davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

Previous complaint XXXX was verified by mortgage company that my XXXX taxes were never paid. Mortgage company quickly paid XXXX taxes plus interest in penalty. However, they used my XXXX funds that have been in escrow monthly to set aside for XXXX payment. What happened to all the funds set aside at closing in XX/XX/XXXX when I bought the property. Those funds on the closing statement were to pay XX/XX/XXXX taxes - not the escrow funds for XXXX taxes! Now I am almost XXXX short. The mortgage company needs to account for XXXX tax funds set aside on closing statement attached.
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

I requested a way, like all other loans, to enable me to make additional principal-only payments towards my balance, to pay it off sooner. It seems online, although it appears to provide 'options ', none of them really allow principal-only payments. In addition, when calling to do so, there is a wait of XXXX calls 'ahead of yours ', so it is almost ludicrous to attempt to pay that way. Lastly, when I did reach a representative once, they confirmed there really was no way to make that additional payment except by reaching someone on THE EXACT DATE your regular payment is due, but, as I said, then there are XXXX callers ahead of you, so you can't possibly wait for that either. 
As well, unlike other long-waiting-call-list companies, Santander does not have an option XXXX be called back for a long call-time wait. 
Thus, it really seems Santander Bank intends to make it difficult for the consumer to pay LESS Interest to them for their car loans ; that any way to do so is thwarted.
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PR)

A collection debt from an agency called CREDENCE RM appears on my credit record in the XXXX agency. 
This is the second time that a debt to XXXX XXXX XXXX appears in my record for the amount of {$2500.00}. 
I have never had debts with XXXX XXXX XXXX and this has appeared and affected my credit for the second time.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I am writing to dispute the following information in my file where I have not received a reply from the evidence presented on XX/XX/XXXX Trans Union Credit Report. 
You will also find this item circled on the attached credit report. The item I have identified is inaccurate because last payment made on XX/XX/XXXX for the amount of XXXX was with the intention paid off the account totally. I was offered a year without interests if I paid off the account during the established year. First payment was remitted on XX/XX/XXXX XXXX XXXX XXXX as part of the Installment Plan Program that included XXXX payments. During a call made to the Preferred Credit offices, the staff informed me that the amount to pay off the debt was XXXX so I proceed to issue that payment for the required amount. The payments report on my credit history are inaccurate.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

XXXX XXXX XXXX were contacted and proof that the expenses on that account were done by me. They replied back with a copy of the credit card statement showing the purchases but no receipt proving that was an authorized purchase done by me. in another word, the company was unable to provide proof and evidence that the purchases were done by me.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stuart-Lippman and Associates, Inc (GA)

I have reviewed my credit report with XXXX a few months ago made a complaint it was supposed to be corrected. It was removed and put back as a current deliquent account. I had requested that it was corrected and then it is now placed back on there as of XX/XX/2023. This is very damaging as I am working on my credit report and nothing has been fixed. At this moment due to the damage that this is causing I am requesting it be removed not only that, but a mometary payment becasue at this point it is very damaging and keeps causing my closing date for my house because I have to keep disputing these same accounts,
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

Portfolio recovery services were contacted and proof that the expenses on that account were done by me. They replied back with a copy of the credit card statement showing the purchases but no receipt proving that was an authorized purchase done by me. in another word, the company was unable to provide proof and evidence that the purchases were done by me.
Consumer complaint received 2024-06-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC (TN)

In XX/XX/XXXX, Planet Home Lendimg lost some payments that had been made to them making my mortgage delinquent. This started a series of issues that have now put us at $ XXXX behind in our payments and we are now facing foreclosure as of XX/XX/XXXX. We attempted to renegotiate our mortgage beginning in XX/XX/XXXX and recived the determination of thier decision on XX/XX/XXXX. I intend to request a deferment, but based on the reviews of this company I am not very optimistic that I will be successful in negotiating this. My account is also locked so even if we had the ability to pay the amount in full we have no way of doing so. My husband and I are not the only military family who have had issues with this lender, there are hundreds of reviews on the BBB page for this company stating similar issues especially for military personnel and veterans. This is predatory lending and it needs to be stopped.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (FL)

This company is reporting 5 late payments in this closed account. 
FORD MOTOR CR Account Number : XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date.

