davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TN)

I purchased XXXX XXXX, the vehicle was financed though XXXX who I feel took advantage of me with my financing the interest was compounded daily interest. XXXX added to my contract and additional {$3400.00} with out giving explanation for charge. Shortly after it was added they removed the {$3400.00} after I inquired regarding the charge. My contract was transferred to Santander {$3400.00} was added back to my contract and the due date for my payment was changed with out explanation. There is a Federal Consent Order in place from the XXXX. for the unethical practices of Santander. Please investigate Thank You
Consumer complaint received 2017-08-16
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. (FL)

I have been disputing with all three agencies.I do not have an account with this company, XXXX XXXX.Nor have I been given a reason for any charges by original debtor XXXX XXXX XXXX owned by XXXX XXXX.who I tried to contact XX/XX/XXXX & XX/XX/XXXX. the manager, XXXX stole over {$6000.00} worth items from my apartment during XX/XX/XXXX. Police report was filed once I returned home my upstairs neighbors reported seeing XXXX carry my cherrywood armoire from my home and offering them my new appliances still in boxes.I confronted her in front of witnesses she admitted to taking my items but could n't get them. I was very upset because my fathers rings & bracelet was in there he XXXX XXXX. I had other items that past doctors and friend who XXXX gave me.So I had irreplaceable items that meant a lot. XXXX so how upset I got then she stated ok just pack the items you going to take with you and do n't worry about trying to throw out anything I will take care of it.She promised to call me to come back and pick of my items.Instead the office asst quit and XXXX was never available or would n't answer the phone afterwards.Then in XX/XX/XXXX This company XXXX XXXX called me stating I owe $ XXXX.I asked them for what? Then I told them I do n't owe XXXX XXXX XXXX any money I paid rent on time and gave proper notice I was transferring.I never received any court date if I was being sued for this fraudulent Debt or I would 've have gone to court with my attorney to fight .XXXX is a thief I 'm not the first tenant being taken advantage.I do have witness to confirm all of this and my sheriff report I made in XX/XX/XXXX.after I found this on my credit report I have done 3 disputes with all 3credit bureaus starting in XX/XX/XXXX an attorney attempted to contact owner of XXXX XXXX XXXX with no luck.i sent a letter to each credit bureau at end XX/XX/XXXX No credit bureaus except responded.XXXX notified me a chapter XXXX Petition was put on my report by XXXX XXXX who I do n't have any account.This fraudulent has cost me loans for a home car and things I needed for my children.Because I may still have to move forward with an attorney I reserve the right to keep my police report number and witness information.thanks.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TX)

Hello, we paid off our home with U.S. Bank, NA on XXXX/XXXX/2016. To date we have yet to receive a lien release on our property. I have had to contacted the bank at least 4-5 times regarding this matter, 3 weeks ago, I was informed the lien release was sent to XXXX County Recorders Office on XXXX/XXXX/2016 and bank has since received the recorded release back from XXXX County. After checking my property records at the XXXX County Recorders Office today, there is no lien release filed on our property. During the call 3 weeks ago, I was also informed they had mailed the recorded release to our home, their office is located in XXXX XXXX, TX and we live XXXX miles north of XXXX XXXX and should have received the item they supposedly mailed within 4-5 business days. My guess is that our lien release has not been processed and we have not been told the truth. U.S. Bank, NA did not have a problem of taking our $ XXXX, our hard earned money to pay off our loan, it was paid off with our savings, not with the loan being refinance. The loan was paid off 5 MONTHS AGO and I feel is it ridiculous that we have to make call after call, ask to speak to Supervisors just to get the paperwork off someone 's desk and to get the ball rolling to complete the lien release process. Unfortunately, at this point, my guess is that we have been mislead and our lien release has not been processed, even though we paid a fee to complete this process as part of the loan pay off amount!
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (VA)

