davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

THE BANK OF AMERICA SENT ME A BALANCE TRANSFER OFFER FOR INTEREST FREE AFTER A % FOR TRANSFER. THEN WOULD GO TO XXXX. THEY NOW ARE SAYING THAT THEY ARE CHARGING ME XXXX WHEN OFFER RUNS OUT ON XXXX/XXXX/2018 THEIR REASON THEY SAY IS BECAUSE IT WAS ROUTED TO MY ACCOUNT. THE ACCOUNT HAD A OVER DRAFT BALANCE OF AROUND 46,000.00 BALANCE .SO OTHER WORDS IF THEY SENT A CHECK LIKE THEY HAVE DONE PRIOR IT WOULD HAVE STAYED AT XXXX. BUT BECAUSE THEY USED A ROUTING NUMBER TO SEND THE MONEY IT DOES NOT. SURLY I WOULD NOT HAVE DONE IT IF THEY HAD TOLD ME THAT .I WOULD OF JUST HAD THEM SEND THE CHECK.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC. (NH)

Since XX/XX/year> a merchant, XXXX XXXX XXXX ( XXXX ), has attempted to process seven refunds to my Santander Mastercard related to merchandise not received or cancelled from two transactions. Per information provided by the merchant, these refunds have been declined by Santander. XXXX has provided documentation supporting the refund declines to me, and I have forwarded this information to Santander. 

Over the last several weeks, I have placed numerous calls to Santander attempting to resolve this issue. As of XX/XX/year>, per discussion with Customer Service Department Supervisor XXXX, a request regarding this matter has been sent to the Card Maintenance Department, which has yet to respond. I was first told this matter has been sent to the Card Maintenance Department in a discussion with a Customer Service Department Manager on XX/XX/year>. Based on today 's discussion with XXXX, it has been nine days and this internal department with Santander has yet to provide requested information.
Consumer complaint received 2020-11-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

My late husband was an inpatient for a week at XXXX XXXX XXXX in XXXX California. This occurred in XXXX. He had arranged to make payments to the XXXX XXXX XXXX Billing Department and was making payments. He died on XX/XX/XXXX and I, his widow, tried to make payments. I have been having a hard time doing so. I was contacted by Progressive Management Systems XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX to pay the bill ( which increases due to interest rates ). I tried to negotiate a settlement with PMS but they said XXXX XXXX XXXX does not accept settlements. We are all having problems during this COVID crisis. I found out that due to California law I have to pay this debt. This collection agency is being hard nosed about working with me. I can't make the 3 monthly payments they demand ( {$510.00} ) with a {$2000.00} down payment. The bill is {$3400.00}. I don't want my credit ruined by this collection agency. These people won't work with me. I need your agency 's help with this matter.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I recently requested a copy of my credit report from all three credit bureaus. When I received the report from 2 of the 3, I saw that they had some false information on it so I wrote my first dispute letter requesting documents they had to validate these debts. Some of the items were removed and others werent. The item Im referencing now is with a collection agency called XXXX XXXX XXXX. It was for a school that I never attended. I have asked for proper documentation with two different dispute letters but the credit bureaus nor the collection agency will comply. If they cant provide me with documentation of this debt then it needs to be removed from my credit report.
Consumer complaint received 2018-01-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Ad Astra Recovery Services Inc (NV)

OnXX/XX/XXXX I called XXXX XXXX store # XXXX @ XXXX. In reference to a title loan that 's currently on my credit report with Ad Astra Recovery Service @ XXXX. I called ad astra to inquire about them removing said accounts from all 3 Bureau bc the vehicle was towed, sold and a lien release was giving for the title. While my account was n't updated with transfer of sold vehicle. Mean while Ad Astra Recovery stated, " they no longer had my account it was referred back to title customer service @ XXXX  or customer relations @ XXXX XXXX Which never udated my account to different status or collection agency. Ad Astra also informed me that they cant keep the collection account for over 181 days. On XX/XX/XXXX I recieved a call back from " title customer service '' stating debt was still owed whether they have my Collateral or not. She also implied that their were 6 outstanding loans on this vehicle totalling over 6,000.00. I replied to her I never got more than 2,000.00 in any of those title loans and that their is fraudulent activity going on at XXXX XXXX i.e to all the title loans or bank loans associated with my account at XXXX XXXX store # XXXX. I ask the representative to please remove ad astra from all 3 bureau and she declined. Bottom line is ad adstra no longer has my collection account and I want it removed or with an updated balance from when the car was sold by XXXX XXXX in XXXX XXXX. They housed the vehicle for 2 yrs b4 it was sold so it should mean that XXXX XXXX XXXX owes XXXX XXXX the Title, my guess. Lastly the only reason why I knew the car was sold in XX/XX/XXXX. Ironically, I recieved an inbox from XXXX XXXX of the buyer of my XX/XX/XXXXXXXX  asking if I had the original key to the vehicle to get the trunk opened. The loan number that was giving reflects my credit report and Ad Astra Recovey Service no longer has Responsibility to hold my account as a debt. I am all out of options and in desperate need of help. Thank you in Advance.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I represent my client as her POA. My client received her house in her divorce agreement from her ex husband in 2011. As per the court documents and order, the property tax, title, and town records have all transferred to her name. The mortgage was in the ex 's name, and she did a loan modification 5 years ago. She couldn't refinance as her credit score was poor at the time due to the divorce. During that loan modification, the bank did not list, or take any information from the ex husband. It was supposed to be " Assumed '' by her. When my client received her first payment request, she noticed the ex 's name was on the payment request. She immediately contacted them, and they said it will be corrected within the next 30 days. My client continued to pay her mortgage, and has never missed a payment in 5 years. 5-years later it was sold to another bank, and now serviced by SPS ( aka SP Servicing ). We contacted SPS, they said this was a simple process, and we just need to complete a form, which happens to be a new loan modification. We spent hours on the application, spoke with XXXX, XXXX, and XXXX at ext XXXX, provided all the documents, and we were told to wait. When we called back a few days later, we were told under no uncertain terms, we are not allow to have a current owner " Assume '' the loan if the she is one of the original owners. 

