davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (SC)

I am submitting a complaint regarding Santander Consumer USA and their predatory business practices. 

On a used car purchase in XX/XX/XXXX of a XXXX XXXX XXXX -- the car was sold and valued at approx. {$16000.00}. 

After 4 and 1/2 years of payments on the same car the payoff I was just given is {$11000.00}. 

Furthermore, the vehicle has not been operational for almost 2 months this year due to the failure and required repair of : - Replace the transmission ( @ cost of {$3000.00} ) - Replace the Rack & Pinion ( @ cost of {$750.00} ) - Replace the Radiator along with sensors and other related parts ( @ cost of {$530.00} ) Also, the cost of having to rent another vehicle while the XXXX has not been operational is another related expense that has approach {$400.00} so far in XXXX. 

While I understand Santander should have the ability to make a profit, in this loan they have exceeded being a practitioner of good business to an organization that preys on the financially poor or disadvantaged. 

I asked the Santander representative, given that my credit score is 150 - 200 points higher now than it was at the start of this loan, if I could receive a more reasonable interest rate. 

I was told " No ''. 

Santander has a 4 1/2 track record with me at this time, and despite my challenges over this time as a single parent with XXXX teenagers, they know by now I make good on my debts. 

I must have a car to drive to earn a living. 

The car I have now is having to many repair and loss of use expenses that it is affecting my ability to make payments. 

If I go to do a trade-in, I am so upside down with the unfair terms of the loan that I am without an option. 

I thank you and any executive with Santander for your advice on how we can address this situation in a more fair and reasonable fashion. 

Sincerely, ( Name not included as per website instructions )
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

I lost my job nad was not able to make payments. I was referred to the XXXX owners Held Line located in XXXX FL help me modify my monthly payment. They asked me to send documents and i was charged XXXX . I sent all the documents they were asking for with a deposit of XXXX . The kept calling me to send them the remaining balance of XXXX. I refused because i didn't receive any updates from them about the case evolution. 

It has been 3 months i'm calling them in vain. All the mortgage statements go to them. I don't receive any statement from the mortgage company for a while. I don't know what to do now.
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (SC)

XXXX has placed an account in collection associated with my name. On XX/XX/XXXX I attempted to gather information regarding this charge from both the collection agency ( AFNI INC. ) and XXXX. The information that was provided to me was that the charges we're regarding a account for XXXX XXXX that ended around XX/XX/XXXX per XXXX, while AFNI stated services ended in XX/XX/XXXX. I have informed XXXX and AFNI that I have never had a home security account with them and that the address for the service location was vacant starting XX/XX/XXXX pending sale of the home. I requested that the XXXX agent I first spoke with, provide me with a contract for the services and/or copy of the bill. I was not provide either information but rather a phone number to the collection agency that had already informed me to contact XXXX regarding the issue. I ask to speak to a supervisor and while on hold the call was terminated from there end. I have also request information from AFNI on the same date. I was only provide amount owed, date service ended, date it went to collection, and that it was my debt based on the fact it was associated with my name and social. Based on my records any services I had with XXXX were terminated on XX/XX/XXXX with a payment of {$150.00}, along with a final payment of {$60.00} on XX/XX/XXXX for remaining account balance. Neither company has provided me with enough information that verifies that I owe or own the account.
Consumer complaint received 2018-07-27
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)