PHH Mortgage crediting of checks is delayed and received date in their system of record is incorrect.   Mailed    XX/XX/XXXX payment  USPS Priority  tracked mail on   XX/XX/XXXX    . Priority mailed was delivered by   XX/XX/XXXX    .   Check had not cleared by XX/XX/XXXX   . Concerned, I called the customer service line the next day. The rep told me the check would be posted that day,   XX/XX/XXXX    . The rep also told me that PHH Mortgage date of receipt of the check was their processing date, XX/XX/XXXX   .   Fortunately this was within their grace period. I asked the rep to refer my comment to the supervisor -- the date of receipt is the date the mailed check is DELIVERED to PHH Mortgage, not the date PHH Mortgage chooses to process it.   PHH Mortgage 's lag in posting checks is consistent ( a week or more after documented USPS delivery date ), although this was the worst incident , 2 w eeks, perhaps due to   XX/XX/XXXX   holiday. I feel COMPELLED to pay fo r USPS  priority postage and tracking in order to be able to prove that I paid on time, given  PHH ' s track record of slow processing. It is frustrating and should be unnecessary.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation (TN)

I purchase a vehicle from XXXX ( aka BridgeCrest ) in XXXX, and have had nothing but trouble form them every sense. They charged me with late fees when its not my time of schedule payment, always calling 5-6 times at all hours of the day harassing the XXXX out of me, and also not reporting to all XXXX of the credit agencies when payments are made on time. I had a company look into my credit system and found were they are lying and not been truthful of the matter that I am paying my car note. Moreover, I have keep all of my receipts and even looked back on payments made ; and they are not giving me credit due. When I looked at my statements online, I noticed dates that I paid are not been included and they again overcharged on late payment fees when it was n't even my schedule payment time. This is the WORST CAR DEALSHIP EVER! Their moto is a lie when, it speaks of helping those with not so good of credit. I have asked repeatedly on numerous occasion to have my payments modify and still I always get excuses and no one is willing to help lower my payments. I have been advised to look into XXXX XXXX who can have them stopping calling me everyday, give me credit were credit is due, stop charging late fees when its not my time to pay my schedule payments and to report to credit agencies when I am making my payments each month. Plenty of people that I have spoke to say how awful they are, calling with the harassment many times in one day. I made my last payment on XXXX/XXXX/16, Saturday and they called me the next day, and the next day, and the next day. That was unacceptable, and no reason to have called my phone that many times, when I had paid. My schedule payments is every two weeks and if I miss a week, I 'll pay the week after, which is still technically every other week. If I could find a way to get out of this loan, I would. They are overcharging me, cause my balance I know should be down and with them they keep adding it up. NOT COOL AT ALL! I am dissatisfied with BridgeCrest formerly known as XXXX. I will be taking other measures from referral resources to have them stop frustrating, stressing me out, cause it 's ridiculous how annoying this company is. STOP HARASSING ME WHEN I MAKE MY PAYMENTS EVERY OTHER WEEK!!!
Consumer complaint received 2017-08-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

this is for XXXX XXXX XXXX with XXXX XXXX XXXX from XXXX 2014. this account was charged to XXXX XXXX and should have never been charged to me. it is a closed account, and should not be on my credit report
Consumer complaint received 2016-04-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc. (AZ)

West Asset Management has been calling my boyfriend 's cell phone everyday after he asked them to not call him anymore as he is not responsible for my debt. My boyfriend has recorded numerous times that they still continue to call and using aggressive measures to collect a debt. This company is harassing someone who does not owe this debt and should be held accountable for these attempts after being asked numerous times not to call that number.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

ocwen has given me bad credit because they say I have not made payments when I have proff that I did.now I cant even get HARP help because they say you need 6 months of making payments and ocwen says I have n't when I have bank statements proving I have .so now I cant get gove.helpor get someone else to take my mortgage even though I made some times two payments a month.i am XXXX.i cant XXXX.i cry all the time.i lost my son and my husband in the last year.now I am going to lose my house.and no ome will help me.can I sue ocwen for putting me through this and making it so I cant even get HARP.my interest is over 10 percent.thats just plain criminal
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (FL)

