davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Santander Consumer USA Holdings Inc. (CA)

Last month, on XX/XX/XXXX, I realized that I had not paid one dollar toward the premium on my auto loan. A friend of mine in the conversation said " What do you owe? You've had your car loan long enough to be paid off already. I looked at the bill and was outraged to see that I had not paid anything on the premium and had been only paying off the monthly interest. I called the company to see if they could release the loan or refinance it. They said that they understood, but they do not refinance their loans. The loan was for a XXXX XXXX that I had purchased on XX/XX/XXXX, for {$9000.00} with XXXX on miles on it, from dealer # XXXX with a car loan for close to {$11000.00}. The payoff amount ( today ) on XX/XX/XXXX, including repossession fees of {$880.00} totals for {$9700.00}. 
The company is Santander Consumer USA Account Number Is XXXX Monthly payment is {$280.00} Monthly interest is {$280.00} XX/XX/XXXX past due is {$1700.00} ( per their website ) Last payment was {$850.00} on XX/XX/XXXX ( paid from student loan ) Account Maturity is XX/XX/XXXX Next payment is due on XX/XX/XXXX I figure if my payments started in XX/XX/XXXX and ended in XX/XX/XXXX that I would have paid 44 ( months total ) x {$280.00} ( monthly payment amount ) equalling {$12000.00} and that amount comes way over the {$11000.00} loan amount I thought I was paying for my car. I have been told I will probably go to my grave and my car will be my coffin if I don't do something now about this loan. Santander will not help me, even if they know I am a XXXX XXXX, under a hardship, and having trouble making my payments. I did not know auto loans like this ever existed and feel embarrassed that I got bluffed by a loan shark and a crooked dealership.
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (AZ)

On or about XX/XX/2015 XXXX XXXX reported a debt of XXXX $ that I've never used nor received or did I have a credit card with, on my credit report. Not do I have a letter or receipts or any such contract with. I only learned of this by reviewing my credit report recently. How may have this resolved without paying a debt I never accumulated?
Consumer complaint received 2018-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2018, I tried to reopen my account at Bank of America due to my previous account with Bank of America paid in full account number XXXX. Representative XXXX of Bank of America deny me a new account without adverse notice.
Consumer complaint received 2018-06-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

There was a fraudulent charge of {$6800.00} charged to my Checking account by CoinBase. I do not have a CoinBase account, so I believe someone has stolen my bank account information and made the unauthorized charge. I have contacted CoinBase and they have refused to investigate the issue, saying that it is my bank 's responsibility to investigate it. I believe this is an unacceptable response from a US based company. If they are unable to provide a secure method of processing transactions to minimize fraud, they should not be in business.
Consumer complaint received 2018-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

After Hurricane Irma hit Florida, my mortgage servicer Home Point Financial offered me a three month deferment on my loan to allow me to ensure sufficient finances were available for any home repairs that were needed. This period covered my XXXX - XXXX payments. In XXXX, I was contacted with an offer to roll up the three payments in deferment into a loan modification which I accepted. The terms were I would make three trial payments covering the XXXX - XX/XX/2018 payment, then a loan modification would be put in place. I made each payment. In XXXX I was told I had been successful and the process began. In XXXX Home Point Financial accidentally reported me three months past due and while they fixed it, the resulting error led to several of my credit cards dropping my balance by a total of approximately {$8000.00}. In XXXX I was sent and returned the loan modification documents and this was accepted. Then in XXXX my loan was transferred from between two Home Point Financial related company 's and in the process, one of my previous payments from XXXX - XXXX was removed from my loan modification profile meaning as of XX/XX/XXXX, instead of being up to date on payments, I'm now showing a month behind. I spoke to a Loan Modification Officer at the beginning of XXXX who told me not to worry and it would be addressed. Furthermore, on XX/XX/XXXX, an unauthorized attempt to debt my account occurred leading to fees being assessed on my Home Point Financial Loan. I called into Home Point Financial on XX/XX/XXXX and was told I had authorized the debt for the payment which I have not.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AL)

I have an Amazon Credit Card which is managed by Synchrony Bank. The bank is using a predatory late fee mark on my account even when I still paying the account and even when Im paying {$160.00} / {$80.00} twice a month. When I make the payments those payments are instantly debited, however, synchrony takes time to post to whoever dates they please, and probably for that reason the predatory late fees are on my account. 

I tried to speak and explain to XXXX XXXX XXXX and XXXX XXXX, a representative from the company and what he did was close the chat and refused to help me and look for other better solutions without the predatory fees, but in the end, this is what they do to steal money, charge late fees to keep the account up and the customer never end up paying the whole account for that reason.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (WA)

I recently received a XXXX license in the mail that I didn't request with updated personal information that is not correct or matching my existing XXXX , that has been reported to the DOL, FTC and Police. Some one had gotten into my on-line Bank account and updated my password, email and phone number. I received several denied requests to open bank accounts and credit accounts, and then I received a new card from " Cash App '' with my name on it, but I never requested it. I was unable to call and speak to anyone, it requires I give them the email, info, or supply additional information to speak to someone. 

