davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NY)

On XX/XX/2015 I walked into XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX I was looking around maybe trade in my car for something else, soon before I know I have a sales man approach me and started a conversation, I told him I was just looking and before I knew it I was sitting in the finance offfice putting me in a car that I could not afford, I told him I connot afford this car which in turn he replied do n't worry I 'm going to help you, I tell him I am on a fixed income, I do n't work I get my XXXX check once a month. My credit score is low, he said let me make some calls to what I 'm guessing are bank loaners and such.. So I ask him I can you put me in something cheaper maybe with what I get for my Kia Soul XXXX with low milage I had XXXX miles on this car, he offers me XXXX for my care and tells me the rest you can finance, I kept telling him I can not aford this car but he did n't seem to care he wanted my to leave the dearlership with one of his cars. I went back serveral times, even the next day, my car was gone, I ask him where is my car, he responded its gone, we already autioned it and that there was no way of getting my car back, so now I 'm stuck with a vehicle that I can not afford and a car note to pay more money then I can afford to pay, I told him I 'm on a fixed income over, and over, buy this time everyone that was being nice to me before I walked into this dealership were now turning their backs on me, saying sorry it 's out of my hands, there 's nothing I can do. So I contact the Bank that did approve the loan out of about XXXX or XXXX banks that denied me a loan and with good cause, because of my bad credit and low credit score, I ask them why would you approve me for a loan if I had such a bad credit history, they said well we go by what the finance Manager provides us, so I ask them what did he submit as to my income they told me he said to us you make XXXX a year when in reality I only get XXXX check a month for XXXX a month which comes out to XXXX a year. So I knew right there he is falsifying people 's income in order to put these loans through. Please help me bring this car dealership down this is fraud, this is a crime god knows how long they have been doing this to unsuspecting innocent people like myself, PLEASE HELP ME!!!!!
Consumer complaint received 2016-01-06
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management , Inc. ( Midland Credit ) is falsely misrepresenting the amount of alleged account XXXX, which is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Midland Credit provided documentation that shows this alleged account as having a balance of {$1500.00} ( see attachment ). However, Midland Credit has been reporting this alleged account on my credit reports with a balance of {$2400.00}. Midland Credit has also made several attempts to collect the misrepresented amount ( see attachment ). 

Midland Credit has stated that they have added interest on this account. However, Midland Credit has not produced any documentation that legally allows them to charge interest as stated in the FDCPA. Midland Credit has not provided a complete transactional history as requested numerous time. Midland Credit has also failed to mention if the interest added was simple or compound, the rate, and the time for which the interest has been added. 

This alleged account is not complete and inaccurate. I have expressed this to the original creditor, XXXX XXXX XXXX, and they agreed to delete this tradeline from my credit reports. As of late, they have not reported this alleged account on my credit files. 

As per evidence presented above, Midland Credit is in violation of the FDCPA. I respectfully request that this tradeline be removed from my credit reports with all credit reporting agencies, including, but not limited to : XXXX, XXXX, XXXX, and XXXX. 

I greatly appreciate the Consumer Financial Protection Bureau 's time and attention to this matter. I would also like to thank Midland Credit for their cooperation and attentiveness to this issue.
Consumer complaint received 2016-01-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Harpeth Financial Services, LLC (GA)

I opened a payday loan with advance financial they immediately told me that because I took out a payday loan that I qualified for an installment loan also I ended up taking out the installment loan also. I may have made one payment on the installment loan before they told me they no longer offer payday loans or installment loans. They said I had to switch both loans to their new flex loan. Right after doing this I started asking a lot of questions which no one could answer. I spoke with a district manager who also could not explain how the loan works. This loan put me in a financial down hill spiral because they kept offering more money which I accepted but ca n't afford to repay at their interest rate. I asked them for a printout of my payment history which they stated they could not give it to me. After doing some research and talking to a financial counselor I realized they used the bait and switch tactic on me.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a cc statement on XXXX XXXX. Therefore, I made the {$290.00} payment on XXXX XXXX, which was due XXXX XXXX. Fidelity charged me a {$25.00} late fee because they said I can not make a payment the same day I receive a statement. Therefore, they said, I would have to make another payment of {$280.00}. In essence, I had to make XXXX payments in the same month. They refunded me the XXXX payment, but then, they told me, I would have to resend the same payment back in. Then, in for the XXXX XXXX statement, they increased my minimum payment, even though my balance was lower.
Consumer complaint received 2015-12-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC (PA)

