davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I CAN NOT believe that Experian is STILL reporting the account XXXX XXXX XXXXXXXX, although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 

I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Failure to enter the required notice of dispute per section 623. 

Each credit bureau lists a different open date. Experian XX/XX/14, XXXX XX/XX/14. How is that accurate? 

There should be no past due on a closed and charged off account yet Experian lists a past due amount of {$2100.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate. 

This account has not been purchased by another lender yet Experian lists that as a comment on this account. How is that accurate? 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Please DELETE this inaccurate account from my credit report and provide me with an updated credit report as quickly as possible. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2019-02-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (NM)

Back in XX/XX/ 2018, I called XXXX that I wanted to surrender the vehicle but they said it has to be 72 days delinquent for them to reposes the vehicle. It has been four months now that it has been delinquent. I can't pay for the car and I just ask that it be picked up but they just keep offering me deals to lower the payment.
Consumer complaint received 2019-02-18
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. (TX)

XXXX XXXX refuses do conduct an investigation. XXXX XXXX representive would rather dispute my complaint over fixing my credit report. 

XXXX XXXX  IS currently reporting inaccurate information on my credit report. On XXXX  Equifax and XXXX XXXX it shows reporting that my last date of payment was XX/XX//2016. 

XXXX XXXX also reports that I was late XX/XX/2016. When speaking to the person responding to my complaint he/she states In summary, your account became 30 or more days delinquent in XX/XX/2016 and was never brought current. 

This person responding to the complaint states that I am not factual but proves my complaint valid with the statement above. I have been disputing a number of inaccuracies but like the repersentive above said I first late on XX/XX/2016. 

So this INDEED MEANS the First date of delinquent was XX/XX/2016 and NOT XXXX/2016. 

While the repersentive is attempting to school me heres what he/she said as well First, your date of first delinquency is XX/XX/2016. Our records reflect that the account was due for the XX/XX/20/16 payment which was paid on XX/XX//2016. 

Then sends me an account paying history statement that I will attach. 

XXXX XXXX OWN statement shows the following. 
The rep states my due date was XXXX Due XX/XX/2016 Payment XX/XX/16 Due XX/XX//2016 Payment XX/XX/16 How can I be 30 days late? Based on your own statements it shows youre violating my rights! While, protesting against my complaints instead of doing an investigation. 

XXXX XXXX reports on all credit reports that I am 30 days late XX/XX/2016 and my first date of delinquent was XX/XX//2016. 

I get back in 2016 that I made mistakes but this erroneous reporting and going back in fourth instead of an investigation proves XXXX XXXX has some malicious intent to keep inaccurate information on my credit report. This is vindictive credit reporting If a Definition was needed. 

Again, there are 3 reasons this account needs to be removed! 

1. I WAS NOT late XX/XX/2016 2. XX/XX//2016 was not the first date I was delinquent 3. This account should not CURRENTLY be reporting as a charge off. As this debt was dismissed in Bankupcy court. 
4. 76 month Terms reporting on a closed account
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX refuses do conduct an investigation. XXXX XXXX representive would rather dispute my complaint over fixing my credit report. 

XXXX XXXX IS currently reporting inaccurate information on my credit report. On XXXX XXXX   and Trans Union it shows reporting that my last date of payment was XX/XX/2016. 

XXXX XXXX also reports that I was late XX/XX//2016. When speaking to the person responding to my complaint he/she states In summary, your account became 30 or more days delinquent in XXXX 2016 and was never brought current. 

This person responding to the complaint states that I am not factual but proves my complaint valid with the statement above. I have been disputing a number of inaccuracies but like the repersentive above said I first late on XX/XX/2016. 

So this INDEED MEANS the First date of delinquent was XX/XX/2016 and NOT XX/XX//2016. 

While the repersentive is attempting to school me heres what he/she said as well First, your date of first delinquency is XX/XX/ 2016. Our records reflect that the account was due for the XX/XX/20/16 payment which was paid on XX/XX/2016. 

Then sends me an account paying history statement that I will attach. 

XXXX XXXX OWN statement shows the following. 
The rep states my due date was XXXX Due XX/XX//2016 Payment XXXX/XXXX/16 Due XX/XX/2016 Payment XXXX/XXXX/16 How can I be 30 days late? Based on your own statements it shows youre violating my rights! While, protesting against my complaints instead of doing an investigation. 

XXXX XXXX reports on all credit reports that I am 30 days late XX/XX//2016 and my first date of delinquent was XX/XX//2016. 

