davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-22
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (MI)

I went to Check n Go on XXXX and I was told that I needed to provide a paystub because the XXXX on file was over 30 days old. I complied with the request. I was also told that I needed to provide proof of an active bank account. I showed the representative my my bank account info from my smartphone. I 'm XXXX XXXX. I noticed a XXXX male ahead of me asked for a loan for {$420.00} and he did not have a paystub and he was told that 's ok you do n't need XXXX because the one we have on file is just over 30 days old. He also did not ask him to prove he had an active bank account. I feel I was discriminated against. Everyone should be held to the same standards and practices. I just wanted to bring this to the attention of management to ensure that lending requirement are consistent with all customers.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC (CA)

ATTEMPTED TO GET A TITLE LOAN BUT DID N'T FOLLOW THROUGH AND THE LOAN WAS NOT FUNDED, YET THEY REPOSSESSED THE CAR. I NEVER RECEIVED ANY MONEY FROM THE COMPANY AND YET THEY STATE I OWE THEM XXXX DOLLARS IN ORDER TO GET MY CAR BACK.
Consumer complaint received 2017-02-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2016-10-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OH)

US Bank home mortgage agreed to accept XXXX Funds. I had not known when the funds were applied and when my normal monthly payments would start. I have been paying late unable to catch up now for four years. Since I am a XXXX teacher and now not working a part-time job during summer ; during summer I sometimes fall behind and need time after the school year starts to catch up. US Bank has offered assistance by mailing me applications and I had completed XXXX consecutive applications and provided supports requested only to be told my handwriting was sloppy so they were n't able to approve it. I got caught up on my own without help. Recently, I 've come to need their mitigation process again and they are not keeping their word to provide a reply within 30 days and to keep me informed despite having my email address, mailing address, and phone. They have made a demand for payment by XXXX/XXXX/16 without giving me a disposition on the request for assistance. I made contact to communicate this and was told my employer 's WORK NUMBER code to verify employment was insufficient. I had to get a letterhead document stating the number of months I am paid as a substitute. XXXX XXXX XXXX XXXX directed me to WORK NUMBER again. I can not produce a letter they are not willing to write although I have other documentation to show my yearly income over the past 6 years and current year ; and, I have applied for unemployment benefits during summer months when school is out. US Bank wants the appearance of offering help only to stymie the process by failing to communicate and asking for documents when other evidence provided gives them proof of what they are needing to verify. If I do not pay the balance in full by the due date they will start foreclosure without giving me a fair opportunity to have help. The help I request is to put late fees on end of loan due to the HARDEST HIT circumstance and to give me time to pay the unpaid payments which are only XXXX at this point because of the length of time they have dragged on not giving me a decision. US Bank needs to be reported for not being forthright and honest about they mitigation process, which is basically to cause undue stress and anxiety in an already anxious circumstance.
Consumer complaint received 2016-08-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This complaint is against several institutions ... I had the bad Countrywide XXXX XXXX & HELOC home loans that were at the center of the financial crisis. I was wiped out in XX/XX/XXXX & fought to hold onto my home with countless refinancing attempts .The servicing was taken over by B of A. I was able to modify my XXXX mortgage but not my HELOC which went into foreclosure XX/XX/XXXX. I worked tirelessly to get a payment I could afford with no assistance and had to file Bankruptcy to stop the foreclosure. I ended up having to sell my home which closed escrow XXXX XXXX ... but the nightmare continued. B of A held the payoff funds ( over XXXX ) for 6 weeks for some reason, during that time they sold the loan to XXXX who kept trying to collect mortgage payments from me saying I was behind and they were going to begin foreclosure again, the funds went missing, B of A wired the funds to XXXX with the incorrect account #, XXXX sent it back to B of A, B of A sent it to the title company, who sent it back to B of A, who sent it back to XXXX who wanted more than the payoff amount. This went on for 2 months without anyone taking responsibility for it. It was an absolute disaster. I finally found a department at B of A who would complete the transaction. No one even apologized for the incompetence. I 'm sure my experience with these big banks in not unique but I felt powerless against this system. They held my life ransom for years and I want retribution. In XX/XX/XXXX I joined a XXXX lawsuit XXXX vs B of A which is still and active suit & paid over XXXX to a firm XXXX XXXX in California who has just been shut down as fraudulent and now all of the plaintiffs are without an attorney to protect us. It feels as if the consumer just continually left holding the bag ... We have no power or rights. It 's been devastating.
Consumer complaint received 2016-10-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

