davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CO)

account information is incorrect ... they say i owe {$99.00} in interest and yet they are taking {$210.00} i feel they are loan sharks ... i 'm sure after again reviewing my payment history this has been going on since 2012 this only one of my complaints..i constantly get the run around..i have tried making extra payments..i finally got that resolved ( i think although i do n't trust them and there math ) they made me go though many hoops on this write check call ect. ect. ect. and in end applied to interest, they are intimidating dishonest they also have to many service fees loan sharks
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (PA)

I disputed late payments on my credit report that was placed by XXXX  XXXX auto, they had 30 day leads that were in accurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The three credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from XXXX Equifax XXXX and XXXX  XXXX auto
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMERCE BANK (MO)

Commerce bank once again is charging me XXXX dallors per failed /bounced transaction and most creditors try twice and I have a hard time understanding why when I get paid they can't wait until that day to bill me I been out of work for almost 2 weeks bc of an injury I've paid 10 fees of XXXX dallors a total of XXXX dallors since XX/XX/XXXX and they return XXXX before that so that's another 3 a grand total of 13 {$480.00} dallors in fees in just a little over a month I could have paid my electric bill thats XXXX dallors im in tears right now and don't know what to do again please help me.
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MD)

I have an issue with which I would like to request some assistance. Approximately 10 years ago at the request of my parents, I co-signed for a van with my dad. Both of my parents had bad credit at the time and they asked me to co-sign with them so they could get the van. We did n't have a vehicle at the time as our old one had many mechanical issues. My dad worked and we needed one to get around. I was XXXX when I made this choice. I just did it and figured that it would be the last time that it would ever come up again. Approximately 4 years ago, the car was repossessed. This did n't mean anything to me because I was n't the one handling the van, any of the payments, or anything else that concerned it. We used a loan company called Santander Consumer USA. My father passed away a little over a year ago. His name is the only one besides mine on the contract for the van. I received a phone call from a debt collection agency concerning the van and some money that was due on it. I was told that I was now the one responsible for the remaining balance due, which is almost {$3000.00}. I ca n't afford this. I find it a little strange that there is a lawsuit against me after my dad died. There was plenty of time to reach out to my dad to resolve this while he was still alive. I am due in court in XXXX. At this time, I will have a judgement placed against me for the amount mentioned above. This will mean that I will end up having my wages garnished. My finances are already really tight and this would make things extremely hard for me. I have court papers and all documentation if that is needed for anyone to be able to assist me. I would really appreciate some guidance or help as far as what can possibly be done to help me.
Consumer complaint received 2016-04-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

On XXXX XXXX, 2016 I submitted an electronic withdraw payment from my XXXX account to pay my mortgage with Ocwen Loans. On XXXX XXXX, 2016 I received an email, on my bank statement, and electronic withdraw statement from my bank that the funds were withdrawn from my account and sent to Ocwen. Ocwen reported to me that they did not receive the funds until XXXX XXXX, 2016, making it 30 days late. Because it has been 30 days late, it is now showing on all three of my credit report. I talked to XXXX XXXX an escalation department manager. I emailed him documents that showed that the funds were sent and paid on XXXX XXXX, 2016. He talked to his accounting department, they reported to him, and he reported to me on my voicemail that they can not remove the 30 days late from my credit report. I 'm not satisfied with their decision, and I want the 30 days late to be removed from my credit report. I showed proof that this payment was paid in full by the XXXX of XXXX.
Consumer complaint received 2015-06-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I contacted the collection agency and we agreed to settle the account at {$250.00}. However, they tried to force me into giving them my banking information which I did not feel comfortable doing specially because they refused to send me a letter confirming the agreement of {$250.00} before making the payment. I sent them a check and a note indication that the check of {$250.00} was for full and final settlement of the account. I also put on the front and back of the check that this payment was for full and final payment of account ending in XXXX which they cashed. I then called the collection agency to request a settled in full letter and they refused and was asked by the manager XXXX XXXX to pay an additional {$200.00} to settle my account. I can provide proof that the check was cashed on XXXX/XXXX/15.
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (NJ)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Purchase a used XXXX from XXXX XXXX app, the seller called himself XXXX, he ask me 20 bucks for deposit and keep the item as sold status. So I sent he money and drive to the address. He ask me to pay for rest of the balance, so I know it is fraud. And then he disappear and no show on the meeting address.
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