I get back in 2016 that I made mistakes but this erroneous reporting and going back in fourth instead of an investigation proves XXXX XXXX has some malicious intent to keep inaccurate information on my credit report. This is vindictive credit reporting If a Definition was needed. 

Again, there are 3 reasons this account needs to be removed! 

1. I WAS NOT late XX/XX/2016 2. XX/XX//2016 was not the first date I was delinquent 3. This account should not CURRENTLY be reporting as a charge off. As this debt was dismissed in Bankupcy court. 
4. 76 month Terms reporting on a closed account
Consumer complaint received 2019-02-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes on XX/XX/2018, Equifax, XXXX , & XXXX have failed, in concert, to respond to my disputes. They have violated the follwing FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I am asking the CFPB to enforce this regulation with all three credit bureaus.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (CT)

XXXX XXXX  has been making harassing collection calls when payment is not due as of yet, due date is XX/XX/XXXX in the amount of XXXX. The account was under a hardship program prior and removed due to a returned payment in the amount of XXXX. This payment was scheduled to be drawn from a closed account which was not known to me, payments are currently scheduled to be drawn from my current account ending in XXXX. I was under the impression the payment would be drawn from this account as well, it was returned because the account drawn from was closed. I request calls stop and account added back on to hardship program.
Consumer complaint received 2019-02-18
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: Experian Information Solutions Inc. (NY)

i feel my personal informantion was taken around 2017 used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts thaf was open in my name without my authorization
Consumer complaint received 2019-02-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

On XX/XX/2018, I opened a citibank checking account under the following promotion : " XXXX XX/XX/XXXX XX/XX/2018 Retail Checking XXXX AAdvantage Miles Offer ( Promo Code : XXXX ) '' Under the terms of the promotion, if I completed the following two required activities within 60 days of account opening : 1 ) {$370.00} in debit card purchases, and 2 ) Download the Citi mobile app and log, then I would be rewarded with XXXX miles added to my XXXX XXXX account within 90 days of completion. 


I have proof of activity 1 on page two in the attached bank statement. Activity 2 is proved by the existence of a " mobile check deposit '' which is a check deposit done via the mobile app ; this appears on the same statement. The above two activities posted on XX/XX/2018 which was within the 60-day deadline. 


Citi already has my AAdvantage account number, XXXX, because I have an AA cobranded credit card with them.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

I have a loan with JPMCB CARD, XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, JPMCB CARD, XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-02-18
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: LEXISNEXIS (GA)

I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OH)

I paid the annual fee on my credit card on XX/XX/2020. A little over a month later the bamnk decided it was going to close my card with no reason given. The account has remained in good standing with no negatives, nor has any negative information appeared on my credit reports. I would like my annual fee back. I contacted the bank asking for a refund for the annual fee and they mailed a letter declining my request
Consumer complaint received 2019-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX 1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX * ACCOUNT XXXX
Consumer complaint received 2020-09-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (MT)

1. USBank plays favorites. My lease buyout with XXXX XXXX is {$24000.00}. At XXXX XXXX it is {$32000.00} because they don't have a relationship with USBank. 
That is punitive to both XXXX XXXX and me. If I choose to deal with XXXX XXXX I have to pay the lease off with my own money. 
2. USBank doesn't allow payoff by XXXX  XXXX or ACH. They require a personal check, Cashiers Check or XXXX XXXX. I XXXX  my check with the required payoff and documentation to USBank. They received it at XXXX XXXX on XX/XX/20. The check has still not been processed 8 days later and they tell me when they do cash the check there is a five day hold on the funds. Then they process the title. This process could take a month. It should never take over 5 days. In the meantime the trade in value of my truck has gone from {$31000.00} to {$30000.00} XXXX XXXX Offer ). This process is punitive to me to all lease customers. 
3.I have spoken to at least ten employees, 2 supervisors, and have left messages with an operations manager. None of them could tell me how or to whom to complain. There is nothing on any USBank Website that I could find that allows me to make a complaint with them or CFPB.
Consumer complaint received 2019-08-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX is incorrectly reporting to Equifax ; XXXX and XXXX two ( 2 ) collection accounts. The first collection is for {$87.00} partial account number XXXX ; and the second collection is for {$130.00} on partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have insurance, please see copy of attached insurance card, however XXXX XXXX XXXX never billed the insurance company and because of this error on their part, these accounts were never paid and consequently these accounts were sent to collections. I do not owe the {$87.00} collection nor do I owe the {$130.00} collection. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-08-20
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: Experian Information Solutions Inc. (TX)