Rented an apartment for one year at " XXXX XXXX '' in XXXX, Texas. Vacated the apartment on XX/XX/2017. The apartment was in clean and rentable condition upon moving out. Five months later, I receive a collection notice from XXXX XXXX, a collection agency acting on behalf of " XXXX XXXX ''. In that collection notice, they state {$660.00} owed them for ; two full apartment cleanings, one for {$75.00} another for {$81.00}, water/sewer/trash totaling {$120.00}, these charges were already included in the last month 's rent, {$50.00} for refrigerator clean ( was cleaned prior to moving out ), pest reimbursement for {$5.00}, Utility admin fee of {$3.00}, couch removable for {$200.00} and on and on. 
I worked with the collection agency, they even stated this was a bit unusual, especially five months after the fact. 
In working with the collection agency, I came o find that I was charged a {$200.00} pet deposit and {$10.00} per month pet fee, I never had a pet in the apartment. Additionally, they never refunded my {$250.00} deposit, this totals {$570.00}. No one mentions these cost in the collection notice. 
I am in process of moving and find that XXXX, the tenant screening company has this issue listed on my credit report and I have been denied housing. I tried to work with XXXX and sent them papers that I sent to the collection agency to resolve this issue. I received a do-not-reply email from XXXX stating they can not ever change the credit reporting status. I find it bordering on slander and liable that a credit reporting agency such as XXXX, who does work for the apartment complex 's is unwilling to resolve this issue. Trying to call and converse with them is almost impossible and they never return a call, only the do-not-reply email correspondence. 
The XXXX  lists many complaints against XXXX, many people with the same issues as myself, nothing seems to get resolved. 
I need your assistance in resolving this matter.
Consumer complaint received 2018-02-20
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. (CA)

I reviewed my credit report and there is two collection accounts that doesn't belong to me. 
My ex husband filed a bankruptcy chapter XXXX on XX/XX/2016 and debt belongs to him and it was included in Bankruptcy. Case file number XXXX XXXX, XXXX and XXXX has sharing my information with collection companies and credit companies without my consent.. 
I never had a XXXX XXXX credit card owning {$590.00} and a collection of {$3900.00}.
Consumer complaint received 2018-02-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Instance one : At the time of taking out the loans Navient ( XXXX XXXX ) would not state what my interest rate was while I was still a student even though interest was being accrued. By the time I graduated with a XXXX-year degree and began repayment, the accrued interest was already $ XXXX. 

Instance Two : I graduated from XXXX University in XXXX  of XX/XX/XXXX.  Navient ( then XXXX XXXX ) refused me an income-based repayment plan forcing me into deferment. Once able, I began making interest-only payments of about $ XXXX/month because I could not afford interest/principle payments of about $ XXXX/month. I was XXXX and working XXXX part-time jobs. This went on until 2014 when my interest-only plan expired. At this time they finally agreed to an income-based repayment plan which lowered my monthly payments and interest rate and increased the life span of the loan by 30 years. 

Instance three : My parents co-signed on one of my loans. I have tried on two serperate occasions to release them. Although I make my payments on time each month we were denied. 

Instance four : I am currently set-up for reoccurring payments. On 3 different occasions Navient has notified me of past due payments on the XX/XX/XXXXof the month even though my payments are scheduled for automatic deduction on the XX/XX/XXXX. I have paid immediately to stay current only to have my bank account overdraft by 2nd payment deduction on my due date.
Consumer complaint received 2018-07-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (GA)

This complaint is being filed against WestLake Financial Services for Violating my rights pursuant to Florida State Statutes 537.012 Repossession, disposal of pledged property ; excess proceeds. ( 3 ) Upon  taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. 

10 days prior to sale lender did mail out a Notice of Plan to Sell Property with time and date and stated Private Sale - Pursuant to Florida Statute 537.012 ( 3 ) may do so only through a motor vehicle dealer licensed under s. 320.27 as well as failed to provide place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. 

Notice does state if I want any of the above information I needed to contact them but the statute clearly states they need to provide all information 10 days prior to sale. 

I have attempted to disputed through all 3 major credit bureaus but above subject matter was ignored. Reattempting dispute.
Consumer complaint received 2018-02-07
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. (CA)

Others frauded my documents and to pull naming scams using XXXX herds of IDs and XXXX business permits and XXXX internet off my credit file and birth certificate Other pulled like frauding scams my credit files for XXXX plurized fraud scams fraud scams frauding my documents Others frauded my documents as mailing address Others frauded my documents as politican Others frauded my documents as police and sherrifs in many states Others frauded my documents as XXXX XXXX XXXX Other frauded my documents as bedroom products
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (IL)

AMSHER COLLECTIONS Services, did not verify information that was obtained or validation of account as requested from a letter that was sent to me on XX/XX/2018 from this collection agency 's attorney. The letter advised me that if I dispute these charges to notify them within 30 days. I did notify the attorney to state that this was inaccurate. Instead the collection item was placed on my credit report as of XX/XX/2018 ANYWAY. 

