davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I contacted Capital One at the end of XX/XX/XXXX, beginning of XX/XX/XXXX in an attempt to do an extension on my XX/XX/XXXX car payment, due to some extra expenses. The extension was denied, however nobody was able to explain to me why or what are the requirements to obtain one in the event that I need it in the future. All they could say was that " the system '' did not show it as an option ; that " the system '' makes the decision based on my " account status '' ... but were unable to provide what information is fed to the system in order for it to produce said results. As an XXXX XXXX XXXX I was left feeling that the denial is due to a fear from the lender of being unable to repay due to my race, sex and relationship status.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX   and XXXX . XXXX and XXXX have both completed their research and determined that XXXX   was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-03-28
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. (CA)

I contacted transunion on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) XXXX XXXX XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (IL)

XXXX XXXX- XX/XX/XXXX last four ssn-XXXX XXXX XXXX- XX/XX/XXXX last four ssn XXXX XXXX XXXX XXXX XXXX , Il XXXX Late payment removal request regarding account # XXXX VIN # -XXXX  XX/XX/XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : We have been loyal customers of Santander Consumer USA for over a year and couldnt be happier customers. Unfortunately, in XX/XX/XXXX we experienced a life changing blessing and a hardship at the same time causing us to fall behind on monthly payments. It was an exceptionally busy time in our life as we were balancing the XXXX of our XXXX XXXX in 4 years ( ages XXXX, XXXX, and XXXX   months ). Our newest child was born on XX/XX/XXXX XXXX XXXX ( joint account holder ) was on FMLA XXXX  leave for 12 weeks XX/XX/XXXX-XX/XX/XXXX and I was on FMLA XXXX leave for the month of XX/XX/XXXX with NO PAY causing us to fall behind on rent, groceries, and Santander car note. Now that we are both back at work, I honestly could not associate with the person that let this payment obligation go unattended I fully respect our obligations with Santander Consumer USA and have worked diligently to amend my relationship with you by regaining your trust. A brief look at our account will reveal that our account status is current and furthermore we have enrolled in monthly auto pay to prevent any future issues. 
We have begun search for a home and a much larger vehicle due to our family growth. We are currently undergoing credit repair and plan to use Santander USA in the near future to finance a new truck. The attention that our late payments with Santander USA may negatively affect our chances of obtaining a home and new truck. 
In light of our renewed focus and demonstrated commitment to rebuilding our trust with your company, We are requesting that you give us a second chance at a positive credit rating by revising the 3 late payment ( s ) as  reported on our three major credit bureau files ( XXXX, XXXX, and XXXX  ). I sincerely hope Santander Consumer USA believes in their customers and I humbly request your consideration to allow me to pursue the home and truck of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. 
Regards, XXXX XXXX & XXXX XXXX In addition we can provide all documentation that support our claims upon request ( FMLA forms, check stubs, rent receipts, etc. )
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Of course, here 's a combined version that includes both the extended information about various businesses and the edits you requested : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX I'd like to bring to your attention a recurring issue I've encountered with multiple businesses, including XXXX XXXX, XXXX, XXXX, and XXXX. These businesses all process payments via ACH direct debit, using my bank accounts at XXXX, XXXX, and XXXX XXXX. 

The common problem I've experienced with these businesses is as follows : I am initially alerted that the payment has been received successfully. However, I never receive any notification when a subsequent payment is returned due to insufficient funds. Strangely, when these businesses attempt the payment again, it often goes through successfully, even though there have been no changes to my account balance. It appears that there were sufficient funds all along. 

Curiously, neither my banks nor the businesses in question alert me or document the return or retry payment. This lack of communication goes unnoticed, resulting in fees being charged. Due to delays in billing and a lack of timely notifications, I was unable to verify whether the NSF ( Non-Sufficient Funds ) return was indeed valid. 

This recurring issue has had a significant impact on my financial situation, and I believe it's crucial to address and rectify these problems with multiple businesses. 

I'd also like to inquire about the appropriate steps and authorities to report these issues to, as I am seeking assistance in resolving this matter and preventing such incidents from occurring in the future. Your guidance and support would be greatly appreciated. 

