davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I am an authorized user on my ex-husband 's XXXX credit cards, XXXX with XXXX and XXXX with Capital One. He has called each of these companies and asked that they remove me as an authorized user multiple times since XXXX, each time they assured him that I would be removed. I refinanced my truck in XXXX XXXX and they told me his accounts were still showing on my credit report. My credit score was XXXX at that time. I never applied for any credit after that, but I pulled my free annual credit report in XXXX and saw that his accounts were still on my credit report. He called the companies again, and was assured that I 'd been removed. In XXXX XXXX I applied for a mortgage loan and discovered that his accounts were still on my credit report, and by then my credit score had dropped from a XXXX to a XXXX. He called the companies again, and was assured that I 'd been removed. Now I just re-applied for a mortgage loan and discovered that his cards are still on my credit report, showing me as an authorized user, and because my ex-husband has gone over the credit limit on XXXX of the cards and has a past due payment on XXXX of them, and has over 30 days delinquency on the other card, all of those factors have negatively impacted my credit score significantly. My credit score has gone down from XXXX in XXXX XXXX to now a XXXX in XXXX XXXX. I do not have any negative items on any of my accounts that I have ever had in my life, or on any of my current accounts. I have never had a late payment, over credit limit, nothing negative whatsoever, my credit was impeccable. And now, because these companies have repeatedly ignored our requests to remove me from his cards as an authorized user, my credit score has dropped significantly and now I ca n't get a home loan. I want XXXX and Capital One to remove me as an authorized user immediately and I want them to restore my credit score back to where it should be.
Consumer complaint received 2016-11-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation (NC)

XX/XX/2016 To Whom It May Concern : Please note that in XX/XX/2016, I called Fortiva Personal Loans and requested that my due date be changed from the end of the month to the XXXX. I got an acknowledgment that it was done, yet they have been harassing me and also reported me delinquent on my credit report based on the original due date. I have tried to contact them a few times but there always seems to be a language barrier. I am requesting that my due date be honored for the XXXX of the month and that my credit reports are corrected. Please see attached documentation that indicates that they are inaccurate for the due dates. 

Thank you, XXXX CC : XXXX FTC Attorney General of XXXX
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (PA)

I signed up for nationwide biweekly mortgage payment plan. This is a service provided to reduce the interest and length of my mortgage. There is a fee taken for this service initially equal to XXXX payment. I received a letter that they are no longer able to service my, or any, of their customers mortgages. I have received no reimbursement, no reply by phone. It is as if they have vanished. The phone number to call is an automated message with no operators
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Unfair Credit Reporting Practices by Capital One Despite Willingness to Pay in Full Complaint : I am writing to express my frustration and disappointment with Capital Ones handling of my account. My initial debt was {$300.00}, which I attempted to resolve through a settlement offer after filing a complaint with the XXXX XXXX XXXX. However, I have now decided to pay the full amount of {$480.00} to completely settle this matter. 

Unfortunately, when I reached out to Capital One to discuss my options, I was treated dismissively by their representatives. They informed me that even if I pay the full amount, my account will still be reported to the credit bureaus as charged off, regardless of my efforts to fully satisfy the debt. This refusal to reflect my payment accurately is not only unfair but is also causing me severe emotional distress. 

I have been working tirelessly to rebuild my credit because I am in urgent need of both a car and a house. However, Capital Ones unwillingness to report my account as paid in full or to consider removing the account entirely from my credit report is severely hindering my progress. I feel as though I am being punished, despite my willingness to fulfill my financial obligations in good faith. 

This experience has taken a significant toll on my mental health, leaving me anxious and worried about my future. I feel trapped in a situation where my efforts to make things right are not being recognized or respected. It is disheartening that Capital One treats customers like me, who are trying to resolve their debts responsibly, with such disregard. 

