davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

A Santander car loan class action website has been established to inform consumers of a proposed {$550.00} XXXX settlement that they may qualify for. 

Though the website is live, the settlement is not accepting claims at this time. A judge has yet to approve the settlement deal. Top Class Actions will provide information on how to file a claim as soon as the details are available. 

The {$550.00} XXXX settlement would resolve a probe by 34 state attorneys general into allegations that Santander issues unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION (NY)

UMB Bank National Association provides account servicing services to my Health Savings Account with XXXX. 

On XX/XX/21 I initiated a wire transfer for {$3500.00} to my Health Savings account routing XXXX account XXXX. 

The wire of {$3500.00} has been returned instead, and the UMB kept {$50.00} fee, despite advertising no fees associated with the incoming wires. 

Please kindly, look into similar complaints in this matter and advise how could we recover missing {$50.00}. Thank you
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had a mortgage with Bank of America that was ultimately foreclosed on. I began missing payments on this account earlier than XXXX, and this account should be removed from all credit bureaus at this point, but Bank of America refuses to remove it. Beginning in XX/XX/XXXX, I applied for a short sale, and even had buyers interested. BoA denied the short sale claiming the offer was too low. I applied for a short sale again, which BoA denied once again claiming the property wasnt marketable. I then in XXXX/XX/XX/XXXX requested a deed in lieu of. I called back two weeks later after not hearing from anyone, and was told I had been denied a deed in lieu because I had not completed a short sale process. I was completely floored as I had already gone through the short sale process and been denied twice!! I filled a XXXX complaint following that incident, which wasnt responded to until XXXX, and I was still requesting a deed in lieu at that time. BoA drug this out until XX/XX/XXXX, then still didnt have it officially recorded until XXXX. BoA has the worst business practices Ive ever encountered. Ive have been through enough because of their mishandling of my case, and their complete incompetence. I just shy of two years ago was able to get another mortgage through the VA, but I had to write a letter to HUD to requesting to have the flag removed from my credit early to do so. I explained the same information above to them, they obviously agreed it was poorly handled and granted my request. Im asking that this finally be removed from my credit report with so three bureaus since this was so poorly handled, couldve been resolved sooner, and shouldve absolutely been removed by now anyway.
Consumer complaint received 2020-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm not responsible for this accounts. I was victim of Identity Theft, a company stole my personal information, user names and passwords, they applied for many cards and loans, took money from some of my cards. i'm not responsible for this debts.
Consumer complaint received 2017-12-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I started a dialogue with the bank in XXXX. In XXXX, I went in the bank to provide the power of attorney papers on behalf of my dad. He XXXX his wife ( my mother ) in XXXX of this year and has been in financial hardship since the day she XXXX. I was able to gather what little money she had left to make payments on the mortgage and the prime equity loan but the money was depleted by the end of XXXX. I have spoken with numerous representatives and provided this information. With the state of affairs, I knew the debt was insolvent. I did inquire about a short sale or possibly deed in lieu. 
All of this has been explained to the bank. I keep in touch with the bank via phone calls and correspondence a few times a month since XXXX. 

While I understand this is a business and the money is owed, he can not pay it. Just as there are circumstances surrounding the approval and denial of loans, they are circumstances surrounding any defaults. I can not afford to pay out money on behalf of someone else 's debt. I have put forth a lot of time and effort in an attempt to find a resolve. Going through credit counseling, cleaning out the property, listing the property, showing the property, and not to mention coming out of my own pocket for some of my dad 's expenses. I have been keeping the communications open with the bank. Realizing this is beyond my control, I know the best option is to sale the property or give it back to the bank. 

However, I keep getting passed around from one representative to the next. And the last rep is now stating I have no authorization to speak on the accounts and wants me to write the authorization for myself on behalf of my father. It does not even sound right. Previously, I did speak to them about a short sale and even requested the original documents from the loan. I never received any documents regarding the loan so I did not know how to price the house. I did receive the correspondence about the purchase agreement but it gives no other direction. I have been showing the house and have a lot of interested buyers. While I understand this is not a favorable situation for the bank, this is a way for the loan to be paid. I do not understand this resistance. This action can avoid the expense of foreclosure from them and relieve me of my parents financial burden because they ca n't speak to my dad, he is XXXX. 