XXXX has reported late payments on months that a had deferment agreement and on months were a loan payoff was being processed. My account was left as late and the last payment is undocumented. Marking closed and paid still leaves this account negatively closed and dose not explain that I satisfied the loan. I understand that months late will stay on my record but there are more then half that should not be marked.
Consumer complaint received 2018-08-22
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)

PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 3 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! On XX/XX/XXXX I disputed an inaccurate item on my credit report. However, I NEVER received any response back from Equifax concerning this matter ; therefore, I sent them a letter on XX/XX/XXXX requesting XXXX for them violating FCRA rules. Due to the fact, IT TOOK MORE THAN ( 160 ) DAYS AND EQUIFAX NEVER RESPONDED TO MY DISPUTE ; EVEN THOUGH THEY ONLY HAD ( 30 ) DAYS TO COMPLETE THEIR INVESTIGATION ACCORDING TO FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). Consequently, Equifax responded to my letter on by stating that the item was VERIFIED, which INDICATES that they NEVER read my letter because if they would have they would have none that I DID NOT file a dispute ; yet, I was requesting XXXX  dollars because Equifax DID NOT complete their original investigation within the allotted time frame of ( 30 ) days. Therefore, I mailed a 2nd request for damages in the amount of XXXX on XX/XX/XXXX. Also this item is OUTDATED, because it is ( 18 ) years old and the information keep reappearing and or never goes away.
Consumer complaint received 2018-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

ACCOUNTS- PUBLIC RECORD- BANKRUPTCY- # XXXX COLLECTION ACCOUNT- XXXX- # XXXX THIS IS THE FIFTH LETTER I AM WRITING TRANSUNION TO DOCUMENT THE FRAUD BEING COMMITTED ON MY CREDIT FILE. I HAVE ASKED TRANSUNION TO VERIFY THE FRAUDULENT BANKRUPTCY and fraudulent collection account XXXX  VIA Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I have documentation since XX/XX/XXXX that I have been removed from XXXX XXXX. But Transunion states that they verified a bankruptcy via XXXX as recently as XX/XX/XXXX. So for almost a year Transunion has intentionally kept an unverified bankruptcy on my account. THIS IS FRAUD AND MUST BE SOME TYPE OF IDENTITY THEFT because this unverified account has not been verified.

The US BANKRUPTCY COURT states that they do not share information with 3rd parties so your source is FRAUD.

I HAVE LETTERS FROM XXXX  and THE BANKRUPTCY COURT but Transunion just ignores my lawful request and keeps this fraud on my account.

THE credit bureau CAN NOT LAWFULLY USE A 3RD PARTY SOURCE OR XXXX  to verify accounts.

IF ANY INFORMATION IS REPORTED ON A CREDIT FILE IT MUST MATCH ALL 3 BUREAUS AND THIS BANKRUPTCY HAS BEEN REMOVED BY XXXX  BECAUSE IT IS UNVERIFIABLE unless Transunion pays {$33.00} for the full report directly from the bankruptcy. And if done so please give me the employee who you purchased from and the receipt of purchase.

XXXX IS NOT VERIFIED EITHER. THEY ARE A 3RD PARTY COLLECTOR.

They also keep this FRAUD COLLECTION on my file from XXXX. And I have no contract with this company and it has been removed from XXXX & XXXX

I am including all my documentation in this correspondence along with Certified mail so I can document Transunions FRAUD FOR LITIGATION if they verify these two fraud accounts. If it can not be verified then DELETE IMMEDIATELY.