I filed a case with CFPB on XXXX/XXXX/15 ( case number XXXX ) with Mariner Finance. The business stated in the complaint " Mariner Finance can confirm that XXXX XXXX 's account is paid in full and his paid document will be sent to him. '' I have received XXXX bills from this company stating money is still owed and to mail payment. I checked my credit reports and they are reporting to XXXX that I owe {$180.00} and they have been charging monthly late fees of {$30.00} per month. As promised in the prior case, they never sent me any documentation nor have I done any further business with this company yet they continue to charge me a monthly late fee and the first complaint stated they waived the final {$24.00} due as a good faith gesture so I do not understand where this {$180.00} came from when they stated account was closed and no money was owed.
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

I have had issues with my Scottrade Bank account ever since my account was improperly accessed ( hacked ) and Scottrade Bank has refused to investigate the fraud and unauthorized transactions that occurred. 

I 've attempted to go through Scottrade Bank 's internal dispute resolution procedures but, thus far, Scottrade Bank and its compliance department have been enormously rude and failed to acknowledge my dispute or provide instructions on how to remedy the situation. 

For over 6 months, I have been asking Scottrade Bank to provide me with a copy of the arbitration agreement Scottrade Bank says I signed, however, to date, Scottrade Bank has been completely unwilling to discuss the arbitration agreement or how to resolve the situation. 

If I had known that Scottrade 's actions would have been so unhelpful, I would have closed my account a long time ago.
Consumer complaint received 2015-11-06
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (ID)

Rush card has {$1300.00} of mine held in my account i can view it in there on their website but I have not had access to it since XXXX XXXX. When I have tried contacting them to fix this situation by email, mail and phone I have been put on 1-2 hour holds then hung up on. I spoke with a rep and asked to have my direct deposit returned to the sender only to have them tell me they could do no transactions of any kind. It is now XXXX XXXX and all of my bills are late and I am stranded more than XXXX miles from my home. I still have no access and they tell me they dont either!! Please help!!
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Wired Funds to Ocwen on XXXX XXXX, funds previously wired credited properly with same information. Credit has been damaged due to Ocwen reporting base on their error. Unwilling to immediately correct situation which blocks my chance of refinancing and rates are going up. This error is now costing me money as rates rise and has lowered my credit score
Consumer complaint received 2015-12-16
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

To whom this may concern, I applied for a credit card with Capital One XXXX XXXX XXXX and was turned down on XXXX/XXXX/2015 and a few months back. The attended asked me if I kept a balance on my credit cards and when I said No. She told me I was turned down although I have excellent credit. Further, I received a offer from the Capitol One XXXX Reservation : XXXX, Access Code XXXX. I called this XXXX to apply. Please help
Consumer complaint received 2015-04-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My credit card was used by someone else ( which I do n't know, it was all made online ). It is under investigation due to fraud and when I called Capital One they said they could take up to 90 days until they solve the issue. Also, I closed my secure credit card with them because instead they give me a credit card for people with better credit. However, in my credit history looks like I have XXXX credit cards with them. They are a mess and I 'm just trying to have a good credit.
Consumer complaint received 2016-01-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

The same numbers which all come back to the debt collection agency Rash Curtis & Associates call me approximately 6-8 times a day. When I do answer there is nobody on the line, sometimes there is a recording requesting me to call back. There voice messages which typically last 2-3 seconds have no information and just clog up my voicemail box. This is very frustrating and feels like harassment.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2016-02-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (TX)

Mercedes Benz Financial has incorrectly reported the details of an old account with them. They have done this after being advised of this multiple times and being queried by all XXXX credit bureaus at least 10 times since XXXX. 
This account is an old account : it first went past due in XXXX or XXXX of XXXX. The account was never brought current and the vehicle was repossessed in XXXX XXXX XXXX. 

