davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (CT)

I called my loan company Santander Consumer USA to discuss my loan. The next day they said my balance in good standing but they reported my account to the credit bureau. Next i told them i could make a payment of XXXX and then XXXX this week since i am a XXXX XXXX XXXX. The sales person on the phone agreed to it. After that day i get a letter in the mail with the intent that Santandar Consumer USA is going to repossess my vehicle this week if i don't come up with the balance due. I then told him the sales representatives that i will pay what we agreed on and the following people pay the monthly balance to get it done.
Consumer complaint received 2018-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have contacted this company several times in regards to this issue. They have not provided me what I needed. I asked portfolio recovery to send me a copy of my itemized bill showing all the charges to this account as well as the contract that states this was mine. This company provided me a bill 6 months after this account was supposedly delinquent. By not providing me an itemized list of charges and the contract you are preventing me from disputing all or part of this bill. I really wish this company would stop giving me the run around. I would like the last bill with all of the charges and the contract that proves this bill is mine. If you can not furnish this information please remove it. How do I know this is not a bill from another XXXX? This could easily be someone else bill as my name is very common.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NH)

Chase has had me o n a penalty rate of 29.99 % for years. My card has been paid on time for years and my credit sore is in the high  XXXX    XXXX  . Each time I call they say nothing can be done. I understand the credit card act of    2009 provides for issues like this. According to a credit card group Chase is supposed to review accounts and after six on time payments they reduce the interest. I have bee n ON TIME for years. I called just today and got the same run around. Is there something that can be done? I was forced into retirement several years ago and this really hurts!
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

My account is restricted, I can't withdraw my money, they don't have information on why, or what to do to my account to function again. They have a really bad customer service, and there is no answer to my question in faq.
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I want to make a complaint regarding a XXXX XXXX XXXX credit card associated with XXXX XXXX. 

In XXXX, they offered me the credit card mentioned before, without clarifying that I had a charge for late payment of the same amount consumed. 

In XXXX I make a purchase of {$19.00} that should be paid in XX/XX/05, that day I forget to pay the card and I remembered it 3 days later, I log into my account and I had that balance of {$19.00} for which I made the payment. 

After that, did not make more purchases with that credit card. One month later, on XX/XX/XXXX, I received an email with a balance to be paid of {$41.00}, what surprisingly corresponds to the " late fee '' of the XXXX payment ( which never appeared in the account when paying my balance ) and another " late fee '' of the following month for not having paid the late fee of the previous month. 

When they gave me knowledge of that, I automatically asked to close the account, because it is absolutely unfair that they keep adding late fees of the same amount that was consumed or not paid and also I did not want them to keep adding late fees of a card that I do not use. 

It turned out that despite having closed the account, I still get late fees for something I was never notified. 


1- I never got any statement that had late fees until XX/XX/XXXX, or one and a half months later ( In addition, in my case, since I had not made more purchases with that card, I did not log in the account to verify expenses and balances ) 2- According to XXXX XXXX  the late fee automatically appear in the account the next day of not having paid, so then, why it did not appear in the account when I log in to pay it three days later, in that case I would have never let that much time went by, and would have paid it at that moment. 

3- Which is the reason for not being notify during two months of the account balance and now I keep receiving mails and phone calls with debts that do not stop increasing only for 3 days of delay, I insist, I never received notifications about it and also when I log in to pay it did not include the charge for late payment ( then how could I know what I should paid if it was not included in the account ). 

Please, I consider it is very unfair to pay a debt for something that XXXX XXXX XXXX or the bank does not communicate in due course.
Consumer complaint received 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I filed a chapter XXXX bankruptcy in XX/XX/2008. I had interest in an XXXX  at the time. I disclosed this information in my original filing. The Court erroneously filed my chapter XXXX bankruptcy without including that information. The court dismissed the original bankruptcy filing, and then refiled the case under a different case number to add my interest in the XXXX instead of amending the original filing. My credit report shows I have two bankruptcies filed in XX/XX/2008. I have contacted the credit reporting agencies to have the erroneous filing removed, and provided proof from the court of their error but they refuse to remove the erroneous filing from my credit report.
Consumer complaint received 2018-12-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alco Collections, Inc. (CA)

