davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (LA)

I have an auto loan with Santander Consumer USA on XX/XX/XXXX. I unfortunately had to declare bankruptcy in XXXX, XXXX. I signed a reaffirmation agreement on XX/XX/XXXX with Santander stating I would continue making my regular monthly auto payments to Santander Consumer USA. My bankruptcy case was XXXX XX/XX/XXXX. 
One week ago, I tried to refinance my car in order to get a lower monthly note. Upon finalizing the deal, the lender told me they could not finish the loan due to the fact that Santander has NOT reported ONE single payment after my bankruptcy to any of the three credit reporting bureaus. I called my attorney, she re-sent me the Reaffirmation paperwork, I called Santander Consumer USA back and told them they were obligated to report my monthly payments to the credit bureaus and they told me, after speaking with the manager on duty, they did NOT and would NOT ever be reporting any payment of mine since the discharge nor any future payment I made. I asked what my options were and they told me : I have one option ... pay the entire loan off. What a XXXX auto loan company ... that IS against the law and I want to know what you will do about it since I see there are MANY unhappy customers who have also been screwed over by Santander XXXX. This is grounds for discrimination, defamation of character and surely an FCC violation and fraud! Please teach Santander Consumer USA a valuable lesson so they do not have the chance to hurt other vulnerable blue-collar workers just trying to take care of themselves and their families, please.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC (TX)

In a recent review of my credit report, I have noticed you are trying to collect on a debt you say I own you, but I have never received a call or letter from you, so I need you to please tell me on what date did I open an account with you and why you think I owe the debt. Send me a signed copies where I contracted to do business with you and the date I entered into an agreement with your firm or the name and address of the original creditor to whom the debt is currently owed, the account number used by that creditor and the amount owed to that creditor the date it was open and the date it was transferred. 

Pleas provide verification and documentation with my signature on it, and that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide written agreement that created my original requirement to pay the amount and age of the debt, a copy of the last billing statement sent to me by the original creditor. Explain how the debt is permitted by law and if so why you did not give written notice that you are taking action past the limitation period and are you trying to get around this law by reporting and old debt as newer that it really is. But by lying about the age of the account is or the date of any delinquency, you or the debt buyer violates the FCRA.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I disputed a medical collection with ARS that was reporting on XXXX and XXXX  and requested validation under the guidelines set forth by the FDCPA, Texas Finance Code and HIPAA. ARS responded but did not send any documentation to support their claim that I owe the amount reported. A demand for removal was sent to ARS and they received it on XX/XX/2021. However, instead of removing it as they should have per federal and state law, they opted to report the disputed account to XXXX. This act has severely damaged my credit reporting and is concerning since each account newly reported was in dispute. I have attached documentation to show that the dispute had not been resolved and this act may have possibly violated several consumer protection laws.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (FL)

They have been sent numerous complaints. The XXXX has been contacted since XXXX, XXXX, and XXXX. I've requested reports and documents to validate their claims and I've received nothing yet they continue to report false information to experian who have corroborate with them and never provided any documentation to the accuracy of the account. The accounts are not reporting 100 % accurately and also identity theft reports were sent as well as ftc fraud reports sent to experian. 15 U.S. Code 1692c - Communication in connection with debt collection says that all communication should cease and desist. no talking to any bureau or me
Consumer complaint received 2023-03-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NY)

I have numerous court records showing Navient has sent out old loans to XXXX XXXX who sent them to a collector named XXXX and XXXX who are now collecting on accounts Sallie Mae determined were not mine! This took place over 10 years ago and now they are re opened. Navient has passed this off as a court record yet THEY own the contracts. I have told them over and over and over these were closed by Sallie Mae and they even contacted me about not collecting on them again. Navient is hiding behind the debt collectors ( XXXX and XXXX and XXXX ) who illegally filed records without serving me. I have asked over and over to have this re opened at the courts and they have not done so. XXXX responded to my complaint claiming I said it was fraud and I never said such a thing. I said I was never served and Navient is responsible for this. Sallie mae passes me to Navient who passes me to XXXX who passes me to XXXX and NOBODY is doing a thing! I want this case re opened and the garnishment stopped!
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I was alerted on XX/XX/2020 by my XXXX XXXX XXXX XXXX ID. My former creditor XXXX has reported fraudulent account information to Experian Credit Bureau. I have proof of the fraudulent data reported and will attached the document. I no longer do business with XXXX. I paid off my auto loan with no balance and the company mailed me my vehicle Title. XXXX has reported to Experian that my account is still open with them and that I have an account balance of {$1000.00}. Which is 100 % in accurate. I filed many complaints in regards to the illegal business practices that the company is doing and the harassment that I have faced and still is facing. The fraudulent information reported to Experian has caused a tremendous downfall in my credit score. As a U.S. Citizen, this is not right and the company needs to be fined for there illegal actions. Would you please assist with this matter? I have submitted several complaints and yet I am still be harassed.
Consumer complaint received 2020-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

Shellpoint Mortgage Servicing is in violation of CFPB 1024.37 ( b ) Basis for charging borrower for force-placed insurance. A servicer may not assess on a borrower a premium charge or fee related to force-placed insurance unless the servicer has a reasonable basis to believe that the borrower has failed to comply with the mortgage loan contract 's requirement to maintain hazard insurance. 