I received a check from my mom for {$750.00}. I deposited it in my checking account ( XXXX/XXXX/16 ) and withdrew the funds the next day. Four days later my checkcard is declined and I am told by my bank that their loss prevention department suspected the check was counterfit. The check had already cleared my mom 's account. My payroll had also just deposited and it was enough to cover the check XXXX3 times over. I had no cash and they refused to release any funds. I spoke to XXXX different people before ending up with XXXX in the executive section. She was unhelpful, basically told me I needed to submit a Proof letter. She informed me I needed a letter and with the check number, amount, case number, my moms phone number and that she wrote the check. My mom provided the information and I verified they had recieved it. I was told that they should relase the hold in XXXX48 hours. They did authorize a partial amount for withdrawl, but returned several incoming payments that I had previously submitted. On Monday morning I called again. My account was still on hold. I was escalated to the executive side again and was told by XXXX that the letter was n't sufficient. My mom then went into a XXXX XXXX XXXX Branch ( this is her bank ). They told her that they did not have letter head in the branches, but made copies of the cleared check authorized and verified my mom did authorize it as well as her signature and used the official XXXX stamp to certify its authenicity. That was sent to them on Monday the XXXX. They still refused to release funds and were indicating their intentions to close my account in spite of me providing all the information they requested. The next morning my mom went to a Wells Fargo branch with all of the information to provide unquestionable proof that it was not fraud. Wells Fargo refused to help her because she was not the account holder. The W.F. investigator then made the decision that it was not a legitimate check ( or so loss prevention told me ) and that they were closing my accounts XXXX XXXX and that I would recieve a cashiers check in the mail shortly there after. So that left me having NO MONEY and multiple returned items and overdue bills until at least XXXX XXXX. I requested the manager of the exectuive office to call me and they never did. I have gone to XXXX different local branches and every officer at each location tells me that it makes no sense that the documentation should be sufficient, but none of them have been able to override loss prevention. I contacted them once again yesterday and they grudgingly agreed to release my funds with the condition that I close the account after I had said that I would be contacting the CFPB. I now have no checking account and have been denied opening a new account with several other banks due to the freeze and " fraud '' that Wells Fargo is claiming.
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

HI, THESE INQUIRIES SHOULD HAVE BEEN REMOVED OFF MY REPORT, IT IS NOT FAIR THAT I HAVE TO SUFFER FORM FALSE REPORTING INFORMATION, PLEASE CAN YOU FIX THIS AND REMOVE ASAP THANK YOU
Consumer complaint received 2020-10-16
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 — Problem with personal statement of dispute
Company: FIRST HAWAIIAN, INC. (HI)

XXXX XXXX XXXX credit card balance was paid off on XX/XX/2020. XXXX  continues to report an existing balance of {$2000.00} which is clearly wrong. Even the creditor confirmed to me via phone call that the balance is indeed 100 % paid off. Furthermore, even XXXX  and XXXX  agree with me and the creditor. Both of these credit bureaus are reporting the balance correctly as XXXX  and paid in full. I am attaching screenshots as proof that either XXXX  or First Hawaiian Bank is doing something wrong. This has negatively impacted my credit score, dropping it significantly by 17 points.
Consumer complaint received 2022-07-19
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. (NC)

Someone pretended to be an employer from XXXX. I got hired. They sent me a welcome packet which consisted of I-9, direct deposit slip, etc. I filled it out, and that is how they got my personal information. I did a report for them and never got paid, that is how I found out they were crooked. When I told them how crooked they were, they deleted all accounts. I was no longer able to reach them. 

I have 18 inquiries that I did not authorize : ( some are duplicated ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Fraudulent Accounts on my Consumer report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Incorrect Address on Consumer Report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ECMC GROUP, INC. (CA)

On XXXX XXXX, XXXX, I submitted a CFPB complaint against ECMC for fraudulently and illegally garnishing my wages ( CFPB Complaint # XXXX ). In response, ECMC never provided debt validation, posted my own Notice of Intent to Sue in place of an explanation and claimed that it was keeping the " trade line '' on my Credit Reports, even though it blatantly failed to abide by the FCRA, FDCPA and California XXXX XXXX. My credit report erroneously stated that I had a loan from the lender of " University XXXX XXXX XXXX '', which is not a lending institution, financial institution, nor bank. ECMC then claimed that it was collecting funds on behalf of the University XXXX XXXX XXXX, even though ECMC was not the lender, servicer, nor guarantor. I checked my Experian credit report on XXXX XXXX, XXXX, and I have found that ECMC no longer lists itself as a " trade line '', for supposed loans obtained in XXXX to XXXX, but now lists itself as a new loan originator, with XXXX loans originating in XXXX. I did not attend college in XXXX. I did not take out loans, and I did not contract with ECMC. I never received loans from ECMC, nor any organization affiliated with ECMC. It is clear that ECMC is insistent about wanting to take money from me, even though it has not met its burden to provide proof of the existence of a debt. They are engaged in illegally altering my credit reports, and they are actively engaged in fraud. Further, they contacted the University XXXX XXXX XXXX and requested my transcripts, which is a violation of XXXX. The college provided my Student ID number, all personal data, and grades. All of this happened months AFTER filing a CFPB complaint ( XXXX XXXX, XXXX ). I attended college 12 years ago, and I have never heard anything about supposed loans and never received any documents. The more information I give via complaints, the more ECMC chooses to contact additional people and agencies. I WILL NOT tolerate this financial fraud. My credit score and credit report are the lowest they have ever been ; this is due to the fact that with a 22 year credit history, I now have XXXX " new accounts '' that are XXXX years old and all adverse. These XXXX new accounts were just added after I submitted my XXXX XXXX, XXXX CFPB complaint. I have attached each of the XXXX new accounts listed on my credit report as XXXX files. The process of filing police reports, contacting various agencies, and initiating a lawsuit, are all very time intensive, and the lack of recourse for such blatant violations is astonishing. Even through the crisis of XXXX, I have never seen XXXX in this condition, and it is simply horrifying. How many times does ECMC have to be sued before this will stop permanently?
Consumer complaint received 2022-02-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (NY)