Thank you for your attention to this matter. I hope the CFPB can assist in addressing this issue fairly.
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My current first mortgage is serviced with Specialized Loan Servicing, LLC. My monthly mortgage payment is {$720.00}. Up until XX/XX/XXXX I have been current with my payments. In the beginning of XX/XX/XXXX. my car broke down requiring repairs, then I had a water pipe burst in my attic causing {$6000.00} property damage and resulting in an insurance claim. In the middle of XX/XX/XXXX., Hurricane Irma came through FL ( where I live ) and we evacuated. When I returned home a tree branch had fallen on my roof causing damage and requiring a new roof. Approximately the week of XX/XX/XXXX I received a call from SLS stating they were reaching out to their FL customers that may have been affected by the hurricane and had been approved to offer a 3 month mortgage payment deferment, which would defer the payments to the end of the loan. They had received government approval to do this to provide relief to those of us affected by the hurricane. I grilled them on this for almost ten minutes to confirm that this was not going to mean I had to come up with all of the payments in 3 months because there would be no way I would be able to. ( {$2200.00} ) Well, the third week of XX/XX/XXXX. I received a bill from them for {$2200.00}. I owe them ( of course ) for the XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX. payments. Now I find myself 3 payments behind and owing them that much $ . They insist I misunderstood ; however, there is no way I did because I clearly stated I could not agree to this if they were going to ask for them at the end of the three months. I also had this discussion with my co-worker and mother after I received the offer and was telling them how grateful I was. I certainly would not have done that had I known I 'd need to come up with {$2200.00} in 3 months! I just would not have taken the offer. It does not make any logical sense. I had so much money going out for house and auto repairs and then XXXX bills from sick pets! When I searched the internet I found they did this to several other people that reported it online as well. Clearly this violates some kind of lending practice? Of course it 's also being reported negatively on my credit report. I agree I owe the money ; however, THEY reached out to ME and offered this service and now I 'm in a position I would not have been in.
Consumer complaint received 2016-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (MN)

My daughter has a Sallie Mae federal loan. She is two weeks late in making her payment for XXXX. I have talk to a rep at Sallie Mae explaining why XXXX is late and told them I would let her know that she has two more days until her loan goes into collections. I have communicated this information to my daughter. We are both still getting two to three robo calls per day since the conversation with the Sallie mae Rep. I 'm even getting them at my work number. This is bordering on harassment. When you have been in communication with them why do they need to continue to call excessively?
Consumer complaint received 2015-04-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (SD)

On XXXX XXXX my bill pay service sent a payment of {$22000.00} to Chrysler Capital. These the pay service says the payment should be there with in XXXX days. Every previous payment to Chrysler financial were processed within XXXX days. Oddly the early payments were processed after XXXX of the month when payments sent as early as the XXXX. After XXXX business days of the last payment, it still was not applied to my account at Chrysler Capital. I called my bank and Chrysler Capital to find out why it has not been processed. This payment was a e-check and are received the almost immediately by the the place receiving the payment. Chrysler Capital said they never received the check and the bank service could not understand why, since all the previous checks were accepted. Chrysler Capital should be able to have any payment processed within XXXX business days of receipt. Today XXXX XXXX the check was process, after Chrysler Capital reported to the bank the form of payment was unacceptable for a pay-off. My bank absorbed the cost of stopping the check, XXXX houring of delivering a new check, and is having there payer pay the additional daily interest accumulated since the day the original should of been process. It appears that from past transactions that Chrysler Capital is not processing and checks till XXXX days prior to due date. Frauding there customers by charging more daily interest on the account. That is almost {$6.00} per day on this loan, frauding me XXXX of dollars on this loan. The could making XXXX of dollars extra on customers by not properly posting payments in a reasonable amount of time. Plus it more concerning since the same group that owns Chrysler Capital owns XXXX. Thank you XXXX XXXX
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

I had financial and mental set backs upon returning from the military. I had multiple credit cards through USAA. I fell behind and they were eventually closed. The time came to purchase a new house and even though they were closed they effected my credit. I contacted USAA directly and they said they do not deal with closed credit cards. 

I confirmed the holders of the debt and reached a settlement with them.I paid a negotiated price on XXXX XXXX with two separate companies. One company by debit card and one by check over phone. I got confirmation for the debit payments XXXX XXXX and on the check by phone XXXX XXXX. The amounts were XXXX, XXXX, XXXX, XXXX, and XXXX. 

Once I got these letters I contacted USAA again. After being on hold for over 30 minutes they said they had to send it to some back office and there was no way to expedite or check up on the processes. They gave me a time frame of 2 weeks for this to be updated. 

