davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TN)

I have been with Santander over 4 years and never made a late payment. I spoke with agent on XX/XX/XXXX and notified them that I had been laid off job and was wanting to make payment the following week on XX/XX/XXXX to prevent from being late and was told that it would be fine and not reported to credit bureaus. I made payment as promised four days early on XX/XX/XXXX but a delinquency of 30 days is showing with XXXX. Neither XXXX  nor XXXX show a delinquency or late payments on my credit report. I have asked Santander to correct issue because I am in needing to buy a house within next 6 months but have failed to do so.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2018-09-05
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: CITIBANK, N.A. (VA)

I made all my payments to Home Depot within the 30 days due date as I mailed most of my payments. I got a call from an agent who then told me he would waive a late fee for the payment that was due of XXXX. I made the payment minus the XXXX. Home Depot reported the payment as late even though I was told it was being removed. When I called to complain the rep told me they add the late fee to the payment due but then refund it to the account they do not remove it from the payment due even though they added it to the payment due. Also they reported XX/XX/XXXX was 30 days late which it was due the 23 and paid on 8 days later. I have proof of payment. 
Also I pulled all of my statements and Home Depot is charging me late fees the same day my payments are due so they can wrongly report payments late and collect XXXX dollars for payments on time. 
It shows this in my statement. I want Home Depot to follow the fair debt collection act and the fair credit act by reporting my payments on time as they were on time within the 30 day period. If I mailed my payment in and they failed to apply the payment accurately then that is not 30 days late. I want this corrected on my report because it's false reporting.
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (CA)

I am a victim of Identity Theft so I had an alert placed on my credit. That said, I have received several alerts that XXXX XXXX XXXX XXXX has accessed my credit. I have not received a notice from them so I dont know what this is about. I have wrote them as well and to date no one has responded to me yet they continue to access my credit. Latest date was XX/XX/2018.
Consumer complaint received 2018-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (TX)

I received a letter from Date : XX/XX/XXXX Re : Dispute and validation request XXXX Ref # XXXX XXXX Customer : TD Bank XXXX/XXXX Credit card Original Client Acc # XXXX XXXX XXXX XXXX, XXXX, Doing business As, XXXX XXXX XXXX XXXX / XXXX, FL XXXX This company sent me a lot of statement from XX/XX/XXXX to XX/XX/XXXX relating to credit card debt because last three month i receive a notice of collection that I owe XXXX credit card the sum of {$300.00}, I reply that I did not know this debt and need debt details, now they sent me about 10 statements from XX/XX/XXXX to XX/XX/XXXX beginning with transaction {$50.00} on XXXX + accumulation original debt + interest + penalty monthly up to amount of {$300.00} in XXXX. After reading information from news paper said that XXXX  is hacked and leaking many thousands customer 's identities ( in XXXX ) I do not use XXXX  credit card. 

So far, I did not receive any statement notification by email or by mail of Target since XX/XX/XXXX. I think my identity was leaked by XXXX  and other guy can use it to apply for XXXX credit card and use it under my name. 

Why XXXX  or TD Bank do not sent monthly notice or statement by email or by letter as other entity issuing Credit card like XXXX, XXXX XXXX, or Banks? Why they hiding the statement? what for? why they intentionally hiding them until the accumulation amount up to {$300.00} from the beginning amount only {$50.00}?? 

If they sent statement to me monthly, I should have paid in full the first statement dated XX/XX/XXXX {$50.00}!! They must have responsibility to leak identity of customer and did not info customer this problem! in XXXX i must close all my bank account and freeze my SSN to prevent from identity thief. 

This is not a fair business to hide statement for a long time to collect accumulated penalty and interest, they did harmful consequences by leaking customer 's identity!! 

I need help from CFPB to resolve this problem asap. 