In XXXX of 2021 I entered into a reduced payment plan agreement with Discover Student loans at $ 50 monthly payed automatically. The description of this payment plan was provided as being a minimum of 6 months and but was told I my would continue for a total of 12 months and that we would then reassess my financial situation at that time. 
However very suddenly in XXXX the payments stopped being auto drafted and am now being told the program was only for 6 months and being placed back in the same program was not an option. I had had a very good payment history and never missed a payment and they are now asking for hundreds of dollars monthly that I can not afford and threatening to charge off the entire loan. 
Additionally they have threatened to go after my co-signer who is my former step father. These loans were purchased by discover student loan years ago from XXXX student loans. Whole with XXXX, my step father had been removed as a co-signer, however after being acquired by Discover he was added back on without notice. My mother past away a few years ago very suddenly and my former step father is now remarried and lives in Florida. He already having been previously removed as a co-signer while held with the loan originator XXXX XXXX due to good payment history and that fact that my mother is dead, leaving him totally without any responsibility for these loans, and for Discover to threaten to go after him is wholly unacceptable. 
I have offered to continue with the same arrangement until I am in a better financial position to make my standard payments. I even offered to increase the payment amount to {$75.00}. Twice I have called and asked for the issue to be escalated to a supervisor for help and each time I have been placed on hold for greater than 30 minutes until the line suddenly disconnects. 
This would benefit both me and Discover as I will receive an affordable payment and Discover received a greater amount of net interest income over time.
Consumer complaint received 2015-03-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I am assisted with my mortgage through an agency. Since I am XXXX, XXXX, and on a XXXX this helps me pay my mortgage. GreenTree Mortgage bought my mortgage from XXXX Mortgage XXXX year ago. I have my mortgage amount debited out with auto pay from my credit union and the agency sends the balance through their account which is automatically deposited in Greentree 's account from their bank. Periodically Greentree has called me and asked me where was the agency 's payment and I have told them to call the agency. In XXXX I received a call from XXXX at Greentree XXXX asking me for XXXX 's payment from the agency. After calling the Agency and being advised by them that Greentree should look through their lists of bank deposits and my telling Greentree what they said. I also told them that my portion was being discontinued as of XXXX XXXX and just the agency was paying the full amount. I was asked by XXXX to send proof with the letter sent to me by the agency, along with a cancelled check, my bank statement showing the amount deducted and a letter stating that I no longer wanted the amount I had been paying deducted out of my account. Greentree still deducted the payment and after I called to ask when they were going to reimburse me I was told by the Customer service rep that because I had blackened all the transactions on my bank statement they would n't send me a refund. That I needed to send them a bank statement without the blackening of my transactions. I responded that I did n't blacken the amount withdrawn by Greentree and I believed my transactions were private and there was no need for Greentree to know my business. To this date, I have not received my refund and they are not returning my calls.
Consumer complaint received 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I've owned my house 19 months and the value has gone up significantly. The value of my home vs what I owe is way more than 20 % therefore I want to drop the PMI. I contacted my mortgage company, Mr. Cooper to do this. I initially contacted them in XX/XX/2021. I've contacted them in total 6 times about this same mater. Every time I call it takes anywhere from 1hr to 2 days ( in the recording you can leave a call back number, no they won't provide a direct number to the PMI department ) to get In touch with someone in the PMI department. When I finally get to talk to someone they have no record of my previous call or calls. Every conversation I have to repeat myself and I learn of a new step in the process. First I was told just to submit in writing requesting it be dropped along with an appraisal. Then it's up to XXXX XXXX  and that I needed a " PMI Appraisal '' and that I needed substantial improvements to the house. Mr. Cooper then submits the PMI appraisal to XXXX XXXX, XXXX XXXX takes 30-60 business days to review my request. Here I am 4 months later and it's still not done. I'm still having to pay my PMI monthly with no end in sight.
Consumer complaint received 2020-10-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX XXXX XXXX  credit card balance was paid off on XX/XX/2020. TransUnion continues to report an existing balance of {$2000.00} which is clearly wrong. Even the creditor confirmed to me via phone call that the balance is indeed 100 % paid off. Furthermore, even XXXX  and XXXX  agree with me and the creditor. Both of these credit bureaus are reporting the balance correctly as XXXX  and paid in full. I am attaching screenshots as proof that either TransUnion  or XXXX XXXX XXXX  is doing something wrong. This has negatively impacted my credit score, dropping it significantly by 17 points.