davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ThunderRoad Financial, LLC (FL)

I am applying to refinance my home and have 24 hours to get the required documents to them. ThunderRoad Financial does not send paper statements for offer online statements. I called them to request one and they can't seem to produce one. They keep saying they are requesting it from the accounting department, but nothing has been produced. I am not sure what I am supposed to do to get one. I don't believe they should be able to not supply you with any way to access a statement. No where on their site does it even give you information on how much your balance is on the loan. They only offer a payment portal, absolutely no other information.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (OK)

I filed unemployment like many Americans right now and within two days I got an email stating my Way2go card was on its way. That was XX/XX/2020. Today is the XXXX of XXXX and I have yet to see a card. I have called almost everyday this past week only to be on hold for hours at a time or getting hung up on completely. I have never talked to a person. I am also hearing from friends who have gotten through that they are charging {$15.00} for expedited shipping! We have waited weeks for money we desperately need and they are taking advantage. Who knows if an original card was ever sent. Nothing takes weeks to mail in the US. But we are at their mercy to spend hours and days on the phone then pay to get what we should have gotten two weeks ago. Something is seriously wrong here.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (NY)

This is NOT a duplicate complaint. I am STILL sending the company messages and NO ONE is STILL responding to me. As late as LAST week. So no, this is not closed as they are STILL IGNORING me.
Consumer complaint received 2017-09-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

I took out a private loan in XXXX of 2008 to pay for school in the amount of XXXX. My father is a cosignor on this loan. Unfortunately this many years later I have only been able to secure employment that is equivalent to that of minimum wage, whether its not full time hours or a low hourly wage. I have rent, I have bills. My mother got sick in XXXX and my dad took off work to take care of her. Both have not been working. We have fallen behind on payments. I have done everything under the sun to fix this problem and I have come up with nothing. The loan is serviced through American Education Services and was originally a loan from XXXX XXXX, that has since changed to XXXX. I understand XXXX is in the middle of a lawsuit and I would like all the information pertaining to this as possible. When asking about deferment, forbearance, or forgiveness options, XXXX is very vague. I neglected to mention that the loan is now XXXX because all of the payments made have been towards the interest and not the principal. I have offered to pay the loan off in the amount of XXXX just so that this problem can be resolved I am awaiting XXXX XXXX response. This situation has me very stressed, angry, and depressed. I feel as if it is placing a strain on my relationship with my family. I am at a crossroads where I literally do not know what to do.
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kolter Financial Services, LLC (FL)

I was trying to refinance my home via XXXX XXXX  and XXXX XXXX. Starting near the end of XX/XX/2021. I gave them permission to pull my credit. XXXX weeks and lots of lies later when the deal fell through, they pulled it again on XX/XX/XXXX. without my permission in a desperate attempt to come up with a deal with another company. This happened after I had severed ties with XXXX XXXX and XXXX XXXX  on or about XX/XX/2021 

When I was notified that another hard credit pull had been done from a company I didn't recognize, I contacted XXXX, XXXX and XXXX. I discovered that the pull had been initiated by XXXX XXXX. 

I tried with all three credit reporting agencies to get it removed and was informed that an 'in error ' letter had to be provided to XXXX by XXXX XXXXXXXX XXXX. Apparently XXXX XXXX acted as an agent for XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX 

They have not provided me or XXXX or any of the credit reporting agencies with the requested letter. 

I now have a 'to many inquiries ' designation on my report and a credit denial from XXXX for a loan I had cancelled a week prior. 

XXXX XXXX repeatedly told me 'he was learning ' during the XXXX weeks we tried to do business with him. 

Apparently he hadn't learned that you have to get permission for each credit pull. I did not give him permission to do another hard pull on my credit. 

XXXX XXXX insists that hard credit pulls won't affect you XXXX XXXX because they're related to mortgages. XXXX XXXX insists that a 'denial ' won't affect your credit. Both do. 

They will stay on my report for at least 2 years. 