Thank you.
Consumer complaint received 2019-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (IL)

My mortgage was sold from XXXX to Selene Finance and i made my first payment over the phone. The was suppose to send me a welcome pkg with the new terms. However, I haven't received it still so i called. The old company nationstar informed me that my loan was transfer within 15 days. I tried to make my payment online and it went through for my second payment on XX/XX/2019 online with a confirmation number. I called several times because it yet clear my bank so the money still in my  account. Several Customer agent from Selene Finance said its fine ; but its not. I had my sister who helps me with the financial documents to reach out to them and we are constantly lied to. I have no idea now that its XX/XX/XXXX when they will take that payment. Fire XXXX out my account. Im unable to log on to check my account under Selene Finance and the dont help. I doubt wasnt to lose more home or it falls behind because this new company Selene Finance not p processing my payments. I called 6 times and still nothing done. It's very frustrating and im concern that thus new lender is not paying my insurance, taxes or anything because they not processing my payments. Please help! 

Sincerely., XXXX XXXX
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I am an XXXX XXXX XXXX veteran and believe that Truist Bank is ignoring me due to my age. On XX/XX/2022 my computer was hacked by an unknown individual or party. They somehow got control of my computer and got access to my account with Truist Bank. They withdrew {$29000.00} and made a payment to my mortgage of {$1400.00} from my checking account. At the same time they made a {$5500.00} cash advance on my credit card. I called the bank immediately and told them that my account was hacked and there was fraud in progress. I was told they did not see anything and did nothing. I then called the Truist Fraud Department and made a report. I went directly to a branch on XXXX XXXX and spoke to a XXXX who then informed me exactly what had transpired with my accounts. She told me that the {$29000.00} from my checking and the {$5500.00} from my credit card was deposited to my savings account then XXXX additional payments of {$29000.00} and {$5400.00} were made to the mortgage from the savings account. The Fraud Department sent me a letter stating that the case was closed and that they were not pursing the incident because no monies were stolen. Any resolution would have to be made by the Mortgage Department. I had sent signed notarized affidavits stating that I did not make these transactions to Truist Bank. I proceeded to call the Mortgage Department explaining what had transpired and wanted those transactions reversed since I did not make them. I have been dealing with the Mortgage Department for over seven months and every time I called they promised to return my call and that they were getting ready to return the money. Meanwhile the Credit Card portion of Truist has been harassing me to pay up with interest and fees. I informed them on what had happened and that as soon as the mortgage department would return the money from Truist Mortgage I would be more than happy to pay the initial {$5500.00} minus any interest or fees. Why the hacker decided to play such a mischievous deed I do not know. Could be that I got my neighbor next door and he disconnected my computer from the internet as soon as he saw someone was scrolling through it and possibly the hacker was not able to complete his true intention. I did take the computer to XXXX XXXX to scrub it from any malicious software. I am including the bank statements from checking, savings, and mortgage. Also included is XXXX XXXX report, and letters I have sent to each department within Truist Bank which shows names, times, and dates of people I spoke to. I believe more than patient with this bank and believe their intentions are less than honorable. Any help you can provide would be greatly appreciated. 

Thank You, XXXX XXXX
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

The Company is stating that the information on my consumer report is accurate and to remain on my report un XXXX which is incorrect I sent in proofs that the courthouse doesn't verify bankruptcy with the credit bureaus making it not legal to report I have letter directly from courthouse stating they don't verify.
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2018 I received from Chase ' PLEASE accept our apology ' letter dated XX/XX/2018. about foreclosure that occurred in error and previously reported TO CFPB. 


Because as of XX/XX/XXXX XXXX at XXXX XXXX XXXX conveyed that Chase has still not as promised a month ago, removed my home from foreclosure I feel compelled to submit new complaint. 

Further this letter is inconsistent with what actually occurred & suggest that Chase had already sent me a copy of modification decline. Albeit on XX/XX/2018 I was told a letter went out XX/XX/2018. 
This is actually the first time I have received it.with apology letter. 

Also, never did any Chase representative tell me to make four payments as letter suggest. 
Fact is I was told to make one payment by XX/XX/2018. instructions were ALWAYS one payment before XX/XX/2018 or worse case senario three before XX/XX/2018. 
Which I attempted to pay the three before XX/XX/2018 to no avail because Chase would not accept. 