The property is a condo and they are requiring I provide them with master HOA insurance policy showing the renewal. I obtained an updated copy and provided it to them multiple times. It is the same policy number, coverage amounts etc. as the previous policy and shows updated coverage dates. Please note this is a recurring pattern with this company .This has happened to me twice since my account was transferred to them in XX/XX/XXXX. I provided them a copy of master HOA policy at that time and several times after and they still forced placed insurance and it did not get resolved until XX/XX/XXXX and now the exact same thing is happening again due to insurance is an annual policy. 

I received a letter from them on XX/XX/XXXX advising a renewal HOA hazard insurance was needed. I uploaded the renewal policy to the portal as indicated on the letter at XXXX along with a code to enter on XX/XX/XXXX. 
I received no reply. XX/XX/XXXX I received a second and final notice to provide insurance. I called Shellpoint on XX/XX/XXXX and after an extensive hold time spoke to a rep in the insurance department who didnt seem to know what an HOA master policy was and told me to upload my tax bill because they were so clueless as to what insurance is. After I repeatedly corrected their rep, I was told that portal on the letter was not good and that I should log into their website for better service and attach the proof of insurance to an inquiry. There is no mention of this on either letter. I did as suggested the same day and sent the HOA renewal policy through another tool on their website. I was told it would take 3-5 business days for it to be reviewed and the only way I could tell if it had been cleared and accepted was by checking my statement. On XX/XX/XXXX I received my statement showing Lender placed insurance hazard disbursement on XX/XX/XXXX for {$160.00}. This is the 2nd time in a row they have done this to me and is a clear abuse of power especially to people who are uniformed of the process and unfamiliar with regulations such as this one. They are unfairly charging customers by charging for Lender forced placed insurance when proof of adequate insurance was already received by them.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX. has a policy where if you miss XXXX of your payment, get returned back, they cancel your whole credit line. didnt even miss a payment, just had auto pay on the day before due date. and i didnt have the amount then, but paid the payment, so it wasnt late.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2020 and XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded to any of my letters, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (FL)

This is a continuation of this complain, XXXX. XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is extorting my daughter for being ignorant of the law. They refuse to settle this case and they have taken her income tax check of {$1900.00} in a pandemic. This account was settle in the court in the state of Idaho. These charges were made by her now ex husband without her consent, and he agree to paying it in a court of law. " garnish his taxes '' The credit limit on the XXXX XXXX XXXX account was {$1900.00}, This case should be closed and documentation stating its closed should by sent to us as well as the credit agencies. 

Please review and advise XXXX XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I purchased a new home in XXXX 2020..I applied for a tax reduction from the XXXX XXXX by using prop XX/XX/XXXX which you can transfer your old tax base from your old house to your new house..I was granted the tax reduction in XX/XX/XXXX. But I needed to wait for my supplemental tax bill. Once I received it in XX/XX/XXXX s was notified that the loan was being transferred to PNC Bank starting in XXXX 2021.so I started the process in XX/XX/XXXX, XXXXI was told to fax over the yearly property tax bill and the supplemental tax bill which verified my new tax obligations.I keep being given the run around..by saying it being reviewed, so I received I sent the ed supplemental bill to Pnc Bank because I knew was overpayments in my escrow account.thry paid the bill then increased my mortage, then they changed it back and send me around {$1500.00} after paying my {$440.00} supplemental taxes..But the won't reduced my payment. So I complain to the Corporate office at PNC Bank.I received a call from XXXX XXXX on XX/XX/XXXX He seemed XXXX sent XXXX all of the documents again on XXXX XXXX.He said he would get right on it.Now He ask me for something I already sent him..so I sent it again..Now I cant get XXXX on the phone not will PNC bank help me because XXXX is in charge..i need help..I 'm paying {$700.00} in property taxes monthly my new estimated tax are around $ XXXX.please help.. 
XXXX XXXX
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cajie LLC (NV)

I had a mortgage broker do a hard pull on my credit report without my consent! 

