davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

My name is XXXX XXXX, XXXX XX/XX/XXXX. On Saturday, XX/XX/XXXX I went down to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was then pressured into signing up for a CareCredit card with them. The Dentist  in charge of my care said I could lose my teeth since the XXXX XXXX was too far gone to treat it. He then told me I needed a root canal and this product sold by XXXX XXXX to save my teeth. I was then sent to another XXXX XXXX XXXX XXXX XXXX Before I left XXXX XXXX that day they said their product wasnt covered by insurance and that the product I needed to save my teeth from falling out cost XXXX XXXX I told them I couldnt afford paying out of pocket. Thats when they pushed their CareCredit card on me. I was mentally scared for the health of my teeth so out of fear for my health I applied and signed up for the credit card. The representative of XXXX XXXX told me there would no interest rates and my payment would be low. I wasnt able to read the contract since the representative had control of it. She just told me where to sign and I wasnt allowed to read it completely until after I signed. Then they gave me the products which havent been used and I have no intention of using. They were over-the counter-dental hygiene products. I tried to return the product two days later, but they said I couldnt do that since I signed the contract already. They said I could only get up to 20 % of the cost back. In essence I was misled into signing up for a CareCredit card. They didnt let me read the contract until after I signed. I was pressured into signing up by the use of fear from my own Dentist. They also used deceptive practices about interest rates to get me to signup. They also blatantly lied about interest rates and I couldnt even read the fine print until after I signed.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

A Bank of America check for {$60.00} written on XX/XX/2022 was mailed. It somehow got into someone else 's hands and was altered. A new payee added. The amount was changed to {$18000.00}. The check was countersigned at XXXX XXXX XXXX bank and cashed. The altered check appeared on my account on XX/XX/2022. Five days later I saw the fraudulent check entry and immediately notified Bank of America and filled out all the documents they asked for. The account was frozen and all the other checks that were in transit bounced. I paid the merchants who had bounced checks from a new account which included extra fees. It has now been fifty six business days for the bank to investigate and return my {$18000.00}. They insist they have ninety days and refuse to share with me any firm update on how their investigation is going. 
The fraudulent activity is obvious but the bank seems to feel no responsibility to make me whole in a timely fashion.
Consumer complaint received 2020-03-03
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. (VA)

I was on vacation and either I lost my wallet or someone stole it. I Had my personal information in there including my social security card. Who ever found my wallet used my information to take out loans in my name fraudulently.
Consumer complaint received 2020-01-12
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. (CA)

fraudulent accounts 1. XXXX XXXX XXXX. ( XXXX XXXX , XXXX . Is the issuer ) Balance : {$14000.00} Acct # XXXX XX/XX/XXXX Open date : XX/XX/XXXX 2.  XXXX XXXX XXXX ( XXXX XXXX Credit Card ) Balance : {$13000.00} Acct # XXXX Open date : XX/XX/XXXX 3. XX/XX/XXXX/XX/XX/XXXX ( XXXX is the issuer ) Balance : {$6000.00} Acct # XXXX Open date : XX/XX/XXXX 4. XX/XX/XXXX/XX/XX/XXXX ( XXXX is the issuer ) Balance : {$780.00} Acct # XXXX XX/XX/XXXX 5. XX/XX/XXXX/XXXX-Credit Card ( Issued by XXXX ) Balance : {$5800.00} Acct # XXXX XX/XX/XXXX
Consumer complaint received 2022-02-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

