davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TD BANK US HOLDING COMPANY (MS)

I purchased a XXXX XXXX XXXX XXXX From XXXX XXXX XXXX on XX/XX/2017 because of an advertisement on the Internet offered XXXX XXXX cars that stated the price of {$29000.00} with a payment of {$460.00} for 60 months. due to high-pressure tactics, I was baited then they, XXXX, switched the deal from the advertised deal to {$520.00} a month for 75 months financing {$33000.00} when the settled negotiated price of {$28000.00} at {$490.00} a month, XXXX manager, XXXX XXXX, called me and asked me would I come to the dealership to discuss my dissatisfaction, we discussed the problem and I showed him the internet advertisement and ask to see the written offer I made to the salesman and said that was the only deal I was interested in, He did not produce the written offer. XXXX became belligerent and said car XXXX was responsible for the ad and XXXX was not at fault even though XXXX name was in the ad several times. He also stated he was not going to do any thing about the situation. I left the dealership dissatisfied.and frustrated because XXXX XXXX denied responsibility for the ad and did not produce the written offer I made.
Consumer complaint received 2021-04-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC (VA)

I applied for an on line loan with XXXX XXXX and was approved for an unsecure loan for XXXX at a fixed interest rate for 5 years with a payment of {$980.00} by the 15 of each month. I have been paying on this account for 36 months paid a total of {$35000.00}. Due to high medical cost for my wife and bank fraud on my checking account. I called XXXX XXXX customer service on XXXX XX/XX/XXXX after I paid {$980.00} for XX/XX/XXXX payment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XXXX and XXXX payment and my XXXX and XXXX would be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of XXXX XXXX Managers so I called XXXX, XXXX still no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that XXXX XXXX never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at XXXX XXXX to discuss my payment plan and concerns over balance owed to date. Currently OLIPHANT FINANCIAL are trying to collect {$26000.00} I sent registered mail a Validation of Debt Letter with no response? I spoke with a representative who was very harsh like a mobster! I explained my circumstances and needed validation of debt? He directly told me he would need payments to resolve this debt in one year at {$2200.00} a month! I never heard back from this collection agent for over two years! Now started in XX/XX/XXXX continues phone calls daily and now a settlement letter dated XX/XX/XXXX with terms : 1 payment of {$14.00}, XXXX or 3 payments of {$5800.00} or 6 payments of {$3100.00}. This is not even reasonable since I already paid {$35000.00} of the XXXX owed at {$980.00} for 36 months!!
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

We recently refinanced our home and paid off our HELOC with US bank. Several weeks later we found out that they had made a deposit into that account ( in error ) without our knowledge. Since we used this account only for home improvement draws we would have had no idea that this had happened. That account was paid and closed at end of Refi, they have reopened the account and made it negative XXXX $ to recoup their error money and are now charging us overdraft fees for being in the negative. I couldn't get much of an answer form the local branch other than they expected the balance to be paid in full in 60 days - we don't have this kind of money. When they reached out to tell us about this several weeks ago we had no idea what was going on so they said they would send us all of the documentation to back up their claim - they never did and reopened our account to negative in the meantime. This ( if it's accurate ) could have been easily handled when we did our refinance. This is their error not ours and now we will be facing collections if not paid in 60 days.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have repeatedly sent Identity Theft Reports and Delete letters along with the 605B letter to XXXX, transunion, and XXXX, to remove account : XXXX XXXX XXXX under account number : XXXX.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OR)

I transferred through a wire funds from XXXX. The wire instructions were perfect. This was done 10 days ago. The wire went to Wells Fargo. XXXX has called them and confirmed the funds are sitting in a Wells Fargo account. Wells Fargo after many calls said they located the wire and told XXXX they would send it back to my account. They said it was high priority. Its been another week and the funds have not been retracted back to my XXXX account. This to me is a deliberate hold on my funds.
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The statements does not match of my payments. I am paying more what I own and I called Capital one at : XXXX but hey have no clue what government agency regulates them. The customer service can't provide an accurate statements and they stoop sending me by regular mail teh statements. My account is : XXXX. 

My email address is : XXXX phone : XXXX Please email me and I summit my statements. 