I need concrete answers, I need guidance and direction on what the bank will or will not accept. Everything is so vague. Is it in foreclosure? because I did not get any correspondence stating that it was. And if not, why did they have a vendor go out and try to secure the property by threatening to change the locks? This is a horrible experience. I have attached just a few of the correspondence but there is many more.
Consumer complaint received 2023-01-26
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. (FL)

This is my numerous request that you correct this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (ME)

I have been in contact with the company called XXXX XXXX to resolve an issue that I experienced with their online payment system. In the previous times I have spoke to them they have tried to say that I was asking for a good faith adjustment to disregard my request. This is not about a good faith adjustment but rather the issue I experienced with their auto pay online system that caused for me to have a delinquent account. I was not notified about the delinquent account either which is not very good business on their end. They let a loyal and good paying customer go delinquent on an account that they were on time with every month on auto pay and didnt think to call when there was an issue. When I signed back in to their online system to add my new bank account and set it up on auto pay for the remainder ( Just a few months ) of the installment. The system made a mistake and only made a single payment instead of submitting my auto pay request to the company. Im not sure why or how this happened. But explained to the company that Ive never missed any other payments in my entire history and it is evident that all my payments are all on auto pay. The reason I mention this is to giv them a clear understanding of what kind of consumer I am. Everything I do is on auto pay. The only reason I even found this delinquency was bevause I signed in to my account to get tax info when I was preparing my taxes for XX/XX/XXXX in XX/XX/XXXX. I found that they were saying it was passed due and delinquent and instantly paid it. I was not notified that it was reported to the credit bureau until months later when I applied for another mortgage and my lender asked me what happened to my credit. In the long run this mistake by campus partners is going to cost me tens of thousands of dollars and I will be taking further action legally if this does not get resolved. I buy houses for a living and their costly mistake with their system not setting me up on auto pay like I requested ... them not notifying me of a missed payment ... and not notifying me of a bill getting reported to the credit bureau is unacceptable. The online system did not function properly for auto pay and has caused this to happen which I have explained to the company on multiple occasions
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX : Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. state I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX : Account XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date and date of last activity and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to and consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have inquiries from Transunion and a public record from XXXX, showing a bankruptcy filing as a public record that is not mine. ( See Attached Letter and Notice of Dispute with Identity Theft Report/Notice ) I am requesting a dispute and removal of ALL items under the FCRA.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts are not mines nor have I agreed or entered into a contract with any of these frivious companies with these false allegations affecting my credit files. Please send me physical documentation that Supports their claims if not I'm demanding the immediate removal of the following unknown and unauthorized accounts. 

1. XXXX XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently discovered fraudulent and unauthorized credit inquiries on my Transunion and XXXX credit reports. I was able to easily and successfully remove these inquiries from XXXX using their online tool, but Transunion does not offer this functionality. I called Transunion and spoke to a representative who told me that Transunoin does not verify or remove inquiries and, would not launch an investigation into the accuracy of the data even if it is reported as fraudulent. The Transunion representative was unable to assist me further. I find it unethical and unreasonable that a reporting agency would not be responsible for the data they maintain and provide.
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Transcontinental Credit & Collection Corp (CT)

I received a notice from transcontinental regarding a bill for {$480.00} from XXXX XXXX XXXX for date of service XXXX/XXXX/XXXX, I have been in contact with XXXX XXXX XXXX and applied for financial help with them with their financial aid department, I also recently received this same notice from XXXX XXXX XXXX for the same amount and they too was aware I applied for financial help with XXXX XXXX XXXX department so I dont know why I am receiving double billing XXXX from 2 collections department when I have been in contact with XXXX XXXX XXXX. Somewhere along the line someone is not communicating.
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TN)

I have been trying to get my funds out of this exchange since XX/X/17. I have been locked out of my account due to a non-functioning " ID verification '' process that the company touts. I have provided all of the necessary information for them to assist me with the simple request of restoring access to my money. 

I have over 50,000 USD in my account and feel that waiting over a week after filing a support ticket is too long. I have not received a single email that has been anything more than an automatically generated response. I have been a loyal customer of this company, and I am shocked that there is no support to be found. I have tried direct messaging the company via twitter, filing a support request through their website, and emailing their support center directly. I have also tried calling them on their support lines, and have endured endless hold times and busy signals, never once getting through to a person. 

Over a week, and zero response from a company that holds a good chunk of my life savings.
Consumer complaint received 2016-11-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLAZA HOME MORTGAGE, INC. (NJ)

My Name is XXXX XXXX. 
I purchased our home in 2015. Plaza Mortgage is our mortgage company. We closed in XXXX. I have experienced a loss of income at my job on the radio. And it was reduced by half. I contacted the mortgage company, and they took my information. I did n't hear from them for Months ; meanwhile, I was delinquent on my mortgage. They send me a modification requesting payments that are HIGHER than what my original payment is. 
I sought out an expert, and he assisted in submitting documentation. The bank insists that they have n't received documentation however we have proof they do. Since then we have found out the foundation of the property is crumbling and have communicated this to the bank. They requested additional information for my non-borrower contributing to the property, and when we call in for the status, they refuse to speak to any of us. 
Also we received letters from their attorney with a motion proceed with the forclosure.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I pulled my credit report a few month age and i notice some Unauthorized inquiry on my consumer report. I reach out to Equifax, XXXX and XXXX because this is a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 for unlawfully obtaining my ( consumer reports ). Without my authorization or a permissible purpose is a violation the FCRA See 15 usc 1681b.
Consumer complaint received 2018-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (AL)