YOU HAVE 15 DAYS TO REMOVE THIS FRAUD. MAIL MY FULL UNREDACTED UPDATED CREDIT REPORT AFTER THE INVESTIGATION IS COMPLETE.
Consumer complaint received 2018-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DE)

NAVIENT INCORRECTLY APPLIED PAYMENTS ON MY PRIVATE LOAN ACCOUNTS. I HAVE A SEPARATE PAYMENT FOR AN INTEREST LOWERING PROGRAM WHERE I PAID ROUGHLY {$380.00} AS A MONTHLY AGREEMENT. THEN. I HAVE A XXXX  PRIVATR LOAN WHERE THE PAYMENT WAS ROUGHLY {$42.00} PER MONTH. ON XX/XX/2018 AND XX/XX/2018 NAVIENT INCORRECYLY APPLIED MY XXXX LOAN PAYMENTS TO MY OTHER PRIVATE LOAN ACCOUNT. WHEN I SPOKE TO A NAVIENT REP PREVIOUSLY HE SAID MY ACCOUNT COULD BE DRAFTED AS ONE DEBIT EACH MONTH BUT THE PAYMENTS WOULD BE APPLIED TO THE CORRECT ACCOUNTS. DUE TO THEIR ERROR, MY ACCOUNT IS SHOWING OVER 60 DAYS PAST DUE. IF THESE PAYMENTS ARE NOT APPLIED CORRECTLY SOON. I WILL FILE A LAWSUIT AGAINST NAVIENT FOR INCORRECTLY APPLYING MY PAYMENTS WHICH CAN RESULT IN LATE FEES AND NEGATIVE CREDIT REPORTING.
Consumer complaint received 2018-03-28
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: General Motors Financial Company, Inc. (FL)

Team leader XXXX XXXX  at GMFinancial ( ph XXXX   fx XXXX  email XXXX ) Sent me a email on XX/XX/18 informing me that they see my auto loan is delinquent and informed me of the loan will be charged-off and vehicle repossessed, so I need to call to workout the loan. I emailed back and informed that I will call her the next day and what is the best time to call. So, today I get a text from my mother ( who is not a authorized party and her number has never been a contact number of mine ) stating that a person from XXXX XXXX   phone number called and told her that my loan is past due and they will be repossessing my vehicle. I then called XXXX on the phone who was very rude and asked her why did she release my information and she tried to pass me to another person. Her actions really upset me and this turned into a bad conversation. I asked her a few times why she emailed me to work it out and calling my family but won't talk to me about it. She replied " she is a manger and don't talk to customers '' Then she ask where to pick up the car and she isn't going to help any further then she hung up the phone. Then 30 mins later my fiance 's mother who lives in XXXX, Co. ( my mother lives in Georgia ) called and told my fiance that XXXX from GMfinanical called and told her that I am over 100 days past due and they are repossessing my car and to call XXXX  at XXXX. I called XXXX back and asked her why is she calling people and releasing my information after you just spoke with me and that is against the law. Then she said " please hold '' and never came back tot the line. I called back over 12 times and she didn't answer. Overall, they are calling 3rd parties that are not authorized and releasing my information without my permission.
Consumer complaint received 2018-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I enrolled in a rate reduction plan in which my payments were supposed to be approximately {$500.00} for 6 months. It was not explained to me that on the 6th month there would be a balloon payment of {$1000.00}. I only found this out once I was charged ( prior to the 6th month ) and I called to complain on XX/XX/XXXX and request a refund. I was told the refund would be received within 3-5 business days. That time frame passed and then I was told 5-7 business days. Today is XX/XX/XXXX and I am now being told customer service doesnt know why I havent received the refund and they cant tell me when I will receive it.
Consumer complaint received 2018-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are two student loan accounts called XXXX XXXX XXXX XXXX  that were opened back in XX/XX/2013. It shows I was late once on each one and never been late on those payments. I sent a certified letter twice to Transunion XXXX and XXXX.   They sent a letter saying the creditor disagrees but never sent proof. I sent a certified letter to the address on my credit report for XXXX XXXX XXXX XXXX  and I found out the location is permanently closed. Finding this out I sent a letter and copy of paper showing the place is closed and if the credit beuaru validated this, who did they contact to verify this one late payment was accurate? This information has been reporting false on my credit for some time and my complaint is that these credit beuaru are not truly validating and supporting sufficient evidence the claim to be true.
Consumer complaint received 2018-02-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XX/XX/2018 Good morning Consumer Financial Protection Bureau, I tried to pay my Mortgage with Bank of America this morning through online banking by transferring funds directly to my mortgage account and BOA app would not let me pay. So I called Bank of America to see if there was an error. 

