and at expense to me personally. GM Financial actually rejected the delivery! So, once again, at the expense of my own money and a great deal of time I found another address for GM Financial and resent the letter and the check to the new address. This time the letter was accepted and the new check was cashed. 
I also received a letter from GM Financial indicating they received my inquiry and that they would look into it and get back to me. That was several months ago and I have received no communication from GM Financial since. 
I did check my credit report and it indicates that I made XXXX payments late, which is untrue, and that I still owe {$45.00}, which is also untrue. 
I need GM Financial to fix the mis-reporting to credit bureaus and to provide me with my title. At this point I also feel I should receive some damages for my out of pocket expenses and the injury to me personally and reputationally.
Consumer complaint received 2016-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (CA)

The debt collection company and credit bureau kept XXXX different accounts that were in collections on my credit report well pass the statute of limitations by illegally re-aging the accounts multiple times after they were suppose drop off my report. And I also believe that XXXX of the XXXX delinquent accounts were not my debt. And this has caused me to have terrible credit for years. And I requested a copy of all my debt information from the collection company 2 months ago and still have not received it. After I requested debt information they took those accounts off my credit report but the damage has been done. I incurred those debts in XXXX and never received a bill so I never made one payment so therefore statute limitation has been up and i just got them to remove the negative accounts XXXX of 2016. And when I contacted the collection company in XXXX of 2016 and explained to them the statute of limitations was up they told me there was no statute of limitations on my specific type of debt, which is totally false.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Coradius International LLC (GA)

XXXX reported lack of payment to credit collection company American Coradius International. I did not open this account, and even the email used to open should raise suspicion. When I researched online, it appears this regularly happens with XXXX and ACI.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am attempting to close a refinancing on a property pursuant to a divorce buy-out. My ex-husband is still on title to the property, but will not be on the refinancing mortgage, this is not his primary dwelling ( not since 2005 ), and he will be removed from the deed when proceeds are received from the refinancing. 
Capital One is requiring closing disclosures to be sent to ex-husband under 12 CFR 1026.17 ( d ) on the belief that XXXX XXXX has a right to rescind under 12 CFR 1026.23. I feel this disclosure is my confidential information that should not be shared. 
Capital One is prepared to tell ex-husband that he has a right to rescind my refinancing solely on the basis that he is on title to the financed property, since he is not a party to the mortgage refinancing, and the security interest is not being taken in his principal residence/home. 
Does Capital One have a right to disclose the information? I do not believe so because no security interest is being taken in his principal dwelling when reading the definition of " consumer '' below, i.e., he has no right to rescind. The rules further state that a person can only have XXXX principal dwelling, and ex-husband 's is not the property to be financed. 

2 ( a ) ( 11 ) Consumer1. Scope. Guarantors, endorsers, and sureties are not generally consumers for purposes of the regulation, but they may be entitled to rescind under certain circumstances and they may have certain rights if they are obligated on credit card plans. 
2. Rescission rules. For purposes of rescission under 1026.15 and 1026.23, a consumer includes any natural person whose ownership interest in his or her principal dwelling is subject to the risk of loss. Thus, if a security interest is taken in A 's ownership interest in a house and that house is A 's principal dwelling, A is a consumer for purposes of rescission, even if A is not liable, either primarily or secondarily, on the underlying consumer credit transaction. An ownership interest does not include, for example, leaseholds or inchoate rights, such as dower. 
I look forward to a resolution with Capital One to proceed. 
Thank you, XXXX XXXX
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Besides closing my account without informing me, CAPITAL ONE put charges on my account which I never made. I never had overdraft protection, but balance showing now is {$1100.00} instead of {$700.00}. I contacted them a lot of times, but they just keep ignoring me.
Consumer complaint received 2015-07-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (WA)

