davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

financed a car thru santander consumer usa XX/XX/2013 been paying regularly since then got behind once and paid XXXX to get the car back when i was only behind 60 days for a total of XXXX then amounts of money i pay monthly never goes to the principal only on interest the loan was supposed to be paid off in 5yrs now their info says a 7yr loan the balance only goes up never down still owe according to them XXXX checked my credit report now says that its a charge off account and never is paid when i have proof then was pulled over because my car plate and vin has no info and being advised by dmv that santander put a freeze on my vin so i cant get the car plated anymore
Consumer complaint received 2015-06-06
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

My wife and I applied for a loan through Roadloans.com which is owned by Santander USA, we received a loan packet that give a apr of 24 % when I know the maximum loan apr for the state of Pennsylvania is 21 %. How can they get away with 3 % higher than state cap?
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

A company hired to help us raise our credit scores ( which did not happen ) filed customer disputes " on our behalf ''. We are trying to qualify for a new mortgage ( to downsize to a much smaller mortgage ) and need disputes off our credit file. A dispute was filed with Macy 's and I can not reach a live person. The other dispute with CitiMortgage is supposedly being deleted, but we need Macy 's to remove the dispute soon! Their automated " customer service '' is anything but.
Consumer complaint received 2016-09-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (OH)

I refinanced my car, I asked the company would anything change besides the date of the payment and the amount. I was advised no, so I even asked would this have any effect on my gap insurance I was advised no. Well come to find out that was a lie. I got in an accident the care was totaled and the gap I insurance said they would not pay because of me refinancing changed the terms of the original contract. It has been a few years and not M & T bank is calling me saying I owe $ XXXX for the car. When it was totaled out there was n't even that much left in th car I tried expaininf the I was deceived by their company and that the gap should have been added to the new terms but instead they advised me I was still covered. I do not feel I should pay the bases on being lied to. Is there anyone that can help me with this? I asked them how would this effect the gap insurance and they fact that they said it would not effect it and that the car would still be covered if something happens then something happened and the gap would not pay for the outstanding amount.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I opened a Citigold checking account pursuant to a CitiBank offer that promised a bonus award of XXXX XXXX Aadvantage points provided I made a certain amount of online bill pay payments debit card uses within a two month time period. A copy of the offer is attached. I do not recall where I received the offer, whether through CitiBank ( I am an existing credit card customer ) or other place. 

In any event, after opening the account I called CitiBank customer service and confirmed I was enrolled in the bonus offer program. After hearing that other participants in this bonus offer were denied bonuses, I contacted CitiBank again regarding this issue and received an email letter, stating that I was not eligible for the offer. A copy of this letter is attached. 

I signed up using the offer code and was approved by CitiBank, a process that included a credit check from the bank as well as funding the account properly on my part. I have been using the account and have now met the program requirements. 
Nonetheless, CitiBank has denied me the bonus. I believe this accounts to a bait and switch tactic designed to get me open my account, deposit money into the bank and not provide me with a promised reward. 

Can the Consumer Financial Protection Bureau assist me with this complaint so that Citibank provides me the promised XXXX Aadvantage points?
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

XXXX of 2015 I received a statement from Macy 's stating that I owed {$58.00} and my minimum payment was {$88.00}. When I called Macy 's to question them about that the customer service could not help me. XXXX I got a statement saying I owed {$70.00} because there was a {$37.00} fee? I called the home office and talk to XXXX XXXX I asked the account be removed from collection and credit reinstated she informed me that Macy 's does n't make it a habit to pull back a collection or reinstate credit. I once again explained the situation to no avail she said " maybe there was a late fee or something '' I spoke with her approximately three different times with no resolution the statement even shows when payment was made. Macy 's messed up not I,. I said I would pay the {$33.00} I owed but was told to pay {$70.00} I have taken a picture of of Macy 's own website on the date I paid my payment in XXXX it clearly shows that it was paid at XXXX on XXXX XXXX statement reflects that fact. Yet I was charged {$37.00} fee. I 'm not sure how the math works that I owe {$58.00} with a minimum payment of {$88.00} and then the following month I owe {$70.00} none of it makes sense. And Macy 's obviously could make sense of it either or I would have been told it was probably a late fee or something. It 's completely inaccurate and I want it corrected. And XXXX XXXX is of no help. I would hope you could talk to someone else besides her because she is confused and making things up. Trying to protect the company. I will also be filing a complaint with the State Attorneys General office.
Consumer complaint received 2016-07-19
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Liberty Home Equity Solutions, Inc. (MO)

