davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Santander Consumer USA Holdings Inc. (IL)

I sent a letter to Santander Consumer USA letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Santander Consumer USA refuses to delete the fraudulent accounts from my credit report stating in a letter its verified Santander Consumer USA provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Consumer complaint received 2016-11-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/2016, I received a letter from Specialized Loan Servicing ( SLS ) illustrating that I was approved for a modification ; however, my mortgage payment is NOT more affordable. In fact, the payment is virtually the same. SLS also did not consider my application for the forbearance option. Moreover, SLS appears to have recorded my income incorrectly, despite a Letter of Explanation they requested and received on XX/XX/2016.
Consumer complaint received 2019-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

I received a XXXX APR promotion from PNC for my credit card account. I wrote a check to myself in order to consolidate my credit card bills and went to a PNC branch on XX/XX/2019 to deposit the funds in the amount of {$7700.00}. Funds posted to my account today XX/XX/2019 in the XXXX. I went to pay a bill and at th end of business and PNC reversed the funds and withdrew from my account after it deposited!!!!! Not only did PNC not notify me I almost bounced my checking account due to their negligence. If PNC needed to place the funds on hold from a Regulation CC the bank should have put the funds in a pending status only and not deposited the funds. I called PNC customer service to find out what happened. The PNC credit card department stated they couldnt see anything in my account and to return to the branch which is unacceptable. Removing deposited cleared funds not only is a terrible practice it is a UDAPP violation against me as they potentially caused overdrafts fees on my end for insufficient funds. This is not only unfair but PNC didnt even advise me. Talk about a bait and switch situation. I am looking for asssitance from the CFPB on this matter and no one could assist me today since the branch is closed and apparently when you have escalations such as these no one is there to assist.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

Paid a few to   XXXX   XXXX   XXXX   that told me my payments would resolve my student loan debt and close accounts. After paying for months the accounts appeared closed on my credit report. However recently the accounts are back open and delinquent. And the departure of education took my tax return as payment.
Consumer complaint received 2015-12-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO. (NY)

the debt collector called my fellow employees at my workplace and shared personal information about me.they told other other employees about a {$12000.00} debt that was supposedly owed from 2001.they were harassing me as well after i told them to stop calling me.
Consumer complaint received 2022-02-09
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: Financial Management Solutions, LLC (GA)

The settlement has been paid in full but I am getting the run around with getting my credit report updated with the correct information. The amount being reported is incorrect. The settlement amount of {$2600.00} has been resolved as of XX/XX/2022. Payments made for XX/XX/XXXX and XX/XX/XXXX were not reported. I have tried to get assistance with this but XXXX XXXX directs me to FMS Financial and they direct me to XXXX XXXX of XXXX XXXX. The funds have been collected but the creditors are not making the necessary updates that are a negative impact and housing status.
Consumer complaint received 2015-09-09
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (OR)

I had my directexpress card stolen and reported it within XXXX hour and closed it. I made a police report that same day then found out were it was stolen. I went to the minimart and talked to the manager and watched the tape of some woman stilling it..I then made several calls to the bank to resolve the issue. XXXX month later I finally received there form and sent it back. Two weeks ago I received a letter from them stating that they could not confirm that fraud occurred.
Consumer complaint received 2015-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Franklin Collection Service, Inc. (OK)

I paid {$90.00} to Franklin collection services, inc. via the pay online feature of their website. Since Id never received mail from them, I did not have an account with them. In the account field, I put my SSN. Franklin saying they have no record of my payment because I did n't use an account number
Consumer complaint received 2024-02-23
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 or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking 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 XXXXXX/XX/year>
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-09
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Consumer Asset Management (Texas) (NY)

My mom has been getting phone calls for 13 years about an old bill. Yes from 13 years ago. They have threatened to remove her furniture, take money off her credit card and now contacted mom 's neighbors to knock on her door. My mom is XXXX years old and almost completely XXXX. These people almost gave her a XXXX XXXX this week. Especially when neighbors are involved. 
My mom 's name is XXXX XXXX. resides in XXXX. I told XXXX XXXX she is in a XXXX home, so she stops calling. 

I have called debt management to confirm statue of limitations is 7 years. They have called relentlessly for years. 

