davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp. (CO)

We have fallen behind on our auto loan through united auto credit. We moved to a different state to get fresh jobs going. I want to work out a resolution, but when you speak to these people it 's like talking to angry kid that got there candy taken away. They are the most unprofessional people when dealing with them. Not only do they call me in the mornings before XXXX they are calling my family and relaying information about my loan to family. Which I know I have rights and may pursue. They are extremely demanding hateful and rude.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

Hello, My wife and I called XXXX XXXX to get an estimate on how much money it would cost us to file our taxes. They said we would have to come into the office and bring our documents for them to see to give us the estimate. When we arrived at their office XXXX XXXX said that our initial consultation was free and they would start charging once the work started. At that time we asked XXXX what the next step was, and we were informed that we needed to pay {$75.00} for a power of attorney so they could access our paperwork. XXXX took longer than what seemed necessary to get the form entered on the screen and we questioned her if she needed help entering the info on the screen. We assisted her with the information repeatedly to get it all entered, and finally got everything entered. Unfortunately we felt that after this process that possibly XXXX may have some difficulty doing her job, and did n't feel confident in using the firm. We called her secretary following this appointment to discuss whether XXXX is having cognitive or senility difficulties. The secretary asked us if we were going to continue to use their firm, and I said no. We expected to get the bill for the {$75.00} for the power of Attorney, but when the bill came in the mail it was for {$890.00}. 
I feel this is a gross misuse of billing. I was told the estimate for the work was free. Than XXXX took a long time talking about her other clients and what she does for them, giving examples of what she has done for them. It looks like they are charging us for listening to her long drawn out sales pitch. I am only willing to pay the {$75.00} that we agreed to pay for the Power of Attorney for to be submitted online. This we already consider a loss based on the fact that we did not feel comfortable to have them actually do our work. I contacted them to complain about the bill, and they said they are charging me for the time. I said " What time '' I was told free estimate and {$75.00} for the power of attorney. I also said " You did n't do anything for us to justify charging us {$890.00}. Are you you trying to take advantage of us? ". They refused to hear our opinion, and now we have a second bill from them through a Bill collector called IC System. This is completely unfair.
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

On XX/XX/2020, I provided a {$2500.00} credit card deposit to a merchant, XXXX XXXX, for the construction of a patio. Work was scheduled to begin on XX/XX/2020. This work was not completed, the merchant stopped communicating with me, and I found reviews on XXXX  web site and other review sites detailing how the company took a downpayment, then never completed the work. 

On XX/XX/2020, having done my due diligence to obtain a resolution with the merchant, I disputed the charge with the credit card company. 

On XX/XX/2020, I received a phone call from the merchant, where I requested a refund of the downpayment and was told that it would not be provided. I reported the merchant to the PA State Attorney General 's office. 

The merchant 's response to the State Attorney general was that work was not completed. I have documentation to support that statement. 

The merchant 's response to the credit card company was that work HAD been completed and the merchant wasn't sure why I was requesting a refund. The credit card company requested information from me that would refute the merchant 's claims. 

After providing the credit card company with documentation to show that the merchant 's response to MasterCard was false, the investigators determined that the merchant was " working with me '' to complete the work and denied my request for a credit. I disputed this result and later received a notification that if I could provide proof that the merchant was providing me with a credit, the case could be re-opened.
Consumer complaint received 2015-05-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Coastline Financial Resources, LLC (CA)

This is a company that goes by the name XXXX XXXX. They have been harassing my family and my in-laws. They even called my fianc at his place of business. They are threatening to sue me for a debt that is beyond the statute of limitations. The debt is over 8 years old and is no longer on my credit report.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I had a minimum payment due of {$50.00} with XXXX XXXX XXXX  on XX/XX/XXXX. My bank shows my payment ( of {$200.00}, four times the amount due ) sent electronically the day payment was due, XX/XX/XXXX. Synchrony Bank claims they didn't receive the payment until the following day, XX/XX/XXXX. They charged me a {$30.00} late fee on a {$50.00} payment due that was, at most, hours overdue. They also refused to provide documentation showing that the payment was received late. They refused to reverse the late fee, stating they only do a " courtesy late fee adjustment '' once every 12 months, and they had done so on my account in XXXX 2023 ( under similar circumstances ).
Consumer complaint received 2021-01-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TIDEWATER FINANCE COMPANY, INC. (IN)

