davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (OH)

On XX/XX/2017 I was in a financial bind and I went to loan max for help. They went outside looked at my car and told me I could get approved for {$2000.00} based on the car and my XXXX income, I then explained to the loan processor that I get paid on the first of every month and he said that that was ok. The way he ( the loan processor ) explained the loan was that the quicker I paid it off the less interest I would occur so if I paid it back in two months I would only be paying back around $ XXXX {$2800.00} Im not exactly sure of the amount but I remember it be close to {$3000.00} because I thought that was fine it wouldnt totally wipe out my income on the second month to pay it off. But on XX/XX/2017 they wanted me to make a payment I tried explaining to them at that time that I only get paid on the first of the month and I could come in that following week. On the first of XXXX I paid {$1000.00} towards the loan at that point they refinanced the loan for {$1800.00} because I paid more than the actual principle on the loan. I then asked them at that point why does the remaining principle balance say {$3500.00} it was a young lady I was dealing with this time she then stated that the remaining balance was based on me paying it off in three months with the interest that would calculate but if I paid it off the next month it would be less, o.k. On XX/XX/2017 I wasnt able to pay off the loan but I took in {$500.00} to apply to it and when she gave me my receipt I could not believe what I was seeing for my remaining principle balance it showed {$3500.00} so XXXX left trying to figure out if only {$27.00} was applied to my loan. The payment at the end on XXXX came from my XXXX check my next payment was due XX/XX/2017 but my check was less because two of my children had turned XXXX and I was no longer receiving income for them and I tried calling them to work something out but they said at that time that my loan was not in default there wasnt anything they could do, they told me to try back once it went into default and I did and they said that I had to wait until integrity ( the lien holder ) released the loan and then they would be able to work something out. We touched base a few times they called me I asked them was there an amount that I could pay to pay it off and be done no more payment plans because I couldnt afford to pay like that but they said no. And on XXXX XXXX they came and took the car, So I asked them to give me a receipt showing that they are paid because they have the car, still no.
Consumer complaint received 2018-04-27
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. (NY)

XXXX XXXX and Equifax is not willing to take out me as authorized user from the account that has been closed and charged off because the owner of the account has passed! i was authorized user for work relation for some periods of time before the owner passed! Both party XXXX and Equafax are aware I was only authorized user and I am not liable for that account, ,if I am not liable for the account why should this negative account show in my credit repot!
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Two banks XXXX and Bank of America are now saying they will stop doing business and extending credit with business and maybe in the future people who are involved in the gun industry and rights.

These activities are legal under law and the banks are using their power to dictate what happens in the US shutting out business and people who they disagree with then controlling the public. 

This tactic in the future could be used against anything they disagree with or want to control or sway in the country. 

This situation sounds highly worrisome.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MS)

Ally Auto reported my XXXX car note payment as being 30 days late when it's die on the XXXX of every month I paid it on the XXXX I owed {$410.00} for XXXX and XXXX I paid {$420.00} I admit I was late with XXXX payment but not XXXX
Consumer complaint received 2018-04-28
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. (LA)

I have written four letters disputing XXXX XXXX XXXX from XXXX and TransUnion. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

I have had a credit card with the Bank of America for decades. The service I have received is excellent. I am a veteran of the XXXX war and a retired XXXX XXXX XXXX and the Constitution is very dear to me. The Bank of America recently decided to distance itself from the XXXX and the provisions of the Second Amendment to the Constitution 's Bill of Rights. I would point out that even before the Constitution was written, the XXXX War could not have been successful because the actions of loyal Americans protected later by the Bill of Rights were in part responsible for the success of that war ; men who volunteered and took their own firearms to battle against oppression by the XXXX  government. I am deeply troubled by this action of the Bank Of America and it is my wish that they reverse this terrible and un-american action.
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

On XX/XX/XXXX, I forwarded {$300.00} to an online retailer via Western Union ( transaction number XXXX ). After not receiving the product, and any further correspondence from the retailer, I filed a fraud complaint with my bank. My bank issued me a temporary credit in the amount of {$300.00} while they investigated the charges. After completing their investigation, my bank reversed the temporary credit and funded the transaction on XX/XX/XXXX. They advised me to file a fruad complaint with Western Union and I did. 

After speaking with a customer service representative from Western Union, I was given a fruad file number and told that upon receiving the fraud complaint from my bank, Western Union issued me a refund on XX/XX/2018 in the amount of {$300.00}. I then placed Western Union on a conference call with my bank and they restated that they issued a refund back to my bank on XX/XX/XXXX for {$300.00}. 