I was placed in collection by XXXX XXXX. they contracted Allied Interstate collection company. I had trying to contact XXXX XXXX couple time, I left voices main and my imformation, in order to resolve this issued. I have paid all the balance remain from that units. also ALLIEDI NTERSTATE, not want to accept any documents they want to inforce any potential force about report to the my personal credit files.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion had a computer glitch in which several of my inquiries were deleted, then placed back on my credit report - I did not receive any notices 5 days prior to them re-adding the inquiries to my report - I contacted Transunion on  XX/XX/XXXX   in good faith to ask them to delete the inquiries that they illegally placed back on my report - I am in the process of trying to purchase a home for myself and my children and this mishap has caused a major hardship with this process. It is causing major questions about my credit report, why all of a sudden do I have so many new inquiries showing, etc etc etc, I have had to put off trying to purchase for 30 days, which, as I 'm sure you well know, means the home that we want will be sold to someone else in that timeframe.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Last XXXX, I applied for a credit card at my XXXX XXXX XXXX XXXX, and at XXXX XXXX XXXX.
My credit score, according to Experian, was XXXX, I have NO debt and all my bills paid way ahead.
Currently, I have only one credit card, XXXX XXXX, and its in a constant use for ten years.
XXXX denied me any credit, because Experian ( which they are dealing with ) did n't let them see my information ; it was a Freeze on it.
XXXX XXXX XXXX refused me any credit, as well, due to my phone number missing on that file they were supposed to view.
I did call Experian on XXXX XXXX, and had a 40-min-long pleasure talking to their XXXX, in XXXX XXXX. He assured me that from now on, my phone will be on my file, but could not explain, why the XXXX it was n't there to begin with.
On XXXX XXXX, Monday morning, I called Experian, again. This time I asked to talk to USA personnel. Guess what, over an HOUR later, their lady - Manager, with initials XXXX, still did n't have my phone number on file that banks need to see, two months later, and she also had no clue, why Experian 's staff fails to type-it in, over and over and over again.
By the way, Experian 's staff is so challenged that nobody noticed that my only phone number was repeated twice, on p.2 of 4 : " The numbers you provided when adding this alert are : XXXX and XXXX. '' But when XXXX XXXX XXXX needed to see it - it vanished ...
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Because I have applied for a credit card twice, at two different banks, my credit score of XXXX  went down significantly, and I never got any approval.
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Report # XXXX
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

I have contact  National Credit  Systems on several occasions in regards to comments on all  XXXX  of my credit files that I want removed. After being told several times that someone would call me back I finally spoke with  XXXX   XXXX  at ext  XXXX  today,   XX/XX/XXXX     who put her  XXXX   XXXX   XXXX , who identified herself as a supervisor. When I explained to her that I have asked all  XXXX  credit bureaus to remove the comments " consumer disputes this information '' from my file since I am no longer disputing this debt and they informed me that every time they remove the comments  National Credit Systems  add the comments back on.  XXXX   XXXX   XXXX  informed me that the only way the would remove the comments is if I paid the debt. I told her I was no longer disputing it and want the comments removed, she again repeated that the only way they would remove the comments is if I paid the debt right now and did I have a credit card handy. I told her I was not paying this debt, but am no longer disputing it. That I 'm trying to obtain a mortgage and need the comments removed and since I was the one the initiated the dispute and am no longer disputing it, I am requesting that they stop put the comments back on when I have them removed, she told me that this is n't going to happen, and again the only way they would remove the comments is if I paid this debt in full right no.
Consumer complaint received 2016-11-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (VA)

I check my credit report regularly. Today I saw a notice that I had been hit with a 30 day late payment for a previous auto lease ( over 11 months old ) with Honda. I checked my online account, and saw that there was a charge of {$38.00} for one month 's worth of property tax due to Honda. I had closed that account as I leased another car with Honda. I paid my final payments. I even paid the property tax for my new Accord a few months later. I received no notification, no correspondence, no phone call regarding any additional property tax due. Instead, I have a negative mark on my credit report now, which can not be removed according to the Honda representative I talked to shortly after immediately making my payment. She inferred that I had dodged calls and correspondence for this charge. I would never dodge a payment. There is no circumstance in which I would ever evade calls from accounts to which I owe money. 
I am disgusted that even after paying the account, nothing can be done to correct the credit report which denotes that I am now 30 days late on an auto lease no longer in my name.
Consumer complaint received 2017-08-16
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. (GA)

this is with equifax and XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX dollars. this account was charged to indigent care and the doctor himself told me in 2014 there was no charge for this as it is indigent care. please remove at once
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I was talked into obtaining a private student loan from XXXX by a school program for pilots that promised to teach me how to fly. The school fell through on their promise and I was terminated with no previous warning. I contacted XXXX at the time to see if they could help me and all they did was put me on forbearance and after years on forbearance they have started threatening phone calls and harassing both my cosigner and myself. I later found out that the school I was with obtained the loan on my behalf by using their Part XXXX designation when I was not a Part XXXX student I was actually a Part XXXX student which is not allowed to obtain student loans. Now they call on a daily basis multiple times a day and I have tried to arrange for payment but they want me to pay an outrageous amount of money per month that I nor my cosigner can afford. I do not know what else to do and have ran out of ideas.
Consumer complaint received 2017-07-13
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: Experian Information Solutions Inc. (TN)