Happily, I have secured a mortgage through a credit union and the process went very smoothly. 

Run away from these guys unless you want to become an ugly learning experience for them especially XXXX because he really is incompetent to be doing this kind of work. XXXX XXXX is basically the gangster, bargain basement, used car salesman of the lending industry..
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (PA)

Discover calls everyday at least 5-10 calls per day ... sometimes twice per hour. This is harassment at its core. But I have asked them to stop yet they continue so it is now illegal and I am asking for your help to make them stop calling me.
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I own my house, but the mortgage is in my deceased step-father 's name. I have always paid it, but LoanCare, claims I missed payments ( I have proof I did not ) and they now refuse to accept my payments. I had a lawyer contact them, but they did not respond. I am afraid my house will go into foreclousure and they refuse to talk to me or give any information. I am elderly and I need assistance.
Consumer complaint received 2020-04-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have reached out to Experian to ask to remove the loan for a car loan from XXXX XXXX XXXX in the amount of XXXX it was originally supposed to be settled with company in the amount XXXX which was done in XX/XX/XXXX as settled instead it was put on credit as charge off. I have send forms paper mailed out forms and complaint XXXX XXXX nothing again XX/XX/XXXX instead they added it back to my account and recently damaged my credit. Im asking this loan is settled to please remove my account or atleast to please stop the damage to my account. Im not getting help from anybody
Consumer complaint received 2020-12-08
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2024-06-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CT)

On XX/XX/XXXX, I received a letter from Discover Student Loans ( dated XX/XX/XXXX ) stating : " We are compensating you because we could not confirm authorization for one or more payments withdrawn or attempted to be withdrawn from your bank account. We are refunding the amount of the withdrawn payments and are compensating you an additional amount for the time it took us to correct the issue, for a total amount of $ XXXX, XXXX. The credit for these payment ( s ) will remain on the loan ( s ). 

We are compensating you an additional {$25.00}. 

We have enclosed a $ XXXX XXXX  check for the above compensation. 

We are taking this action in accordance with the terms of the consent order the Consumer Financial Protection Bureau issues in XXXX against Discover Bank related to student loan servicing.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. I've contacted The credit reporting agencies, and my banks multiple times about inaccurate information on my report. I've sent debt validation demand letters, and They refuse to provide me proof of two accounts that aren't mine. 
A. XXXX XXXX XXXX the debt is owed by a business, and not mine. 
B. XXXX XXXX XXXX ... it was opened in XXXX XXXX where I've never been.. Used/maxed in XXXX XXXX which I've never been to. I disputed it for years ... No validation of debt ever given. So I gave in and paid it... it still reports as a charge off 5yrs later!!!! 

2. XXXX and XXXX XXXX XXXX XXXX had me in a COVID payment arrangement on my car and credit cards and still reported me 30 days late. I contacted the banks first who both XXXX from XX/XX/XXXX and XXXX XXXX from XX/XX/XXXX directed me to dispute the late pays thru the credit agency 's... I disputed these with the credit agencies multiple times l. Everytime they come back with the late payment validated. I've spent hours on the phone with XXXX, XXXX XXXX and the credit bureau 's. Nothing has been fixed. I emailed 8 corporate officers with XXXXXXXX XXXX  and not one responded... These late pays and wrongful reporting have prevented me from refinancing my home, and my rental property which has a balloon coming due ... .i lost  my home because I couldn't refinance in XX/XX/XXXX. 

3. I was a victim of XXXX data breach and I have over 60 credit inquiries on all 3 bureau 's, I've NEVER made ... Thankfully my score was so thrown off from the inaccurate reporting the scammers couldn't do anything but apply and get denied. I've disputed these multiple times since the data breach without any results. 

I'm now on the verge of losing my rental property/only income to feed my kids with ... due to the inaccurate reporting. 

I demand immediate proper validation of EVERY single item open or closed your reporting on my credit.. And each item you can not provide proof for will be deleted immediately until you can provide proper validation. 