According to the law 15 USC 1681b, you must receive written authorization from me to disclose information. I have never given written consent that you can disclose my information. I demand proof or that you verify the document or letter that I wrote allowing my information to be disclosed. information.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

LVNV FUNDING Account Number : XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Company indicate that I owe a balance of {$490.00} dollars. 
Phone number : XXXX I have no acknowledgment of who this company is nor have I ever done business with this company to owe such debt. This creditor have never lent me any money. I have never signed any agreement to pay this company back. This agency is violating my rights as a consumer reporting this false information to XXXX, XXXX, and XXXX. Im asking that all 3 bureaus deleted this information from my credit report because its hurting my image as a person.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd (WY)

Hello dear Hope doing well I hope you will get my info and reslove the issue I had open an wise business account I had paid them XXXX $ for upgrading my account to unlock XXXX currencies then after few days I contact broker that I need usd $ he was paying me but I dont know why the payment was cancelled and ny wise account got blocked after this. 
I will be very thankful to you if my problem is solved.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (VA)

I attempted to fund a large sum of money into my Wise account ( wise.com/us ), so that I could pay suppliers. Wise directed me to my bank and gave me all the account information for the receiving account, a XXXX XXXX bank account in NY. I entered the amount I wanted to transfer and submitted the request. Wise added to the amount after I submitted it, so now my transfer amount didn't match Wise 's transfer amount. I waited days for the money to appear, but when it didn't, I called Wise to get to the bottom of this. Their customer service was unhelpful. They could not answer any questions about where my money went or what went wrong. They gave me electronic forms to fill out, but the forms didn't match the situation, so inevitably, the forms failed to bring me any closer. I've been out several thousands of dollars because of this, and will not be able to pay my suppliers on time. A small business can not operate this way. Stay away from Wise!
Consumer complaint received 2024-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I made a deposit of a federal government check for XXXX on XX/XX/XXXX. Capital One is holding the funds because they say it has a fraud risk. It is now XX/XX/XXXX and the funds are still on hold. This hold is ridiculously long. Surely the check has cleared the issuing bank by now.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc. (SC)

I never gave kickoff my permission to open an account in my name I've done a police report and contacted them several times and to discuss this matter with them fraudulently account is serious no resolution has been given this has truly been nightmare I submitted several documents I need a resolution there are 2 accounts open in my name without my permission neither account did I consent to or authorized to open up at all.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I decided to check my complete, credit report and I saw mortgage companies that ran my credit. Which was never authorized. I believe that someone stole my information and is looking at mortgages and cars.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO (PR)

Starting in XX/XX/XXXX I made 8 payments through my electronic account with the Banco Popular acct no XXXX to the XXXX XXXX in XXXX against a credit card account no XXXX. This account was paid in full and closed in XX/XX/XXXX. I proceeded to contact both banks because only 2payments were returned to Banco Popular in XXXX XXXX another in XXXX XXXX. There is and outstanding amount of {$1100.00} that were never retuned or there is no evidence from my bank that show that this money was retuned, I have contacted the office of XXXX and they have been reluctant to assist me to resolve this situation, All electronic transaction should have a system of traceability and recode keeping of transactions of payments. I need a thorough investigation as to were did this money that I paid go to and be reimbursed. My original complaint was filed in XX/XX/XXXX ; XXXX no XXXX.
Consumer complaint received 2021-02-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NC)

I financed a car through Wells Fargo Auto loan from XXXX XXXX XXXX XXXX XXXX NC on XX/XX/XXXX. In which I was misled and told my monthly loan bill would be cheaper if I purchased 2 service/product add ons. An additional 2 were added without my knowledge. 

Due to unemployment, I was set up with a deferral program. While I was on program, I decided to cancel extra products I had purchased with vehicle. That turned into a mess/nightmare, I was refunded only {$940.00} of service plan. To me this sounded off. I only had from XXXX to XXXX left to pay on plan, had never used plan. 

So while working 3rd shift as an XXXX XXXX XXXX, I tried to follow up with both Wells Fargo and auto dealer.. From XX/XX/XXXX to XX/XX/XXXX, XXXX I had zero access to my accounts nor received statements. 

On XX/XX/XXXX, I was told by XXXX XXXX that they had no record of my car purchase and could I look for my documents to send. 

On XX/XX/XXXX and XXXX XX/XX/XXXX, I spoke to a Wells Fargo representative explaining I had just paid my rent through XXXX XXXX  which uses Wells Fargo to pay my rent that was behind due to unemployment. I was told don't worry, we can set you up on a deferment plan for next 3 months. This was both in XXXX and XXXX. My XXXX call though I had found out I wasn't set up on a plan. I stayed on the phone for 3 hours, got no sleep before I headed to my XXXX XXXX XXXX XXXX 

Fast forward to XX/XX/XXXX, I found out I was never set up in a program, my car was about to be repossed. I once again, pulled over to side of road, spoke to someone who said they would look into this again, I immediately paid {$600.00}. 

I have received calls every day almost since then with misinformation about my account. I have had no access to my any important documents like my tax records- this is an suv cross that I use for landscaping business as well. 