I have an FHA residential loan with PHH mortgage. On mortgage website I saw they hadapplied my full payment due on XXXX XXXX 2015 of {$1000.00} on principal only, I emailedthem on XXXX XXXX, 2015 to point out what they had done and to ask them to fix theremistake. They have not fixed the mistake I emailed them again on XXXX XXXX, XXXX, XXXX, XXXX 2015, Emails were also sent XXXX XXXX, XXXX, XXXX, XXXX 2015 I have gotten no answers and theproblem is not fixed, it is only getting worse They have only responded with emailssaying I have a late charge, my account needs attention, and a generic email ofthanking me and a customer service rep will get back to me in XXXX hours. I did receive a letter via USPS from a XXXX XXXX Liaison, Office of President of PHH Mortgage saying they look forward to providing me with the highest level of service As of todaythere website states I owe a XXXX XXXX, 2015 payment of {$1000.00} and XXXX XXXX, 2015 of {$1000.00} is coming due. There is also an amount of {$500.00} in a suspense account thatI am unsure of what they are doing with money ( all taxes and insurance are up to date ) Ihave asked them to reapply all funds to bring things current and to resend aninvoice/statement showing problem has been fixed As of today XXXX XXXX. 2015 I havereceived nothing from PHH Mortgage showing problem has been rectified.
Consumer complaint received 2015-07-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Americas Car-Mart, Inc. (KS)

On XXXX XXXX, 2014, I purchased a standard used XXXX XXXX from America 's Car Mart Inc. in XXXX, TN, for {$14000.00}. Today the XXXX XXXX XXXX price is listed at or between {$1500.00} to {$1700.00}. The annual percentage rate extended to me at the time was at 15 %. I 'm currently financing the vehicle in-house through America 's Car Mart. Since purchasing the vehicle I have made all payments on time ; however, I simply can not afford to continue making these high payments. For the first 3 months, I paid {$310.00} dollars every 2 weeks for payment, I currently pay {$240.00} dollars every two weeks for payment. I have 38 more payments before my last payment is due.
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Billing disputes — 
Company: Army and Air Force Exchange Service (TX)

We purchased an item from the company, we found the item local and inquired with the company via chat on their website how to return the item. They advised us just to reject the item delivery. That is exactly what we did and the company states they never received the item and will no longer return our contact attempts to help resolve the issue.
Consumer complaint received 2015-11-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NC)

My name is XXXX XXXX, I am a XXXX+ year customer of PNC Bank ... My wife was very ill XXXX requiring a XXXX to save her life ... As a result she had to file bankruptcy which as her spouse, I had to be apart of the bankruptcy even though I had no bad debt reporting on my credit report prior to filing bankruptcy. On XXXX XXXX, XXXX our bankruptcy was discharged and on XXXX XXXX XXXX, I was able to secure a home loan at 4 % interest rate for {$170000.00} with also securing a New Car Loan for {$40000.00} at a 2.7 % Interest Rate ... On XXXX XXXX, XXXX, I paid my home loan and car loan off fully and secured another home loan interest rate 3.7 % and car loan at 2.7 % interest rate ... I applied for a PNC Credit card and was informed by a PNC letter that my credit was bad and I was late paying bills which was incorrect, I contacted the president of PNC with a follow-up later outlining their facts were incorrect, I was contacted by a supposed to be PNC Advocate after informing her of the situation, she stated after her investigation they could not approve me for a PNC Credit Card, even though I had paid of XXXX homes over {$200000.00} and XXXX cars over {$40000.00} unless than XXXX years, even with a recently approved XXXX XXXX and XXXX XXXX Card all limits over {$5000.00} ... She also stated that the bank reserves the right to deny and bank card or business from customers..I since found out that all PNC Banks have been denying XXXX veterans for credit cards even though they have their monthly direct deposit XXXX deposited into their PNC accounts ... As XXXX veterans we are good enough to have our money deposited into their banks, not good enough to secure credit cards??? How do I go about filing a discrimination claim against PNC Bank for potential illegal bank practices????
Consumer complaint received 2015-12-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

I opened a Scottrade Bank account a while ago. Scottrade Bank closed the account without providing a proper explanation. I have requested an explanation from Scottrade but every time I call them they say they will only speak to customers and since my account is closed I am not a customer. 

I would warn others of this behavior, if you have any dispute with Scottrade, I would advise that you withdrawal all of your funds before brining it to the attention of Scottrade as it is likely Scottrade will place your money in limbo and not allow you access to it. 