Best regards
Consumer complaint received 2017-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

I was contacted by a credit collection agency on Friday XX/XX/XXXX by the name of XXXX XXXX XXXX XXXX XXXX, XXXX for a false claim that I had an old credit card debt of {$1300.00} from Citi Bank that had been supposedly charged off in XX/XX/XXXX. Not only did I never open such an account, they are asking about an incorrect former employer. This debt does n't even show up on my credit report. They are threatening to sue me if I do not immediately set up a payment plan with them over the phone with my ATM debit card. They called me at XXXX XXXX this morning Monday XX/XX/XXXX before business hours. I called them back during business hours to speak with them again on this issue and it went to voicemail. I 've never received anything about a legitimate debt in writing either. I tried to look up this XXXX/collections agency and the only thing that comes up in a XXXX XXXX XXXX. I am afraid this harassment is going to continue and I need it to stop and I especially do not want them to escalate this and try to harass me at work, but most importantly I believe that this company is a scam trying to get me to release my banking info over the phone. I hope you are able to help in this matter!
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

The story is set forth in the 3 attachments below in which personal information has been blacked out. The first attachment is composed of 1 ) a screenshot showing acknowledgement of my XX/XX/XXXX inquiry concerning the non-payment of our real estate taxes from the escrow account ; 2 & 3 ) Two nothing form emails acknowledging the inquiry dated XX/XX/XXXX and XX/XX/XXXX ; 4 ) A letter dated XX/XX/XXXX stating that they were still pursuing an 'investigation ' of the issue. In my humble opinion, their 'investigation ' could be concluded with a 5 minute call to the County Treasurer ; and, 5 ) an email attachment dated XX/XX/XXXX claiming they had paid the original amount of the tax. Apparently it never occurred to anyone a Ditech that taxes paid nearly 4 1/2 months late would incur penalty and/or interest. The second attachment consists of my letter to Ditech dated XX/XX/XXXX. It addresses not only the unpaid real estate tax issue, but also the failure of Ditech to pay from escrow the premium on flood insurance that they forced us to purchase. There are several exhibits to this letter and I will be glad to provide them if needed. The third attachment consists of my letter to Ditech dated today, XX/XX/XXXX. It addresses the real estate tax and flood control insurance issues as well as my inquiry about a questionable payment from the escrow account. This letter also explains why Ditech 's supposed payment of the tax was ineffectual. Again, exhibits are available if needed.
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (CA)

Both Experian and XXXX  lowered my credit scores by almost 100 points because I paid off my home mortgage in full in 2 lump sums. I have Congratulations letter from XXXX XXXX  congratulating me for paying off my mortgage. I don't understand why both Experian and XXXX  list my XXXX XXXX   mortgage account as derogatory and lowered my credit score by almost 100 points. I am currently trying to purchase a new truck and was notified that although I had been pre-approved prior that due to my latest credit score I was no longer qualified!! I am appalled that my credit score was lowered from XXXX to XXXX!!! 
Please help me.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I am replaying PLUS loans for my daughter 's education. It originated with XXXX XXXX and was transferred to Navient. I do n't think my payments are being allocated correctly. One month more goes to interest than another month. Even on months I pay early, principal amount goes down.
Consumer complaint received 2020-05-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Specialized Loan Servicing Holdings LLC (FL)

To whom it may concern, This is to report that my original line of credit with XXXX XXXX XXXX, which I have paid regularly for years, was sold to a company called Specialized Loan Servicing LLC and since then I have not been able to receive a statement with all the information required to pay my bill. They have my correct address because the send me letters saying my loan has serious defaults but when I called to request a proper bill they say they can not provide because my account is under maintenance. The loan number is XXXX and the latest costumer representative I spoke with was XXXX # XXXX. 
I need help solving this issue. 
Sincerely, XXXX XXXX.
Consumer complaint received 2019-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I tried working with citibank regarding an error committed by them. My account had money STOLEN from me by XXXX XXXX and I was told I was an error and it wasnt their fault. I then went to citibank to fix it because they knowingly let it happen and just sat there. It was {$1300.00}. I have contacted citibank numerous times talked to supervisors on XXXX the supervisors names were XXXX, XXXX, XXXX XXXX, and XXXX . XXXX did try to help and work with me so kudos to him. The investigators were sent documentation and proof the money was already paid to XXXX from another account on XX/XX/2019. They then quickly closed the investigation and said not their fault. I then have appealed the decision on XX/XX/XXXX of 2019 so I could get my money back or at least a provisionary amount to which I was denied. I talked to XXXX XXXX about this situation and was told that no matter what I did citibank will not change their mind. I just want my money back so I can leave citibank forever!! I have documentation to back up my claim.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I sent Experian a police report, ftc report, drivers license and letter requesting to block and delete charged off accounts within four days with XXXX, XXXX, XXXX, and two charged off accounts listed with XXXX XXXX on XX/XX/XXXX. See the attached complaint. 

All accounts were removed on XXXX and placed back on my consumer file without notification five days prior of this occurring. I called Experian and was told the accounts were verified. I requested copies of all files, contracts, ledgers, verification methods, 1099c 's since these accounts are charged off, and all other methods/documents used to verify the account. No documents were ever sent to me. 

