davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-24
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)

XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Dear TransUnion/ XXXX/ XXXX : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; XXXX has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted TransUnion/ XXXX  XX/XX/XXXX. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-06-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

THE ORIGINAL LENDER WAS UNLICENSED TO FUND THIS LOAN, IT WAS ALL DONE AS PART OF THE FINANCIAL CRIMES BEEN COMMITTED AGAINST CONSUMERS BY THESE WHITE COLLAR CRIMINALS, THERE IS AN OPEN CASE WITH THE DOJ, AND I JUST SUED THEM ALL AND JUDGES IN FEDERAL COURT
Consumer complaint received 2017-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I received a settlement check from a car accident and deposited it via mobile onXX/XX/XXXX for {$3800.00} into my USAA account. The attorney that issued the check banks with XXXX XXXX XXXX. After taking a picture of the check and making the deposit I placed the check in a folder where I keep important documents. In XXXX I was going back and fourth to the library and I carried my folder with me. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my vehicle detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted USAA and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and noticed the check was not there. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted USAA again and filed a fraud claim on our account. I went to XXXX County Police departmentXX/XX/XXXX and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. OnXX/XX/XXXX I received a copy of the check from USAA. The check was presented to XXXX XXXXlXX/XX/XXXX on XXXX XXXX. I went to that XXXX XXXX branch and spoke to the manager he stated the fraud would need to be handled by USAA and XXXX. I went to XXXX police dept and filed a police report Case # XXXX. The detective stated he spoke to the person that cashed my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. It is nowXX/XX/XXXX all involved banks are stating it is not their fault it is the other bank. USAA and XXXX have both closed their fraud investigation and I do not have my money back. I have fallen behind ALL my bills because of this situation and would like for this to be resolved immediately.
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

Hi I was living in an  XXXX    XXXX   XXXX   in California from  XXXX   XXXX  to  XXXX   XXXX  and at the end date of my lease i got a complete billing from the apartment that i owe them for the maintenance and all other charges that are need to pay. Once i received my final billing complete amount has be paid. I am still getting calls from  I.Q Data international INC collection agency that i need to pay them  another  XXXX   . I h ave requested many times the collection agency that all the amount has been paid and i even sent them the documents. They are not listing to me and asking me to pay the debt that i do n't owe them since final amount has already been paid. And they put this in collections which is effecting my credit history.No action has been taken by the company.
Consumer complaint received 2017-06-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

My Credit Score has been lowered the Credit Agencies ( XXXX XXXX, XXXX ans Equifax ) is and has offered an explanation claiming " HARD INQUIRIES '' is and was the reason ( s ) for the Credit Score being lowered. When I initially filed my Complaint with cfpb for this issue I offered my explanation and why I feel the Score should not have been lowered. I have been shopping for a NEW vehicle and the Dealerships as part of the deal making process they always request to check your Credit and with the understanding that my Credit was o.k. I would agree to the check. Also I have open several Credit Card accounts they also made checks into my Credit History. I had and have no control over the manner of the inquries whether they are HARD or otherwise. Regardless, my Credit Score should not be lowered due to how it was made and the number of times its checked. The Consumer should not be penalized for the number of times the Credit History is checked or the manner of the check. It has not been easy to have the incorrect information removed from my Credit History or rebuilding my Credit. Now that I can see a vast improvement the Credit Reporting Agencies want to penalize my efforts by the number of HARD INQURIES which are outside of my control.
Consumer complaint received 2017-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

This is a predatory loan with Santand er Consumer USA, I want to pay it off and they do not take any interest off 72 month loan I have made 32 pa yments. The car dealer  XXXX   XXXX   XXXX  got me this loan, they bullied me into taking an extended warranty for  XXXX  and if I did n't take it the bank would not give me the loan. Call the bank got double talk, went to the dealer they admitted something was incorre ct 1 week still waiting for a call back left 3 messages. I need help.
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On X/XX/2017 & X/XX/2017 despite having broken so many consumer protection and billing laws and multiple violations of Regulation Z, USAA has reported High Bankcard Utilization, multiple times on accounts they themselves already closed without any warning or just cause while refusing to provide any documentation. <P/>Additionally, XXXX of my cards should have had a zero balance, the third only had a high balance due to a disputed billing error USAA violated the allowed timeline and charged me for a year after the initial investigation was found in my favor and credits were permanently issued. <P/>Thus they are improperly reporting USAA SAVINGS BANK - High Bankcard Utilization multiple times on lowering my credit score. Additionally, they reported Credit Line Closed by Credit Grantor on  X/XX/2017 as well on an account which is in dispute and which was closed in violation of many sections of Regulation Z.
Consumer complaint received 2017-06-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