During this time I submitted for a rapid rescore. Having given permission to USAA to share my information with all 3 credit bureaus on my initial phone call as advised there should have been no problem. The rapid rescore comes back and says that I must call and give permission. I tried again and my credit still reflects these balances. 

The rescore did nothing. It has now been 6 weeks since paying and receiving letters stating these accounts are resolved and settled in full. 

I contacted USAA again before escalating to this level. I was transferred multiple times and when it sounded like I may be on the right track I was to be transferred again. Instead I was hung up on. I called back AGAIN. I requested to be transferred to the department was met with an astounding array of security questions that I even did not know some of. Was told I needed to be transferred placed on hold again. Hung up on again. I did not want to go this route but this appears to be my only option. USAA up to this point has been an amazing organization and I believe in their philosophies. This is ONLY to do with their 'charge off ' department. 

**Please note that some of the documents are password protected. The password is XXXX
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX, 2016 I mailed a " certified mail receipt '' letter to the Annual Credit Report Services, XXXX. XXXX XXXX, XXXX, GA XXXX. In this letter I requested each of my credit reports, and provided documentation of denials of credit that I received after attempting to purchase a vehicle for my grandson. My letter was explicit and there should not have been any problems with my request. I provided all of my contact information. 
As of today, XXXX XXXX, 2016 I have not received a response from this agency and I am concerned about identity theft. I gave them so much information as a means to identify the validity of my request. 
This morning, using the tracking number of my certified mail receipt, I was alerted that my letter was delivered at XXXX., XXXX XXXX, 2016. This is unprofessional, to say the least. 
I have in the past had similar issues with them. It makes me extremely suspicious, because I am disclosing so much personal information that can be used to steal my identity. 
AUTHORIZATION : I have checked the box below. However, I DO NOT WANT MY NAME published. Thank you.
Consumer complaint received 2016-05-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: STATE FARM BANK, FSB (OH)

I was involved in an automobile accident where XXXX. I contacted my insurance agent to find out what my options were as far as repairs were concerned. They told me that my comprehensive coverage would pay for the repairs and my out of pocket expense would only be {$50.00}. When I picked up the vehicle for the repair shop, I was told that it was covered under my collision coverage and not my comprehensive. Therefore, I had to pay {$250.00} out of pocket instead of the {$50.00} my insurance agent told me. 
I contacted the claims office and they notified me that under my policy, this was correct. If I had hit a deer, dog, or other animial, it would have been {$50.00} but because I hit XXXX at no fault of my own, I had to pay out {$250.00}. I was lied to and misled by XXXX and the people I pay each month to know my insurance policies inside and out.
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (OH)

We have been enrolled in the Nationwide Bi-Weekly Administration ( NBA ) Interest Minimizer program for over 3 years. On XXXX XXXX, 2015, we noticed that our bi-weekly draws for our mortgage payment had not been completed, as scheduled with NBA. Upon contacting NBA, I was informed that all of their accounts had been suspended, and that we should have received an email in XXXX informing us of the situation. We had not received such an email. An NBA representative informed me that I should continue to make my mortgage payments to my financial institution on the normal bi-weekly schedule. I contacted the financial institution, and they said it was impossible to make bi-weekly payments to them. We would need to make XXXX payment per month, as before. Had this not came to our attention through our own personal accounting, we would have not known to send any payments to our mortgage lender, and would have ended up in default. On XXXX XXXX, 2015, I discovered, through an internet search, that the CFPB had filed a federal lawsuit against NBA, due to their ongoing dishonest practices against their customers, like ourselves.. My wife and I are asking to be included in that lawsuit as a plaintive, and to be eligible for any and all compensation that may be due my wife and I as a result of the current court proceedings, as we too have been deceived by believing that we were " ... saving thousands of dollars '', by allowing NBA to handle our mortgage payments. When, apparently, that is not the truth.
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I had XXXX large automatic drafts occur unexpectedly over a holiday weekend, this caused my account to not have sufficient funds available for swipes that occurred over the holiday weekend ( XXXX ) .I called the bank immediately after realizing the situation and plead my case asking for leniency and help with reversing some of the $ XXXX in overdraft fees alone. explained that I have been a customer at this bank ( regions ) for over 13 years and needed some assistance due to my financial situation. I then spent the next week making frantic transfers anytime my account was in danger of being overdrawn only to get hit with XXXX more overdraft fees when the sequencing of posting was off by who knows what. again I called the bank to try and determine what happened once again plead my case and ask for leniency to no avail.
Consumer complaint received 2016-05-19
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