XXXX XXXX Senior Mortgage Loan Originator Transaction Coordinator - XXXX Team XXXX Office : XXXX ext XXXX Cell : XXXX NMLS XXXX When confronting her she tried to blame me and then had her file paperwork about incorrect credit pull she claims she did and said 30-90 days. Its been almost 120 and nothing has been done
Consumer complaint received 2023-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding LLC keeps reporting derogatory and negative remarks about my ability to pay my bills by stating that I owe them money. I disputed the claims of money owed through the credit bureaus and they still said it was valid and it is indeed not valid. I have never contracted any services nor contracted to do business with Midland Funding LLC. This has been constant harassment by their company in my pursuit to rid my credit report of companies which claim money is owed which have no validity. Furthermore, I have reached out to any creditors that I may have had or been in default with and remedied the problem. This company I have never conducted business with!
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

OnXX/XX/2023, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I never opened an account with XXXX. Someone else opened an account with them in my name, using my SSN. XXXX refuses to consider my arguments and holds me liable for loans I never took. I do not have any log in or passwords on their web-site, so I can not even log in to their web-site. 
The frauder used an address, phone number and email that are totally unknown to me.
Consumer complaint received 2024-11-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP (MD)

I applied for an assumption loan fron US bank to have my ex husband removed due to our divorce becoming final and a court order which stated for me to receive the house. After receiving this judgement I spoke to a representative that stated before I could move forward I would have to pay the intial first time buyer loan off totaling {$11000.00} that was attached to the mortgage, before I could assume the loan for the house and have my ex-husband name removed from the mortgage. After I paid the remaining balance of the first time buyer loan I spoke to a representative in the assumption departement to assure my interest rate would remain the same and would not be increased. I then completed the application in XX/XX/XXXX along with all requirements However upon receiving all my information my application was denied and I was informed that I would need a co borrower to move forward due to me not having enough debt to income. The loan officer returned all payments I initially sent in and informed me that I would have to complete a new application with my co borrower which is my son who is employed and raised my debt to income to the 45 % that they requested. In order for me to compete the application again I sent another 2 checks totaling {$990.00} to begin the loan process and complete all credit reporting needs. They requested all paperwork revolving around our credit and income. However they need to verify my son 's job and paystubs from XXXX and XXXX. I received a call on XX/XX/XXXX and stated they tried to contact me via email but did not receive an answer I informed the XXXX an email was never received by me and the phone call we were currently on was the only communication I have had from them. They then stated they sent a email to my son on XX/XX/XXXX and has closed my loan case due to my son not having enough credit and I now have too much revolving credit. However this information is incorrect. My son has a background of having credit cards that he does pay on time.And the only revolving credit that I currently have is one car payment which is totally {$11000.00}. They also stated that they would not return the 2 payments and they were non refundable, which was the {$900.00} for completing the loan process and {$97.00} for both myself and my son 's credit report to be pulled.
Consumer complaint received 2021-05-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I sold my XXXX XXXX XXXX to XXXX XXXX in XXXX  XXXX, VA on XX/XX/XXXX. My loan was with Bank of America. Since my Bank of America loan for my truck was opened in XX/XX/XXXX, I never had a late payment. I have never had a late payment on my credit report with any vendor. I've also been a customer of Bank of America since XXXX. I signed all the appropriate paperwork while at the dealership on XX/XX/XXXX that allowed them to pay off my loan and take ownership of the truck. XXXX XXXX sent a check to Bank of America on XX/XX/XXXX to pay off the vehicle. It appears the amount that was sent was not the correct amount as I received notification in XX/XX/XXXX from Bank of America that there was still a balance on the account ; {$39.00}. I advised Bank of America the truck was no longer in my ownership and the dealership owed the truck as I traded that truck in. The truck was no longer on my auto insurance and the DMV records were already updated reflecting that I no longer owned the truck. In addition it appeared XXXX XXXX had already resold my truck sometime between the time I traded the truck in and from the time I received notification from Bank of America that the loan was not satisfied. I advised Bank of America on the phone that it appeared that XXXX XXXX either didn't calculate the interest correct, wasn't given the correct amount or just paid the wrong amount when they went to pay off the loan and I asked Bank of America if they could waive the remaining balance since obviously this was a simple error. Bank of America refused to waive the remaining balance of {$39.00} and stated that I or XXXX XXXX would need to pay the remaining balance. XXXX XXXX issued a payment for the remaining balance that satisfied the loan. As a result, my XX/XX/XXXX credit report reflected a late payment which reflected my XXXXredit score going down 98 points according to XXXX. My score went from a XXXX to a XXXX in 1 month. Since the negative hit on my report occurred, XXXX XXXX sent a letter to Bank of America asking them to correct their reporting to the credit bureau since their error was on their side. Bank of America denied the request. I have spoken to numerous people at Bank of America and they refuse to send the corrected data to the credit bureaus to remove the negative mark on my credit reports. Bank of America stated I still needed to be making payments on the truck until XXXX XXXX paid the loan off. I was not in a position to be making 2 truck payments. I filed a dispute with all 3 credit bureaus, and it was reported back to me that Bank of America stated that all was reported correctly. I don't understand why Bank of America will not correct this reporting to the credit bureaus. I did not even own the truck when the late payment hit my credit report and someone else had already bought the truck which I don't understand how the dealership was even allowed to do that. I am requesting that my credit report be corrected accordingly.