The representative told me that they have transferred my loan to a mortgage company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX  this company on the XXXX  websites and if I am correct it says it is not accredited. Also the complaints with this company are very high. 

I would like to make a complaint to stop this transfer of my mortgage to this company. I have struggle to pay my mortgage between the XX/XX/XXXX through the XX/XX/XXXX of each month, but never after theXX/XX/XXXX of each month. I have occurred an outstanding late fee attached to my mortgage but will pay fees off by XX/XX/XXXX of this year. About five or six years ago I applied for HAMP or HARP with Bank of America, they denied the Modification twice maybe even three times. So I reached out to a HUD counseling Non- Profit Organization and they helped me get my loan approved. I now have an HAMP or HARP which is an ARM Loan with BOA. I asked why was this loan approved as an ARM? I was told that is how the loan is set up with Bank of America. 

I really do not want my loan transferred to this company XXXX XXXX XXXX XXXX and I am afraid that they would start an foreclosure status on my home of eighteen years and I am a single parent of XXXX trying to do the right thing. Please assist me with this complaint. If you need additional information I will forward you my email address. 

Best, XXXX XXXX
Consumer complaint received 2018-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I am not satisfied with the resolution to my dispute. I am a new and young customer with Wells Fargo. I do not think they should deal with XXXX for many reasons. It is not a reputable company and there is no fraud protection at all. I understand that you should never send money to someone you don't know but I believe as big as Wells Fargo is and as long as they have been around that they would be able to protect their customers. I did use XXXX and thought the transaction went through however Wells Fargo posted this transaction twice. I am very dissatisfied with the results of my first complaint and I believe that the resolution was honestly a bit juvenile. I had already gotten my refund from Overdraft when I myself called the bank. I believe I deserve to be refunded one charge of the {$70.00} transfer to XXXX. I do NOT think that is asking much. I have learned my lesson and will never use this function again but I believe that Wells Fargo should have some protection for their customers.
Consumer complaint received 2018-08-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bronstein & Weiss Arbitration (MD)

On XX/XX/2018, My wife and I were contacted separately about a Payday Loan from XXXX XXXX. The POC name is XXXX XXXX, XXXX, ext XXXX. The loan amount is {$1100.00}. Here is what he said to my wife. 

wo of the messages stated they were from Weiss Arbitration and one from Weiss & Associates. The first message were received on XX/XX/2018 at XXXX XXXX and XXXX XXXX PST. The first call was to my wife 's cell phone and the second on my cell phone. The voice mail stated : XXXX ( my name ) my name is XXXX XXXX calling from Arbitration. My firm has retained a file formal complaint against your name and your social. We will be conducting and in depth investigation in your finances. In state law I am required to notify you 72 hours prior to this which starts right now. You need to be debriefed on all allegations inquired from you financial institute as well as place a statement on the record. I can be at my litigation s department. My phone number is XXXX ext XXXX.
Consumer complaint received 2018-02-15
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: EQUIFAX, INC. (CO)

What is this complaint about? 
When applying for a car loan the credit report from XXXX/Equifax is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now. 

What type of problem are you having? 
Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX but through a pull from someone else the score shows as ranges XXXX to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records. 

What happened? 
I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity. 

What company is this complaint about? 
Equifax, XXXX, and XXXX. 

Who are the people involved? 
XXXX, XXXX.
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Drees Company, Inc. (TN)

XXXX XXXX was using illegal steering tactics to force me to use their " partner lender '' First Equity Mortgage to buy my home. In the contract addendum it specifically states that a preapproval letter from this mortgage company is required to be considered a contract. Addendum dated XX/XX/2018. 
I never applied with or received an approval letter from the " required lender '' making contract null and void and had my atty type a letter stating this and requesting my earnest money of XXXX back based on the fact that according to their own language in the contract stating the contract is not valid. XXXX XXXX XXXX Division President of XXXX XXXX replied stating that they will not refund my earnest money. This is not only a violation of their own contract, but also a clear violation of anti steering laws.