We obtained a reverse mortgage thru liberty home solutions. For the mortgage the lien was to include our home and XXXX acres. We also have XXXX acres that is ajacent to our home. When the lien was recorded it was placed on our home and the XXXX acres. The co.has admitted the error and told us the would rectify the problem, It would take no more than 6 weeks. We started this process XXXX. We were in contact with XXXX XXXX XXXX at XXXX XXXX XXXX she was the only person that could handle our account XXXX she said 6 weeks total time to finish. We called here every week to check on progress and all she would say is it is on somones desk and she can not call them as she has no phone number for the co.only an email address. after 8 weeks she refused to talk to us. We were able to contact XXXX XXXX at annother office and she was able to put us in contact with XXXX XXXX who told us he could take care of the problem that was three weeks ago.The first week he called and said he needed the legal descrlption of the property. He the called and said he had someone, a title company to fix the error. A couple cays later we called him and he said that they would not fix it.Last friday XXXX he called and said he had a new title co.that was going to fix the error. He said he would call us on monday XXXX but as usual he did not call us and will not call us back. We had our properyt the XXXX acres sold and they were supposed to close on XXXX the buyer is doing a XXXX land exchange and stands to be penalized XXXX if this sale is not completed by a certain date on XXXX. We are now at a standstill no one will talk to us they wont return our calls or take their phone when we call. We leave messages but they dont call us back. We need them to release the lien on our XXXX acres and have the lien on our home and XXXX acres as it was supposed to be. The company is now named XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-27
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A. (NV)

I received a deposit of {$50.00} from XXXX XXXX on XXXX/XXXX/2015. I spent a total of XXXX off the card on XXXX at XXXX. I go to the store to make a {$7.00} purchase and my card declined yet i still had a XXXX balance. I called them up they said it was a business/company error my money would be back on the card at XXXX. XXXX comes my money is not there, i call again at XXXX on XXXX/XXXX/2015 they then tell me its my fault and i have to wait 8 days to get my money back. I am so fed up with speaking to these people. How can they just take my money and get away with it. I spoke to a guy name XXXX he claim he was corporate, but there was nothing that he could do. I have to wait 8 days. That money was to be used for bus fare for me to get to work until i got paid I have not been able to go to work or eat because of this situation. It 's not fair. They should not be able to just take my money and not put it back on the card. I do n't understand that. They did the same thing with my girlfriends card but put her money back on the card at XXXX. Please help with this situation.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (NC)

In XX/XX/XXXX my husband and I opened up a Discover credit card..we were never late until our infant daughter passed and we had many unexpected bills to come up. This account got a few months behind and was charged off. However in XX/XX/XXXX the account was paid less then full but {$400.00} ( we owed I think XXXX ). However, DISCOVER are STILL REPORTING IT as past due/late EVERYMONTH even though the amount was " settled for less then amount ''. They have really jacked my credit up for YEARS NOW and we had NO CLUE until recently when trying to refi our house we were told about it! I could not believe this! I do have a letter stating where it was paid in exchange for the lesser amount! I also have the offer letter then sent me as well BUT THEY ARE ILLEGALLY REPORTING STILL that its still " late '' every single month and have done so since XX/XX/XXXX!!! FOR 6 YEARS!!!
Consumer complaint received 2016-06-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK (SC)

I am having problems with a third party using my account without my permission/consent. This is annoying as this problem is constantly. The fraudulent address is Discover XXXX, UT XXXX Discover Bank, Member FDIC. The Payment address which I believe to be the original Discover address is Discover Financial Services, XXXX, IL XXXX
Consumer complaint received 2016-04-22
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

