davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

I have recently moved to XXXX from XXXX and was trying to get an XXXX plate for my car. The tag office in XXXX XXXX, XXXX sent a request to my finance company, Santander Consumer USA on XXXX/XXXX/XX/XX/2015 and I was issued a temporary tag. I went back when my temp tag expired and they still had not received an answer so they sent another request and I was issued another temp tag on XXXX/XXXX/XX/XX/2015 On XXXX XXXX, XX/XX/2015 I went back to the tag office and they made a call to my finance company and was told that they had received the requests, but they were sent to the wrong department so they just filed them. The local tag office was given the phone number for the correct department and they called that number and were told that they would request a copy of my etitle as soon as they received the request for it. The local office once again sent the request to the now correct department and we checked to make sure it was received. It was and we were told it takes XXXX weeks for that to arrive. XXXX at the local office spoke to XXXX in the title department of Santander Consumer at XXXX. I have since spoken to him as well to ask if there is anyway to put a rush on this as we have been trying since the XXXX part of XXXX to get it and was told no, they are sorry. I was told that the original request should have been forwarded onto them and they were very sorry it was n't. I ca n't get a XXXX temp tag and have to wait for this to come through to get my metal tag. In the meantime, my car is sitting in my driveway with no tag on it at all and I am unable to go to work, doctor, store or anywhere.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (OH)

I paid {$43.00} to overnight a certified check to the credit card company to pay off the account in full. I was told it would post immediately However, synchrony financial is holding my account hostage by refusing to zero out my account for 3 days - without cause. Given that 's it a certified check, there is no reason to freeze the account. I have an emergency medical problem and need the account for medical bills. Thus, the reason for overnighting the check.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to Experian and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft : XXXX XXXX BANK XXXX Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX Closed XXXX Missed Payments {$0.00} XXXX Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$460.00} XXXX BANK Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$670.00} XXXX DEPARTMENT OF XXXX XXXX XXXX XXXX, XXXX Closed XXXX Missed Payment {$7300.00} XXXX XXXX XXXX Student XXXX XXXX, XXXX Closed XXXX Missed Payments {$820.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$360.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1000.00} XXXX XXXX XXXX, XXXX Open {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$5600.00}
Consumer complaint received 2016-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (NY)

I took out a {$12000.00} student loan in 1983. I defaulted on the loan and since then my paycheck, income tax and now my Social Security have been garnished. In the past 30 years the loan has been paid three times over but I still have to pay these collection agency fees. For 30 years I have been trying to get on payment plans to stop the garnishments but because the loan is in default, the collection agency would not let me set up my own payments thus the vicious cycle.
Consumer complaint received 2016-09-03
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (NM)

I purchased a TV and stand from Conn 's. I had unemployment insurance and thought that would cover my payments until I could secure another position. The insurance division refused to pay the payments stating that since I resigned ( this was a forced resignation ) that I did not qualify. 
They have been calling me at work, at home, on my cell, up to 8 times a day. 
This is harassment and illegal. I also told them to stop calling and they still are calling. 
Please assist.
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

XXXX mortgage, XXXX home Equity Line of Credit. In XXXX XXXX, I filed for divorce from my husband. In XXXX XXXX a stipulation was initiated in XXXX Co Family Court that gave my husband " sole use '' of our home. I moved to a different location with my children. He has been living in the home since that time. At his request in XXXX XXXX, I quitclaim deeded the house to him, and it was registered in XXXX Co XXXX Court. This was in an attempt for him to try and refinance the property. I have not been employed continuously for many years, thus the financial responsibility has been his. Recently he also filed for Chapter XXXX Bankruptcy to which creditors XXXX XXXX and XXXX are listed. This was finalized and payments are being made by him at 100 % payback. I am requesting that these debts be modified in the 3 major credit bureau databases to reflect that I am not liable for the debts. At this time, the information on my credit reports indicate a very poor score and is affecting my ability to obtain a XXXX XXXX loan to complete my XXXX XXXX XXXX.
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

