davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CA)

Received unsolicited debit card from US Bank due to a fraudulent Colorado unemployment claim made in my name. Trying to contact US Bank to rectify this has been impossible due to their horrible customer service phone service.
Consumer complaint received 2020-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (AZ)

Company calls me on behalf of XXXX express many times. Indites a completely different person who owes THEM a debt, not me. They have my information since I have the same name as the person who owes them. They are giving me personal information for the person who owes them and asks me to connect them to the person. I've yelled at them and asked them to stop immediately! I just received another call  XX/XX/2020 XXXX This is against the law! I should not know about this other person 's financial situation this company continues to call me over and over again.
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P. (FL)

I contacted the company Credit Protection Association in XXXX Texas and paid them the amount owed per their contract with the original creditor XXXX in XXXX Florida. I am currently purchasing a home and asked them the supply a letter stating the account is paid in full. After contacting them several times over the last three weeks beginning XXXX XXXX, they stated will take 24-48 hours to update in their system. And I will receive a letter in two weeks, when I moved out of my apartment on XXXX XXXX, I still had not received the letter. 
I contacted them again on XXXX XXXX @ XXXX EST and they still have not supplied me with a letter stating the account is paid in full. 

I spoke with the Floor Supervisor, XXXX, who puts me on hold and 22 minutes later, tells me they emailed me, but than states she wants me to give me the name of the lender with my personal information and they will call them. 
I stated I would like the letter they promised when I contacted them on XXXX XXXX.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. 
Washington, DC XXXX RE : Not Reporting Revolving Credit Card Accounts As of the date, I am challenging the inaccurate of my Mastercard CC with Capitol One and its inaccuracy reporting. Its not showing that I have an open credit card account for over 2 years, and as a result its lowering my credit score with no revolving credit, and added my credit card wasnt being reported to all 3 credit agencies as well. Furthermore, I would like the corrective action - the first step is for my credit card account to now show as on time payments from 2 years ago and alongside to reporting positive financial records to all my credit reports as well. Thank you for investing your time in me. 

Sincerely,
Consumer complaint received 2016-12-16
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Santander Consumer USA Holdings Inc. (NY)

This is the occurrence where Santander Consumer USA has contacted my job without my permission or disclosure of my workplace. They have researched my private information to obtain my work numbers at both XXXX NY Office ( months prior XXXX ) as well as XXXX XXXX XXXX today ( XXXX/XXXX/16 ). They have caused me great embarrassment by expressing they are calling to collect a debt while speaking to unauthorized individuals. They have provided false information to intimidate me into making a payment, stating that I will ruin my credit indefinitely and will not be able to get a loan again. ( in definite terms ; and providing credit assistance to further their goal of payment ). They have been uninformed since the accident of my vehicle claiming my car is to be repossessed never acknowledging there was no vehicle to repossess since it was a total loss. I have expressed that matter to them on numerous occasions. They have a towing companies call my personal number unnecessarily. Todays invasion is the last time I will endure their harassment silently.
Consumer complaint received 2015-08-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I traded in my Honda Pilot, loan # XXXX, on XXXX/XXXX/15. The dealership who purchased the vehicle from me sent a check to Wells Fargo Dealer Services on XXXX/XXXX/15. Wells Fargo Dealer Services does not acknowledge receipt of this payment and refuses to research the payment without the certified mail receipt number. I have offered to send them a copy of the payment invoice, but they refuse to investigate.
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XX/XX/19 AS OF TODAY ITS BEEN TWO WEEKS SINCE WE HEARD BACK FROM ARE POINT OF CONTACT XXXX! WE WERE TOLD BY A SUPERVISOR TO RE-DO A RMA! WHY SHOULD MY HUSBAND HAVE TO REAPPLY FOR A MODIFICATION WHEN WE WERE LIED TO AND SLS COMMITTED FRAUD! THEY HAVE BEEN NICE TO US IN THE  PAST SINCE WE WERE SOLD TO THEM YEARS AGO BUT ENOUGH IS ENOUGH WE WILL DO ANOTHER RMA FOR A MODIFICATION WE WILL NOT LOOSE OUR HOME WE HAVE BEEN HERE FOR OVER 26 YEARS! AND I WOULD LIKE TO KNOW WHAT HAPPENED TO THE XXXX I DONT KNOW THE EXACT AMOUNT * IT WAS WHEN XXXX WAS PRESIDENT HE HAD THIS HAMP THING FOR PEOPLE WHO NEEDED HELP WITH THERE MORTGAGE AND A % WAS TAKEN OFF OUR MORTGAGE I WOULD LIKE OUR LOAN TO BE LOOKED OVER BECAUSE SLS PUT THE XXXX ( AGAIN I DONT KNOW THE EXACT AMOUNT IM LOOKING FOR THE XXXX ) BACK INTO OUR BALANCE WHICH IS FRAUD! THAT MONEY SHOULD BE PUT BACK INTO OUR MORTGAGE BECAUSE WE DONT OWE WHAT THEY ARE SAYING ITS MUCH HIGHER NOW BECAUSE THEY ADDED THAT BACK IN!
Consumer complaint received 2015-09-15
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO. (NC)

