davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NY)

This complaint is regarding the close out of a lease and a new lease both with XXXX. 

On XX/XX/2018, my lease with XXXX should have ended once the dealership paid off remaining payments. In error, 2 payments were drafted from my checking account in the amount of {$290.00} on XX/XX/2018 and XX/XX/2018. 

I have made multiple calls to get this issue resolved. I have been told various amounts for refund due to me including {$890.00}, {$590.00} and {$290.00}. I have been promised a check arriving XXXX, XXXX XXXX refund, and emailed check ( call on XX/XX/2018 ). We all know that a check sent via email can not be negotiated. Whenever I call in, I need to start all over and get different info each time. I was told that not all calls are recorded. 

I emailed XXXX and received confirmation of receipt on XX/XX/2018. I received no response or resolution from this complaint. 

Today I called and was advised that one of the over payments was credited to my new lease. However I can not see that on a statement nor online. 

The last I was told told is that I am due a check in the amount of {$290.00}. No one is giving me accurate information on why an over payment has still not been refunded to me. XXXX XXXX is the supervisor that I spoke to today.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY (KY)

On XX/XX/2018 a charge of {$63.00} was made for XXXX XXXX XXXX. I do not own an XXXX. I attempted to contact XXXX XXXX  customer service today XX/XX/18 and was told by the automatic answering machine that the number was no longer in service. I tried several other means of contact via XXXX, corporate and my local store. It was hours later before I found out myself that the number was working again. I then waited 20 minutes to speak to someone, be transferred to the fraud dept. and be told there's nothing they could do. Apparently, I need to contact the merchant and XXXX refused to do anything at all about it. I was under the impression that XXXX alone had a policy regarding me not being responsible for fraud charges under certain circumstances ( which I qualify for ). I told her I couldn't find a real contact number for XXXX so she gave me one she was certain would work. It didn't. It connected me to someplace advertising addiction and upon recalling it and double checking the number, it told me the number didn't work in my area. So I am at the mercy of a company that is impossible to get a hold of and my credit card company who is difficult to contact. No one has hours a day to dispute a single transaction. I feel that XXXX isn't holding up their end of the XXXX guarantee, assuming they have to, and is also intentionally being uncooperative. I want the charge removed.
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CITIBANK, N.A. (NY)

This is a $ XXXX fraud. You already agreed with DOJ and NYAG that this loan is fraudulent. I have had no restitution... 

The head of mortgages for CITI, XXXX XXXX ( NMLS XXXX ) is a fraudster who stole {$1.00} XXXX plus the home-from me. XXXX XXXX XXXX he entered into a fraudulent loan application with my then husband after being referred by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for a special CITI Corporate relocation loan. Here is what the 3 men did to defraud me of over {$3.00} XXXX, XXXX falsified the application.. took the XXXX mortgage and called it and asset. $ XXXX removed the property tax from ratios. added a second XXXX  and DID AN EQUITY GRAB OF $ XXXX leaving the family penniless with a debt of $ XXXX on a $ XXXX salary. Then we made $ XXXX in payments on the fraud. Then they foreclosed when they had done as much fraud as possible -including looping... EVEN THOUGH THEY HAD SIGNED AN AGREEMENT WITH DOJ AND NYAG on XX/XX/XXXX that my loan XXXX in XXXX XXXX was fraudulent and entitled to consumer relief which I never received. you sold my loan on the open market on XXXX XXXX as part of bundle XXXX for {>= $1,000,000}. and he sold XXXX XXXX  to fraudster XXXX XXXX of XXXX XXXX XXXX as is also noted. XXXX XXXX made {$60.00} XXXX on fraudulent mortgages. How much XXXX XXXX and XXXX XXXX XXXX in commission I do not know without seeing their tax returns. To see exactly how XXXX XXXX stole from me you can read the book 'How they got away with it. White Collar Criminal and the Financial Meltdown ' by 3 professors at XXXX XXXX XXXX XXXX XXXX XXXX. CITI and XXXX feature prominently in the list of frauds. XXXX XXXX knows full well that he stole this money and my home from me and my XXXX son XXXX XXXX. We want back our money and our house back. CITI signed an agreement with the DOJ on the fraud as did XXXX and XXXX at XXXX XXXX so I am tired of fighting to get back my money from this huge fraud. So please have XXXX XXXX get a check for me from CITI for let 's say {$5.00} XXXX. seems actually very reasonable. Also I request a copy of this complaint and request for retribution be sent to the FBI and to the DOJ. Please don't send me any more copies of how you lied to XXXX XXXX at XXXX XXXX XXXX. That's perjury on top. The SEC says you took 'moral advantage ' of me. so please just pay restitution for the fraud and let 's be done. Thank you.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