HSBC US is, in my opinion, behaving in a discriminatory fashion in refusing to open a checking account for me, a licensed U.S. Attorney. I am an XXXX with extensive business experience in XXXX. In XXXX I visited the HSBC Branch on XXXX XXXX ( XXXX ) and XXXX XXXX with company documents, the necessary identification, and EIN documentation. Thereafter, I was invited for an interview. I spoke about my business accomplishments in XXXX and what I was trying to do -- set up a transcontinental airline. After the two hour interview, I did not receive so much as a letter indicating the status of my application. 
In XXXX XXXX, I decided that I would go to HSBC XXXX XXXX, as I did not want to deal with the unprofessional people at XXXX XXXX Branch. To my surprise, the same lady, XXXX XXXX, was the branch manager there, and said she would get back to me. Bear in mind, this is to open a simple checking account. I provided Certificate of Good Standing as a XXXX, XXXX, XXXX, proof of registration from the state of Maryland, and XXXX Identification Number. After a few weeks, still no answer so I worte to XXXX XXXX, and told her that I thought her treatment of me was highly discriminatory, and that I would take legal action if they do n't get their act together. She referred me to XXXX XXXX, XXXX at HSBC in New York. This time he said that all accounts having to do business with XXXX ar high risk, and that he woud take the pressure of of XXXX XXXX and send it to their compliance department. I reminded XXXX that the United States recently reapproved the XXXX Gowth and XXXX XXXX ( XXXX ), which was designed to encourage trade between XXXX and the XXXX. I also reminded him that the XXXX bank of the United States is providing millions of dollars in credit guarantees to XXXX companies purchasing U.S. manufactured goods, and that the XXXX XXXX XXXX XXXX ( XXXX ) was providing millions of US Dollars in project finance to companies overseas in which an American citizen owned at least 30 % shares. Therefore, I proffered, how could HSBC have such a policy that discriminated against an entire continent of XXXX people, and why have they reduced to address the issue of opening the account by putting something in writing. If find the entire treatment unacceptable, discriminatory, and illegal, and I want the necessary action to be taken against HSBC US.
Consumer complaint received 2015-11-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

When checking the alternatives for refinancing my home loan with Citimortgage, I discussed various loan options and was offered a XXXX at 2.875 % and a XXXX interest only loan option at 3.50 %. As I wanted to live a long time in the home, I chose the XXXX option at 3.5 % and was given no guidance or advice in the process. Only several years later did I discover the loan will revert to a 20 year amortization period, with much higher loan payments which I will not be able to afford. Had I realized this fact, I would have chosen the XXXX loan with lower payments after 5 years so I could afford to live in the home. I have asked Citimortgage to consider the facts and provide an alternative but they have refused to help.
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2016, I applied for a credit card on the Wyndham Rewards website. The credit card, with a {$69.00} Annual Fee, was a " Limited Time Promotion '' offering XXXX bonus points ( Barclay Card US services the card ). This promotion was available on the Wyndham Rewards website beginning about XXXX XXXX and ending in XX/XX/2016. 
My complaint is Barclay Card US has credited my account with only XXXX points, claiming the XXXX point offer does n't exist. On XX/XX/2016, I contacted Wyndham Rewards for help, as the offer was on the XXXX website, they directed me to Barclay Card US customer service. On my request, Barclay Card US opened investigation CASE XXXX on XX/XX/2016. 
When I contacted Barclay Card US, on XX/XX/2016 to request CASE status, they said the investigation showed the XXXX point offer did not exist, and I was not due the additional XXXX points. 
On XX/XX/2016 @ XXXX, I contacted Wyndham Rewards customer service, they agreed that I was due XXXX points since it was an active promotion on their website. The limited time offer was on Wyndham 's Webpage for XXXX and XX/XX/2016 only. The Wyndham customer service manager ( XXXX ), with me conferenced, called Barclay Card US customer service and spoke with a manager ( XXXX ). The Wyndham manager had the Barclay manager access the credit card offer via the Wyndham Rewards webpage. The Barclay manager did verify that the XXXX bonus point offer did exist and I was due an additional XXXX bonus points. XXXX, the Barclay Card manager offered to immediately credit my account with XXXX points, the maximum that her position was allowed. I refused her offer, and stated that I would wait for the full XXXX points to be credited. The Barclay manager on XX/XX/2016 opened CASE XXXX to have my points account credited. 
On XX/XX/2016, I contacted Barclay Card US about CASE status, and was told the investigation again showed that the XXXX bonus point offer did not exist. I was told nothing further would be done by Barclay Card US customer service. 
When calling Barclay 's customer service, an announcement states, " ALL CALLS ARE RECORDED '', meaning that a recording of our XX/XX/2016 conversation exists, with the Barclay manager ( XXXX ) confirming that the XXXX point promotion exists. 
Note, on the XXXX webpage, when I clicked on the " LEARN MORE '' label of the " Limited Time Offer '', a new webpage displayed that originated from the Barclay Card US website/webservers. The below is the URL that is displayed on that webpage. Paste the below URL into a web browser, and the actual XXXX point promotion will display for you. It is still live on the Barclay Card US website. 
XXXX On this new page you can view/download the Barclay Card Terms & Conditions showing the XXXX Bonus Point offer that I applied for . THIS WEBPAGE IS ACTUALLY BEING DISPLAYED BY THE BARCLAY CARD US WEBSITE/WEBSERVERS. For Barclay Card US to state that the offer does not exist is a blatant lie. This is Bait & Switch by Barclay Card US.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I had a XXXX XXXX Account opened in XX/XX/XXXX and the last time used my account before I close it was XX/XX/XXXX. My account was paid in full at the XXXX XXXX in VA in full. XXXX reported my account to the credit reporting agency as paid in full. How I check out my credit reports XX/XX/XXXX and XXXX have my report showing negative information. I called XXXX XXXX and they stated what they report is correct and that 's a false statement. Someone please help me with this case. I will take a lie detector test to show you all that my statement is true.
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I signed up for a CitiGold Checking Account using promotion code : XXXX which promises the consumer XXXX XXXX XXXX AAdvantage miles after spending {$1000.00} on the debit card within 60 days of account opening. When I completed this I called Citi and was told that the miles should post to my account by XXXX. 