Mercedes reports this as follows to XXXX as verified by all XXXX bureaus. 
XXXX XXXX 30 days XXXX XXXX 120 days XXXX XXXX 90 days XXXX Repossession XXXX 30 days These numbers are clearly wrong and repeated efforts to correct result in MBF continueing to report incorrectly They also report it as a Charge Off but show a balance past due of XXXX which is not permitted MBF has structured their reporting, I believe deliberately, to ensure that this account is not deleted from reporting by all XXXX credit bureaus in the correct time frame and kept on my record
Consumer complaint received 2016-01-27
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (FL)

I applied for a loan to improve my credit score. I opened a vehicle refinance loan with Instaloan. The loan interest rate is 57.4 %. I did not realize how high the rate was going to be. I also did not know my payments would not reduce the principal loan amount, it covers interest only. 

In addition I can not send payment by mail. I must physically appear in the their office to make a payment. The office is an hour away. 

I feel I was taken advantage of because the rate, payment and payment system.
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: GLOBAL SOLUTION BIZ LLC. (PA)

The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for XXXX XXXX contacted my daughters cell phone in order to contact me for a Debt that over XXXX years old well exceeding the statue of limitations in XXXX of XXXX years. When I contacted them they threated by stating to sue for an amount triple of the original amount.
Consumer complaint received 2015-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate Bank of America locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

I would like to file an complaint against Equifax for intentionally misleading the CFPB and manipulating CFPB online complain system with full knowledge of the deceit and deception. I filed the below complain which specifically outlined the merits of my complaint. Equifax is reporting in accurate credit scores, credit to debit ration ( XXXX % ) and available line of credit ( {$15000.00} ) to the government identity protection firm ( XXXX ). 
Equifax has knowledge of the fact the CFPB is not actually reading the complaints and their response and is taking advantage of this flaw within the CFPB online system. Equifax responds to my complaint ( claims I did not provide a specific complaint ) Please read in detail my original complaint and my reply to their response it provides details of the actual complaint. Therefore, Equifax is intentionally misleading the CFPB and manipulating the online complaint system. 



I received a letter from US Office of Personnel Management stating I was a target of malicious cyber intrusion, therefore qualify for credit and identity monitoring services. 
I went to there website XXXX provided by XXXX. I pulled up the XXXX credit bureaus report and noticed Equifax was once again reporting inaccurate information in regards to my credit to debit ratio. As of XXXX/XXXX/15 Equifax is reporting my revolving credit usage at XXXX % which is inaccurate my revolving credit usage is currently at XXXX %. Equifax is refusing to provide an explanation in regards to how they are coming up with XXXX %. Both XXXX and XXXX XXXX are showing the correct figure XXXX %. Equifax is showing my revolving credit limit at {$15000.00}, the correct revolving credit limit is {$22000.00}. 
Due to my race XXXX XXXX Equifax is purposely lowering my credit score by not reporting the correct credit to debit ratios. I have filed numerous complaints with your organization against Equifax in regards to this practice and to date CFPB is refusing to take action on behalf of the consumer and provide protection against Equifax discriminatory practices of intentionally lowering the credit scores of XXXX XXXX. 
Therefore, I will also have to file a complaint with the White House in regards to CFPB refusal to provide assistance to stop this practice.
Consumer complaint received 2016-01-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (WA)