I reached out to Midland Mortgage in XXXX of XXXX after I was laid off from work XX/XX/XXXX. I was able to pay the modified payment of XXXX for XXXX but explained and asked if there was any assistance to help me. I was informed to submit an application, hardship documentation, and proof of income or lack thereof to verify my status. I began submitting information in XXXX and Midland Mortgage finally responded XX/XX/XXXX stating they need the hardship affidavit and proof of income. I submitted the information XX/XX/XXXX and received no further communication until today XX/XX/XXXX after receiving messages that I needed to contact them to avoid further collection activities. I spoke with XXXX agent XXXX, who proceeded to inform me that they had received my information but had closed my application. I asked why and she stated because they hadn't processed it and didn't know what I wanted done with it. I explained the situation and she said they could offer the Corona virus plan but that it would take my payment up to {$1500.00} based upon the interest rate. I asked what the current interest rate was, and she stated she didn't know and that I could XXXX it. She also stated that while they received my documentation I could either go the traditional route and qualify or take what she was offering and my payment would be {$1500.00} or higher, maybe lower but that if I took what she was offering, no further documents would be needed. They have had my information and knew I was struggling but wouldn't do anything with it. I thought the purpose behind a modification was to lower the payment so that people can keep their homes, not continuously raising the payment and even lowering the interest rate. How is it possible to lower my interest rate and my payment increase? This doesn't make sense.
Consumer complaint received 2023-01-05
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. (MD)

I am NOT financially responsible for the real estate mortgage loan with XXXXXXXX XXXX XXXX XXXX XXXXXXXX  opened on XXXX in the amount of {$32000.00}. It belonged to XXXX XXXX. I have NEVER signed as applicant, co-applicant or guarantor for any loan or real estate mortgage reporting on my credit file with XXXX and TransUnion. XXXXXXXX XXXX  is FRAUDULENTLY verifying that the information reported is accurate which is AGAINST THE LAW. I am requesting that XXXXXXXX XXXX deletes the loan account from my credit profile IMMEDIATELY. Should they refuse, I request that they supply you with the record of original loan application and settlement documents with my signature as evidence that I am a signor of the loan in dispute.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (MD)

I am NOT financially responsible for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly XXXXXXXX XXXX opened on XXXX in the amount of {$32000.00}. It belonged to my XXXX. I have NEVER signed as applicant, co-applicant or guarantor for any loan or real estate mortgage reporting on my credit file with Equifax and XXXX. XXXXXXXX XXXX is FRAUDULENTLY verifying that the information reported is accurate which is AGAINST THE LAW. I am requesting that XXXX bank deletes the loan account from my credit profile IMMEDIATELY. Should they refuse, I request that they supply you with the record of original loan application and settlement documents with my signature as evidence that I am a signor of the loan in dispute.
Consumer complaint received 2020-03-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mid-South Adjustment Co., Inc. (AR)

I recieved a letter from mid south adjustment onXX/XX/20 in regards to an alleged medical debt that they believed i owed. On XX/XX/2020 i paid {$100.00} to the original creditor, XXXX XXXX   XXXX ( documentation attached ). At that time the account was pulled from collections, which is shown on attached documentation. On XX/XX/20 i paid the remaining balance of {$90.00}, with {$0.00} remaining. The letter from mid south adjustment ( document attached ) claimed that i am involved in a lawsuit for the debt. I called them on XX/XX/20 and let them know that the debt was paid and that it is illegal for them to threaten to sue me, in order to receive payment. The lady i spoke to stated that she had no knowledge of me paying the debt. I explained to her that the documentation that they sent me clearly documented me paying the debt. She put me on hold, and came back and stated that she has no record of me paying the debt, and that i also have legal fees and court cost to pay. i ended the phone call immediately.
Consumer complaint received 2022-02-25
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: FIFTH THIRD FINANCIAL CORPORATION (GA)

To Whom it may concern, I received an email from XXXX XXXX stating that my credit score went down XXXX points because of a late payment to XXXX XXXX XXXX. I have never had a late payment on my credit. I called XXXX XXXX and they told me that my last payment was XX/XX/XXXX of 2021. There was no payment for XXXX or XXXX. I pay this automatically through Fifth Third Bank. I have attached a document showing that the XXXX and XXXX payments were scheduled and were also showing in the history. I called Fifth Third Bank and they said someone would call me within 3 business days. They said that they saw that I had scheduled these payments automatically for the first of each month but that they did not send the checks. She did not know why and had to escalate this. I told her I wanted something from the bank stating that this was the fault of the bank. She said I would have to wait until someone e-mailed me about this within 3 days. 

I called Loan Care and I told the representative that I had not received any communication from XXXX XXXX about this. She said that they called me but received no answer. I said why wouldnt they leave a message. I dont answer calls if I dont know the number. She said that they sent a letter in XXXX. I have not received that because I am at my other home in Georgia. 