There are two problems with Experian.

I attempted to obtain a single-use Personal Identification Number, to temporarily unfreeze my credit report to have electric service turned on. After inputting CORRECT information, I got a screen that stated that they were unable to honor my request. No explanation, just unable and to send in a letter with several forms of identification. As there is no electrical service at my seasonal address, using the mail was not an option. So I attempted to call, to no avail.

Thus the second problem with Experian. It is impossible, as far as I can tell, to reach a human at the toll free number. I tried several times using various numbers. I XXXX " talk to a human at Experian '', and none of those suggestions worked out. This alone is totally unacceptable, and must be fixed.

Another unsatisfactory past experience with Experian occurred last XXXX was when I attempted to obtain my free annual credit report using the website. After inputting all the CORRECT information, I was told that the request would have to be made by mail. This was the case for both me and my wife. Again, no explanation was offered. At that time, I mailed the request, and received the credit report. Time was not of the essence then.

Part of the reason for requiring these requests be mailed nay be to inconvenience people to the extent that they give up. Some of it is to protect consumer data, but if correct data is supplied in the website form, then access to the requested service should be instant.

Obviously all this stonewalling is extremely frustrating!
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

To whom it may concern I am disputing charges from XXXX XXXX totaling {$210.00}. 

TV services were installed and then cancelled within 24 hours due to XXXX XXXX in ability to provide the internet services initially agreed upon in my TV and internet bundle. 

Under Florida law I am entitled to cancel any contract within 3 days of signing. I did so within hours of the tv service being installed. Therefore invalidating the contract as well as the fact XXXX XXXX was unable to provide what they had agreed to. 

If you would like to pursue this issue further I request the following proof of debt 1. Contract 2. Proof of installation of TV 3. Proof of installation of internet * ( this doesnt exist ) 4. Recording of my call to XXXX XXXX   on the day of installation between XXXX and XXXX XXXX EST 5. Recording of second call to XXXX XXXX after the one and only bill I received from them. ( the representative stated that I owed nothing and the account would be XXXX out ) Credence RM refused to provide documentation and states only that it is valid. 

XXXX XXXX doesnt have any record of my account. They seem to have zeroed it out as initially stated.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

XX/XX/2018 I have reached out to All three credit bureaus requesting corrections to my personal consumer credit report. 

I have contacted all three agencies via telephone and also via certified US mail with my requests for corrections. 

Since my initial requests submitted back in XX/XX/2018, I was able to get multiple items corrected on my personal consumer credit report with the exception of several items that are still invalidly listed on my profile. 

Equifax is the primary credit reporting agency that I am having the greatest difficulty with getting them to report accurate information on my personal credit report. I have spoken with them via certified US mail and over the telephone with an agent representing their agency and was told that the only way that I am able to view my personal credit profile online, would be to subscribe to a service that they offer for a fee. 

Equifax is allowing various companies to list inaccurate information and information that does not belong to me onto my personal credit profile, after I have disputed it several times within the past year. This is hindering my credit abilities and causing great strain within both my personal and professional life. 

One of the main issues that I am having with Equifax, are the correct reporting of my student loans, I have consolidated all of my student loans which should be listed under only one Agency, however Equifax is listing them under the agency that they are consolidated with, but they are also listing them individually making my credit profile look as if I have double the amount of student loans which is impacting my overall credit score. 