MY LOCAL LOWES STORE SUBMITTED MY CHECK FOR {$10.00} TO US BANK AFTER I HAD RETURNED MERCHANDISE TO THE STORE. THE STORE REFUNDED THE {$10.00} TO ME FOR THE ERROR. I CONTACED US BANK AND ADVISED OF THE ERROR. US BANK STATED THEY COULD DO NOTHING ABOUT IT BECAUSE THE TRANSCATION WAS A CHECK. XXXX RECEIVED PAYMENT FOR THE CHECK FROM MY US BANK ACCOUNT. A COUPLE WEEKS LATER AN UNKNOWN CHECK FOR {$25.00} THAT I DID NOT WRITE AND XXXX DID NOT PRESENT WAS LEVIED AGAINST MY BANK ACCOUNT. I CONTTACTED US BANK UPON SEEING THE CHARGE PRIOR TO THE CHARGE BEING DEBITED AGAINST MY ACCOUNT. I INFORMED US BANK THE ITEM FOR {$25.00} WAS UNKNOWN TO ME, WAS NOT A CHECK I WROTE, PRESENTED NOR AUTHORIZED FOR PAYMENT TO ANY PERSON OR COMPANY. I REQUESTED US BANK IMMEDIATELY INITIATE STOP PAYMENT AND A FRAUD INVESTIGATION. US BANK REFUSED TO DO SO, PAID THE ITEM AND CHARGED MY ACCOUNT $ XXXX- 4 TIMES IN OVERDRAFT FEES. LOWES DID NOT PRESENT THE {$25.00} CHECK TO US BANK FOR PAYMENT. TO DATE AS I ADVISED US BANK NO PERSON OR COMPANY HAS EVER CONTACTED ME REGARDING AN NSF CHECK. ADDITIONALLY I HAVE COPY OF THE ORIGINAL {$10.00} CHECK AND IT HAS NEITHER A STAMP NOR INDICATION UPON IT AS RETURNED NSF TO XXXX. US BANK IS AND WAS AWARE OF XXXX ERROR IN DEPOSITING THE CHECK. AS WEL US BANK EMAILED ME A STATEMENT DOCUMENTING IF LOWES REFUNDED THE {$10.00} TO ME ALL OVERDRAFT FEES LEVIED WOULD BE RETURNED TO MY ACCOUNT. YET TO DATE US BANK HAS REFUSED TO RETURN ANY OF THE OVERDRAFT FEES BACK INTO MY ACCOUNT.
Consumer complaint received 2016-01-26
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (AL)

My deceased husband 's son and now even a grandson gets calls at my home number for non-payment of loan. I am in no way connected to their loans. How on earth do these agencies get my number at home? I tell them I am not involved and my husband died in 2008. But several keep calling.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

In XXXX of XXXX I was making payments under a modification yet I was denied by XXXX XXXX XXXX, citing that I had not mailed back the modification packet. They immediately proceeded with a foreclosure that occurred that same month. After investigating the facts they found that they had not mailed me the documents they were requesting and proceeded to rescind the foreclosure. At the same time the loan had been transferred to a new servicer, Caliber Home Loans. XXXX stayed in closed communication and in early XXXX XXXX I spoke with the trustee who said the rescission had been completed, I further verified it with the new bank as the loan had gone from the XXXX department, who was in the process of an eviction, to the reqular servicing department. 
I was told by XXXX that I 'd have to start the modification process all over, since the previous modification had not been fully executed. 

I contacted Caliber to obtain copies of the XXXX application to apply and was told what was needed and where to submit it. As I am completing the application, I receive a Notice of Trustee 's sale from Caliber with a sale date scheduled for XXXX XXXX, XXXX. 

They have never called me or reached out to me, I began the communications and told them I 'd send in the loan mod application. They have n't given me an opportunity to apply for the loan mod. 

I would like to keep my home and be reviewed for a loan modification and be offered something similar or better than what was received from XXXX.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

My name is XXXX XXXX, and my Spouse is XXXX XXXX, who is not on the Mortgage, but is a contributor to our living expenses. We were both forced into retirement because of XXXX condition, and would have applied for a Reverse Mortgage, however, we are upside down on the Mortgage. 
We applied for a XXXX Modification with our Lender, Ditech and we were told in a letter dated XXXX XXXX, 2015, that we are making too much money and there are no hardship, simply because we have been using our savings to remain current. DITECH use a technique, to 'GROSS UP '' our Social Security Income of {$1600.00} to {$2000.00} making us unqualified. 
We we questioned this technique, they said in another letter, that XXXX XXXX is the owner and because we are in a Loan Modification, XXXX XXXX will not honor another Loan Modification. 
We obtained our Loan from XXXX Bank, a predatory lender in a XXXX package using the Second Mortgage as a down payment and a 5 year Hybrid Adjustable Mortgage, and a search of our records does not show that the Loan was transferred to Ditech according to the Respa Laws of Florida. 
We have requested that Ditech produced records of the Loan Modification that they are saying we have, also produce the Transfer Assignment of the Loan to Ditech. To date we have not received any response. 
We have also contacted XXXX XXXX to produce the record of a Loan Modification, and have not heard anything as of this complaint.