In XX/XX/XXXX, I purchase a XXXX XXXX XXXX - financing through XXXX XXXX XXXX XXXX. 
In XX/XX/XXXX, that loan was sold to Santander Consumer USA. 
XX/XX/XXXX, the XXXX 's engine timing chain slipped and destroyed the engine. The vehicle was towed to XXXX XXXX in XXXX, Indiana. The cost of the repair was going to be well over the remaining loan and did not have the funds to proceed further. 
Upon contacting Santander, I was told that the best course of action would be to sign the vehicle over as a voluntary repossession. With Indiana having being a non-deficiency state ( under {$4000.00} ) I would not be held liable for the difference of selling the vehicle. I was a year from paying the vehicle off with a remaining balance of approx. {$2300.00}. They sent paperwork to XXXX XXXX which I signed to release vehicle and financial obligations, however never received any copies or had any further communication with Santander. I was not even given notice as to what the vehicle did sell for. However through review of updated credit report it was identified that the loan was sold ultimately to XXXX XXXX XXXX , XXXX which has already been disputed and removed for report ( Case number : XXXX ) Now in reviewing the XXXX report ; new activity was started on XX/XX/XXXX, fours years after this was said to be settled.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

There is a withdrawn Federal Tax Lien still showing on my report that was withdrawn in XXXX 2016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS release form XXXX that has been stamped and signed by the County Courts. I have attached a copy of this form with all court seals and sign off. Equifax continues to improperly report the liens and refuses to recognize the withdrawal which is against the law. The other CRAs ( XXXX and XXXX ) removed the liens from my credit report immediately.
Consumer complaint received 2016-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (GA)

We have been trying to refinance a XXXX loan with the Servicer SETERUS for over one year. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. They finally sent the refinance after one and one half years at almost 6 Percent. However, they continue to change the monthly payments, are es crowing Money for taxes that do not have to be paid, and Overcharging for forced placed Insurance when we had in place insurance ( Military XXXX Vet, he is except form Taxes. XXXX has spent hours with XXXX at XXXX and she has been helpful, but is limited on her assistance. 

Thank you XXXX XXXX POA for my brother XXXX XXXX XXXXXXXXXXXX XXXX or XXXX XXXX
Consumer complaint received 2016-10-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Podium Mortgage Capital LLC (AZ)

I asked XXXX to investigate my dispute with XXXX. The only thing XXXX does is to send my information to XXXX to investigate. XXXX does not investigate. The only thing XXXX does is to seat on the investigation until the last days and say the report is accurate. XXXX basically sends the same letter with an updated date. XXXX or XXXX has not or will not look at the information I supplied to them. I even asked XXXX to supply me with the time the funds arrived, the time the funds were processed, and the time the funds were accepted for each month. I even asked XXXX to ask XXXX, but I only received some of the months. I have sent more than enough information to prove my payments were on time. As long as XXXX knows they can get away with it they will continue to do it until I will stop filling my complaint towards them. I really believe it is the responsibility of Bureau of Consumer Financial Protection ( BCFP ) and Experian to do a complete and thorough investigation, and not only take the words of one person or company. I have the legal right for this to happen under the Fair Credit Reporting Act ( FCRA ) and the Fair Trade Credit Act ( FTCA ). 
Check/Ref. Number Payment Due Date Date Payment Posted Description Amount Applied Date XXXX Received Time XXXX Received/ Posted XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX Payment {$1000.00} XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX Payment Reversed - {$1000.00} XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment* {$1100.00} XXXX XXXX XXXX PBP/Payment {$1100.00} XXXX XXXX ET XXXX XXXX XXXX Payment* {$1100.00}
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (SC)