Rushmore Loan Servicing LLC has offered us a Trial Modification Package for us to restart paying our mortgage debt. We received their offer dated XX/XX/XXXX demanding a payment of {$3400.00} up front and then a monthly {$1700.00}. However, they have only included a penalty amount of {$44000.00} and have kept the total modified amount unstated. <P/>We accepted the trial modification offer but have asked for the total amount that we would be paying towards. I sent them a certified letter on XX/XX/XXXX asking for the total amount, what this amount would be applied towards i.e. when would the Trial portion end, and how they calculated the loan affordability. I stated that the $ XXXX/monthly demanded payment was too high relative to our stated gross income of $ XXXX/monthly. <P/>Initially they agreed that they would get back to us and clarify our questions ; but now they have called on XX/XX/XXXX threatening that if we do n't follow through with the  demanded payments they would pursue foreclosure.
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (MA)

XX/XX/XXXX There is a long history of problems with TD Bank and it 's branch managers here on XXXX XXXX. XX/XX/XXXX do nothing to redress complaints and our experience with the executive branch is that they ignore written complaints, despite any evidence that they have done wrong. We 've had trouble with previous " Retail Managers '' ( TD considers their banks to be just stores, like XXXX. But our experience is that XXXX is more responsive to consumers and attempts to rectify problems, not inflame them. Unlike TD Bank. ) Most recently, XXXX XXXX, Retail Manager of TD Bank on XXXX XXXX, denied culpability for wrongful and excessive overdraft fees, stemming from events on or about XX/XX/XXXX, which of course then created a cascade of shortfalls which accrued to the wrongful benefit of TD in permitting them to collect more fees than they were entitled to. Despite conflicting information from the branch employees, and the back office " in New Jersey '' about why the fees were charged, then changed, apparently both in violation of bank practices and policies, TD also does not provide transparency about account charges regarding overdraft fees and there was no way anyone checking the online banking version of our account could see the same information that the TD back office and branch employees saw, thereby deliberately preventing account holders from seeing the service charges and activity that TD saw. <P/>Further, TD violated their agreement with account holders to provide fee free checking by imposing a {$2.00} paper statement fee, which XXXX denied was a service account fee in violation of the contract with account holders, but which is exactly that under the cheap masquerade of a different fee label.
Consumer complaint received 2017-06-24
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

Nissan Motors Acceptance Company ( NMAC ) Loan  #  XXXX .   XXXX  I have requested that this company report all my loan payoffs, as well as the payment in full for the vehicle to all  XXXX  credit bureaus, which they have refused to do.   XXXX  They stated the law prevents them from reporting the full payment history as I listed the loan in my bankruptcy. They stated even though I am willing to give them written permission to report the payments they are forbidden from reporting the payments.   XXXX  My mortgage company, who was also listed in the bankruptcy, is reporting my payments after I gave them written permission, and I find it quite difficult to believe there is a different law for automobile loans.
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

From : XXXX XXXX XXXX Via XXXX XXXX XXXX, XXXX XXXX XXXX debit card & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : {$100.00} Debit XXXX does NOT work Debit XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX Valid Through : XX/XX/XXXX To Whom It May Concern : Recently, I received a XXXX gift card from one of my XXXX ( I 'm a XXXX ). I went to redeem it, and the card would not work. I called the number on the service number on the card, and I was told to write a letter stating that the gift card should be transferred into my name. I called again on XX/XX/XXXX, and spoke to a customer representative named XXXX, employee I.D . XXXX. She told me the only thing left for me to do was to fax in a copy of my driver 's license and utility bill to show my identity. On XX/XX/XXXX, I faxed in a 3rd copy of the gift card, driver 's license, and utility bill. I have called multiple times to inquire the status of the card. On XX/XX/XXXX, I called again and I was told the bank received my fax. <P/>I have been waiting two months to receive a new XXXX gift card from XXXX XXXX XXXX XXXX  XXXX XXXX. <P/>XXXX XXXX XXXX
Consumer complaint received 2017-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMPUTER SCIENCES CORPORATION (WI)

CSC LOGIC inc, XXXX XXXX XXXXXXXX has several contact phone numbers on the statement. Two numbers placed me into, respectively, a survey about whether the XXXX are a good place to vacation stating that participants might win a free trip, and an offer for a " free '' {$100.00} shopping certificate if I paid {$4.00} shipping. In both cases there was no option to skip the advertisement. If I refused to answer the company hung up on me. I tried to open an online account to get information off the website but the statement did not list the site code required to open an account. In the end I called the collections number. When I told the collections rep I was filing a complaint with the CFPB she answered my questions about interest rate and calculations. She told me the number with the ad was the actual customer service department. I had called because two payments were reversed and reapplied with significantly higher interest amounts.
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I had spoken to a representative back in the fall of XXXX and this is where my journey with Lowes Credit and Synchrony bank started. I learned, that unless I hit a particular setting within there website, my payments would not pay off interest free promotions first. The representative I spoke to fixed one HUGE purchase interest issue, but instructed me to call back when I had time to look into older promo 's, in which interest was charged incorrectly because of promo 's not paid correctly. I did call back in late XXXX XXXX or early XXXX XXXX and the rep I spoke to put me on hold and told me, I should be credited back over {$1100.00} in old interest for promo 's not credited properly. Ive now gone back and forth with Lowes and Synchrony over this and while they credited me back interest for a couple months, as a courtesy, they never completed the amount to pay me back in older interest charged incorrectly. I was told by a rep on a chat line that as another courtesy, they would credit me back interest from my XXXX and XXXX or XXXX XXXX statements, and this not only never occurred, Lowes is refusing to look into this issue. Ive loved shopping at Lowes, love their credit promos and I continue to use them, but I think I should get at least these 2 months interest credited back as promised
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have contacted these companies over and over again I have had my identity stolen and all these inquiries are plain out crazy. I have called and I can not get a representative on the line I have also did plenty of disputes and there response is it 's mines and it is not mines.
Consumer complaint received 2017-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TX)

