davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (PA)

We contacted Consumer Finance regarding errors in our billing. ( We pay one month in advance due to Santander 's high interest rates ). As the result of the complaint, we received an apology and assurance that the problem had been fixed. This month, not only were we arbitrarily removed from receiving paper statements, but our online statements have all been changed, so that now there is actually no evidence of our ongoing extra payments. I phoned the office on XX/XX/XXXX to speak to someone about this and " XXXX? '' informed me she is " not allowed '' to speak to me and all calls I make must be " handled by the legal department ''.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (CA)

Received a summons to appear in court for a credit card that was never opened by me which can be verified by my credit report. Never received notices just went straight to a summons. The summons only included the last 4 numbers of the account and no transactions except a {$25.00} payment. I am going to send a certified letter to collections company regarding validation of debt and a letter to the credit card company.
Consumer complaint received 2018-04-21
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: Constantino Law Office, P.C. (UT)

I received a letter ( XX/XX/XXXX ) from a collection agency on a credit card judgement filed through the XXXX   Judicial District Court of Utah on XX/XX/XXXX, Case no. XXXX for {$4000.00}. I declared Chapter XXXX Bankruptcy through the Federal Bankruptcy Court in XXXX XXXX XXXX, Utah ( Case no. XXXX ) on XX/XX/XXXX, and the bankruptcy was discharged on XX/XX/XXXX. This is an illegal attempt to collect this debt, as it was discharged in the above referenced bankruptcy, and the statute of limitations ( 5 years ) has passed. The information on the collection agency is as follows : XXXX , XXXX being represented by XXXX XXXX XXXX, ( XXXX XXXX XXXX ), Constantino Law Office, P.C., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, UT XXXX, ( XXXX ) XXXX or ( XXXX ) XXXX, XXXX. I called XXXX XXXX on XX/XX/XXXX and left a voicemail message demanding that they cease and desist their collection efforts on this debt because it was discharged in the above referenced bankruptcy and the statute of limitations had well since passed ; and that any attempted to collect on a debt under these conditions is illegal.
Consumer complaint received 2018-04-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

PennyMac Loss Drafts Claims is holding all of the money to get our home repaired after a mold remediation claim with our home insurance company that has already been settled. All funds have been received and kept by PennyMac since the beginning of XX/XX/XXXX. During this time, we have placed most of our home furnishings in storage and begun moving our pets and ourselves into a small travel trailer n the driveway. These extra out of pocket expenses that would not have been incurred otherwise are adding up. Between XXXX and XX/XX/XXXX, after having submitted all required documents by the contractor they are still misplacing documents and asking for them by phone. Yesterday ( XX/XX/XXXX ) XXXX called asking me for a form for the mold remediation contractor who was finished last year after all of his company 's documents were accepted. After some discussion XXXX was able to find the document in question. What's next? This is not the first time I have received a call asking for documents they already have. It seems they are not capable of keeping and maintaining important documents/records. This concerns me more than you can imagine. I have done everything I'm supposed to do and submitted every document they require and still they have delayed the process yet again. How are we ever going to get our home repaired if we can't pay a contractor? Can they legally keep the money from the settlement? I have never missed a mortgage payment or been late. I am a law abiding, working class man and I've done everything right. I have never felt so powerless and hopeless.
Consumer complaint received 2018-04-21
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. (FL)