The research done by Fifth Third it was found that the payment for XX/XX/XXXX was lost in the mail and the payment for XXXX was cashed on XX/XX/XXXX. I asked why the second payment was not cashed on the first because I schedule my payments to get to Loan Care by the first and I was told that was up to the merchant when they cash it. I was told by Fifth Third that the screenshots should be enough to resolve this. They do not send letters. I have attached the payment history along with the check numbers that were sent. I sent this info to XXXX XXXX and they will not take off the derogatory mark from my credit because they said a check lost in the mail is not their fault. 

I am very upset about this and am asking for my credit score to be restored. I paid the two months right away after I found this out. 

Please let me know if you can resolve my credit issues. I have never had a late payment in my life and this has reduced my credit score by XXXX points by no fault of my own. Please advise. Thanks you very much! 

Sincerely XXXX XXXX
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC (FL)

My daughter contacted me saying that a debt collector contacted her and my ex-wife, after they have never tried to reach out to me. The collection agent gave them detailed information about my debt and full story behind it, as well as names of parties involved, amounts owed as well as dates and other details. I contacted the company XXXX Capital Link Management LLC ) and spoke to an agent who was very unprofessional right from the start making threats of arrest and lawsuits. I recorded the conversation where he also threatened me saying he has access to my social media and will reach out to family and friends. I kept asking if it was legal for him to give out my information and details of my debt to a third party and he insisted that it is legal to do whatever it takes for them to collect. A second agent also said that my daughter claimed she was my employee and it was legal for them to give out the detailed information of my debt. My debt involved a check that was given to me by a client for services provided. I cashed the check at a check cashing business and that check later came back as insufficient funds. They are unable to collect from the issuer so they are coming after me. 
Capital Link Management llc is acting like they are attorneys and police making threats and acting unprofessional. They have terrible reviews on XXXX and will do anything to collect even if it involves breaking the law and regulations
Consumer complaint received 2020-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (UT)

I opened an account with them for {$110.00}. The took a fee of {$4.00}, which I knew about. I wait for a day for it to clear. Then it took them from XX/XX/20 to XX/XX/20 to claim that my ID was verified. I submitted my state ID and photo via cam several times. I contact their support about this. In this period my account was cleared, I do not know the exact date. I tried to make a purchase that apparently was on their blacklist. My account was restricted. This I was unaware of, as I was equally unaware of this blacklist of theirs. 

On the XXXX I requested that my account to be closed and the money return to origin bank. They then claimed that they can not do this and I must enter a bank on their website so that money can be transferred out and account closed. But they require you to enter your bank credentials, in effect giving them the ability to steal all your funds from your account. I have told them that this is completely not acceptable and they have ignored me since. I have tried to call their number XXXX XXXX XXXX. ' It does not matter which option you use the message is the same " We are experiencing high call volumes, please submit a ticket on the website. ''
Consumer complaint received 2024-03-17
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. (TN)

Accordind to to credit report I noticed that my right to privacy was violated. Accordind to 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.The accounts in question are listed below violates my right to privacy XXXX acct # XXXX, XXXX XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct ; XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX XXXX XXXX : acct # XXXX,,..
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

The address associated with this account isnt mine I have never had or have I ever opened a XXXX XXXXXXXX or any other credit card. The person associated with the address XXXX XXXX XXXX attached to this fraud account should be prosecuted for Fraud if you investigation is through you would see this.
Consumer complaint received 2022-02-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Movement Mortgage LLC (FL)

The client is in review for loss mitigation. The client was approved for a forbearance in XXXX. A forbearance is meant to buy time and protect against foreclosure for those who can not pay their mortgage due to a temporary loss of income. This client has plenty of income to be reviewed for a permanent solution ; a loan modification. The client is able to resume making payments. There is no reason to throw a band-aid on this when the client meets the requirements for a permanent solution. Back in XXXX we explained all of this verbally and we resubmitted the file for review again in XXXX. We submitted a loan modification request along with a proposal. I am now told as of XXXX that the client was again approved for another forbearance. I was told that underwriting is asking for clarification on if the client wants the forbearance or not. Im concerned about why there is so much confusion when we have spelled every detail out for Movement. Even the first time we submitted the file for review on XXXX, that submission included a proposal and a request for a loan modification, so - exactly what the client was requesting- should have never been a question. I have requested call backs every single week and no one ever reaches out. The lender is ignoring the fact that we call them on a weekly basis and they are acting like they don't have all the information that they need. They are asking questions that are clearly spelled out in the modification packet. The lender needs to decision this file immediately and stop delaying.
Consumer complaint received 2023-03-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NM)