I am positive this was opened by this person, the card seems to be used for cryptocurrency, etc. I want to make sure no transactions are happening with this tied to my identity or accounts.
Consumer complaint received 2018-06-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (OH)

My husband and I took out a car loan with GM Financial. Early this year, XX/XX/XXXX, we noticed that the company was not reporting our account information to the credit bureaus. They stated that they were " switching systems '' and could not report to the bureaus. I called several times over several months trying to find out when this situation would be corrected. The company, finally reported some information in late XX/XX/XXXX or early XX/XX/XXXX because I adamantly requested that they manually update the credit bureau. We thought that this issue was finally taken care of. However, we refinanced with another company at the beginning of XX/XX/XXXX. XX/XX/XXXX is the date that the account, with GM Financial, was paid off. They stated this would be reported on the next billing cycle, which would be XX/XX/XXXX. It was never reported. I have called numerous times in the last month to find out why this has not been reported and when it will be reported. I was told that this would be reported on XX/XX/XXXX. It is now XX/XX/XXXX, and GM Financial stated that they are again experiencing system issues. They are unable to report that our account with them is closed. My credit report still shows that I owe their company a little over {$12000.00}. GM Financial is unsure when they will have a solution to the " system issue '' that is not allowing them to report our closed account. My husband and I are unable to apply for a mortgage or look for another vehicle, because it shows that we are in way more debt than we are. The issues with this company have been ongoing for over 6 months. On top of these issues, the customer service was horribly rude and there was ZERO communication about the lack of reporting or issues that this company was having.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2018-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

On XX/XX/XXXX I attempted to buy tickets from somebody through the XXXX XXXX XXXX  service that XXXX XXXX  offers. I split the purchase into two separate payments so that I would receive my purchased tickets before paying the full amount. After receiving what looked to be legitimate tickets, I sent the remaining amount. After trying to contact the sender regarding an incorrect date placed on the tickets after further review, I received no response and had my number subsequently blocked from calling him. 

I immediately tried to contact XXXX to cancel the payment. They told me that I needed to call XXXX as they can not help me. I then called XXXX XXXX and was told that I would need to start a claim. I started the claim on XX/XX/XXXX and was told that I would receive a response in 3-5 days. After receiving a letter in the mail on XX/XX/XXXX claiming that XXXX identified the transaction as valid and could not refund me any money, I attempted to investigate further and call their claim department. I was told that there was nothing they could do since the transaction was initiated by me. They said I could try to contact XXXX for further assistance, which I subsequently did. XXXX once again told me there is nothing they can do and that I have to settle this with XXXX. After calling the XXXX XXXX   claims department, I asked to speak to someone about my claim who could give me further information about the investigation conducted. I was told that their investigation process involves trying to contact the receiving bank which they were not able to do successfully and thus can not refund me any money, even though this was a criminal act. 

I will be filing a police report since XXXX XXXX  is unable to assist their customer with his scammed money.
Consumer complaint received 2018-06-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I called Transunion/XXXX to dispute incorrect information in my credit file and they refuse to let me dispute the false information. They never sent me a frivolous notice stating that my disputes are frivolous. Even though this is a new situation I'm disputing Transunion/XXXX  still denied me the right to dispute inaccuracies in my credit report. My credit score fell by a 100 points because " XXXX '' keeps sending Transunion/XXXX  negative updates everyday even though I closed my XXXX account. I advised Transunion/XXXX  that displaying false information in my credit file is illegal in the United States but they have the attitude that they are too big to care or they are getting paid by XXXX to display inaccuracies for profit.
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (FL)

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Consumer complaint received 2018-06-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (NY)

XXXX XXXX has made repeated phone calls to several family members and XXXX friends. They already know my direct contact number. They have already spoken to me and my father, who has assured them we are trying our best to fix this. They started calling before I had even graduated. They are aware I do not currently have a job. They call my entire immediate family several times a day for weeks now. Then the started calling my XXXX contacts.
Consumer complaint received 2018-06-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was contacted by XXXX XXXX XXXX XXXX by telephone at XXXX PST on Monday, XX/XX/2018

I informed the original agent and the supervisor who stated that they purchased my account from XXXX XXXX that I owed more than what I originally owed. I do not have access to statements and believe that they were giving me false information over the phone to induce me to pay the amount owed. It is my belief that the balance owed is far less since the account was a secured line of credit. I offered to resolve the the debt if they would be reasonable about the amount. However this was not the case. I was told that this would remain on my credit report until I settled the debt, of which I still believe is the wrong amount.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WA)

