davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
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. (OH)

Today on XX/XX/2019 i checked my credit report and my score went down 112 points due to fraudulent accounts being hosted on my credit profile that where previously deleted. i sent in proper documentation my police report and also my affidavit the credit bureau and the credit card company received the information but still continue to host the accounts on my report. I understand that the credit bureau is supposed to post 100 % accurate information on your credit profile but they continue to post these accounts anyway.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (IL)

My mortgage loan has been serviced by XXXX since XX/XX/XXXX - Exhibit XXXX. Prior to that, the servicing was assigned to CitiMortgage. While the loan servicing was handled by CitiMortgage, I filed a Chapter XXXX bankruptcy - Case # XXXX. Per the bankruptcy trustee 's disclosure, all mortgage payments in arrears ( {$15000.00} XXXX were paid through the plan - Exhibit XXXX. " Notice of Final Cure Payment '' was sent to CitiMortgage XX/XX/XXXX describing the same - Exhibit XXXX. 

Per the discharge of my Chapter XXXX Bankruptcy plan, my mortgage loan was current prior to the service transfer XXXX. XXXX issued notice that the account was past due {$3200.00} as of XX/XX/XXXX - Exhibit XXXX. XXXX refused to acknowledge and investigate the claim and payment history with the bankruptcy trustee. After further investigation on the CitiMortgage payment history, I found that XXXX payments were reversed totaling {$5800.00} - Exhibit XXXX. CitiMortgage has refused to acknowledge my requests to investigate the reason for the accounting reversals - Exhibit XXXX. 

Per the FDCPA, both XXXX and CitiMortgage are required to investigate any debt dispute within a matter of 30 days. XX/XX/XXXX XXXX issued a Default Notice and threatened to foreclose - Exhibit XXXX. The notice of default " NOD '' has a payment demand listed at {$4600.00} -- which was paid via cashier 's check -- Exhibit XXXX. XXXX has been cited in the past for escrow distortion, mortgage fraud, RESPA violations and illegal foreclosure on a long list of federal lawsuits. This case obviously fits in the same group. Based on my calculations, CitiMortgage is liable for a {$5800.00} refund and XXXX is liable for {$4600.00} refund. Since XXXX parties have ignored my requests for a voluntary refund, I am seeking your assistance on this matter. You can reach me via email XXXX XXXXXXXXXXXX.
Consumer complaint received 2015-07-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

I am contacting you at the XXXX time in order to clarify and get your assistance or support with the issue or bad debt situation with car loan. here what had happened : As any customer I had a dream to buy and own a car, so my selection was XXXX, I contacted XXXX of XXXX, MD. It was very hard to find the car that I wanted, I could n't find it at my XXXX location, I wanted red and was offered Green with White Roof, it was proposal from XXXX of XXXX to participate in their show of XXXX process to immigrants in the XXXX. I rejected the offer. The guy who served me was very impatient XXXX XXXX, who raised his voice on employees and later on I found out his employment was terminated, I get with another manager at this location later. The offered interest was too high 12 % to prevent me to buy red car and sell me green car. I continued my search and found a car in the XXXX location. It meets almost all my requirements, no leather seats. 
The offered interest on loan with XXXX 18 %, I agreed because I have a sponsor who prefer to ananomous, told me take it otherwise you 'll be unable to find it with leather. I greed to the terms and conditions. Later I got letter, Thank you for financing and so on. I lost that letter when I moved out. In some time letter I got Title. Please see attachment. There no lien holder ... I trust my friend 100 %. 
Later on started my XXXX that I do n't pay the bill and collection letter in my door and damages to my car. I assume if dealer want to return the car back why they will damage it?! Proof of Evidence : ( Right Rare Tire Hole ), Engine, Left Side Bumper Scratch, I got thru all holes on the road with car noise like breaking it down, Gas tank, I could n't fill in gas my electronics were jumping UP and Down with gas level, My REAR Sensor were alarming when there were no object behind with reverse. My snow sign was blinking and alarming when there is no snow ... I am safe driver I scratched Rear Right White Rim DUring parking, My electronics was going crazy, I complaint about it to the XXXX, they offere me Diagnostics which I could n't get because my car was stolen from Private Property Parking with Request to show the check ( payment ) which I do n't have, because my friend paid for the CAR in order to provide me with assistance of supporting to find the job and live independently. I mailed Title to Texas, where it was sent from. For now I do n't have news. I just want my car back and truth if it is possible what happened with money, how money could be stolen from bank, it takes time to verify and clear checks or payments, I did n't get thank you note the next day in a month and title as well, it means money were there .... then disappeared. The car was repossessed.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