I got a loan for debt consolidation from One Main Financial in XXXX 2016. Macy 's credit card was on of my things to payoff. I took the check made out to Macy 's for payoff account to Macy 's department store in XXXX, SC. The check was {$660.00}. It was Attached with my billing statement and credit card itself the lady at the counter took my payment with no problem. I received a billing statement reflecting the payment of {$660.00} was applied to my account on XXXX XXXX 2016. The next billing statement I received was a surprise because my account was supposed to be at a zero balance. It showed a huge increase in my balance, it also showed a payment reversal for {$660.00} on XXXX XXXX 2016. Not once did I receive an email regarding the payment reversal, no notification whatsoever. I called Macy 's to see what was going on. I also had the customer service representative to dispute my account back in XXXX, that way it would n't show owed a payment until this is resolved. At first no one could tell me what happened. I asked to speak to a supervisor regarding the matter. Again, I was n't getting a straight answer as to why my payment was reversed. At some point, I was told it was because they did not have my Macy 's account number on the One Main Financial check but how was it applied to my account if they did n't know where it belonged? Then I was told well it may be because we are n't showing we received the funds. Again, how did you apply it to my account in the beginning and randomly reverse it two months later? Still no good answer. The supervisor told me the payment research department was requiring proof of the cleared check from One Main Financial. I retrieved the cleared check and faxed it to Macy 's XXXX different times. The Manager of One Main Financial also reached out to the supervisor and faxed the cleared check to Macy 's payment research department as he was asked to do. Still there was nothing done about the payment, they kept asking for more stating the cleared check was not good enough. Now they needed a letter on letterhead from One Main Financial and bank statements. I told the supervisor numerous times this was a huge third party corporation and they could not just give me bank statements. I spoke to One Main Financial regarding a letter on letterhead, he states he does not have the authority to do a letter. He states at his point I have followed my normal protocol for this matter. Currently, Macy 's said we are done with matter since we are not getting the " letter '' that we need. My account is now back to its regular standing and I must continue to pay my monthly payments starting on XXXX XXXX 2016. My balance is back to {$660.00} which is supposed to be paid off. This affects my credit, my money and I am now in the middle of buying a house!
Consumer complaint received 2016-10-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

From XX/XX/2016, to XX/XX/2016, no Capital One Bank personnel or emails/correspondence ever corrected the unfair, incorrect, confusing, misleading, misinforming and confirming information I was given by a Capital One XXXX number customer service representative on XX/XX/2016. I was unfairly, wrongfully, incorrectly, misled, misinformed and confused to believe that several consumer reporting agencies were used to determine my credit score and no Capital One Bank personnel ever informed me that statement was totally unfair, wrong, incorrect, misleading, misinforming and confusing and because of that very simple fact, Capital One Bank must and should remove all of the Capital One Bank related inquiries on my XXXX credit file. I 'm looking into all of my legal options and I do plan on suing Capital One Bank for personal financial damages, improper, confusing, misleading and misinforming business practices, tactics, information gathering, investigating process, information provided to me and representation of product.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-27
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (WA)

Evergreen Financial Investments , Inc DBA Rapid Cash, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX. 