Using that information, my bank reinserted the claim for further review and on XX/XX/XXXX denied it again. They stated that they have no record of Western Union issuing me a refund. So I called Western Union with this information and CSA # XXXX confirmed that they issued my bank a refund in the amount of {$300.00} on XX/XX/XXXX. When I asked for a transaction ID number for the refund, I was told that the refund would have the same transaction ID as the initial charge. They said that the refund was awaiting acceptance from my bank. I asked if I could place Western Union on another conference call with my bank. I was then told by Western Union that the initial transaction was processed and paid out to the online merchant on XX/XX/XXXX therefore they can not issue me a refund. I asked them to explain how were they able to inform me and my bank about the refund taking place on XX/XX/XXXX and now tell me there wouldnt be a refund. The CSA offered no explanation. Instead I was told to contact my local law enforcement.
Consumer complaint received 2018-04-28
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: EQUIFAX, INC. (LA)

I have written four letters disputing XXXX from XXXX, Equifax, and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.
Consumer complaint received 2018-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

I purchased a XXXX XXXX XXXX Certified preowned XX/XX/XXXX After putting {$20000.00} down on the truck and {$24000.00} on XX/XX/XXXX of the same year, there have been some discrepancies oh my statements and no way to get a clear answer from XXXX XXXX licensed to XXXX XXXX by XXXX, now all of a sudden i have to send XXXX XXXX more than what should be sent according to the the Statement, I never got my Veteran discount that was promised to of {$500.00}, That finance deal does not calculate right, Plesse help me CFPB
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates (CA)

XX/XX/XXXX, 2018, Prince Parker send me a letter to collect {$340.00}. 
I called them that this is a wrong collection, but they asked me to call XXXX XXXX XXXX, I contacted XXXX XXXX XXXX many times no way to resolve the issue.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

We had taken out loan with Wachovia and then Wells Fargo took over account. At the end of the time we thought we should have paid off our loan we learned they had attached a insurance coverage of our house in case we somehow did not have it covered. In the end they waved the fees and the several dollars but I thought it was very sneaky in what they were doing. Some if they had not invested the situation would continue paying twice for insurance on their house because they house loan was not paid off.
Consumer complaint received 2024-11-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I paid my bill on time and the company still charged me a late fee. The late fee was refunded. My bill was affected due to the late fee and my normal monthly bill was higher than normal causing me not to be able to pay full amount, thus causing a new late fee making my new bill even higher. I can't afford that. My bill should have been adjusted back to normal after the late fee was returned. I have now closed the account and was told they are going to keep charging me late fees if I am unable to make total payment. Unethical
Consumer complaint received 2018-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I'm XXXX years old and have XXXX for the third time. I have paid on my school loans for over 25 years. Borrowed a total of {$26000.00} from the government-Texas Guaranteed Student Loan Corporation/now- FFEL loans and at this time still owe over {$83000.00}? I was a XXXX XXXXXXXX for nearly 21 years ( 20 1/2 years ) and was hoping to obtain Public Service Loan Forgiveness ( PSLF ). However, Ed Financial ( my servicer ) is telling me that my loans are not eligible for PSLF due to the type of loans I have ( FFEL ). I retired in XXXX and was told I consolidated my loans back in XXXX. When I originally went back to college in XXXX, they did not have Direct Loans. I am currently working full-time for a private company, XXXX, as a XXXX XXXXXXXX dealing with XXXX XXXX. I was not even informed that I could not retire to obtain PSLF, and had to be still working as a public servant. I'm very frustrated due to the fact I am trying to obtain a USDA home loan and would only qualify for {$140000.00}? due to my student loans. I have excellent credit score. Then I spoke with a company ( not sure of the name ) to reconsolidate my loans for PSLF ; however, would have to pay another 25 years on them ... REALLY! To pay on my student loans for 50 years??? I will probably not even live that much longer, so is there anything I can do at this point?? I think this situation is CRAZY!!!! 
Thanks, XXXX XXXX
Consumer complaint received 2018-04-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AR)

I have written and emailed Santander Consumer USA, THREE amount my car payment reporting late to All Three Credit Bureaus, for a total of 8 payments. Here are the dates of letters & emails that were sent ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This company is Notorious for not report on time, and not respond to communication with the consumer.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have had hard inquiries on my account that I do not recognize and never applied for. I reached out to all 3 credit agencies ( XXXX, Experian, XXXX ) and the assured me that they would take it off of my credit and they are still showing and affecting my credit and my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