XXXX Equifax and XXXX are reporting 2 hard inquires which I need validation for or please remove : Inquiry : XXXX Date : XX/XX/XXXX Inquiry : XXXX Lease Only Date : XX/XX/XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Five year ago, during my financial struggles, I was found to be deemed eligible for HAMP program through Bank of America. My home loan was modified and I received all of the benefits and protections available to me during that 5 year time period. Customer Service was first class during the 5 year eligibility and no one could touch my account outside of my assigned account manager. Well let 's fast-forward 5 years, my eligibility period has ended, no assigned account manager and ALL protections have ended ... Bank of America attacks like pitbulls. XX/XX/XXXX, I call several times disputing with BOA over PMI that I wanted removed immediately from my account. I received push back. I advised them of my rights as a consumer and threatened to report them, so the removed the PMI reluctantly. In XX/XX/XXXX, I am informed by BOA that my escrow will increase by {$150.00} because of an " anticipated '' shortfall. I called and email pleading my case. Customer service was horrific and rude! I requested a manager perform a new analysis of my account, because I would NOT be able to handle the increase. I never received the new analysis or a return call. So, I go with the program, I find myself in a state of XXXX thinking, I can't go against this banking bully or giant. XX/XX/XXXX rolls around, I find there to be a {$500.00} dollar overage in my escrow so I email and call requesting my funds be reimbursed. Feeling bullied and threatened, BOA denied my request. I was irate. For 5 years, I was treated like Royalty under the HAMP program, now you are treating me like trash. My mortgage was being paid timely. There was no late payments. I was doing EVERYTHING right, but I the consumer was being treated like a second class citizen. XX/XX/XXXX, I go to make my mortgage payment online. My mortgage has increased by {$55.00}. I was NOT notified! Reviewing my statement online, the have once again INCREASED my escrow amount. Their methods and reasons are unethical, illegal and unfounded. They had just performed an analysis 6 months prior. There was an overage going into XX/XX/XXXX. There should NOT be any PMI on my account. What is the justification for the increase? I was NEVER informed! I paid the requested amount, ONLY to prevent late payments. I am requesting that BOA unethical practices be fully investigated and exposed! I am requesting my overage be reimbursed. I am requesting that the escrow increase be removed from my account dating back to XX/XX/XXXX.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion keeps dropping my credit score 20 - 30 points at a time. it takes tem forever to raise my score. I am in perfect standings with my creditors. there is no reason why my should drop off at all.
Consumer complaint received 2018-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I came out of the rehabilitation program and my payment went from XXXX a month to XXXX which isnt financially possible right now. Well I got in touch with XXXX at Navient and he insisted he could enroll me in the income driven repayment plan so I sent him what he requested and filled out the application and I have heard nothing. In the meantime my forbearance time is almost up and my credit is going to take a serious hit.
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a Kohl 's department store card for years now. I have never been late on the payments for each month. One month I made the payment on the due date before XXXX of that evening. The next month I received a call from Kohl 's statng that my account was late. I explained that it is was not late and the payment was reflecting in there computer ( rep told me this ). I was then told that the cut off time for payments is XXXX. So my payment is now consider as late. The rep had offered me where if I make next month 's payment and the following month 's payment at the time I was on the phone with him it will not reflect as paid late on my credit report. I agreed and made the 2 advanced payments. Then the following month I noticed it was was showing as a 30-90 day late payment still on my credit reports. I again disputed the information and also contacted Kohl 's customer service and was told it will not show as a late payment. That did not happen. Again I contacted Kohl 's and was told that capital one is the one who holds the Kohl 's account so I contacted capital one and explained the whole situtation to them. I also explained that I do not like making payments in advance for the following month. I pay my bills monthly. The rep from capital one told me that there is no such thing as making advance for the following month and skipping a month. I again explained that kohl 's would tell me that ex : Pay a certain amount ex : {$75.00} and that would cover for 2 months and I would not have a payment till after 2 months. I did not like to to do that as it is confusing. I pay all my bills on time before the due date and never miss any payments. I again contacted Kohl 's customer service and again explained the whole situation and was told that they will send me a letter stating that my account has never been paid late ( I spoke with a supervisor ). I received the letter stating the my account is in current and good standing. I submitted this to all 3 credit reporting agency 's. I believe XXXX  finally corrected it and put this account from an adverse account to an account that is satisfactory but XXXX  and XXXX are still reporting it as an adverse account. This is affecting my credit score. I've been with Kohl 's department store for a long time and never had any issues until now. Actually I just checked my XXXX credit report and it was corrected and taken off so it's just XXXX and XXXX. It make no sense that the status is showing current paid as agreed but yet listed under an adverse negative account.
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I transferred two balances from credits cards to Capital One in XX/XX/2018 with a promo rate of 0 %. The transfer was done on the Capital One site through the balance transfer portal but the credit card statement shows them as a purchase. Two statements later, I noticed interest was being charged. I called Capital One and the rep said the system processed the balance transfer as a purchase, it was a mistake and it would be fixed. I called back a week later when another interest amount was posted to my credit card account. I spoke to a rep, re-explained the situation and she agreed the interest was charged in error. She connected me to another rep who attempted to explain that there was no 0 % offer in place at the time I made the transfer and that the interest charges would stand and I would be responsible for them. I was charged several hundred dollars in interest. I have transferred many balances over the years and would never transfer to something that was not 0 %. Additionally, the first two reps I spoke with told me that their system made a mistake and I was charged interest in error.
Consumer complaint received 2018-04-21
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: Experian Information Solutions Inc. (NY)

XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX XXXX collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than 3,600 dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over 1000 dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. Experian solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX and XXXX  ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. Experian completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights.
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (NJ)

Received a cc in the mail which I never requested, called the number in the back and they ask you to enter your SS #, they insist continuously until you are able to speak with a person in a foreign country ( assuming based on the background noise/ conversation heard ) Could this be  identity theft?
Consumer complaint received 2018-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington National Bank of XXXX  Ohio, has informed me that I made payments that were not made when due as required by terms of the loan modification. Even though the statement that I received said I could by a LATE charge if after a date.. In the small print on page 3 - it informed me that the modication amount was due on the XXXX of the month.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (SC)

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX and XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
Consumer complaint received 2018-04-21
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. (GA)

Hello I have been trying to work with equifax but they refuse to help. They have 2 state tax liens that are to old to be on my acct. Both have been there since XX/XX/XXXX. I believe they are the same lien just filed twice. Also I have disputed a bankruptcy that is not mine and they refuse to remove or provide proof. Also there are inquiries that are not from me they are XXXX XXXX XX/XX/XXXX and XX/XX/XXXX innovative funding on XX/XX/XXXX XXXX XXXX XX/XX/XXXX auto approve XX/XX/XXXX equifax mortgage service XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I have contacted them and they refuse to help in any way. Thanks
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (SC)

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX and XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX  and TransUnion to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. 
Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2018-04-21
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. (OH)

On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Equifax to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Equifax maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Equifax. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Equifax about. I'm confused, how can Equifax say they've verified information with XXXX that is not at all on XXXX to begin with? 

I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit report.