I decided to do business with CarHop located in XXXX, IL. They financed a XXXX Chevrolet XXXX on XXXX XXXX, XXXX through Universal Acceptance Corporation. Within a month I began to experience troubles with the car and it became unsafe to drive. I took the XXXX Cavalier to CarHop on XXXX XXXX, XXXX and they took the car back and put me into a XXXX Dodge Stratus. I was not required to pay anything for them to put me into another car. Here I am XXXX XXXX, XXXX and my credit report has a derogatory mark on it from Universal Acceptance for an unpaid balance for {$52.00}. I have contacted the company and they stated they can not tell me why I have the balance and all they know is that their records show I have a balance of {$52.00} remaining on the XXXX Chevrolet XXXX. This is ridiculous. For an amount that small if there was a balance on the car at the time of the trade-in the sales representative at CarHop should 've informed me about it. I should not be held responsible for an error on CarHops end. The sales rep failed to mention anything about a remaining balance. And ultimately why should I pay a balance on a car that broke down, had car troubles, and was unsafe to drive all in a months time span.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (TX)

This is about my Credit Card issued by Discover Finance Services ( DFS ). By chance, I logged on to my account online and found a message that a company 's data breach had compromised my card. Although DFS contacts me by email or phone text for other concerns, I had not received any other notice of this problem which included cancelling my present card. There are two problems. 
First, they REFUSE to tell me what company 's data was breached causing this problem. They claim they can not reveal this information due to an ongoing investigation. 
Second, they list a company, " Order Channel, '' as an automatic charge on my card. I do not recognize this company and they can not identify the company either. They claim that I must have used this company at some time. An internet search does not locate a company with this name and it may be a fake company that has infiltrated DFS. 
The representative I chatted with about this today was not concerned about this unknown company. 
There has been a data breach and DFS is hiding it. 
They refuse to identify a company that they are possibly sending money.
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: URS Holding, LLC (MI)

Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with Enterprise Recovery Systems which began reporting on XXXX 2015, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XXXX. This debt is from XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to Enterprise Recovery system on XXXX if all debts were discharged on XXXX. Thus Enterprise Recovery Systems has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and enterprise recovery system and they are refusing to delete.
Consumer complaint received 2016-08-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

I bank with XXXX. They set up an electronic payment to make my mortgage payment to my lender. But they set up wrong information and sent the payment to Loan Care XXXX XXXX XXXX XXXX. I contacted them on XXXX XXXX, 2016 and got a ticket number. I called them on XXXX XXXX, 2016, and the money still had n't been refunded. I sent them all the paperwork from my bank proving that the money went out to them and they are still refusing to refund the money. I do not have any loan with them. Can you please help me?
Consumer complaint received 2015-11-05
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Resources, Inc. (TX)

On XXXX XXXX, 2015 I received a copy of my XXXX credit report. I noticed XXXX collections from Collection Resources INC XXXX NM XXXX Phone : XXXX ( XXXX ) XXXX I called XXXX on numerous occasions and disputed these items, however they did not remove them. On XXXX XXXX, 2015 at approximately XXXX I called Collection Resources INC and spoke with XXXX and she stated I only have XXXX account with them. The account number is XXXX and stated that the other account was the same XXXX. The other account number is XXXX. The same debt is reporting on my credit report twice. XXXX informed me that the collection agency does not speak or communicate XXXX. When I spoke to XXXX they informed me to contact the collection agency. No one has given me a correct answer, and XXXX parties have failed to Validate these accounts. This account must be removed due to the fact its reporting twice.
Consumer complaint received 2017-03-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (TX)