All we want is the Ex off the paperwork. 

We tried to contact the owner of the loan, but were told it was XXXX XXXX, and then a trust, and then XXXX XXXX, but they will not address anything, only the servicer. 

My client can't refinance, which is another option, as her credit score is not good due to the loan modification being on the credit report 5 years ago. 

We are looking for help. Maybe it is as simple as having SPS allowing my client to 100 % assume the loan from her ex. Maybe SPS should have done their due diligence to check that the proper owner is on the mortgages they took over from previous servicer. Maybe someone can tell us who actually owns this loan. 

We look forward to your positive response.
Consumer complaint received 2020-11-19
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. (TX)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2020-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I sent a dispute to Trans Union LLC on XXXX XXXX. It was sent by Certified mail with a return receipt. It was stamped as received by Trans Union LLC on XXXX XXXX. I have still yet to receive a response to my dispute. I feel like my rights under the FCRA have been violated due to their disregard for federal law.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (UT)

Enhanced Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid the debt off. i never received any phone calls, collection notices, or letters and I'm pretty sure that violates my 30 day right to dispute.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

I paid the card off in XX/XX/2020, they sent me a refund check for over payment on XX/XX/XXXX for {$150.00}. I was later ask to pay a different amount because they sent the wrong amount to me, yet I could not access the account because they closed it due to being paid off and the company went out of business. Now they have harmed my credit and refuse to work with me. They just sent the first bill yesterday XX/XX/XXXX saying I owe them money again, said I have missed payments and have late fees on a balance I was never shown how they got to.
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C/C Financial (GA)

Merchants preferred lease took money from my bank account without my knowledge or consent. I have been trying to contact them regarding the payment that I made that is not on file in their records. I paid them {$300.00} but every time I check my mailbox there's a bill for that month but I already paid. When I call them I always get a fake email address every time I send an email to this address, an email comes back as " unable to send '' because it's not a real email address. Merchants preferred leasing is affiliated with XXXX  XXXX XXXX and XXXX.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

Citibank decided to close my Mastercard account and freeze my card. This renders our cardholder agreement null and void. However, CitiBank has increased the monthly payment on this account citing the cardholder agreement, and then changed the cardholder agreement after they closed my account. Citi chose to close this account without my knowledge or permission, and without " contacting the cardholder and attempting to resolve the dispute '', and therefore the cardholder agreement is no longer effective. In addition, I do not agree to any changes to the " cardholder agreement '' after my account has been closed. Citi Bank needs to lower my monthly payments back to what they were when they closed the account and froze the card, and to the original cardholder agreement.
Consumer complaint received 2020-09-03
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. (IL)

The following accounts do not belong to me, they are a direct result of my identity being compromised. I'm demanding that these accounts be removed and blocked from my credit file 1 ) Public Record 2 ) XXXX   {$260.00} 3 ) XXXX XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX  5 ) Dept of ED/ XXXX  {$3900.00} 6 ) Dept of ED/ XXXX  {$8700.00}
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MD)

Credit collection services : this has to do with a car that was in somebody else name & they keep trying to attached to my name giving that we had the same last name XXXX XXXX XXXX : the account there referring to is past 7 years old past 7 years on my credit I dont wan na this hasnt been removed yet. But it keeping up with a new date. Since think I have no new account with XXXX in perfect standards.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MN)