US Bank purchased my mortgage from XXXX XXXX. With XXXX XXXX, we paid the yearly insurance and property tax ( escrow ). US Bank set up an escrow account and raised our monthly payments at an amount of twice the known amount of taxes and insurance, refunding us XXXX dollar for XX/XX/XXXX. For the year XX/XX/XXXX, our taxes and insurance increased by XXXX dollars.  US Bank increased our escrow to reflect the Exact amount needed for taxes and insurance ; however, decided to charge us an additional XXXX dollars a month to " build in a cushion. '' After being hung up on, transferred and speaking to two different supervisors in two different departments, they both told me that " it is their right '' to " build in a cushion ''. How is it ok for a bank to force me to pay them " cushion money '' when I already pay them interest on the loan. Of which a loan that I never applied for with them. XXXX XXXX   did not have a " cushion '' requirement in their mortgage agreement, how can US bank purchase the agreement with no notification to me and modify the original agreement without my consent. When I asked to pay my own escrow account, I was told that I would incur a fee of one percent penalty of the original loan amount. They raised my monthly payments by XXXX  dollars a month for a XXXX dollar increase in escrow. I have made two requests for an itemized explanation and both times I was informed that it was sent out " a month ago. '' They have my mortgage, so I know they have the correct address ; however, I sill haven't received anything in the mail except a new bank statement demanding additional money and an outline of penalties if I send them my money late. How it is legal for a bank to extort money for a " cushion '' because its " their right '', in the mean time they build interest on my money, only to send me a check for the extreme overpayment, several months after the close of the fascial year. Had I known US Bank was going to buy my loan, I would have immediately refinanced when the interest rates were still low. Now my only options are 1 ) refinance at a higher interest rate and pay refinance fees. 2 ) stay with US Bank and continue to have them increase my mortgage for their make believe " Cushion '' 2 ) Pay US Bank a ridicules fee for the privilege to use my own money to pay my taxes and insurance. The most frustrating part of this is how smug US Bank customer service is, telling me it is " their right '' to simply charge me a " cushion. '' I have never missed a payment, I have even made extra payments. I even have a credit score of over 800.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2018-06-15
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (CA)

On XX/XX/XXXX I was notified by my credit monitoring service that I new collection by the name of XXXX XXXX XXXX  had reported a collection account for {$10000.00} on my XXXX and XXXX credit reports. This has caused significant damage on my credit report. The alleged original creditor is XXXX XXXX XXXX XXXX, which was a XXXX School shut down by the federal government in XX/XX/XXXX for several fraud allegations. I attended this school in XX/XX/XXXX, well over 7 years ago.

There would be no reason for me to owe this money to this defunct school, and even if I did it would be over 7 years old and therefore unable to credit report anymore. Either way, any way you look at it, this credit reporting of this purported debt is invalid and a blatant attempt to extort me out of {$10000.00} - as the timing of this credit reporting could not be any more damaging to my credit score.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (DC)

Hello - This is following up with another complaint about complaint XXXX filed on XX/XX/XXXX. Navy Federal Credit Union did not respond to let me, or the CFPB, know when they allegedly told me I owed them {$12.00}. I never received an email. I never got a text. I did not receive a phone call. I was never sent a piece of physical mail. It is the law that Navy Federal must contact someone if they claim they owe money. I was never contacted. All of my documentation - 20+ pages - of records of phone calls, mail scanning, etc is all attached to the first complaint. Navy Federal never told me I allegedly owed them XXXX and so they reported it to the credit bureaus and ruined my credit. Now I can not buy a house. 

See the complaint response from Navy Federal below. I called them yet again today ( XX/XX/XXXX ) at XXXX ( XXXX ) and was eventually transferred to a supervisor. After telling him of my problem and how I've never been told when Navy Federal let me know of this XXXX I owed, nor did they address it in the CFPB complaint, he hung up on me. So it seems you definitely can not contact that XXXX number at anytime as no one was able to assist me and when I got someone on the phone, he hung up. 

THE ORIGINAL COMPLAINT RESPONSE FROM NAVY FEDERAL BELOW. NOTE THEY NEVER SAY WHEN THEY LET THE CUSTOMER KNOW OF AN ALLEGED XXXX DUE. THAT'S BECAUSE THEY NEVER LET THE CUSTOMER KNOW BEFORE REPORTING THE XXXX TO THE CREDIT BUREAUS AND RUINING HER CREDIT SCORE The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of Navy FederaXXXX member XXXX XXXX XXXX. The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show that on XXXX XX/XX/XXXX, our member made a payment in the amount of {$3900.00} to her credit card account ending in XXXX. Our members credit card statement issued on XXXX XX/XX/XXXX indicated a balance of {$12.00} due by XXXX XX/XX/XXXX, and the payment was not satisfied until XXXX XX/XX/XXXX. The account is closed and has been paid in full. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX Navy Federal credit card account. We will not request the removal of valid data from her credit file. Should XXXX XXXX have any questions, she may contact us toll-free anytime at XXXX ( XXXX ).
Consumer complaint received 2018-06-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Phoenix Financial Services LLC (CA)

My minor child was seen in an emergency room visit and on the date of service the emergency room admitting person was provided with medical insurance cards including an active no copayment XXXX account card. According to what I have been told despite repeatedly giving them the information by phone and in writing in addition to having provided the information at the time of service they have not properly billed XXXX  and continue to harass me and forward my information to debt collection agencies.