I attempted to deposit cash approximately {$100.00} into the at the BBVA branch at XXXX XXXX XXXX, XXXX, TX, XXXX on XXXX XXXX. The machine took the cash and then showed a screen that stated " We can not process your request. '' It did not then return my money, and I have not been credited for the deposit.
Consumer complaint received 2017-01-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Debtor ARS-Account Resolution Service : Receipt of written notification of the debt had a date of XXXX/XXXX/2015. I called, plus submitted written requests for validation of debt on XXXX different occasion. These requests were not honor, due to either they were unable or unwilling to provide all necessary documents to support their claim. Due to their noncompliance of honoring my written request for sufficient supporting documentation, I could only assume that my records were correct and that this debt was already paid in full as my records indicated. I then proceed to mail and file a dispute with the XXXX major creditor bureaus regarding this issue. The credit bureaus did removed this debt from my credit reports at XXXX point, but ARS has now put the debt back onto my credit reports. I called XXXX today, XXXX regarding that the debt is back on my credit report once again, which they are re-filing the dispute again. XXXX had already placed in the comments, that I had disputed this debt. But it appears that they, ARS, are continiunally updating it monthly as not paid. In the mean time, there has not been any written correspondence and/or communication from them to me regarding this debt. But they have placed this unfounded debt back on my credit report. This appears, in my opinion, to be a form of stealth harassement and stalking, for if it was not for me checking my credit reports, I would not be aware that this debt had been placed on my reports. It is causing a financial hardship by the lowering of my credit score which would hinge me from getting a competetive interest rate on any type of a future loan. Please find previously correspondence attached. Any assistance you are able to provide in resolving this matter is most greatly appreciated. Again thank you
Consumer complaint received 2017-02-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

Ars collection posted fraudulent information in my credit report. They reaged a debt. They reinserted a debt into my credit report without sending a 5 day notice. Also they are reporting the debt as a new collection XX/XX/XXXX but the debt is from XX/XX/XXXX so they reported fraudulently to keep it in my credit report longer than law allows
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

I lost my job during the economic crash in XXXX and could not regain my salary until XXXX and have been asking to get a fresh start loan modification and Carrington Mortgage denied me because I make too much now. There is no way I can reinstate for of XXXX. HELP I must save my house. The denial occured on XXXX/XXXX/XXXX and I have until XXXX/XXXX/XXXX to APPEAL, and during that time there is no foreclosure but the sale usually is set for the XXXX of the month.
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: D. SCOTT CARRUTHERS (CA)

Out of no where- started receiving calls at work, and leaving messages. I did answer and told them not to call my work, that I do not receive personal calls, and the man was combative, yelling at me " DO YOU WANT TO GET SUED? '' over and over. I have received threatening voicemails, stating that I am being investigated for fraud. My family has been called and harassed. My brother did not give my address, and the man stated : what type of brother are you, that you do n't know where she lives? '' I receive different v.m. with different people calling. On my work v.m. they left a case #. They sent a letter to my former address, and it was forwarded to my new address- and it stated they bought my debt and not they want to collect {$7200.00}!! I do not owe any money to this company. They said the loan was from XXXX.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX is in violation of the FCRA by reporting negative inaccurate information on my credit report. This NOT my account, on my credit report the opening date of XX/XX/2021 and the account # listed is XXXX. This negative inaccurate information needs to validated.
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MN)

About XXXX years ago, I signed up for a reserve line of credit with my bank. At the time, the bank teller told me that I would no longer be charged for overdrafts if I connected my checking account to the reserve line. As a result, I believed I was protected from overdraft fees by the reserve line. 

Twice this month, my checking account has overdrawn, causing the reserve line to kick in and transfer me money to cover the transaction. Each time I was charged {$12.00} -- my bank statement labeled that charge as " overdraft protection fee. '' I called my bank to complain, and was told that the free was not an overdraft fee, it was a " transfer fee. '' Which is a fee for transferring money, which I do n't pay when I transfer money from the reserve line myself. 

At a minimum, the bank is misleading customers by implying that they will not be charged an overdraft fee, particularly because the fee is still labeled an overdraft fee on my account statement. While they may distinguish between these fees internally, they certainly are n't transparent about their policy. If they had told me " a reserve line will allow you to access reduced overdraft fees when you overdraw your account, '' that would have been open and transparent. And it would have altered my behavior, because I would not assume I was covered by a reserve line.