My bank is XXXX XXXX XXXX The selections do not really pertain to my situation. I do not have the money to pay the loan back as I no longer have work. I have revoked my pre-authorization for my debit card and actually cancelled my debit card since I misplaced the original. I spoke with my credit union and notified the merchant as well ( in writing ) and I also requested that they put together an installment plan. They responded that they had revoked my pre-authorization and I could make payments by mailing them to Kansas or bringing them in to the office here in XXXX. Since they did not mention the terms of the plan, I called their customer service number and spoke with " XXXX ''. She told me that I could not have an installment plan without a debit card on file which I do not want to do. She said that when the office did not get their payment on XX/XX/XXXX, they would send it to their collections department. However, they are not supposed to be charging me any more fines or other expenses once I 've requested the installment plan. Trying to deduct it from a debit card that no longer exists will earn them {$25.00} for the attempted deduction and may also incur a charge from my credit union. Since they know I do not have the money to pay, their trying to withdraw it on the due date makes no sense except to punitively charge me {$25.00} on the attempt. Again, the contract makes no mention of having to have a card authorization and, in fact, the email I received gave other instructions for payment this makes no sense. I am trying to be honest with them to tell them I ca n't pay immediately and they are giving me the run around. I do want to pay my debt, I just ca n't right away. I am sorry about this but now I feel they are being dishonest. I can furnish their email response if you require it. I just would like to email it to you at a private email address. Can you please help?
Consumer complaint received 2016-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

I had an account with comcast. I was moving from XXXX to XXXX. I called XXXX to let them know and I needed to suspend service and when I have my new address i will reinstate. They told me OK, XXXX XXXX, not a problem. This happens all the time. 

about a month later, I moved into my apartment and called up comcast and they would not give me service. They said I had to pay almost {$900.00} for a broken contract and there is no record of me having service transferred.
Consumer complaint received 2018-02-21
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: LEXISNEXIS (GA)

I recently submitted a complaint about how XXXX stated they verified a Bankruptcy on my credit report. I am aware that under the Fair Credit Reporting Act of 1971, are to only report one hundred percent accurate information. I submitted my complaint through the CFPB and their response was not made through the CFPB which is also a violation of my right to due process. XXXX did this to hide the fact that they know that they are reporting inaccurate information. The response has been the same, verified through a third party LexisNexis. The information purchased by XXXX from LexisNexis has redactions that are required under Federal Privacy laws. LexisNexis is not provided a full and complete social security number nor are they provided a full and complete date of birth when they purchase public record information from any Court. LexisNexis then sells that incomplete information to the major credit bureaus as verified and validated information. In doing so, LexisNexis and XXXX have violated the Fair Credit Reporting Act of 1971 by reporting and providing inaccurate and unverified information about consumers. I demand that LexisNexis and XXXX  be investigated for fraudulent business practices as well as violation of the Fair Credit Reporting Act.
Consumer complaint received 2016-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

While checking my Equifax credit report, I noticed unauthorized and fraudulent credit inquires made by the following Creditor 's : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AN # XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I did not authorize any of this companies to make any inquire and view my credit report. 
I have called Equifax several times, and I spoke to different representatives, no one is willing to help me. I sent a letter asking for verification, and proof of my signature, and I did not receive an answer. 
I asked Equifax to send me written confirmation that they have complied with my request within 5 business days or, it will be my evidence used in Federal Court of their willful noncompliance ( XXXX U.S.C. & XXXX ).
Consumer complaint received 2016-10-03
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My mortgage company send employees to my front door to deliver past due notices and notices to contact servicer. I already speak to them via telephone and respond via mail from servicer. I 've never heard of mortgage companies being allowed to come to your front door almost weekly to hand deliver notes to call servicer or past due notices. Especially when I am currently going through modification process.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (GA)

I have repeatedly disputed these inquiries with Experian, I set my dispute certified mail. Experian did n't respond within the 30 days which is a violation of the FCRA XXXX XXXX. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offers b ) insurance c ) employment or d ) a court order. 

I did n't authorize any of these inquiries. I sent dispute letters to Experian and dispute letters to the furnisher and they never sent me a copy of my signature or a contract, these inquiries are still not deleted from my credit report. These inquiries are affecting my credit score. I attached a copy of the companies that pulled my credit, whom I did not give permission to do so. Please remove these inquiries from my credit report immediately.