The last statement I received from the company was XX/XX/XXXX and it indicated that the loan balance was {$610.00} with a payment due of {$310.00}. I made my XXXX payment on the XXXX. Which would have made my remaining balance due for XXXX {$300.00}. I paid my next payment on XX/XX/XXXX. I never received a statement for the month of XXXX. I called on XX/XX/XXXX to ask when title paperwork would be mailed and was told I owed more money. I asked at the time for a statement to be mailed because I never received one. I was informed one would be sent. I called back on XX/XX/XXXX because I still hadn't received a statement and was told again that I owed more money and that a statement would be mailed. At that time I spoke with a supervisor named XXXX who told me he would look into it and call me back. I called back on XX/XX/XXXX, still no statements, no call back and was told they were still looking into it. I call back on the XXXX, was placed on hold while the customer service person said she talked to XXXX and their was no new information but that I should get a statement for XXXX. I call back on XX/XX/XXXX after still not getting a call back or statement or title and speak to manager named XXXX. She tells me that they are still reviewing my account. That brings me to today XX/XX/XXXX. I received a call from someone named XXXX who said she was a assistant manager and that my statements were turned off on my account and she was going to email me an account history and she didn't know why I didn't receive any statements the last few months or why my account was reported to the credit bureaus as paid in full. I made my last payment XX/XX/XXXX. I want my title paperwork. I reaffirmed on my loan and continued making payments. Now my car should be paid off and they won't give me my title paperwork or prove that I owe more money.
Consumer complaint received 2015-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans union is charging me XXXX dollar every month buy their services are do weak Over the phone. They do n't protect the members customer service which is in XXXX doest know what is credit score is or how they can assists me. Previously deleted items after investigation that they does belong to me were inserted after several months latter. They have mislead me and became bias which is FCRA violation.
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Cadence Bank (MS)

On XXXX XXXX we received a letter from BancorpSouth stating that our loan will mature on XXXX and that they will not renew the loan. They are requesting payment in full for the balance of the loan by XXXX ( {$150000.00} ). We would not be able to do this. Our copy of the loan shows the maturity date to be XXXX and the loan number on our copy is difference from the XXXX on the letter we received. 
This loan is for XXXX commercial buildings in XXXX, XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I tried to make a transaction for an airline ticket on XX/XX/XXXX. The amount was within my unused credit amount. The CC company is Capital One. I have had this CC for over a decade. This triggerred a fraud alert. My account is linked to a land line and the CC company asked me for verification which I attempted to give them. They wanted a photo copy of my driver ; s license which I attempted to give them on line. It did not work. ( Do not know how my drivers license info would be kept private by Capitlal Onre ). I gave up after trying for 3 hours to get this recolved on XX/XX/XXXX. The person ID I spoke with is XXXX, I then got the transaction done on another CC that I have. 
On XX/XX/XXXX I called Capital One on another issue. I was immeadiatley sent to Fraud and asked if I had sent a snail mail copy of my drivers ' license to Capital One. I stated to them that I had not and do not intend to do so since I had gotten the transaction done thru another CC. capital One was adament that I needed to send in the drivers license even though I no longer wanted the transaction for the airline ticket. I have been using the CC since XX/XX/XXXX so I do not know why I need to comply.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am an XXXX Service Member in the XXXX. I attended the financial briefing in XXXX from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites. 