I owe a debt to XXXX XXXX XXXX in the amount of {$3300.00}. I was contacted in writing by XXXX XXXX XXXX in XX/XX/XXXX in an attempt to collect this debt on behalf of Rise. I wrote a letter dated XX/XX/XXXX explaining that I had an open Chapter XXXX case that I was converting to a Chapter XXXX but was willing to make a settlement for 20 % of the amount owed. I mailed the letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, KS XXXX. I never received a response from this company agreeing to the settlement or stating that payment was due in full. On XX/XX/XXXX at XXXX XXXX I received a call at my place of employment from XXXX XXXX with Rise at XXXX and XXXX. When I first answered the call she did not tell me what the call was in reference to she only stated that she spoke to me back in XX/XX/XXXX { which is a lie } XX/XX/XXXX was the first time I spoke to this woman. and asked if I had a pen and some paper. I asked her was this in reference to a patient and she said no this is regarding your debt with Rise. I Said to her do not call me on my job but contact me in writing. She started screaming in the phone WE DID WRITE YOU, PAY YOUR BILLS, PAY YOUR BILLS WHILE YOU STILL HAVE A JOB, ARE YOU GOING TO PAY YOUR BILLS? ARE YOU GOING TO PAY THIS {$3300.00} THAT YOU OWE? She was screaming so loud and she would not let me speak, finally she stopped and I asked her for her name again and she screamed MY NAME IS PAY YOUR BILLS. I calmly stated I have your name XXXX XXXX and hung up the phone. I have have struggled with medical illnesses from XXXX { twice }, XXXX, XXXX, XXXX and and car repairs since XX/XX/XXXX and offered to pay what I was able to pay If they plan to sue me that is fine but I do not appreciate being talked to with such disrespect and rudeness.I would appreciate if they not contact me again about this debt.
Consumer complaint received 2021-11-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 31 days later, I have not received any response. Under federal law, you have 30 days to complete my investigation. Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.
Consumer complaint received 2019-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (VA)

SYNCB/CARE CREDIT Date Opened XX/XX/XXXX Updated XX/XX/XXXX Account # XXXX The account was sent to a collection agency and the collection agency was paid in full. My credit report does not reflect that the account was Paid.
Consumer complaint received 2015-06-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (FL)

SOLD REAL ESTATE PROPERTY IN 2010. I WAS LATE XXXX PAYMENTS. XXXX. US BANK TOOK 6 MONTHS TO GIVE MY PAYOFF FIGURE ALL THAT TIME CHARGING INTEREST AND PENALTIES. THEY NOW REPORT THE HOUSE WAS FORECLOSED ON ... I NEVER RECEIVED ANY PAPER WORK OR NOTICES ON THIS THE HOUSE WAS NOT FORECLOSED AND I LOST SEVERAL THOUSAND DOLLARS BECAUSE OF THIS. I CALLED THEM DOZENS OF TIME DURING THE SALE AND WAS IGNORED EACH TIME. ALL CREDIT REPORTS SHOW THIS AND I CONSIDER THIS FRAUDULENT BY THE BANK. THEY ALWAYS SHUFFLED ME AROUND AND STILL NO ANSWERS EVEN TO THIS DAY ALL I GET IS THAT THEY WILL LOOK INTO THIS AND I HAVE ASKED FOR ALL THE PAPERWORK INVOLVED,,, STILL IGNORED
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

I got a few emails congratulating me on my new account. Then text conformation. I thought they were spam. So I brushed them off and deleted. Then a few days ago I got a checkbook in the mail from a bank I did not open a bank account with. Somehow someone has my personal information and opened a bank account in my name. I called the bank and reported it as fraud and asked them to close all accounts in my name. TD bank is the name of the bank. My name is XXXX XXXX and I wish to report my identifications have been compromised.
Consumer complaint received 2018-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (GA)

Due to XXXX in my immediate family and my own illness I fell behind in my payments. I am working as hard as I can to catch up but the collection calls are relentless they start at XXXX XXXX XXXX XXXX and do n't stop until XXXX XXXX  seven days a week, The callers make threats to come and get the car and when I advised them to do so they refuse to come and get the vehicle. I have asked for the paperwork to be sent to relinquish the vehicle back to the lender and they refuse to send it. 

I have repeatedly asked not to be contacted while I am at work during the hours of XXXX XXXX  and XXXX XXXX yet the continue to call. If I l do not answer the phone they hang up and call right back. Because they will not respect my request not to call during my working hours or not to call my place of employment my employment may be in jeopardy, On Sunday XXXX XXXX, 2018 I received twenty calls from the lender in a single day.
Consumer complaint received 2015-07-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

We missed XXXX payment on our lease and now show XXXX late payments. Loan is paid off. I have asked Nissian to remove the lates since I have purchased and leased their cars since the XXXX years. They are not friendly and raise their voice when I call. I will never buy another product from them!!!