Now Scottrade wo n't even respond to my complaints. If this is how a business treats customers, well, I will happily take my money elsewhere.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. The date of these disputes are as follows : XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections.
Consumer complaint received 2015-09-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION (MA)

On XXXX XXXX, XXXX, I financed a used XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX. The cost of the car after negotiation was {$25000.00} ; I put down {$10000.00} which brought the car down to {$XXXX XXXX. The payments of {$340.00} for 48 months began of XXXX XXXX, XXXX with the final payment due on XXXX XXXX, XXXX. After receiving a solicitation from Pentagon Federal Credit Union for a refinance rate of 1.99 % I decided to take the promotion. I contacted PenFed and was told that they would payoff the loan for {$6900.00}. I received the check from of {$6900.00} from PenFed and endorsed it over to a loan officer at XXXX XXXX XXXX XXXX. Communication with a loan officer at PenFed was that the the new loan would be about {$200.00} maybe a little more for 24 months. I agreed to this loan amount and faxed an aceptance back. I never received any documents but received a coupon book and through an oversight on my part began making payments. It was not until I completed making 36 monthly payments that I realized I had been scammed. I could not locate any loan agreements and promptly notified PenFed. This is where my experience began with PenFed and my letter of XXXX XXXX, XXXX supports my actions. Instead of PenFed taking responsibility for this practice It escalated with fraudulent documents, checks and unbelievable deception. I have attached all communication, from me to PenFed and from PenFed to me. PenFed claims that I financed {$15000.00} with the XXXX XXXX XXXX XXXX, I then turned around and financed {$16000.00} with PenFed for the same XXXX XXXX XXXX. PenFed claims that a check for {$9200.00} was issued to me and placed into a share draft account. PenFed then states that the {$9200.00} was used to payoff the mercedes. PenFed then claims that XXXX and XXXX XXXX was issued a check for {$11000.00} and produced a promissory note to go with the others that were created. PenFed claims that the {$11000.00} was used to payoff a XXXX XXXX. This XXXX belongs to XXXX XXXX and was paid off in XXXX. PenFed trips themselves up by claiming that the {$11000.00} and the {$9200.00} XXXX went to payoff the XXXX XXXX. The payoff notices from XXXX of XXXX XXXX, XXXX and follow-up on XXXX XXXX, XXXX proves beyond a shadow of a doubt that XXXX and XXXX XXXX have been defrauded and scammed. In my complaint of XXXX we did not have these documents. These documents from XXXX Bank clearly refutes any claim that PenFed could possibly make. Since my complaint XXXX others have been found who have had similar experiences. None of their experiences are as blatant as the experience of XXXX and XXXX XXXX. I will give PenFed the opportunity to satisfy my damages in an expedited time-frame. All supporting documents have been attached. Thank you. XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I need your assistance with the incorrect account showing up on my credit report. Ive brought this issue to your attention because its been harming my reputation, and I need your help. Your mishandling of my credit information has left me in a difficult position, and the inaccurate reporting has severely damaged my reputation. These errors must be corrected so I can return to a normal life with my family.
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

I have previously obtained my credit report through XXXX within the last year ( XXXX ), I have successfully disputed items on my report via Experian online ( experian.com ), yet I do not have access to my report online ( XXXX ). In other words I can not access my credit file online via the Experian website. I continue to be denied through this message " We are unable to honor your request for online access. " through experian.com. I have called Experian about this issue and the only assistance that the company can provide is to send me my credit report via mail. The gentleman that attended to my concerns only informed me that there was nothing that they could do about the matter being that they, the call center, had nothing to do with the website. Meaning they could not resolve any access issues, or any issues in general regarding the website. As of yet there is no link on the experian website in order to complain about this issue or any issue related about the website for that matter. I am looking to have convenient access to my credit file online, for review and disputes.
Consumer complaint received 2016-03-17
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by SPRINGLEAF FINANCIAL SERVICES on XXXX/XXXX/2016 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Consumer complaint received 2015-12-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGE LENDERS OF AMERICA (PA)

Went through a company called Mortgage Lenders of America LLC. We listened to the lady on how we were going to set a plan to fix the credit score. So we paid off all our debt. First mistake in which she admitted to was that she ran my credit too many times and without authorization. Final result in my family losing the house we wanted and right before XXXX. I tried calling multiple times as did my realator and this company will not return any calls.