I moved out of XXXXXXXX XXXX XXXX on XX/XX/18 and took photos of the apartment since no one did a final walkthrough. I paid a XXXX dollar convenience fee for carpet cleaning and thus did not clean carpet. Over a month later i received a bill for carpet replacement with no itemization or photos. I attempted to dispute as well as offered to set up a payment plan. I was refused a payment plan by XXXX XXXX. Apparently this was sent to collections with no notification to me. I attempted to call also collections to figure out payment and was abruptly hung up on. I do not trust this debt collector to take my money as he is highly unprofessional. He has sent no notice no bill and I have no idea how or where to send payment to get this fraudulent charge off my credit. There were no rips tears or stains in carpet
Consumer complaint received 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XXXX of 2018 I submitted a dispute through the mail for accounts and also inquiries that were fraudulent and showing on my credit report. I would like these items to be reviewed removed and blocked. As a victim of identity theft and because of these unauthorized accounts I am unable to obtain legitimate accounts for myself.
Consumer complaint received 2018-12-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (NC)

back in XX/XX/2018 I contacted this company sending them copies of affidavit that this debt was a result of identity theft I do not recognize this account and it needs to be removed from their records and any reporting agency that they have sent it too .... I have not been able to get a response ... then I mailed them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out before potential exploring potential legal ways to fix this problem ..
Consumer complaint received 2018-12-24
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. (SC)

I am writing this complaint because Experian hasn't honored my request to properly investigate and remove inaccurate info on my credit report. I placed a fraud alert with them on XX/XX/XXXX and mailed in my dispute info. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2018-12-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX   against XXXX XXXX and XXXX XXXX, So far I have been fighting the bank and legal system and is getting nowhere, The Bank previous attorney XXXX XXXX in and around XX/XX/XXXX entered into a settlement agreement with the New York State Attorney General Office and paid a fine of {>= $1,000,000}.

My case is just a number for Judge XXXX XXXX XXXX and XXXX XXXX XXXX, No one wants to spend the time to review my case and as a result of this my house was sold back to the bank and I was served many notices to vacate the property on XX/XX/XXXX I kept hiring and paying attorneys and accountant to modify my loan, it was always rejected, my original loan was {$580000.00} and the bank sold it to themselves through the referee for {>= $1,000,000}, This is big business for the bank and Attorneys, no wonder they would not modify my loan.

The bank has been taking advantage over my situation and the courts have cut off my rights to defend myself. The Plaintiff never resolved my pending answer since XX/XX/XXXX and convinced the court that I never appeared.

I request that someone-one with a sound ethical standard review my case and stop this foreclosure process. I need to have a home to live in.
Consumer complaint received 2018-12-24
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: Bread Financial Holdings, Inc. (FL)

XXXX/XXXX is listed as a hard inquiry on my Credit Report, for which I have no knowledge of nor have I contracted with them. XXXX/XXXX  has not provided any contact or account information so that is verified or validated. On my credit report simply indicates " No contact information has been reported by this creditor. '' This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and charges, provide a copy of my signature with the provider of service then I demand that they cease any credit bureau reporting until debt has been validated by me.
Consumer complaint received 2018-12-24
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: Nelnet, Inc. (FL)

XXXX  is report incorrect information on my credit report. The payment history for Nelnet Loan Services account is in correct. I am requesting that you deleted all Nelnet loan Services account.
Consumer complaint received 2018-12-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Recovery Services, Inc. (TX)

On Friday XX/XX/18 I was called 6 times in a row ( a XXXX minute span ) On the 6th time I answered and said this is against FDCPA do not call this number again. On Monday XX/XX/18 I got a call again, I said do not call this number the lady kept saying who is XXXX and repeated to XXXX my number. She kept asking then finally said Ill be calling tomorrow and hung up.
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

Due a security breach I have been offered free credit monitoring through XXXX. I am able to generate free credit reports. XXXX doesnt provide my credit score. I have also locked my report and companies that I have cards with are constantly checking my credit. I have accounts that have been closed for 15 yrs and they are continuing to show on my credit report.
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

A bank of America account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I was contacted about a balance I owed on this account and paid it. I tried opening a checking account in XX/XX/XXXX and was denied due to being in XXXX XXXX. I again contacted BOA and informed them that I paid it, I even sent records. I also had a transcript from XXXX XXXX requested and they are listed. In XX/XX/XXXX, I am still being denied a checking account due to this issue. 1 it has been paid, years ago and not updated. 2. It has been over 5 years and this definitely should have been removed by now. This is the second report I requested from XXXX XXXX and they both have 2 different report dates listed.
Consumer complaint received 2018-09-21
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. (WA)