F

CRA 15 usc 1681i 602A states I have the right to privacy. FCRA 15 usc 1681i 602A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

Fines associated with these violations could be {$1000.00} per violation. 

This is my final demand before beginning litigation.
Consumer complaint received 2021-09-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I received your correspondence on this alleged accounts stating you verified and updated these accounts XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

XX/XX/XXXX.2017. A wire transfer was made in the amount of {$55000.00} to a vendor in XXXX XXXX known by us ( Company ) for many years. Correspondence continued  back and forth until transfer was made. When vendor did not confirm receipt of funds, we discovered that we had been defrauded and that the long email address was missing one letter. 

Our bank was contacted as soon as we realized what happened and asked them to recall the wire. However, our bank uses XXXX XXXX as the intermediary bank for international wires and the receiving bank was XXXX. Despite numerous telephone calls, emails and police reports, neither our bank, Santander or XXXX XXXX responded to us as of today. We were told that XXXX XXXX " attempted '' to communicate with XXXX to recover the funds, but XXXX has not responded at all. 

We are an extremely small company and the possibility of someone intercepting our emails and knowing that we are making international wire transfers is highly unlikely. We believe that either Santander and XXXX XXXX data has been compromised or that someone in these organizations is selling the information to a fraudulent entity. There is no indication that either of these 2 organizations have done anything to stop this from happening to other companies. As far as XXXX, we believe that they are harboring fraudulent entities in their countries because they had all of the information of the " person '' who received this wire, however, they have done absolutely nothing.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

The online system was used to create an account with WellsFargo ( WF ). WF did not create the account. Instead, they advised me to go to the bank for ID verification. I have no intentions of going to any branches in the middle of a pandemic and risk my life with COVID. There was no option given to withdraw or cancel the pending application. Without further contact WF triggered some type of SAR activity on my resulting me unableto procure another checking account with another lender. WF has a history fraudulent activity against subscribers including faking accounts. They have been subject penalties before. WF is a predatory bank which discriminates against non-whites and creates a hostile banking environment for minorities. This is how they force people into signing up with them. I checked XXXX report, it is fine, nothing on there. There is no legal and lawful reason to entrapping me into going into their branch only to open an account and to close the account. Whatever they are doing is awful is another example of the US banking system failure. The entire system needs to be disinfected. It is a plague on humanity. I am not going to their branch. I know I am a real person with real IDs, and I exist. I am not imaginary. I do not need to them verify me. My mother verified me when she gave birth me. I do not want account with this lousy bank, and I do not want to go their branch only to open an account to close right after. You can not even walk down the street with fearing for your life from COVID, police, can not travel, can not sit on airplane, can not open accounts, can not find work, can not get healthcare, and can not do anything. The worse banking system on the planet. At least the XXXX XXXX knew their system did not work and decided to put an end to it. These mega banks do not work for us. This is not a democracy. I have zero agency over these anti-competitive monopoly banks. This is not even free market capitalism. Break these banks up, and distant their hold on consumer power and our ability to control our won funds. This is why the XXXX world welcomes the Rise of XXXX. 
I go through enough verifications in my life. I am being verified for over 30 years now. I can not even XXXX without being verified. XXXX XXXX has less verifications than this god-awful failed system of verifications. Life in America is XXXX, and coloured people are living in a never-ending nightmare. Why dont you tag coloured folks like the XXXX tagged people with tattoos in the camps and chip us like monkeys? I have to verify myself to give them my money. They are delusional if they think I will go in their COVID city branches and interact with them face to face in the middle of the pandemic. I do not even go to the hospital for urgent healthcare. What planet are these people living on?
Consumer complaint received 2021-09-22
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: EQUIFAX, INC. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2019-08-19
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I got an auto loan with Santander Consumer USA in XX/XX/XXXX. I set up auto payments before I left off to XXXX XXXX that XX/XX/XXXX. There was a mishap and I missed some payments and they charged my account off but never had possession of the vehicle , I finally figured out what was going on and caught my payment sup to date. Fast forward to XX/XX/XXXX when I'm still making monthly payments on a CHARGED off account. I decided to go XXXX XXXX and sent in my contract to Santander Consumer USA.  I was told about SCRA benefits and called and the benefits took affect almost immediately dropping my interest rate to 6% and they stopped reporting to the credit bureaus, which they did. I was monitoring my credit and seen that they removed the reporting so I called and double checked and made sure everything was okay. The representative then told me to sign a waiver so they could start reporting back , at this time in in XXXX so they were to take our phones and I will not have any access to keep communications with them. They waiver was sent to my home back in XXXX XXXX while I was in XXXX XXXX, XXXX. So there is no way I could have signed the waiver they sent out and I clearly have military orders stating I would be in XXXX  at that time and had no access to that waiver. I called and constantly begged for them to do the right thing and delete the account from the credit reporting but they will not. Its getting to the point where I would want to take this legal but I do not have the funds or time , that being I am constantly training and away from home due to being XXXX XXXX military. My father whom has XXXX , thought it was his mail he received. can clearly see the dates I was not at that location and I tried an call to explain the case but they ere not listening . any human being with common sense could see those dates are not matching up. I even tired once I got XXXX for operation faithful patriot and they still did nothing about it , by obeying their policies.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