This loan officer through his manager : Loan # XXXX Zip code used is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX ( email ) XXXX ( direct dial ) XXXX ( cell phone ) XXXX text and call ( fax ) XXXX Mr. Cooper XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Purchase Sales Manager XXXX # XXXX These people in all their departments have evaluated our credit and income and have toyed us around. I was approved for a loan and now have savings too, and they recanted due to familial status, family origin or XXXX background, I am a XXXX working american citizen. I applied for a loan they approved me and XXXX  knowing the familial status or other detail, they recanted I owe no money to mr cooper or natiostar. 

Nationstar has received XXXX dolars in cash from XXXX XXXX as security deposit ( I can prove it ) and kept it in a " separte account '' for the bank 's benefit, and my mother XXXX XXXX XXXX not owe any money to the bank and sent some to their attorney and some to their client buddies in electronic interstate transfer of exempt retirement funds of a XXXX XXXX XXXX XXXX woman, and kept it along with some transactions doen by their counsel with a revoked license company whereby the attorneys hold some documents he negotiated behind our backs they are threatening us to pay the undisclosed illegal debt obtained by their clients on a property they no longer own or occupied. All equity belongs to XXXX XXXX since XXXX and there is a title to proove that. Nw the want to keep the money, take the XXXX  to the street. sell the house for 3 tiems the debt keep her cash and reward the attorney and the fraudster for not showiing up to court because the attorney did NOT SUMMON SERVE PROPERLY the morrgagor hence colluding to cover a crime against an innocent senior purchaser of value. FDIC sent information to the FBI already.
Consumer complaint received 2020-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

To Whom It May Concern, As a borrower of Santander Consumer USA, I have reached out to the company with my concerns about the auto loan account that I have open with them. I have addressed the fact that I, as a low income borrower, was not aware of the 27.99 % APR on the auto loan, which exceeds California 's usury rate. In fact, they exceed the rate by 17 %. I've been a borrower of theirs for over two years and have not yet paid half to the principal, and have reached out to them with major issues to break down into detail about where my own money was going towards. I have politely asked for refinancing options as well, but was denied this. I have asked for Extended Payment Plan, which they had charged an additional 5 % without notifying me, and the representative over the phone never clarified to me. I have tried my best to keep up with the payments, but feel that I will need to reach out to those of higher authority to help alleviate some stress. My auto loan borrowed was initially {$12000.00} to finance for 60 months. Beginning XXXX of XXXX, I have only paid less than {$1000.00} towards principal which doesn't make any sense, for I've made payments on time prior to my recent financial struggles in the past year of XXXX. I've closed my credit accounts to pay for this auto loan that is clearly a depreciating asset, but none of my money has gone towards the principal of this car. I've kept in contact with Santander about my situation in hopes that our business could become better, but I honestly feel a deep disrespect from the lender as I've tried my best to be cordial. On XX/XX/XXXX on a Thursday evening, I've called to manage my past due balance to bring my account back to current, and was told by 2 separate representatives an amount of {$620.00} made before XX/XX/XXXX would bring my account back up to current. I was not told of any other late fees that would be charged onto my account. Today, XX/XX/XXXX, I called to confirm this amount and was actually charged an additional {$260.00} onto my account, which was only three business days, and after speaking with a representative and a Supervisior who've clarified the additional charge. I asked to be waived of these extra charges because I was not given this information, and was again denied. If there is a reason for my default, I believe that Santander is in exploit of that. I am not satisfied as a consumer and would like to report this scandal. If Santander strives to be a company of prosperity and respect, they wouldn't dig a deeper threshold for their own consumers. Files will not be included until I receive an e-mail via CFPB. Thank you for your time!