Conns Account # XXXX XXXXCalled to pay full account balance of {$320.00}, was offered a settlement of {$250.00} ( which I paid ). 
XX/XX/20 Conns reports to all 3 credit bureaus that as of XX/XX/20 Im 30 days delinquent in the amount of {$64.00}. 
-I file a dispute with XXXX  the very same day stating information reported was incorrect. 
XXXX-I contact Conns about account. Customer service & collections depts. state account settled, and recommend to file a dispute with Conns credit bureau/recovery department XX/XX/20 letter received from Conns stating their investigation determined the reporting was valid & would provide a copy of the complete payment history to validate ( was not included in letter ) XX/XX/20 Conns reports to all 3 credit bureaus that as of XX/XX/20 my account is 60 days delinquent in the amount of {$65.00}. 
-I file a dispute with XXXX  stating reporting is incorrect. 
-I contact Conns Collections dept. states account is settled for an amount less than the full balance, states that is also what they are reporting to the credit bureaus and files another complaint with the Conns internal credit bureau/recovery dept. 
-I also speak with Conns customer service who stated the settlement was not reflective on their end & there was an amount of {$90.00} due or a payoff amount of {$86.00} ( {$65.00} balance {$25.00} late fee ( $ XXXX, XXXX, $ XXXX= {$25.00} ).  She stated she was not sure why the account was reflecting that way & recommended filing a complaint ( which I did )
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

Servicer has provided inaccurate, error ridden and misleading payoff and reinstatement notices to borrower. Federal Law requires the information contained to be accurate. 


In addition, creditors, assignees, and servicers must provide an accurate payoff balance to a consumer no later than XXXX business days after receipt of a written request from the borrower for such information.
Consumer complaint received 2016-06-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (GA)

Regional Acceptance Corporation in XXXX Ga is the worst I do not want to include my name because they may continue to harass me. But that Supervisor XXXX XXXX is horrible she does not know how to talk to customers and I hate that I asked for a supervisor. She is nasty, rude, and very unprofessional and I do not know who hired her she is nasty. I have spoken to her maybe twice at the end of the month and she told me one time that well maybe you ca n't afford the vehicle and it 's an affordability issue. Life happens and things happen and I know that I took out this loan but for her to talk over me while I was trying to explain what was going on and she just cut me off so disrespectful. I told the young lady that I was talking to not to transfer me to her, but she insisted. They can just come get the car if she has to be that rude.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: ROBINHOOD MARKETS INC. (OR)

Not an actual account opening, but rather advertising for RobinHood Gold product. Television ads for this product indicate 'up to XXXX XXXX in FDIC insurance ' in the voice over. IF you can read the disclosure at the bottom of the screen, the fine print indicates funds will be spread across ten banks in order to qualify for the maximum amount of insurance. 
This is exceptionally misleading as the general public has knowledge that FDIC insurance is limited to XXXX per account ( I know this is not wholly correct, but this figure is what the general public associates with FDIC insurance ), and this advertisement offers XXXX XXXX in FDIC insurance! 
I think this is deceiving and misleading under UDAAP!
Consumer complaint received 2016-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (VA)

I receive XXXX phone calls a day from a company calling itself midland credit management or midland credit bureau. They do not leave a message but call constantly. the calls are now coming through my work computer. It usually starts with a XXXX XXXX XXXX but calls come from all over the country. It 's clearly and XXXX Call Center. They ask me for my " mc '' number for which I do not have. They then ask me for my phone number, my address, and they have also asked my for my SSN. I have previously provided my phone number thinking it would pull up and account which they NEVER FIND XXXX I have NEVER given them my home address or my SSN. I have told them to cease calling me. I told them i was calling the XXXX and ... if they are calling Me then they need to give Me the information so I can assess and determine if there is a debt. Not vice/versa. 