Equifax is also allowing XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, to report inaccurate information on my personal credit profile which is impacting my overall credit and credit score.
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (OH)

I spoke with multiple XXXX  customer service employees in various departments at their main customer service number. After 2 hours on the phone I was advised that I am no longer permitted to make purchases on XXXX with my XXXX   XXXX, the XXXX store credit card. The only explanation provided was it was due to an abnormal order history. I have no idea what that means and the final representative hung up me. I was advised there is no recourse to change this. I do not understand what is occurring and would like to continue to make purchases on XXXX. Please assist.
Consumer complaint received 2018-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Hello, we have big problem again, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given.

We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed and faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. Mr. Cooper keeps prolonging this process. Mr Cooper now are saying that have all documents received for a review but they still have our home under a foreclosure sale and recently they said they put the sale on hold but different representatives keep telling us different information one says ins on hold the other says its still on sale but after reviewing and calling the trustee its still on for sale, seems to me some of the representatives are trying to manipulate and get me false information to think that everything is ok but its not according to the trustee nothing has been stopped or placed on hold.

If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. We sent them all documents and are in review at the moment but why have they not yet removed the foreclosure sale.

Thank you.
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

In a response letter written by your company, on your letter head, you documented under the section labeled " Late Fees '' : " The {$1000.00} was waived on XX/XX/2018 and is visible on the enclosed Monthly Mortgage Statement dated XX/XX/2018. 
As of the date of this letter, ( dated XX/XX/2018 ) the account is due for XX/XX/2018. '' I anticipated all corrections to be shown on the XXXX bill ... paying the requested amount at the end of XXXX and at the end of XXXX, which was documented and received by Select Portfolio Servicing , inc . 
But as I waited for the XXXX bill ; upon arrival, it shows not the approximation of 1 month past due per the attached documented amount. 
If as of the XXXX letter from you to me I was 1 month past due, ( owing for XX/XX/XXXX ) how is it that as of the XXXX bill, there is a reflection of " Past Due Payments '' in the amount of {$1900.00}? That amount is over 2 Payments! 
This bill therefore reflects a total due of over 3 payments. 
The online payment screen shows no correction in monthly payments and reflects a monthly payment due of {$980.00} instead of {$940.00}, per your documented XXXX XXXX correction letter. 
In all of this, I have STILL NOT MISSED A PAYMENT. Your records reflect a payment made each and every month. Why is there a " Unpaid Late Fee Charge '' of {$93.00}?
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This agency is reporting inaccurate information. I have been unable to get in touch with this creditor because the mail was returned and this agency is reporting this address on my credit report. I have disputed this with the agency and they refuse to remove this account from my credit report.
Consumer complaint received 2018-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

BAY VIEW PURCHASED MY LOAN IN 2007 FROM XXXX XXXX XXXX. I HAD A CONTRACT WITH XXXX WHICH IS NO LONGER AROUND. BAY VIEW REFUSES TO TO HONOR MY CONTRACT I HAD WITH XXXX XXXX, THEY HAVE ALSO ADDED ON CHARGES FOR WATER, WHICH I HAVE A WELL AND HAVE CHARGED FOR SEWER AND I LIVE IN A NONE SEWER TOWN. I HAVE TRYED SEVERAL TIMES TO COMMUNICATE WITH THEM IN THIS PROBLEM AND THEY WILL KEEP YOU ON HOLD FOR HOURS. I HAVE HIRED LAWYER S AND THEY ALSO WILL NOT ANSWER ANY QUESTION, AND KEEP THEM ON HOLD FOR A LONG PERIOD OF TIME WITH NO RESPONSE. IM NOT LOOKING TO GET OUT OF PAYING MY MORTGAGE JUST WANT MY ORIGINAL CONTRACT HONORED
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, and have not.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, and have not.
Consumer complaint received 2018-12-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (IL)