I would like your help in contacting them and I would like to press charges for their scary tactics that has seriously done damage to us. 
They are XXXX XXXX XXXX XXXX XXXX TexasXXXX XXXX is the nasty lady, her number is XXXX XXXX but she picks up the call. 

Thank you so much, XXXX XXXX
Consumer complaint received 2015-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (TN)

I have an erroneous collection report from XXXX that continues to show on my credit report. I have written the collection agency about this item and they do not show an active or closed account with this information.
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (MN)

On XXXX/XXXX/15 TCF Bank reordered my transactions XXXX and debit my account XXXX for the same transaction XXXX/XXXX/15 XXXX XXXX XXXX ( {$140.00} ).
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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 remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (OK)

I have recently reviewed my credit report and noticed some unauthorized inquiries on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report
Consumer complaint received 2016-08-31
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Social Finance, Inc. (OH)

Went to lenders website and filed in base information. I.E. type of loan, reason for loan amount requested and my contact information. Got automatic reply stating that the loan was pre-approved! Went through the steps required, sending more information and answering replies to their emails regarding back up documentation. 

Sent email to CEO as requested on their website and was contacted by their consumer relations department. 

Received email two days later that loan was not approved for reasons they would not explain over the phone and the other reason because I had high revolving credit which is what I stated the purpose of the loan was to correct! 

Sent second email to CEO stating I thought their site advertising saying the loan was preapproved was misleading and false advertising and stating the obvious about the reason given for the decline response was the exact same reason I had applied for the loan. Again, no response from him but a contact from his consumer relations department saying they could not give me the real reason the loan was turned down over the phone but she could send me the credit report that violated their terms and conditions. These terms and conditions were never explained to me or listed anywhere on their website or advertising. 

This has caused me to again search for a personal loan from other companies and put another inquiry on my credit report for pursuing a loan so the next company can say to many credit inquiries as a reason for turning down a possible loan. Plus has set back the timing of consolidating my resolving credit situation costing me $ $ 's in interest at the higher rates. 

I believe their methods are very deceiving to the consumer and practices of asking for communication with the CEO are also a deceptive practice when he never really sees the complaint or addresses the issue even though it is promoted that you will communicate directly with him and they use his personal email as the communication point. 

I would classify this lender as a buyer beware company because they are not upfront with their practices and lending criteria. Just looking to take people off the market in the hopes of securing the business from other lenders. 

Lender SoFi Financial
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have had a Capital One credit for almost 4 years. Capital One still refuses to raise the credit limit and they use every excuse possible first from not enough payments made to inquiries on credit report. Capital One still has me with same {$700.00} credit limit for XXXX  years with no negative items on credit report and never late. Every time I ask for a credit line increase its always the same excuses. Theres also an option to sign up for over the limit purchases but thats not true they wont even approve {$1.00} over the crowd limit. Ive submitted complaints before to the CFPB against Capital One. They pretend it goes to a executive office and they actually look into it but really they dont all they do is just type up a fancy letter and send pretending what they said they would do. I am writing this review mainly so other customers can see how awful Capital One is. Even when my credit score was around XXXX they still would not raise the credit limit they would use every other excuse possible. Plus its pathetic that they have an option to go over your credit limit and then when you try to go over the credit but even a single dollar for an emergency they wont approve it. Of course Capital Ones gon na say that purchases are based on their discretion so thats the loophole or excuse that they can make but whats the point of having an option to go over the credit limit if they wont even allow you to go over by a dollar for an emergency. So I would not recommend Capital One to anyone they are ok if you have a low credit score but other than that theyre awful its better to go with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Plus anytime you call customer service too youll get someone overseas that just reads off of a script and doesnt understand most questions.
Consumer complaint received 2015-05-04
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (IN)

I have a auto loan with Gm Financial. The repo 'd my car and left a balance of. This attorney XXXX & XXXX sued me and garnished my wages. I been paying on it for 3 years and I showed it was paid XXXX 2015. I have called them 3 times along with GM Financial And sent them certifified letters to get this resolved. Still nothing from either of them. Under the fair credit act I have a right to this information. They still are garnishing my wages but I have no idea why and why I can not see my payment history to vertiify my payment history.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (VA)

The company Ally Financial claims I have a delinquent payment history with them and I still owe over {$1500.00}. In 2016 the car that is in this claim was in an accident. It was considered a total loss by the insurance company. I received the money from the company and fixed the car. Ally sent me the title to the car. Then I traded in the car to XXXX XXXX in XXXX Va on XX/XX/2016 with a clean title. I did not owe any money on that car.
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (PA)