I had a credit card with Washington Mutual Bank which was bought out by Chase Bank who then reissued the card with the Chase Bank Logo on it. In XXXX my husband became unemployed for 6 months and we had no income whatsoever. Chase bank refused to work with me and marked my account as a charge off. At that time there was a balance of approximately {$2000.00}. At current this debt shows on my credit reports with a balance of {$3500.00}. I would like to file damages under File No. XXXX In the Matter of : CHASE BANK, USA N.A. andCHASE BANKCARD SERVICES, INCFurther I would like to have this item removed from reporting on mine and my husbands credit bureau reports.
Consumer complaint received 2024-03-13
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IN)

Synchrony bank approved me originally for XXXX dollars to use towards the purchasing of furniture at XXXX XXXX XXXX XXXX. I have a good credit score and my payments were always on time. I kept my account in good standing and never asked for any changes that would affect the account. Several times in XXXX and XXXX of XXXX they lowered my available credit due to high utilization primarily even though that is hypocritical and took away the utilization I had built up with that card. It had a negative impact on me as it hurt/prevented my credit score from building up. I did not ask them to run checks on my credit report and have always stayed consistent. Culminating in them closing my account without preemptively calling or obtaining my permission on XX/XX/XXXX. I don't think it is fair for a lender to treat a person that way especially after giving them business and interest.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXXHAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM
Consumer complaint received 2017-02-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (SC)

XXXX XXXX MILES ( XXXX MINUTES ) FROM AIRPORT GENERAL INFORMATION : Secure, uncovered, self parking. Fenced, gated, and well lit at night. 24 hour video surveillance. 
My auto was repossessed by Santander when I parked my auto at the XXXX ( XXXX GA ). They advertised it was secure parking but Santander was still able to repossess my auto. The repossessing vendor stole several multiple items out of my automobile when I went to claim my personal belongings. This repossession took place on a private and secure property and should not have been allowed to happen by the property owners. 
XXXX MILES ( XXXX MINUTES ) FROM AIRPORT GENERAL INFORMATION : Secure, uncovered, self parking. Fenced, gated, and well lit at night. 24 hour video surveillance. 