I was told that my car can be repossessed at anytime due to my unemployment status, even if it's under a 120 days and that my account is restricted so therefore I can't look online and see what my balance is. I was informed signed up for online access- this was without my knowledge as I couldn't access my account. 

I looked over my loan documents and found out I was charge for 2 extra programs/services- 1 in which I actually paid in full /used my debit card and it was still added to loan as an add on financed for 13.3 % ..
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MO)

I was served papers stating I was being sued by XXXX FUNDING/RESURGENT CAPITAL SERVICES for a debt that was a result of fraud and has been reported to law enforcement and the case is still ongoing. I have never signed a contract with this company. I did not give consent to pull my consumer report. I did not give them my non-public information ( ssn ) I do not know how they obtained my non-public information. To whom is may Concern, I dispute your claim and I am requesting validation from you pursuant to the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting or court proceedings until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Send this information to my address and accept this letter sent as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners (OK)

XXXX XXXX XXXX XXXX sent me a debt notification letter stating I had until XX/XX/XXXX to dispute or request validation. They received my request on XX/XX/XXXX and proceeded to flag the debt as a collection with XXXX on XX/XX/XXXX advising them it was an account opened on XX/XX/XXXX. I believe this to be deceptive practice and a FDCPA violation. Furthermore they did not report it as a medical account owed from XX/XX/XXXX.
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (FL)

I am filing a complaint against Exeter Finance due to unauthorized outstanding fees totaling {$1400.00} reflecting on my account. I did not agree to this amount, and this incident is not isolated, as similar unauthorized charges have occurred previously. This recurring issue requires immediate attention and resolution.

Exeter finance verbally told me my vehicle was repossessed two times and thats where the fees are coming from. Also, a {$400.00} charge for having keys made for the vehicle. My vehicle has only been picked up once. I am requesting that this information be corrected and that an itemized bill be sent to me to reflect the charges on my account amounting to {$1400.00} Attached are images of the balance
Consumer complaint received 2024-06-27
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (AR)

I had a Home Depot Credit card issued through Citi years ago. That account was closed by Citi due to inactivity, as I never used it. That account has all of my old contact information ( old phone number, old username, password, etc. ) When I went to use the card, I had to reapply. I did so & now have the card. However, I'm unable to get logged in to make payments. When I attempt registering it using the last 4 of my SSN, phone number, etc I'm told that's the incorrect info, though it is not. I've contacted customer service numerous times & spent well over 45 mins on the phone each time being transferred to person to person with no rectification. The new card is somehow linked to the old account that was closed due to inactivity. As such, I do not have access to whatever that login password was, the phone number that I had at that time, etc. They say they can't change my password without texting me a verification code. The verification code can't be sent to my phone number ( XXXX ) because that's not the number on the account ... which is the old account that was used years ago. They can't update that phone number without texting me a verification code... again, to the old phone number. I can't register for a new account with this card, because it's linked to that old account. I've incessantly been transferred from person to person and this still has not been rectified. As of today, I'm still unable to login and make a payment.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NC)

I am in receipt of an inadequate response from Citibank involving a previously file complaint ( number XXXX XXXX ). 
Citibank stated that they would reimburse me in rewards point for which I incurred a financial loss. This points reimbursements does not equate to my financial loss due to no fault of my own. I further requested an explanation on what steps I could have taken to avoid a financial loss by reimbursing Citibank Reward Points through their program? I further asked, why I was not contacted before I checked into the hotel that was reserved through their rewards program and by which, I received doubly confirmed confirmation numbers from Citibank travel and XXXX XXXX via Citibank Travel ( Citibank # XXXX and XXXX XXXX # XXXX )? 
In Citibank 's response, they failed to address my financial loss for which they have received a copy of the hotel bill that they requested when I reach out to them about this concern and requested an explanation of what had happened. Furthermore, Citibank did not provide any explanation on what occurred between their Citibank travel office, XXXX and XXXX XXXX for which I was not part of any of those internal communications or contact in real time for which I suffered a financial loss. I only received contact from Citibank notifying me of their cancelation ( after I incurred the hotel expenses ) via email that I received at XXXX while I slumbered at the hotel. I still have no explanation as to why my reservation was canceled and this was also an inquiry in my original complaint. 
My new inquiry is to request clarification/explanation of my prior concerns, reimbursal of my financial loss due to my participation in the Citibank rewards ' program, as well as an explanation on how I would ever feel comfortable engaging with Citibank travel through the rewards program in the future knowing that I could again experience a financial loss? Finally, explain why one of your initial contacts with me claimed that you could not find my account under my name or address and one that I have had for more than 20 years? How do your rewards points reimbursements equate too financial loss?