I learned my drivers license was stolen. The spelling of my name have been changed in probate court. It is now XXXX XXXX XXXX-driver license number is ( XXXX ). The names I 've used in the past are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My XXXX XXXX XXXX account number at XXXX XXXX XXXX was XXXX. I purchased the property on XX/XX/XXXX. XXXX XXXX annexed in XX/XX/XXXX. I do n't know why the bill do n't show the account number when I purchased the home. Unless I have a victim all those years. I know the XXXX XXXX have always stole utilities. From XXXX when I filed bankruptcy. My last employer was XXXX XXXX XXXX XXXX -from XX/XX/XXXX-XX/XX/XXXX the company EIN number is XXXX. Prior to XXXX XXXX I was employed with XXXX XXXX. Their EIN number is XXXX. XXXX XXXX XXXX EIN number is XXXX. I was employed with XXXX XXXX in XXXX. The case numbers I 've had in wage earner court are XXXX XXXX & XXXX My history have been deleted from the courts by XXXX XXXX & XXXX and XXXX XXXX XXXX. My past addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN , XXXX XXXX XXXX XXXX TN . XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX Tn XXXX XXXX XXXX  XXXX TN XXXX. My mother social security number is XXXX she XXXX XXXX XX/XX/XXXX. Her name is XXXX XXXX XXXX. My father social security number is XXXX he XXXX XXXX on XX/XX/XXXX-his name is XXXX XXXX At. His social security appears to still be active. Sisters, brothers, their children grandchildren, XXXX XXXX and all are using the XXXX social security number. A fraud alert was placed on my credit report by Attorney XXXX XXXX without my knowledge for seven years.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

Mortgage with XXXX was sent to shellpoint mortgage services as known as resurgent. They tacked on frivolous charges ( service ) and could never explain basis for them. I did modification in 2013 with them that took forever because they kept losing the package. Finally I was supposed to get a XXXX for 2013. I have a letter stating they will provide said document but I have yet to receive it. I keep getting runaround because they are lying ( stating request never put in, different date for XXXX, saying never produced by them )
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to the bureaus requesting they conduct an investigation into some accounts on my credit report because they are not correct. It has been more than 30 days and they have not corrected, updated, or deleted anything and the have not sent me the results of their investigation. I am demanding they remove these accounts from my reports immediately for failure to comply with the FCRA and conducting a reasonable investigation in 30 days.
Consumer complaint received 2017-07-12
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: CITIBANK, N.A. (NY)

I receive a cancellation on debt on XX/XX/XXXX, for account # XXXX, meanwhile Macys is still reporting and colleting on this card, when by law they can not, they cancel the debt since it was froud. I contact the recovery department who is Citibank internal recovery on XX/XX/XXXX i spoke to someone by the name of XXXX ID # XXXX who told me i owed the money and it would be reporting on my credit until i paid it. I explained that i pay taxes for that debt, i asked to speck to supervisor or mananager, she told me that Managers or supervisors dont speak with Debtors.
Consumer complaint received 2017-01-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I received a letter from US Bank saying they would close the account on XX/XX/2017 and would send me the amount in the account NOT A PORTION VIA CERTIFIED MAIL. On XX/XX/2017 US Bank withdraw ONLY A PORTION OF MONEY, " leaving some there. '' I have a print out ATTACHED. ON XX/XX/2017 I went in the XXXX XXXX XXXX branch where the banker called several people who said they ALREADY SENT me MY MONEY via certified mail. XX/XX/2017 I go in XXXX branch and XXXX XXXX tells me that the XXXX branch who sent me the letter INSTEAD OF SENDING IT TO ME AS PREVIOUSLY TOLD, US BANK REDEPOSITED THE MONEY TO THEMSELVES ALSO THERE ARE " DEBIT HOLDS AND CREDIT HOLDS '' CAUSING ME UNABLE TO USE THE ACCOUNT. THE BANK IS STEALING MY MONEY " REDEPOSITING IT WHEN I WAS TOLD BY XXXX BRANCH IT WAS ALREADY SENT BY CERTIFIED MAIL TO ME. ''