Please advise! 
XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2016-06-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ASSOCIATED BANC-CORP (WI)

They update my account balance to maximize fees in their favor. I always check my balance before purchasing anything. They charged me {$35.00} on .XXXX after i put {$4.00} in my account to cover the .XXXX. They dont process things for days even though it shows the money is spent just so they can try and get people to overdraft
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

In XX/XX/2021, my loan was transferred to Mr. Cooper. I was in a forbearance with my previous lender after losing my job from Covid-19. The forbearance ended at the end of XXXX. I contacted Mr. Cooper ( formerly known as Nationstar ) and the resolution they offered was a loan modification. They then required me to make " trial '' payments for XXXX, XXXX and XXXX. I was then told do not pay anything else until they send me the final loan modification documents. I made all 3 trial payments. I was supposed to get the modification document in XXXX and now its XXXX. Every time I call them, I am given a different answer and the runaround. Furthermore, Mr. Cooper did not even tell me the ramifications of a loan modification. They keep telling us the paperwork is in the mail and the fees and owed amount keeps going up. We feel like they are trying to scam us or take advantage. We feel like they want to gain more fees and interest or take our home from us. We just want to begin making payments on our loan modification. Not sure who to turn to or should I hire an attorney.
Consumer complaint received 2016-10-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (DE)

On XXXX XXXX, XXXX, my fiance and I entered into an agreement with XXXX XXXX of XXXX XXXX to purchase a condominium in the property located at XXXX XXXX XXXX XXXX, Delaware. The initial hold deposit of {$100.00} was paid at that time. A few days later we were to return with a deposit of {$500.00}, as well as a 50 % deposit on the upgrades ( {$4200.00} for wall paint colors, carpet and certain hardwood flooring, appliance colors, and backsplash in the kitchen ). The upgrades were to be made once the financing was approved. 
By XXXX XXXX, the {$4200.00} check had been cashed/deposited, and the upgrades began. 
On XXXX XXXX, we received the first mortgage denial letter from PNC. The reason stated was that the application was incomplete. All of the documents that the PNC Loan Officer- XXXX XXXX requested were delivered promptly within two or three days. He said everything would be fine. According to the contract, the seller, and the Loan Officer ( LO ), we were due to move into our unit by XXXX XXXX, XXXX. On XXXX XXXX, we were asked by the LO to come up with an additional {$3800.00} to close. Against better judgement, we were came up with the additional money ; only to find out we did NOT have a mortgage approval-and never did. According to information discovered much later, the application was never even reviewed by a PNC Underwriter. 
Our money has been used for upgrades to a unit we will not be approved or allowed to occupy and it seems no one is willing or offering to refund our money. 
Meanwhile, while we were expecting to be out of our current apartment and had given proper notice ; we had to agree to the additional costs ( {$100.00} more per month for 5 months-XXXX through XXXX ) of maintaining a month-to-month lease, while this matter dragged on and on and on. It was during that time after creating this fiasco, XXXX XXXX stopped taking our calls and responding to our messages. XXXX XXXX, knowing XXXX XXXX had conducted his business in the same manner with at least one other prospective buyer, introduced us to another Loan Officer with PNC, XXXX XXXX ( XXXX XXXX XXXX Mortgage Loan Officer PNC Mortgage, a division of PNC, N.A. 
XXXX XXXX XXXX Local Office : XXXX XXXX XXXX XXXX, DE XXXX PNC Financial Services Group XXXX, PA XXXX ( p ) XXXX ( fax ) XXXX XXXXXXXXXXXX ) After several conversations and meeting in person with XXXX XXXX we showed him the message from XXXX XXXX telling us to " disregard the denial letter, WE WERE APPROVED ''. XXXX XXXX then said he would take this to his boss, XXXX XXXX XXXX, ( XXXX ) and he was sure PNC would refund our money. His subsequent message was that they were shocked when that did n't happen. We were finally forced to renew our lease for another full year at our current residence.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I was recently the victim of identity theft. I have therefore been regularly checking my credit reports online through XXXX. However, for several months now, despite initially being able to access my Equifax report online, I now regularly get a message noting that my report is not available online and instead I have to request a report by mail.
Consumer complaint received 2016-05-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (GA)

I have had a Best Buy credit card since XXXX XXXX and have always had an excellent payment history. Over the years, I have spent XXXX dollars at Best Buy. 