They continue to call and now i think they call all of my available numbers including through my computer. It is every day and up to 5x 's a day.
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received a letter from capitol one stating they believe it was fraudulent to contact them ... I called them n it was a credit card open in Florida n they closed it n told me it will be off my credit report within 30 days ... I just it n it 's still shows an acquire ...
Consumer complaint received 2015-09-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have paid on a yamaha credit cart for 7 years,XXXX a month, applying XXXX extra on a XXXX a mth bill, i paid close to XXXX and they say i owe them XXXX on a XXXXloan. they sent the debt to XXXX XXXX, and they call at least 6 times a day, as late as XXXX
Consumer complaint received 2016-09-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

After Checking my Credit Report recently I noticed an owed amount of {$670.00} to the California Business Bureau, INC. collection agency. I called them and paid the amount in full. ( 1 ) it is still on my credit report. ( 2 ) I just received a new bill from them for an additional {$3400.00} - my credit report has no record of this debt / I feel they are making up a phantom charge.
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

I received a call this morning from Macy 's Collection saying I have not paid my bill. I was on the phone on XX/XX/2016 and paid the account while talking with a Macy 's credit person because I needed the paying information. The payment was made and has already cleared my account and Macy 's has not obviously updated their records. It is not 30 days past due and for me to tell Macy 's on XX/XX/XXXX as I called for the total on the account that I was submitting payment then and for collections to call is absolutely absurd. For my account not to be past due to have a recording of Macy 's supervisor yelling at me that I owe them fees and charges and they refused to close the account unless I paid again for the account and all fees has to be against collection regulation. I was called a deadbeat because I was not paying my account. I want all fees waved and I want this account closed with no penalty on my credit report and I want Macy 's to pay for their collection issues. Yelling at me, calling me names and telling me I have to pay now while refusing to close the account unless I pay right now over the phone.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NBT BANCORP INC. ()

For the past XXXX years our checking account has had XXXX  of fraudulent charges, mostly from XXXX. Our bank 's solution was cancel and issue new cards, but never solved what was happening. We were reimbursed for most of these charges, but they refused to go back more than XXXX months and honor the vow to protect our money. 

In the past XXXX months, despite changing our card and our diligence to protect our information, we have more charges, and then overdraft fees, that they are " disputing '' internally, saying we " may be reimbursed '' but " may not. '' I cancelled the only card to this account on XX/XX/XXXX, at our local branch, and we have had fraudulent charges for the last XXXX weeks on the same card, and more overdraft fees. Our bank says they are " looking into it '' but " no guarantee '' that we will be reimbursed. 

There are many transactions, too many to list here in this short note, but I am happy to share this information when I can speak with someone, or send it digitally to you.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (CT)