Beginning with the XXXX mortgage payment, my servicer determined a large shortage in projected escrow and began collecting monthly catchup payments. In late XXXX, I reviewed the shortage calculation and noted that they calculate the shortage due to a property tax disbursement scheduled for XX/XX/2020. However, my county has tax due date of XX/XX/2020. Thus, my escrow shortage was determined to be one normal monthly payment larger than actually required. I contacted my servicer, who indicated that their policy is to pay taxes early. I don't think it makes sense that they can institute a policy that accelerates payment needs to them arbitrarily. My understanding is that under Regulations, the servicer is allowed to keep as a reserve up to two months of escrow payments ; however, by paying taxes early the servicer is able to manipulate and overstate the shortage.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX XXXX billed factitious and erroneous charges to my Barclays credit card I have been trying to straighten it out with them since XX/XX/2019. 
XXXX never returned any calls or emails or written correspondence that I will have documented. 
And Barclays have to ignore me and have been very difficult to fix this terrible problem. I had to hire an attorney for {$3000.00} to fix it. Can never gets back to help me even prior to the pandemic problems. 
I am very upset as I have perfect credit and do not want it to be tarnished because of Barclays ignoring this horrible situation
Consumer complaint received 2020-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

We have a conventional mortgage with Wells Fargo ( WF ) that was established XX/XX/2016. We purchased our home located in XXXX XXXX FL XXXX for XXXX. Since the purchase, we have completed approximately XXXX in significant renovations, some of which was financed through WF, with all hopes of dropping the PMI which averages XXXX a month. In XXXX, WF provided us with options of paying for an appraisal which cost XXXX ; however, it had to be performed by a company of their choice which is also approved by the investor. The first appraisal came back low at XXXX. I followed the WF dispute process which they then adjusted the appraisal amount to XXXX still shy of what we needed to remove the PMI. I feel that the appraisal process is very bias to be in favor of the lender/investor as these appraisers are contracted by said parties and am concerned about the oversight required under an institutions third party risk management framework. I am also concerned that while my appraisal amount was adjusted, it gives the appearance that these amounts are easily manipulated by the " approved '' appraisers. This is very unfair to the consumer. In addition, it is unclear why WF provided home improvement financing options if said products being financed ( XXXX retail private label credit card ) are not worth the value so I would also like this to be evaluated as well. It is very deceptive to provide consumers with financing of high dollar home improvements ( XXXX ) in upgraded windows ) only to find out it does not truly increase the value of the residential property. There are multiple online resources that indicate our home value is XXXX. Iam concerned again about the credit card lending/financing provided by WF as well as the bias mortgage appraisal process and appraisal dispute process that is conducted at WF.
Consumer complaint received 2020-11-20
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: National Credit Adjusters, LLC (TX)

On XX/XX/2019, National Credit Adjusters ( NCA XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

I got behind on my payments after being on time for 15 years. I made my last payment of XXXX in XXXX and XXXX turned it over to Rushmore. With them I filed a loss mitigation form and was accepted. They put my deceased mother on the contract so had to send a death certificate. I received a letter in XXXX saying they received it and then 3 weeks later received a letter saying it was filed. They were suppose to send a new package but still have n't received it and no one can give me an answer when I call. I feel like they are avoiding me, I do n't want to lose my house. I 've called XXXX XXXX who is over the loss mitigation department and is handling my account but she only returned my call one time during my work hrs so I called back and left my cell phone number and she still have n't called me back.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Great Northern Mortgage Corp. (NY)

on XXXX XXXX I applied for mortgage refinance through Great Northern Mortgage Corp XXXX XXXX the name of a person who was handling my file is XXXX XXXX . I submitted all my financial and personal info including my SS, bank accounts, W2, paystubs, 1040. As of today I did not receive any official approval or denial from their side. I believe this company is a fraud, they took my personal information and never provided me with official loan decision and I believe they never submitted my application for review to the bank processing team my consumer rights are violated, I feel discriminated. 
Please investigate
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Comerica (CA)

I am contacting you regarding a debt collection which has recently been reported on my credit record. I am requesting that both The XXXX XXXX XXXX ( a collection agency ), and Comerica Bank remove this item from collection and from my credit report and all banking records immediately and permanently. 
I am not responsible for this item, and it stems from a check which was issued in my name by XXXX XXXX in 2017, deposited in my Comerica Bank account, and was returned by XXXX, causing a negative account balance and major financial complications for me, including overdrawn accounts, bounced checks and payments, etc. I paid all associated fees, but after repeated requests, conversations, and consultations with Comericas fraud department, Comerica Bank failed to pursue XXXX and collect the funds. Comerica Bank instead opted to pursue me for an amount which I never received, do not owe, and am not liable to pay. 
I closed my accounts shortly after the incident, which has been three years, but Comerica Bank created a collection amount on my banking records as well, prohibiting me from opening new accounts at any other financial institution. Both this action, as well as Comerica Banks subsequent sale of the unwarranted debt to a third party is fraudulent, and allowing it to go to collection constitutes harassment and extortion. 
I ask that the Consumer Financial Protection Bureau assist me in removing this unsubstantiated debt and collection activity by The XXXX XXXX XXXX or any other agency.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK (MN)

TCF Bank closed my checking account # XXXX, for a unknown reason, but still hasnt mailed me a cashiers check for the remaining balance in my account which is {$1100.00} from my U.S. Department of Treasury Stimulus Check. TCF Bank is illegally and unlawfully holding my funds in a closed checking account. I dont want the TCF Bank Checking Account. I want TCF Bank to immediately close the checking account and mail me a cashiers check for the remaining balance in the checking account.