As previously documented this property should have never been in foreclosure as admissions made by several Chase representatives. 

I have from inception of modification to now done everything instructed by Chase and they have received payments and Chase executive office  promised a month ago my home would be off foreclosure. Chase sent letters that appeared home was off foreclosure and logical progression was XX/XX/2018 payment. 

But than that was requested to be amended by Chase executive office to XXXX and stated that I couldn't pay via phone, mail or branch. And that Chase would contact me when Chase figured out payment arrangement. 
But my home would be removed from foreclosure. 

I am extremely distressed distraught and literally ill over this. 
I am in possession of letter from Chase citing my payments are current. 
But my home remains on foreclosure sale XX/XX/2018 This is outrageous stress that's been going on since XXXX.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have had trouble with this account due to their system error that gave incorrect amount of days that my account was past due that caused me to pay over 30 days late and I also was told by one of their representatives that if I paid by XX/XX/2017 it wouldnt reflect a late payment. I have disputed with credit bureaus and have asked the company to fix this since they had a system errors. Multiple representatives have verified that they had a system error but still havent fixed this. I have been working on this since it happened on XX/XX/XXXX
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

In XX/XX/2022, I paid off this credit card and requested to close the account. In XXXX I received a bill that stated it was for interest between when the account was paid off/closed and when the statement came. I paid the {$65.00} and confirmed that the account was closed and that I would not receive any further bills. In XXXX, I not only received another bill, but was now charged a late fee and a minimum interest charge. This is the biggest scam I have ever seen. At this rate I will never be able to pay off this card as there will always be some sort of account charge. This is the highest form of consumer credit fraud I have ever seen and I do not want it to impact my excellent credit rating. Please advise.
Consumer complaint received 2021-12-07
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: Penn Credit Corporation (NY)

I wrote the collection agency a letter on XX/XX/XXXX regarding an erroneous collection account they improperly placed on all XXXX  of my credit reports without properly informing me giving time to respond to the validity of the alleged debt that may does not belong to me. They have failed to provide proof of validation of the alleged debt and they updated my credit profile stating that in the answer to my original CFPB complaint that they sent me a copy of the original bill on XX/XX/XXXX, validating the debt which is false. I have not revived any communication from them once so ever regarding this mater and its been well over 30 days and counting. According to the fair credit act, they are violating my rights and I demand that this debt be deleted from all XXXX  of my credit reports immediately upon receipt of this notice.
Consumer complaint received 2018-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paul Michael Marketing Service (NY)

Paul Michael Marketing reported 2 debts which I do not owe to my credit report without any previous written notice or giving me the right to dispute. Now my credit score is low.

I sent Paul Michael Marketing a certified letter demanding proof that I owe this $ and I have not received a response.
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank, has decided on their own to pay debiting items through debit card coverage and then charging me outrageous overdraft fees. I am unemployed and I do not have any type of income coming in through unemployment insurance or any other monies. 

I went to the XXXX, XXXX branch offices on XXXX XXXX XXXX XXXX XXXX XXXX Branch location. The banker stated that there was nothing they could do to help reverse the fees and offered no other assistance. All of the problems stem from XXXX XXXX XXXX and XXXX XXXX XXXX processing debits a week or rwo before the scheduled due date. Both companies blame Wells Fargo because they processed the ACH file sooner then what was requested. Both XXXX XXXX and XXXX XXXX XXXX will not refund me any of the fees I was charged by Wells Fargo. Because they state it wasnt their error it was Wells Fargo Bank error and both companies have no control over that. 

I am broke and feel that I am being taken advantage of because I dont have any monies to survive this problems I am faced with now. 

I am asking for your assistance to assist me in obtaining amicable resolution to this burden that has me all stressed out and in financial ruin. 