This refers to several complaints to CFPB to which the company has given evasive responses, last of which was dated XX/XX/2021. 
The company not only had an obligation but also a legal duty to disclose the visitor policy. In fact, the company has now admitted that they did not disclose the visitor policy. Visitor policy is a " material fact '' that the creditor was required by California fraud law to disclose. Merely stating that they had " no obligation to disclose the visitor policy '' does absolve the company in any way. The company has " failed to disclose material facts '' and therefore committed fraud under California law. In its last response, the company has admitted that it committed fraud.
Consumer complaint received 2020-07-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (WA)

I entered the Public Service Loan Forgiveness program about 6.5 years ago. My loan amount that was transfered was XXXX XXXX.They placed me in the Income based repayment ( IBR ) plan. From XXXX to XXXX of XXXX, I paid {$300.00} a month for student loan payments. In XXXX of XXXX, my payment jumped to {$550.00}. I called and complained. I was told that this was part of the forgiveness program repayment. I asked it they have a better plan that did not charge as much. I was told that this one was the most flexible.This went on until XXXX of XXXX when they jacked it up again to {$610.00}. I called and complained, again. They stated that if I fill out the IBR form to recertify, my payments would drop. I filled out the form and it took until XXXX to reduce it down to {$480.00}. At this time, I noted that my loan balance was {$48000.00}. In XXXX of XXXX, the payment went up again to {$520.00}. They raised it again in XXXX of XXXX to {$570.00}. It was explained to me when I entered the program that it freezes the interest and you pay down the principal balance so you basically get the interest forgiven.Looks like I am not getting even that. I have paid them {$34000.00} so far and yet I still owe {$36000.00} .The new recertify form is stating that my payments are set to go back up to {$600.00}. I have done the math, at this rate I will have paid off the loan with their repayment plan. In which case, there is NO LOAN FORGIVENESS!!
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (MO)

SOURCE RECEIVABLES MANAGEMENT has violatedmy consumer rights pursuant to the Fair debt collection practices act, fair credit reporting act and more. They are stating I owe an alleged debt, understand I do not owe any allege debts. My identity has been stolen by SOURCE RECEIVABLES MANAGEMENT, this is identity theft because they have my private person information without consent. I do not have any contract with SOURCE RECEIVABLES MANAGEMENT and they are attempting to coerce me the consumer, defined in 15 usc 1692a ( 3 ), to pay an alleged debt not owed. I have sent SOURCE RECEIVABLES MANAGEMENT a cease and desist, identity theft report, and enforcement action with affidavits all certified mail/return receipt XX/XX/2021