In XXXX XXXX, I paid off my balance of {$10000.00}. In XXXX XXXX, XXXX XXXX renewed a protection plan for a computer we no longer have and that I was unaware was being charged. Since my Best Buy account was paid off, I had n't received a statement in months, and had in the meantime changed my email. So I was not receiving notices sent to the old email. We received automated calls from Citi, but as there was never a person on the line, we assumed they were another sales call. 

I did n't become aware of these charges until Apr XXXX when checking my credit report. By this time, with several months of late fees added, my balance was {$170.00}! I was sure that having been an excellent long-time customer of Best Buy, I would have no problem having these changes reversed once it was explained that I never received any of these statements. I was told by Citi to contact the XXXX to have their charge reversed, then they would review late charges. When I contacted the XXXX, the rep said she could n't reverse the charge, and she was extremely unhelpful. Despite repeated requests, she refused to let me speak to a manager or anyone else who might be able to authorize having these charges reversed. Even though I was upset with the way I had been treated, I decided to go ahead and pay the charges so as to keep my Best Buy account as well as to protect my credit rating. Within a day or so when I was able to go online to make a payment, I found that my account had been closed. I was never informed that this was happening. I have enclosed attachments showing the statements in regard to the above figures. 

I have been an excellent Best Buy customer for years and am very upset and shocked at the unfair treatment I received from Best Buy. It is unbelievable to me that they would be willing to lose such a good customer over {$32.00}! This has had a very negative impact on my credit rating. I am hoping that you will review the circumstances surrounding this incident as well as my previous record with Best Buy. I am hoping, at the very least, to have this record removed from my credit report. 

Thank you.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (AR)

For multiple months at a time, I have disputed, submitted, faxed, mailed letters, police reports and court documents to Equifax in order to remove unauthorized accounts and inaccurate information. I have also placed a fraud and freeze alert on my account. Many times of which the dispute results returned within a couple of hours with zero changes or updates. This has been a very tedious process without any help. I feel violated, very compromised and devalued as a consumer. These companies are suppose to be in place to help the consumers, not hinder. I would greatly appreciate any help received to resolve this situation. 

Inquiries : police report provided to Equifax XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX  XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, 2020 XXXX XXXX XXXX XXXX  2020 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XXXX 2020 XXXX XXXX XXXX XXXX  XXXX XXXX, 2020 Accounts : XXXX XXXX XXXXcourt documents provided to Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2016-12-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

They keep calling me while I am at work. I have asked them to not call me during the hours of XXXX. I also emailed their main office asking them to have the local office not call while I 'm at work.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

On my credit report, it reports that I have an account with XXXX bank '. This is incorrect information because I NEVER opened an account with this company. I called the company at the following contact info : XXXX BANK, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX ( XXXX ) XXXX. I gave the representative my information ( ie. name, address, social security # XXXX to see if I have an account with them and they confirmed that I do not. However, this account keeps showing on my credit reports and it is ruining my credit score.
Consumer complaint received 2022-02-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

on or around XX/XX/2019 my house fell into foreclosure during divorce. I worked with a ( XXXX XXXX ) representative from fifth third bank for a modification of the loan which was confirmed to be completed before XX/XX/XXXX and then the rep was on vacation for two weeks and never processed my application and it got sold at Sheriffs sale a week later, even though I was assured I was not going to lose the property-I have tried every legal source other than hiring a private attorney and no one can help
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES and or bankruptcy from my credit report immediately.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MI)

I am filing a complaint because Experian has ignored my request to provide me with the documents their company has on file used to verify the accounts I disputed. My dispute has extended past the 30 day mark without Experian verifying these accounts. Under section XXXX ( XXXX ) ( A ) of the FCRA - They are required to ... '' promptly delete all information which can not be verified. '' This matter is prohibiting me from obtaining credit. Please resolve this matter as soon as possible. Thank you