Thanks,
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc. (AZ)

TCS, Inc ( XXXX XXXX XXXX ) first contacted me at work in XXXX. I have requested i not receive calls by this " XXXX XXXX '' at work. A letter was sent to my work corporate office. Letter was given to my HR representative on XX/XX/XXXX with my SSN asking for employment verification, date of hire, hours per week work. She had not responded to their request and sent me the letter and asked for my permission to submit. I told her no. Since then she has been calling my cell phone numerous times, sometimes 2X in a row and work number often. Each time i verbally tell her do not call me at work. This has been going on for almost 2 years. On XX/XX/XXXX at XXXX she called in and I hung up. She called back and told my receptionist that she wants to speak with the office manager. Without knowing the subject of the call, she spoke with her and requested that my HR rep give her a call. This is illegal practice and goes against the protection act. i have reported to the XXXX about XXXX, but they have not responded back to them. Amount is for around {$3000.00} when i had my baby and my insurance wont pay because my Dr. used a Dr without a referral during the XXXX.
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (PA)

Selene Finance was paid on XX/XX/17 and this payment as of today has still not been applied to my account. 
I have sent them 2 months worth of bank statement ( XXXX and XXXX ) and a letter from my bank and yet they still have taken no action. They claim they didnt see me logged in online or spoke with a rep that day. That continues to be there reason, ignoring the verification I have sent to them. 
I have been disputing this for over a year now and my mortgage continues to show 1 month behind. 
They are the worst company I have ever dealt with!
Consumer complaint received 2018-09-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Total Card, Inc. (AR)

ON XX/XX/XXXX I submitted a complaint with the CFPB about The company TOTAL CARD INC ... total card was sent a certified letter asking for proof of the account which I asked for the original signed contact,,, so this why I filed a complaint with the cfpb,,, they failed to send me the proof within 30days,,, they responded back to the cfpb stating that they sent the attached original contract with the first response,, that was not true,,, there was no original contract attached to the 1st response,,, so I refiled another complaint because no original contract was attached ... this is not right the company was given ample amount of time and chances to provide the proof that I requested.. its been way past 30 days and I have yet to receive my proof of contract with the original signature on it,,, total card responded to the 2nd complaint on XX/XX/XXXX stating on XX/XX/XXXX that the original was mailed, as of XX/XX/XXXX, ,today is XX/XX/XXXX and no mail has came to me,, this is not right this company has violated my rights as a consumer and the account needs to be removed from my file,,, the account is reporting inaccurate on my credit reports,,, please delete the accounts from my file,, or I will filing a small claims,,,
Consumer complaint received 2018-09-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

On Wednesday, XX/XX/XXXX at XXXX XXXX I called Navient and spoke with XXXX ( employee # XXXX ). I was calling to switch my payment plan to my checking account instead of my card due to missed payments. He asked me if I could make a payment that same day and I said no, next week, meaning in 8 days as I get paid biweekly. He said that there hadnt been a payment in 2 months and I explained it was due to my card information. He then explained to me that I would have to make a payment now because my account was past due. He asked me if I noticed that I had extra money in my account and how come I spent it? He said how come you spent that money? At that point I told him that I needed to change the account information so that from now my payments would be deducted from my account directly and he stated to call back when you have the money and then hung up. I was so upset from this conversation that I didnt call back the company until another 5 days after to resolve the issue. When I did call back, I had to problems with the customer service representative I spoke with and everything is now resolved. XXXX was extremely rude and not professional. He asked about my personal spending and wanted to know why I spent the extra money. What if I had an emergency situation? Who is he to ask this information? I have been dealing with Navient since I graduated school in XX/XX/XXXX and I have had rude representatives, but none as rude and unprofessional as he.
Consumer complaint received 2018-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

I closed or cancelled my account for phone service paid in full at the time. I then switch cell providers. They ( XXXX XXXX closed 2 lines leaving a third line opened. Several months went by and I get a bill for 7 months of service. I contacted customer service with my issues to resolve amicably but to know avail. They continued to charge me for service I did not use. This is felonious in nature and should immediately be removed. I did not notice nor was notified of collection until I started looking for a house. This is keeping me from getting a mortgage loan.