COMPLIMENTARY SHUTTLE SCHEDULE : 24 hours a day - every 20 minutes Shuttle return instructions and phone number will be listed on your reservation receipt. 
Domestic Terminal Only.
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (CA)

I am currently XXXX, and a XXXX Veteran I have been taken advantage by my mortgage company Planet Lending and the realtors they are working with to force me into a short sale which has valued my home XXXX less than what it worth. On XX/XX/XXXX I received a threatening letter from the realtor ( see attached ) stating that my home would be foreclosed on that day if I did not go through with the short sale, furthermore the letter urged me to contact Planet Home Lending and they would not be mad at me. Operation Reach reviewed my documents and found out that Planet Home Lending was assigned the loan on XX/XX/XXXX, I received a denial letter for a loan modification dated XX/XX/XXXX. Planet Home lending filed a Declaration for a Notice of Default on XX/XX/XXXX, which is not 30 days for my appeal which is mandatory in the State of California. Planet Home Lending has violated the homeowners bill of rights and I believe that both the Realtor and Planet Home lending are working in concert to take my home.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

Ocwen took over my loan XXXX XXXX. My mortgage has been a total nightmare since. 

The most latest issue is as follows : Please find attached documents for your review ). 

I was approved for the Florida Hardest hit fund ( HHF ). Monies were actually funded and posted to my loan on XXXX/XXXX/XXXX in the amount of {$50000.00}. 
Ocwen sent me a " MODIFICATION OF PROMISSORY NOTE '' which I signed and had notorized. As you can see by the attached document, Ocwen 's Loan Servicing had XXXX persons sign this same document. Promissory Note is entered into XXXX XXXX, XXXX. 
Based on this Note, I started making my monthly loan payments, P & I then add in my escrow, which is {$120.00} for XXXX. 
All of sudden, Ocwen is sending me Default Notices. As you can see by my PAYMENT HISTORY from Ocwen 's Website, my payments are made per our contract, each and every month. Payments are due on the XXXX of every month, I have a grace period up to the XXXX of each month. I live of Social Security XXXX, only, each month. 
Ocwen continues to put my Mortgage payments into a Suspense account each nmonth, rather than posting to my loan. 
Ocwen is now claiming that I owe them over {$2500.00} dollars. They have never changed the payment amount in their system to reflect what is on their contract. 
Now, Ocwen claims the 'MODIFICATION OF PROMISSORY NOTE '' Is 'NULL & VOID '' How can that be? It is my opinion that we agreed and entered into a legal contract together. Now they want to back out of this contract. Can they legally do this? Is it considered to be a legal & binding contract? If so, how can I get them to realize this and change the figures in their system. I have been working with their account Representative " XXXX ''. Her supervisor finally got involved and he escalated it to the Modification Department who states they can not honor this contract since they are claiming my loan can not be recasted. Before the HHF money posted to my loan, I owed approximately {$120000.00}. Then after the monies were posted to my loan my Principal went down to {$75000.00}. 
What Ocwen is doing, is making me pay my monthly loan payments based on thel old balance. I am requesting that the contract of XXXX XXXX, XXXX be honored and the payments are to change according to this contract. Why do I do next? I can not afford an attorney. HELP!!!! I will have no place to live if Ocwen takes my loan into Foreclosure. I pay every month .... 
Your assistance is much appreciated.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS****** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX XXXX # XXXX. This account was charged off in XXXX and closed. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$1400.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$1400.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXXyear ; XX/XX/XXXXyear. Shows late payments, 30 days late XX/XX/XXXX ; 60 days late in XX/XX/XXXX ; 90 days late in XX/XX/XXXX ; 120 days late in XX/XX/XXXX. Reported 49 charge offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an  urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2016-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Services LLC, placed a collections on my account. I submitted a dispute via XXXX and XXXX. The collections was removed on XX/XX/2016, on the same day, Portfolio Recovery Services LLC placed the collections back on my credit report listing it as a new collections. This caused my credit score to drop.
Consumer complaint received 2019-05-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Endpoint Resolution Services (ERS) (KY)