XXXX leased a XXXX from XXXX XXXX XXXX in XXXX, NJ. Ally Bank financed the lease. XXXX turned the car in to XXXX XXXX XXXX in XXXX XXXX, NJ because I leased another car. Sales person checked the old car out for damage and called Ally for payout figure. I agreed to damages totaling XXXX for the front bumper and on XXXX/XXXX/14 my daughter sent a check for that amount to Ally Bank. Ally is looking for an additional XXXX for damage to the left front fender that was not there when I turned the car in. My daughter, XXXX XXXX, has made numerous attempts to resolve this issue but Ally refuses to speak with her. I am hard of hearing so I sent Ally a letter giving them permission to speak to XXXX but they refuse to talk to her.
Consumer complaint received 2017-11-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SYNCHRONY FINANCIAL (UT)

XXXX/XXXX is reporting inaccurate information on my credit file. They are reporting a balance of over {$8000.00} and I had the balance down to {$1000.00}. How could it now be 8x the amount I had owed/paid it down to? When I call them nobody can access my account. Nobody can help me & they just transfer me around. This is old & erroneous. How can a company just charge whatever they want!?
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted the Bankruptcy court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my report.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Carter-Young, Inc. (TX)

I lived in an apartment, called " The XXXX '' in XXXX, VA. I fell behind in payments. I began to catch up with them on terms with XXXX specific person XXXX XXXX XXXX XXXX. That person left the company. I made other arrangements but that person also left the company. An agent from Carter-Young contacted me and I began to dispute the amount that was said I owed while agreeing to start paying off in the process. The agent XXXX XXXX XXXX ) I worked with did not put my information into dispute and also wanted me to pay a higher amount every month as she was not satisfied with me paying the minimum. She then threatened to put it on my credit report as someone who was not paying anything, then hung up on me. I called back attempting to converse about what was going on and to speak to a manager, she said everything was fine and would not transfer me. 
Less than a week later it showed up on my credit report and with a higher balance. I then called the main number to reach a manager because the agent would not transfer me to or get the attention of her manager for me to speak to. 
Speaking to the manager, the manager said the best thing to do is send in all of my proof that the balance was off, then she forwarded it to corporate of " The XXXX ''. 
The XXXX ' XXXX XXXX also asked me to send the information, but then disregarded it and said that all of the paper work did not match what they have and that it was therefore dismissed. I have papers from the court saying that I paid and even the proof that I had been trying to pay until each mishap and they continue to leave the same balance on my credit report and are blocking me from doing anything, as they keep placing derogatory marks on my credit report.
Consumer complaint received 2015-03-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I have a auto loan with Santander Consumer located in XXXX Texas. Each month I sent them two payments which equal to one month payment. One half of my payment is mailed in the first week of the month and the second half of the payment is mailed out by XX/XX/XXXX.My payments are {$320.00} the due date is the XXXX of each month. 
XXXX stated they received first half of my payment on XX/XX/XXXX and therefore I am always late. According to them my second half is always late. 
Today I went on line to check my account again they stated they received only one payment on the XXXX.I asked if that is true, WHY IS MY BALANCE STILL THE SAME AS LAST MONTH? ( FROM WHEN THEY RECEIVED A FULL PAYMENT IN XXXX and XXXX in XXXX? ) XXXX is not being candid with me and they are not recording my payments and balance. I DO N'T KNOW WHAT ON MY CREDIT REPORT. I do know If XXXX keep recording me as late it will reflect my credit.
Consumer complaint received 2017-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A company named XXXX is harassing myself, my husband and my parents, claiming that my husband owes XXXX to Bank of America from 2004. They have threatened to take him to jail, they said theres warrants for his arrest, they call from several numbers from different states in USA. I spoke with XXXX XXXX and he was unprofessional, says they legally do not have to provide original documentation for debt, and said he bought the debt on a spreadsheet for pennies and is going to sell our information to someone else. He knew my name, address, license number, dob, etc. He said the calls are not going to stop no matter what you do. They refuse to stop harassing us even when I have stated this is not a valid debt, and have requested original documentation to show validity of the debt.