On XX/XX/XXXX, I received an email from a company called XXXX XXXX  telling me that my credit application was approved. I did not apply for a loan from this company. On XX/XX/XXXX, the company deposited {$1000.00} in my bank account. I called my back to inform them that I did not authorize a loan request.
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elite Financial Services, Inc. (MO)

Elite Financial has contacted myself and my fiance several times over the last several months. They will not verify who they are calling from until they are asked MANY times, even after verifying for them that they are speaking to the individual they called for. They are automatically rude and threatening when it comes to any kind of resolution. I have been told multiple times I would receive paperwork/notice in the mail about the debt and how to settle it. Have received nothing at all. After telling them I would not settle the balance without further information they have continued to call my cell phone, but hang up when I answer, and they still continue to call my fiances phone, but will not give him any clear answers. They have threatened to take action on both mine and his credit if we do not resolve the debt.
Consumer complaint received 2018-12-26
Product: Credit card or prepaid 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: FIFTH THIRD FINANCIAL CORPORATION (MN)

Fifth Third Bank Disputes Department / Regarding reassertion of dispute / Case # XXXX This letter serves as the appeal to Fifth Third Banks decline of my dispute regarding the {$3200.00} charged for XXXX ( XXXX XXXX XXXX XXXX ) doing business as XXXX  XXXX, XXXX  XXXX XXXX XXXX using my credit card ending in # XXXX on XXXX. The reason for the decline, was because my dispute fell outside the window to dispute. 

None of these services were provided, and I did not have a chance to receive them, because the FTC shut them down for defrauding their customers XX/XX/2018. At that time, there was hope that something could have been worked out between XXXX and the FTC. But, in XX/XX/2018, the Judge in the case finalized the shutdown on XX/XX/2018. 

It would have been impossible for me to dispute this charge within the dispute window as for the XXXX XXXX trips and coaching that I purchased, fell past the dispute window afforded to me by Fifth Third. The FTC did not shut them down until XXXX, thus me believing up to that point, that I was going to receive my coachingg. 

Please accept this as my detailed letter describing the services that were expected from the company ( XXXX ) that the FTC without warning, shut down. I purchased XXXX XXXX trips using monies from my Fifth Third Card ending # XXXX Copies of my contracts ( s ) are submitted along with this letter, as proof that XXXX did not provide the services ( XXXX training trips ) that were purchased The three events : 1-3 day/4 night / 1-5 day/6 night / 1-10 day/11 night ; XXXX Training ( Coaching ) Trips The details of the XXXX and Tuition reimbursement, are in the contracts that are with this fax, please note the circled items. Also, faxed is copy of my XXXX   receipt and statement of the charge, as noted Details of FTC actions can be found at : https : XXXX Respectfully Submitted, XXXX XXXX XXXX
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (NE)

XXXX XXXX XXXX is falsely saying I wrote a bad check at a XXXX store # XXXX in XXXX, Georgia on XX/XX/2018 for {$230.00}. I have e-mailed them saying this is NOT me! I live in Nebraska and never even been to Georgia! They sent me a declarations page to sign ( included ) saying I didnt receive any benefits or value from the check. I signed it and sent it back. Now they sent me the same page to sign again and another page requesting my personal info ... ssn #, checking account info etc. Of course they wont be getting my personal info. This isnt an identity theft problem because no moneys have disappeared from my checking account. Instead I believe its a scam but, they wont go away. Ive read of others having the same problem with XXXX  and it always begins with a supposed bad check written to an out of State XXXX. Ive included pictures of 2 letters they sent me and I have more but, if I can fax them to you it would be easier. Thanks. My case ID is XXXX and tracking number is XXXX
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation (NM)

This is the company that is calling us each and everyday. Three or four times a day. 

Regional Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Phone : ( XXXX ) XXXX We have all ready told that we have a lawyer to help has filed for Bankruptcy. 

My Name is XXXX XXXX email address is XXXX XXXX
Consumer complaint received 2018-12-26
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. (NY)

I was looking through my XXXX XXXX and see I have a hard inquiry on XX/XX/2018 XXXX XXXX / XXXX XXXX. I do not shop there. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.