After multiple credit bureau disputes, Equifax is the only bureau to not do a proper investigation otherwise they would have easily found out that XXXX made a mistake in reporting my 60 day late in XX/XX/XXXX. My wages are being garnished and was never late since it is automatically taken from my paycheck. I have attached the incorrect reporting by Equifax showing the lates. I have also included a screenshot of my XXXX chat on XX/XX/XXXX with the XXXX rep stated that they made the mistake and it would be corrected in 10 business days ( NOW EXACTLY 6 MONTHS LATER STILL NO CORRECTION ) AND I STILL CANT GET MY HOME LOAN DUE TO THIS.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2017-06-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRO MORTGAGE ASSOCIATES, INC (OK)

I applied for a mortgage and were approved for XXXX so then we found a house that was XXXX and they sent my realtor an approval letter for XXXX so we go to by the house and they declined us after they said they could. Then we find a house for XXXX that is way under their first approval and now they said that it 's still not approved because now they said I have to pay two of my credit cards off. And so we asked if we do that will we be approved and they said they are not sure. They never return our calls after multiple messages. They keep changing everything about our loan and what we need to. And we have lost two great houses because of it. And all they can say is sorry. Are you kidding me!!!!! And then they are putting signs on properties that do n't even qualify for what it says and they still just say sorry and wo n't do anything about it.
Consumer complaint received 2018-09-21
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: SYNCHRONY FINANCIAL (WA)

I have contacted this company in regards to accounts that they have sold to third party collection agency in an effort to get the accounts validated. However, the company have failed to provide any information that shows my signature. You have ignored my request to provided me with signature of documents that you have in your files that can verify that these are my accounts. Therefore, you have not NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. After reviewing these files I am to believe that your company have allowed multiple of accounts to be open without my authorization. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified with a signed contract bearing I am the debtor for the debts or deleted immediately.
Consumer complaint received 2018-09-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (NY)

XXXX Account Type Installment Loan Terms 36 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid - Payment Status Details Paid, was a repossession Status Updated XX/XX/XXXX Ownership Individual Original Amount {$23000.00} -
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

The bank apparently offered FREE ADD insurance. Somehow my name is attached to a policy which I know nothing about, nor do I believe in ADD insurance. {$50000.00} insurance was added to this policy and money is being removed from my account. This account is a special one and has not been touched in two years. {$16.00} was removed XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX ...XX/XX/XXXX and XX/XX/XXXX for a total of {$82.00}. I spoke to the bank manager and nothing he can do about it ... he gave me the number to ADD and they will only return a small portion of what was stolen from my account ... I could fight for the remainder amount. They said I have to cancel this insurance ... HOW do you cancel something you NEVER AUTHORIZED to begin with. I want ALL my money returned into my account and interest returned. This is a pretty good scam they have going and senior citizens, like myself, have no rights or say in this. When does practice like this stop? I was told this originated in the branch office ... I have not been in that area for over 2 years due to my health and hospital stays which can be documented. This account has had no activity on it in 2 years ... .I guess it was easy prey.
Consumer complaint received 2018-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MD)

Used PNC 's Online Bill Pay to pay my XXXX XXXX credit card bill. In the autopay option in my PNC online bill pay, I had set up autopay and chose the option to pay " amount due '' upto {$1000.00}. It was my understanding that this would payoff the entire balance of {$450.00} on my statement from XX/XX/2017 ( since this was less than {$1000.00} ), but PNC only paid the minimum payment of {$25.00} for the last four months. This resulted in interest charges, and a negative impact on my credit score.

I brought this up with PNC bank talking to two different representatives in online banking services yesterday and today, and escalated to the manager today. They all refused to admit that there was any problem whatsoever with their systems, and refused to address the impact of the error.

Specifically, it is my opinion that 1 ) " Balance Due '' does not mean minimum payment and they fix their interface which I believe is misleading and erroneous.

2 ) Admit that this was a bank error and take responsibility for all interest charges from this error. 

3 ) They compensate me for the negative impact on my credit score, and their mistakes. 

Thank you for your help in resolving this issue.
Consumer complaint received 2018-03-17
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: CCS Financial Services, Inc. (FL)

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX XXXX XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely XXXX XXXX