Endpoint Resolutions at phone number XXXX has been calling my parents house, my ex husband, and now ex sister in law repeatedly leaving messages for me to call them regarding some payday loan which I have no knowledge of. I have no payday loans nor have I had payday loans in the past. I dont have all the dates of the phone calls but I know one was today, XX/XX/2019. The thing is they call everyone but me because I have no calls from them and theyve never mailed me documents either. I want the illegal and harassing phone calls to stop, immediately.
Consumer complaint received 2015-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I banked at XXXX for a long time. I had a stellar rating with them. I made a deposit through the ATM and they said it was empty. After asking them to run the security camera 's and verify I did make the deposit and it was a bank error, I had the check writer cancel the original check, write another one, and within days my account was positive again. I was able to resume using my checking account and the bank employee told me " this happens all the time ''. My account was not closed and my rating was still high with the bank. A couple of days after this, I deposited a {$97000.00} check and they allowed me to draw {$3000.00} off of it right away because of my account history and tenure. The next day my account was XXXX out and the " fraud department was looking into it ''. The next day I was told the check was cleared and verified ( Life insurance check as my mother had passed away ), but they handed me a cashier check for the balance and said " XXXX has decided to no longer do business of any kind with you ''. I have since learned they are reporting me to Chexsystems for " ATM abuse and Fraud ''. I was never charged with any fraud, nor did I commit fraud. They continued to let me use my account after the ATM incident, and my account status was not changed. It was the {$97000.00} check that flagged them and even though the check was good, they are still reporting me as " Fraud '' on XXXX. I would like this item removed as I work in the Finance field and any reporting of fraud will indefinitely disqualify me from employment in the future.
Consumer complaint received 2024-03-13
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

My bank sent a cashiers check for the amount of the account with Comenity bank. This was sent on XX/XX/2024. Comenity bank cashed this check on XX/XX/2024 and is refusing to post the amount to the account. They are charging interest and payments while denying that they have refused payment. All applicable account information that is necessary is on the check but they are insisting they have not received payment even though the bank has proof the funds were transferred.
Consumer complaint received 2017-02-21
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, Transunion has me with a comment : " XXXX suppressed '' and because of this they do not release a fico score or anyt debt under Transunion. My lender needs data suppressed to be removed so they can fully disclose any debt and fico score. My loan has been locked and for two weeks I have not moved an inch without this data suppressed not able to be removed. I called over XXXX time and left messages for Fraud department at Transunion and other departments. The fraud department told me I belong to a different department something like the specialty department or something like and they transfer me there but no one calls me back there too. I do not know how to get them to call me and that is the reason I am now in need to file a complaint. I never requested any freeze or fraud guard I never even knew suppressed data was on my credit. I need this removed I need them to call me back and let me move on. It is costing me money every time I extend the lock and now the seller is very impatient and threatened to keep my deposit if if we do n't clsoe soon. please help me. I do n't know what to do. thank you
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have attempted to contact the trustee at the XXXX locations documentation disclosed for the amount I need to pay to reinstate the loan. The number the documentation says to call is always busy. Through the second number I talked with XXXX XXXX on XX/XX/2016. I have not received the reinstatement amount information he promised, even though I was told I would receive the information within three days. The trustees are XXXX XXXX XXXX XXXX and XXXX, XXXX.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

There is some error in my personal informationSome of the address reported are incorrectXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose are placed I have never live and would like to reportAs false information
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (VA)

I tried to cancel my XXXX XXXX miles Amex card via online. I took a screenshot of the chat coz it makes you think you already canceled credit card and someone will call me ( no callback ). So next day i called customer service and person try everything to convince me NOT to cancel my card. At the end he conveniently told me that theres system issue, promise that he got all info to process my request to cancel my card. Request to email me a confirmation, Advised i will get an email in 15 min ( of course NO email ). I just have a feeling that other people are experiencing same. This should be a straightforward process.
Consumer complaint received 2021-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit score from TransUnion dropped 121 points on XX/XX/2021 with NO negative reports on my credit score. I have tried to resolve this with them directly but they can not explain the drop. I will be harmed financially if a creditor checks my report with TransUnion for a new loan. 

This is the second time this has happened in the last 45 days with the last drop of over 60 points for no reason and no explanation. Upon my calls, the issue just went away again with no explanation. The fact that my score can be rated at XXXX XXXX a D ) will harm me financially with lenders, car insurance analysis, employers.