I have repeatedly had this debt removed, because I dont owe this company anything. They continue to place this item back on my credit and take it off each time I do this. Making this the fourth time its being removed. I received documentation stating that they have no record of me owing anything. I know for a fact I dont owe the debt. This continues to be an issue with this company.
Consumer complaint received 2018-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO)

My complaint is about a transfer of loan servicing. My mortgage loan is transferred to Rushmore Loan Management Services LLC effective XX/XX/2018. l mailed the payment due in the same amount due from my previous servicer. I just received a letter telling me the payment amount has been increased and Rushmore did not explain why the payment is increased. It is impossible to speak with the servicer via telephone because they say they can not find my account. It is not possible to make a sign-in account on their Internet site because a message appears that says my information does not match my account. I am using the same information that I received in correspondence from Rushmore. I did some Internet searches and discovered a litany of abuses by this servicer, one being the obstruction and/or refusal to accept payments. So my situation is that I mailed them a payment and now Rushmore says the new payment amount is higher and I don't know how to solve the problem. I do not have the ability to accept their phone calls, yet they say that my account can not be available to me unless I talk to them on a phone call which they originate. The requirement for me to be accessible via a telephone call originated by Rushmore is obstruction of account access and other options that are available i.e. electronic, are also denied access. It should not be this difficult to obtain information and make payments. I suspect it is intentional obstruction.
Consumer complaint received 2018-04-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MD)

Contacted the company on XX/XX/XXXX to resolve a matter after speaking with the original creditor. Told them that they had no legal authority to collect the debt since there was no contract between myself and their company as they were a " debt purchaser '' who buys collections in bulk and would not settle the matter for a reasonable amount. 

Negotiated with them and paid for them to close the account in a positive manner - they are still reporting to the credit bureaus that the debt is a bad debt and in collections when they stated they would report positive information within 72 hours
Consumer complaint received 2018-04-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have a business checking with Bank of America. My account was overdrawn for the first time, and I made a deposit the same day. But I just found out that it was overdrawn and I got charged a fee of {$35.00}. I contacted them and they told me they can't fix it. 

I know that there is a rule where you don't get charged any overdraft fee if you make a deposit the same day. You can see this thru my transaction. I deposited {$1400.00} on XX/XX/XXXX, and the payroll was withdrawn. At that point my account is positive and then the overdraft fee was withdrawn making my account negative.

The overdraft fee was charged on XX/XX/XXXX and the amount is {$35.00}.
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Siwell Inc (CO)

On XX/XX/XXXX I applied for a new cashout refinance mortgage. My new lender and their title company have tried for 14 business days to get my payoff from Capital mortgage Loan Servises of Texas. They have never complied. I contact them on XX/XX/XXXX and requested this payoff myself amnd they denied my request. They have made numerpus excuses and have denied sending my payoff to title and have severly hurt my financial status.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (WA)

Both XXXX XXXX XXXX and Citigroup as public financial institutions are limiting or preventing myself and other U.S citizens ability to exercise our constitutionally protected right to bear arms and to protect ourselves. This is discrimination directed at an activity that is clearly protected by the second amendment. These companies had no issues taking tax payer money to keep their doors open, but are now slamming shut in the face of companies that make, distribute or sell these legally protected firearms.

The U.S Government when bailing these companies out determined they are too big a part of our financial system to fail. And being such a large part of that system should not allow them to choose what kind of legal business they will or will not work with.
Consumer complaint received 2018-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

I have a foreclosure sale date scheduled for XX/XX/2018. I had submitted my offer to the bank for a short sale. When i phoned my lender they stated that i can submit the offer if i want to, but they doubt if they will be able to review it in time to postpone the foreclosure sale. I just need for the bank to give me a chance and review my offer. I am trying my best and doing what i can to make it through this tough and trying ordeal. A fair resolution to me, would be for the bank to consider my offer and accept it so that i can move forward with my life. I am stressed out and worried over being put out of my home, but i know that this is my situation and i am trying to bring it to a reasonable resolution.
Consumer complaint received 2018-02-03
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: Experian Information Solutions Inc. (IL)

Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX XXXX
Consumer complaint received 2018-02-03
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. (IL)

Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX XXXX