It is now late XXXX and I have not received the miles. Here are the steps I have taken to resolve the issue myself : 1 ) A few months ago I called Citi and was told the miles would post by XXXX 2 ) I used online chat support to ensure I met the terms of the offer 3 ) I called Citi in XXXX to see where the miles are. A CSR told me that they 'd get back to me with an update in two business days 4 ) I called Citi again after four business days and was told to wait another two business days 5 ) I called Citi again and was told to wait 60 days. 

I feel like Citi Bank has pulled a bait and switch on me - they offered one thing with a very specific time frame and have instead pulled the offer and made the time frame ambiguous. I feel cheated by the bank.
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

I just received this report from Experian after the last dispute you processed. Before you send it off to Experian, maybe what I am being told by XXXX and XXXX is false, they deleted after last payment was made XXXX years ago? 
This XXXX account was scheduled to be removed and was by both of the other XXXX bureaus. The last payment was just over 7.5 years ago. Experian, they " verified '' it but still leave it on. Experian pay history is correct, last payment was XXXX 2008. What tools or laws do I have to enforce them to delete this XXXX account? Maybe they do n't understand what they are doing? XXXX and XXXX have put in a solid effort to correct my report, Experian, well see for yourself. If want to bother them again, it 's appreciated. I just wish there was a system that we could fine them for not doing their job, like {$500.00} for each violation, just enough to get their attention.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flatonia Investments, LLC (DC)

I live in a condo building and every year my mortgage provider XXXX Envoy Mortgage XXXX sends me a letter that says I have to provide evidence of my condo buildings master homeowners insurance policy. The first year I found the letter oddly worded so it was not obvious to me what they needed me to do but now know they need something from my condo association. But this year, the very first letter they sent said they had already purchased coverage on my behalf with little information on why or for how much. When I called the customer service line to try to figure out what was going on I realized it was the usual request for proof of master policy coverage and I explained I did n't understand why I am being sent a threatening letter saying they purchased insurance on my behalf. The woman on the phone kept saying that the letter was CFPB approved but also confirmed this was the first request letter. I told her the letter may be CFPB approved to send at some point but it makes no sense to send me a threatening letter saying they bought coverage on my behalf without even requesting proof of coverage, that I have to request from my condo board. I also said that CFPB likely approved the letter to be sent in specific circumstances and I really doubt that the first request for proof of coverage was XXXX of them. By the end she did seem to get that the aggressively worded letter was not appropriate and said she was going to research this. However, since every year this process is way more difficult and time consuming than it needs to be I would really like someone to confirm that the letters they are sending are approved. I find them not particularly straight-forward with what they need since I also have a personal home owners policy and, most recently, unnecessarily threatening.
Consumer complaint received 2023-06-08
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX JXXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX L XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX CT XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX L XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX CT XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} I.C. SYSTEM, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$180.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Yesterday, XXXX XXXX 2017, at XXXX pm, I received an email from Trusted ID Customer Service, the company Equifax hired to assist consumers with compromised credit issues. It stated that my account had a " New Credit Monitoring Alert-Action Required '' and requested that I contact Customer Care at XXXX. I telephoned the number that evening and was on hold for 4 hours and 39 minutes before I gave up and went to bed. 
Thus, I can not contact the company about the issue and expect that there will be further issues and that I will be unable to contact the company in the future. 
Throughout the 4 hour and 39 minute hold, I heard numerous recordings assuring me that I was a valued customer, that the company was most concerned about me, and that I should call back later. I doubt that this is the case. It seems to me Equifax has hired the least expensive service company which, in turn, hired the least number of representative to assist customers. 
I do not want Equifax to have my information ever again nor do I think Trusted ID should be handling customer care. 
As a government entity charged with fair trade, please look into this situation.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I found a {$35.00} collection record in my credit report from XXXX back in XXXX 2014. I never received any notices or phone call from them. After a conversation with them, they said the only way to get it out of my credit report is to pay it off. I did pay it off as requested and just found out today that they still have it in my record. I attached a letter from them for your review.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I submitted a certified letter to Equifax disputed several account that they were reporting.This letter was received by them on XX/XX/XXXX. I recently received their response, in their response that state that this is an Re-investigation, however, That is incorrect because this is an initial investigation. The accounts in question are XXXX XXXX XXXX # 's XXXX and XXXX. XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX and World Finance account number XXXX. 
Equifax was informed that these accounts are not mine, and asked to submit proof of the verification they have supporting their reporting, which they did not. I have personally requested that These agencies send me verification and they have not, so how is Equfiax verifying these accounts without verification? The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.