his is not correct -- I asked the amount to get current in XXXX -- In XXXX I paid extra and asked it to be put towards principle -- I have even called and pointed out that this is still not right. They applied more to my interest. I am current and they are not applying the funds properly. How many other consumers are they doing this to as well? <P/>Account Information as of close of business : X/XX/2017 View Account Information by selecting any of the options below : Welcome XXXXXXXX XXXX XXXXXXXX Select Account Summary Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Co-Borrower : XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Vehicle Make : XXXX Vehicle Model : XXXX XXXX XXXX Vehicle Year : XXXX Veh ID No. ( VIN ) : XXXX Last 6 Characters Contract Detail : Payment Information : APR : 16.4 % Payment Amount : XXXX Bal as of X/XX/2017 : XXXX Past Due Amount : XXXX Late Charges : XXXX Other Charges : XXXX Recent Activity : Date Last Payment Rec 'd : X/XX/2017 Total Amount Due : XXXX Last Amount Rec 'd : XXXX Next Payment Due Date : X/XX/2017 Days Delinquent : 9 Select Account Payment History Show Transactions for : Go Process Date Effective Date Transaction Description Principal Interest Misc Fee Late Fee Other Fee Total X/XX/2017 X/XX/2017 XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) X/XX/2017 X/XX/2017 XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) X/XX/2017 X/XX/2017 XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2015-12-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (SC)

I paid a hospital bill before due date. Weeks later I received letter from a collection agency saying I owed the same debt so I contacted the hospital system with my receipt and they assured me that it would be worked out because the account was labeled " paid in full '' and subsequently closed. Later the collection agency called me to collect the same debt so I contacted the hospital again and they reassured me that it would be taken care of and would contact the collection agency to stop attempting to collect the debt. Later I was notified the the debt had impacted my credit so I contact the hospital again and they have located the payment and would investigate why the paid bill was still sent to collections. I noticed my credit had recently dropped significantly because the debt so I inquired about the investigation and the hospital representative said they have noted to investigate the payment, not the collection and recommended I come in with the receipt to help clear up the situation.
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

XXXX XXXX XXXX XXXX. XXXX, XXXX ( Retired ) XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX In reply to your letter dated XX/XX/XXXX Recd o/a XX/XX/XXXX Re XXXX # XXXX This is My FINAL communication with you! You have apparently not read or have Employees who can read the previous communications. <P/>I am a retired XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am XXXX YOA and have all my faculties. <P/>I am not impressed at with your False Investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Two Statements and two advertisements do not qualify as an investigation. I think I have given you this statement previously. This was sent to XXXX early on : ( XX/XX/XXXX ) I contacted your support for help to get the XXXX router working, which I paid {$190.00} for. The XXXX worked great for about thirty days, and I have had nothing but trouble since. I have sought help from the company store, your local support, and by your Phone support without success. I have to reboot the router at least 4 or 5 times a day and recently every hour. My phone is also attached to the router and everyone is getting mad with me because they cant reach me by phone. I was still having problems with it when it was finally turned off! I have found an alternative service. I am terminating this account as of XX/XX/XXXX the date it was last used. Im enclosing my check for {$52.00} again, which is my FINAL PAYMENT for the XXXX Router Conection. I will take the other charges that I paid as a lesson learned. I have received far less service from you than I agreed to pay for. I am totally disappointed with XXXX, and I can never recommend you to anyone in the future. I will not pay for a system that does not work! This is the Last time I will waste a Postage stamp telling you whats wrong with this account. <P/>There is no law in the world that would require me to pay for a service that doesnt work. I paid all fees for seven months hoping we could have gotten this to work. I have all the bills they have continued to send me thru XX/XX/XXXX. Starting with a {$0.00} balance in XX/XX/XXXX to a {$230.00} in XX/XX/XXXX. Including your firm, I have received collection letters from 7 different collection agencies. Yours is the last. <P/>Yours Truly, XXXX XXXX O XXXX , XXXX Copy : CFPB
Consumer complaint received 2017-06-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

I signed a loan for my children to buy a truck through Santander ( #  XXXX  ) and although we 've paid them in excess of {$30000.00} for a {$17000.00} loan... they 're showing it in collections on my credit report still owing {$5200.00}. When the kids were late, they took all our payments to bring it current and pay it off, but never applied them to the balance and have left the collection sitting out there hurting my credit to buy a home with the VA.