I am a credit card customer of Elan Financial. I requested an online increase to my credit limit and the online process did not at any point provide a disclosure that a credit inquiry would be pulled. Had a disclosure asking for my authorization been provided, i would not have consented to a credit inquiry. I called customer service to dispute the inquiry as the proper disclosures were not provided, a customer service representative and his supervisor eventually realized that I was correct and at no point in the process had a disclosure been provided as it they admit it should have been. The representative and his supervisor advised me to write a letter to dispute the inquiry and include the information that we had talked about and the inquiry would be removed from my credit report. I sent the letter as advised and included all pertinent information, including the fact that the disclosure authorizing a credit inquiry were not provided and that the representative and supervisor had verified this. Over a month later I received a reply that they had investigated the situation and would not remove the inquiry because " the promotion offer only included credit limit increase request of {$4500.00} or less ''. I had not received a promotional offer and no where in my letter had i referenced a promotional offer, XXXX had completely ignored the fact that a credit inquiry was never disclosed and I never approved of an inquiry. I called customer service again to escalate the matter and spoke with a supervisor regarding the letter. The supervisor was not helpful at all and would not listen to any of my concerns regarding the lack of disclosures provided by the company. The supervisor repeatedly said that he could not do anything else and that XXXX is required by law to provide a disclosure if a credit inquiry were to be performed and he did not care at all that I repeatedly told him that a disclosure was not provided. The supervisor was rude and showed a total lack of care of the subject. According to the supervisor, XXXX was required by law to disclosure if a credit inquiry were to occur and he should have been more concerned with the fact that the company is not following what they admit to be the law. I received a call from a manager in customer service the next day and she continued to say that XXXX is required to provide the disclosure during the increase process and that it is provided on the website. When I asked her to tell me where on the website the disclosure is she was unable to provide that information. I told her that was not an acceptable solution and she said she would have to get back to me.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One bank is sending credit card solicitations addressed to my father - who died more than 30 years ago. I called Capital One to ask where they were getting information. The person I spoke to did n't really have an answer. Sending credit card solicitations to a dead person sounds a ) shady, and b ) an open invitation to fraud ( both against my father 's good name and against the company ). How is Capital One getting information on my father? I 'd like this to stop, both for my father 's sake and for others, if they 're also getting these solicitations. Thank you.
Consumer complaint received 2015-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

Relentless calling from a company called Portfolio Recovery and they call from several different phone numbers and I have called every number that they have called me from stating that I am not the person they are looking for and that I do not even know the person they are looking for. It 's to the point now that I just pick up the phone and hang it up because it is pointless to keep telling these people I 'm not who they are looking for. This is my work number and it is getting very aggravating dealing with them calling XXXX times in an XXXX hr shift.
Consumer complaint received 2015-04-07
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (CA)

On EBAY, I had to take down all my items. I 'm locked out of Paypal for the forseeable future. 
It 's all got to do with the XXXX. I sent it as they requested, choosing to do it by mail, certified, instead of over the internet. The tracking shows they got it on XXXX, last Monday, and it was signed by someone named " XXXX XXXX. '' I verified this by talking to a postal employee of the station - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, which delivers to the Paypal address I mailed to. I verified the address - XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, over the phone with a Paypal customer rep, and online as well. I tried talking to a couple of so-called " supervisors, '' which was a joke. They claim they have n't got it, despite the signer 's name, on record. They are claiming that if I do the XXXX the way I was trying to avoid, then all will be fine. I do n't trust the internet or the phone with personal info. I know that you guys ca n't necessarily help with getting me back on Paypal, but I would think that it would be important to know, if they ca n't hang on to a simple piece of certified mail, and lose someone 's personal info. At this point, I have heard verbally by XXXX different people via phone, that they do n't have my XXXX, and I have XXXX emails stating they do n't have it as well. These XXXX emails could easily be generic emails, because it 's really obvious they have no real interest in communicating with anyone, just getting rid of them. So this is my complaint - they appear to have mishandled my personal info, and I want to know just where it is.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint against TransUnion for their persistent inability to process my dispute requests online and their failure to correct inaccuracies on my credit report within the legally mandated timeframe. 

Despite numerous attempts to submit my dispute requests through TransUnions online platform, I have been thwarted every time. These issues have persisted over several months, with multiple follow-ups and repeated attempts to resolve the matter proving entirely ineffective. The online submission process consistently fails, preventing me from addressing significant inaccuracies in my credit report. 

Furthermore, TransUnion has failed to adhere to the 30-day deadline for investigating and correcting disputed items on my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ). This prolonged delay in resolving inaccuracies has caused significant distress and inconvenience, potentially impacting my financial standing and opportunities. 

The inability to utilize the online dispute process and the extended delays in correcting my credit report are unacceptable and indicate systemic issues within TransUnions handling of consumer disputes. I urge the Consumer Financial Protection Bureau to take immediate action to address these concerns and ensure TransUnion complies with all relevant regulations and standards. 

Given the gravity of this situation, I request the CFPB to investigate TransUnions practices, enforce compliance with the FCRA, and provide guidance on how I can ensure my dispute requests are properly processed and resolved. 

Thank you for your attention to this urgent matter. I look forward to your prompt and effective response.