On XX/XX/XXXX I submitted another compliant to Experian with documentation of the accounts I requested to be blocked and deleted within four days being previously deleted and placed back on my consumer file once again without any notification. 

I received an email on XXXX XXXX XXXX from Experian asking for my drivers license, and documentation once again, see the attached email. I have already sent this in back in XXXX, of XXXX, see the attached complaint. 

This private organization continues to violate my rights as the owner of the my consumer file and ignore my request to block and delete the accounts I requested off my consumer file and provide me with ALL proof requested multiple times.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation (CA)

On or before XX/XX/2020 I made an inquiry to Owning to refinance our home mortgage. I provided all of the required information to the representative, XXXX XXXX. I told the representative two very crucial factors : 1. My husband has lost his primary employment due to COVID but was woking as pert time adjunct faculty at XXXX XXXX XXXX University, and was still subsequently receiving unemployment benefits. The representative stated that this should not be an issue so long as he was still employed. 

2. My husband and I attended XXXX XXXX  and had federal student loans. Since the cost of law school is so extensive the monthly payment that is reported on our credit report is far beyond what we actually pay. I explained to the representative that we only pay 10 % of our income as we are on a federal income baed student loan repayment program. She said she would communicate this information to the underwriter. This is imperative because in the calculation of our debt to income ratio the representative stated that we were over the threshold of 50 %. Yet our student loan debt reported was in excess of {$1600.00} for my self and my husband in which we pay XXXX and XXXX monthly respectively. 

I asked the representative to communicate this to the underwriters and to let them know that we would provide authenticating payment history of our student loan payments, income based repay-payment plan, and any other supporting documents and I was told to " contact the credit bureaus to fix an inaccuracies ''. 

I can not be the first borrower who is under an income based repayment plan. We have never run into this issue in the past with other lenders. Also, I have never received notification of the denial or the reason for the denial. I only found out this information after i contacted the representative directly. 

The responses that I have received from the representative have been very antagonistic and almost accusatory that this is my issue that I need to resolve. I have never come across a company that was so unwilling to assist in a home refinance.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

This account was deleted and Re-inserted onto my credit reports. I am including documentation to support my claim of violating my Re-Insertion rights per the FCRA. I was never notified in writing that this account would be re-Inserted. There will also be a document that was received from the Creditor when I asked for Validation and their refusal to investigate the account.

The Credit Reporting agencies are also refusing to Validate the accounts by providing me with a contract with my signature of said account. 

XX/XX/2019 Dispute sent to the Credit Bureaus disputing the account listed on my Credit report. 
XX/XX/2019 dispute results received and the accounts were removed. 

Since the accounts have been Re-inserted without explanation or Validation. 
Please Delete per FCRA XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (TX)

On XX/XX/XXXX receive an statement from Seventh Avenue on a newly open credit the I have not applied - inmidiatly contact them to let them know- the were going to investigate- on XX/XX/XXXX receive a letter from Seventh Avenue responding to my call- but every month since then an monthly statement arrive to my home- now Im start receiving calls and text to collect the money they said was expend with them - today is XX/XX/XXXX and I dont know what to do so this wont stain my credit record - please advice
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I am reaching out because I am looking for assistance in getting a missing tradeline posted in my Experian credit report. XXXX XXXX has reported a rental tradeline to Experian but yet is not showing on my credit report I have sent them all the information, and conversations with boom pay to get this posted but yet have no results. The rental tradeline should have appeared on my credit report after they submitted the encrypted file to Experian but yet is still missing
Consumer complaint received 2021-03-29
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. (CA)

On XX/XX/21 a collection account was placed on my credit report for {$200.00} dollars. I was never notified about the account until I called XXXX XXXX XXXX, spoke to a representative named XXXX and she wasnt helpful at all or gave any informal regarding this account. I have no knowledge of this account and I am a victim of identity theft. I want this resolved immediately, this is affecting my credit history.
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (KY)

On my XXXX account I am showing a balance of XXXX on my debt. XXXX from eos cca and XXXX from XXXX XXXX XXXX for debt collectors. Bill Should only be XXXX from XXXX. I dont know who to pay with multiple inquiries on my credit report for the same bill.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied to BOA for a credit card in XXXX, 2016, around XX/XX/XXXX. I asked them, before you run a credit check, please confirm that you can respond with approval/denial. They responded in the affirmative. After applying, they informed me that they had to send the request to their office for further review, which would have involved an additional credit inquiry. Since they already put a hard hit on my credit report, without a response, I asked to speak to a manager. When a manager finally called back 4 days later, she refused to remove the credit inquiry hit. The manager was condescending, arrogant, and completely unhelpful. If you want to deal with these people, know what you are in for. Dishonest, deceitful, arrogant, condescending. Not what I call good customer service.