This caused tremendous damage to my credit report.
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AP)

In XX/XX/XXXX I was XXXX out of the United States. Before leaving I took the proper steps to suspend my account due to military XXXX with XXXX XXXX. I suspended the account on XX/XX/XXXX. On XX/XX/XXXX and once I was no longer in the states, XXXX reopened my account for another individual who moved into my old apartment. The customer service stated they had the right " because they knew my address '' which was an address I no longer lived in due to being XXXX. I feel this is a privacy violation and seems XXXX was very open to giving my account to another individual I do not know, and am concerned on what else they sent and gave them that could have possibly contained private information. Once the situation was brought to the company 's attention I was verbally told the amount would be credited to my account. On XX/XX/XXXX, I returned my router and equipment and had to talk to another individual at the XXXX XXXX, VA store on XXXX XXXX because the problem still was not resolved. She was extremely helpful and wrote down voucher numbers for each credit that was supposed to be on my account. I was charged {$120.00} along with {$93.00} and a large amount of late fees due to myself not knowing or paying the charges because I was no longer in the states. The late fees were dropped, and after the encounter at the store the {$120.00} was dropped and no longer held against me. I found out that once again XXXX had not cleared me of the {$93.00} which was disputed on XX/XX/XXXX for the third time. After which I was told once again the charges would be dropped. I also called each credit bureau to dispute the charges off of my credit. I noticed the charges were dropped off of my XXXX XXXX account as well. I moved to XXXX on military XXXX in XX/XX/XXXX. Now on XX/XX/XXXX I received a letter from a Debt Collector by the name of Southwest Credit stating that I still owe XXXX the {$93.00} that was disputed and closed two years ago. I have called the collector and am once again disputing the charges. While talking to the Debt Collector I was told that XXXX had opened the account with them on XX/XX/XXXX. I tried to upload documents to the website the Collector gave me in the letter but was blocked from doing so. I feel as if XXXX is extremely careless in how they handle accounts. My private information was not protected and my account was allowed to be opened under someone who I do not know and someone who could have possibly used my information in a negative way. I do not owe these charges and it is completely wrong for XXXX to keep harassing me for an amount I do not owe, and was closed two years prior after being repeatedly told that I would be credited.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

This is yet another complaint against Toyota Motor Credit ( TMC ) for my TMC account # XXXX ( Joint account and I am the primary account holder ). TMC keeps reporting this joint account to all XXXX CRAs as a CHARGE OFF when it IS NOT. TMC lost the payment I made back on XX/XX/2017 and it took them months to locate the payment and apply it to the correct account. And in the meantime TMC reports my account as a CHARGE-OFF and it is not. Me and my cosigner have been going through this issue since XX/XX/2017 to no avail. TMC removes the charge-off when I call or file a complaint, and the next month the charge-off marker is back on my credit report thus affecting my excellent credit standing by 90-95 points drop in score. 

This is crazy and unacceptable. How much more time do I spend on this issue? How many complaints do I need to file to get this information corrected permanently? How is TMC going to reimburse me for my countless hours wasted on phone calls and being transferred from one TMC and credit bureau representative and department to another, being put on hold for hours, explaining everything all over again to tens of different representatives in different departments? How much longer ... ..??? Seems like they don't know what they are doing and how ... This is sickening, this is a violation of my FCRA consumer rights. Who is accountable for this?
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (TX)

Revcived letter dated XX/XX/2018 stating I owed over $ XXXXCalled right away and disputed alleged debt but had trouble talking to agent. So I said will send letter disputing alleged debt. Tracking # XXXX XX/XX/XXXX at XXXX XXXX. Wanting ALL pertinent information, singed contract, payment history including first and last payment dates. and all entities who previously owned alleged debt Call at XXXX XXXX XX/XX/18 { recored line } to check status was told I need a Lawyer.
Consumer complaint received 2018-07-27
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: EQUIFAX, INC. (MO)