On numerous occasions, I have tried to connect my online savings account from XXXX and connect it with my long established PNC checking account. PNC denies access every time and XXXX has tried working with PNC and yet they still refuse access. I cant have my savings transferred to my checking in times of need, nor does it allow me to make regular deposits from my PNC checking account to my high interest XXXX  savings account. PNC offers no savings accounts with the amount of interest I get from XXXX XXXX, the only way to deposit money into this account is virtually, which makes it impossible for me to do if PNC wont grant access to connect the accounts.
Consumer complaint received 2016-07-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (PA)

GM Financial XXXX XXXX XXXX XXXX Arizona XXXX office is XXXX XXXX and XXXX XXXX their customer service XXXX in XXXX XXXX to the present account # XXXX they continues to call my home and my cell phones XXXX and five times day and night we only have XXXX more payments remaining of {$2000.00} to make on our vehicle and we have spoke to several representatives over the phone numerous of times letting them know about our financial hardship and my wife is very sick and she is fighting with XXXX and she has been out of work from XXXX XXXX to the present it appears they do n't care, when we make our payments we also include the late fees to but that 's not good enough for them. I would like for them to stop calling and harassing us everyday and nagging us we will continuing to make our monthly payment until the loan has been satisfied we never once said to them we are not paying our loan It appears to be that they do not know what they are doing from the representatives to management all they care about is harassing their customers for every nickel and dime they can get. Thank you very much for looking into this matter and I can be reached XXXX - XXXX - XXXX.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

To whom it may concern. Not only did you not respond to my QWR in XXXX days you have not fixed your errors. As you know the CFPB has been notified and you finally sent me a letter saying you are researching. Not only did you not apply the XXXX payment correct. I had not received a bill from BSI or statement since XX/XX/XXXX. I paid off what was due and had still been fighting your incorrect again applying of funds there. XXXX is trying to make late as no bill and no online access. I received nothing for months and asking. Also your online statement shows nothing. I have emailed with zero response for a month. I copied CFPB on emails with supporting documents of my screen shots as well as attorney who is compiling all of the violations. I finally received XX/XX/XXXX bill on XXXX/XXXX/16 mailed by BSI on XX/XX/2016. Strange how that worked having to go to CFPB just to get XXXX to actually follow the rules. As a servicer as well the overall incompetence and overcharging has been caught. As with adjustable my payment in XX/XX/XXXX was XXXX which is the only time it can adjust yet all of a sudden now you are charging a different amount which is illegal and the changes were never put in to writing from you. It was just added as you felt necessary and I went through my entire loan with lawyer and we have actually found a great deal of violations which will entitle me to thousands now for the bullying and false charges throughout on this. I do not know why XXXX can not fix their wrongs correctly. It just so happens that my niece is now dating a man that used to work for XXXX and now is at another commercial loan company and he was pretty high up at XXXX as well as XXXX assets and a lot of information is coming out from this. It is quite interesting how this will be public with an investigation now by some lawyers and other people in southern California coming forward. Stop stealing money and apply the payments correctly. I should now be paid up through XX/XX/XXXX with all the charges that were wrong and still XXXX later can not be applied correctly. Also per the statement directly from XXXX in XX/XX/XXXX my XX/XX/XXXX payment had a partial of XXXX just sitting in the account and no one told me you were holding extra money. She said to pay XXXX so the entire XXXX would be applied but now XXXX just changes when they want. It does not work that way.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I never received my Benefits card when I called BofA the claim representative said the card had been used and we're gone and to put in a claim they would send out a new card and return the stolen funds as a courtesy. I received new card with no funds and still no funds. Bank of america said for me to prove that I didn't do transactions. Well if I didn't do them how can I get proof that's insane. But furthermore the claims rep said the funds would be replaced but I have yet to receive anything.
Consumer complaint received 2016-12-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I got a notice from my current mortgage servicer, XXXX XXXX XXXX, that they sold off my mortgage to a new servicer called Carrington Mortgage Services. I know that by law the new servicer is supposed to notify me in writing 15 days before the transfer and it is now 5 days after the transfer and I still have n't received any communication from them whatsoever.