I am filing this complaint against Experian for reporting false public records, fraudulent accounts, incorrect addresses, outdated negative information and unauthorized inquiries on my credit file in violation of my rights under the Fair Credit Reporting Act. I have been a victim of identity theft and the items listed on my credit report do not relate to any of the transaction that I have made or authorized. I have provided Experian with police report and Federal Trade Commission identity theft report on numerous occasions.
Consumer complaint received 2019-02-18
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. (FL)

I HAVE CONTACTED THIS COMPANY SEVERAL TIMES PAST 3 MONTHS TO DELETE AND DISPUTE THIS INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CONSUMER FILE. THIS IS AFFECTING ME AND I WANT THESE REMOVED IMMEDIATELY.
Consumer complaint received 2019-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (GA)

I go to check my credit on XXXX XXXX and I realize I have this medical bill in collections. I don't remember ever receiving a bill or notice of some sort. I don't even remember what I was at the hospital for or even if i was there. I go to a credit repair company and maybe a month later and it is off my credit and my credit is raised some points. I am happy and content. As I check my credit again about maybe a month later and it is back on there and my credit drops again. I call the debt collection agency and ask to speak to someone to remove it but they can not remove it. I'm not even sure if this is mine but the balance was low so I paid it in full but they told me they can not remove it off of my credit and only say it was a paid collections.
Consumer complaint received 2019-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MD)

I entered a modification with Selene Finance in XX/XX/XXXX and never recieved any statements or tax documents for 2 years. 6 different times as in attached summary i tried to reach out to Selene about no statements or tax documents and informed them that I had no lawyer ( which was always their reason for not talking to me.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX were dates of contact there were a few other calls not documented to.on XX/XX/XXXX and XX/XX/XXXX XXXX  told me all she had to do was send a document to law firm and wait 20 days for their responce to remove them from file so someone would talk to me as id had someone sneaking around my home taking pictures scaring my girlfriend to death saying they were from Selene finance.XXXX said the reason for that was i was 2 months behind on payments until she looked up account and no I see youve made all payments. 
Transfered to XXXX -- -- -- cant talk you have a lawyer.Informed them on XX/XX/XXXX and XX/XX/XXXX that there would be no more payments made until my questions were addressed. Letter was also sent with payment on XX/XX/XXXXand XX/XX/XXXX stating the same. On XX/XX/XXXX got message to call Selene and a letter of default and intent to accelerate. Called on XX/XX/XXXX sent to XXXX voicemail, same everyday until XX/XX/XXXX.XXXX says lawyer was removed and sent mw 2 years of tax documents and a statement.Check for februrary was mailed out same day. Seleene says they cant accept payment fill out a packet.
Consumer complaint received 2019-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (AL)

In XX/XX/XXXX Santander became my automobile finance company after I put $ XXXX down on a car. It's now XX/XX/XXXX and I still owe just as much as I did in XXXX. I don't understand how I could pay {$32000.00}, total to date ( XXXX ) and still owe over $ 24k. I've been a loyal customer to Santander but I can't get any help with this problem. I found out today that Santander had assigned my car for repossession without my knowledge. I'm constantly threatened with repossession and I get 7-10 phone calls every week. All of this and I've paid them over $ 32k. Santander had me paying interest only some years ago and I don't know if this added more money to my loan or if it was extended. I was never told if any time or money was added to my loan. I need help with this Issue ASAP because my loan matures in XX/XX/XXXX and Santander shows that I still owe over $ 24k. Santander has made a lot of money on this deal and they are acting in a predatory fashion by trying to prolong the loan and repossess my car. Please help.
Consumer complaint received 2019-02-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

I have been struggling to repay my student loans. Over the years my student loan company Navient has insisted I pay more than I can afford, this has forced me to request deferments. I was unemployed for 4 years and requested deferment at that time, however when I attempted to start payments again the company insists that I pay such a large percent of my income, it makes it impossible. Right now they are insisting I pay {$1000.00} a month! I need a flexible payment plan so I can afford food, gas, tolls and rent, not to mention be able to go to the Dr. once in a while-I have not been to my PCP in over a year. I am requesting to start with a monthly payment of {$250.00} to XXXX a month and then I can increase the amount next year. If my car breaks down, I have no way to fix it and get to work with this large amount they want. They set borrowers up for failure. And on top of that the website mentions nothing about student loan forgiveness, there is no drop down box for that-I am a social worker and have been one for going on 15+ years now. The high amount they want means I can't make consistent payments to qualify for student loan forgiveness! Right now that program only allows you to get your loans forgiven if you make consistent payments for 10 years-another barrier. Please help. Thank you.