My identity has been compromised, and the credit reporting agencies is not making it any better. I'm still dealing with the damage of losing my ID. I would really appreciate if the following inquiries were removed from my credit report. I have no knowledge of these inquires whatsoever. ( 1 ) XXXX XXXX - XX/XX/XXXX, ( 2 ) XXXX XXXX-XX/XX/XXXX, ( 3 ) XXXX- XX/XX/XXXX, ( 4 ) XXXX- XX/XX/XXXX, ( 5 ) XXXX XXXX XXXX -XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

I filed a complaint regarding the contact methods and collection practices made by National Credit Adjusters on XX/XX/2018 My complaint was successfully submitted and completed. ( # XXXX ) The company responded to my complaint with a signed letter by their legal counselor stating the collection calls would CEASE and any further communications would be in WRITING BY MAIL The letter I received stated, ... In order to resolve your concerns NCA has placed your account into No Calls, Letters Only status which effectively terminates further phone communications in regards to your account. Further, NCA has placed your account into a disputed status which temporarily ceases collection activity while NCA requests the documentation from the original creditor ... 

This letter was signed XX/XX/2018 by XXXX XXXX XXXX ( XXXX ).

Within ten minutes of receiving this notice I began receiving collection calls again with the same claims, and this time I was told I was fraudulent. I informed the representative that they were unlawfully contacting me and proceeded to hang up the phone. 

Clearly NCA does NOT take this SERIOUSLY. 

I have verified ALL my current accounts both in collection and good standing on my XXXX and XXXX credit reports and NOT ONE ACCOUNT is being overseen by NCA.

My concern and wonder is how many OTHER people they are scamming out of money through harassment and unlawful debt collection practices.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

The State of Missouri Federal Court does not submit information of Public Records to ANY of the 3 credit bureaus, that was verified by me via mail with the State of Missouri Federal Court - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX. I had a Chapter XXXX Bankruptcy on XX/XX/XXXX that is an outdated Public Record still being reported on my Credit Reports from XXXX, Equifax and XXXX. All matters of Public Record that are not reported to the Credit Bureaus directly from the Federal Court, but by a third party data miner, are not to be considered valid or accurate. Please assist me in getting the Public Record from XXXX off of my XXXX Credit Report. Thank you so much.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The 3 major credit bureaus are reporting on my credit report unverified accounts and will not show or send proof of these accounts on my credit reports such as a original consumer contract with my signature on it. Under the FCRA 15 USC 1681i all unverified accounts must be deleted.
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

XXXX : borrowed {$37000.00} Forbearance on loan the maximum time allowed XXXX : now owe over {$70000.00} even after making payments ( ridiculous amounts monthly ). 

I have been XXXX since XXXX. 

Please help
Consumer complaint received 2018-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (WA)

I attempted to open an account and was denied via email. The so called customer service was evasive, unprofessional, refused to answer why. I was not provided any explanation after being on hold for half an hour and being on an abusive, obnoxious phone call. 

What an unprofessional bank.
Consumer complaint received 2018-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

On my credit report from XXXX, many erroneous account showed up including multiple inquiries which were unauthorized. XXXX XXXX reporting on Account XXXX  that I owned them for an acct opened on XX/XX/XXXX for the amount of {$980.00}. No original creditor listed however the report stated my last payment was XX/XX/XXXX so was my last activity. XXXX  told me to send a letter for they could not find said acct over the phone. 

XXXX also report an account from XXXX XXXX XXXX  XXXX acct XXXX. I want that account to be erase  from my report for I have no knowledge of said account. They report it as revolving, closed and late however no percentage of the credit was uses but I have a high balance. They report an acct # XXXX   from XXXX XXXX XXXX with no original debtor for {$480.00}. They also report an acct # XXXX for {$550.00}. XXXX  did investigate these accounts when I reported them and they still leave them on my credit report. None of the accounts have ORIGINAL debtor Listed.