davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

In XXXX of XXXX, I willingly surrendered my vehicle to XXXX. As I was unable to maintain the payments due to financial hardships. At the time of surrendering I only owed a balance of {$6000.00}, the initial loan was around {$19000.00}. After surrendering my vehicle I was never notified of an auction/sale, provided any documentation or additional information pertaining to my vehicle. The balance was reported to the credit bureaus at {$6000.00}, several months later the balance doubled to {$12000.00}. Again without any sort of documentation or explanation provided. I have disputed this loan to the credit bureaus on multiple occasions, without any success. To date, I have no information as to what happened to the vehicle after I surrendered.
Consumer complaint received 2018-12-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have one XXXX account with a balance of {$840.00} which I have no knowledge of the account, I sent a dispute letter to the 3 credit bureaus ; only XXXX  who removed the account because the creditor was not able to provide 100 % proof that the account belong to me. But TransUnion and XXXX  refuse to delete it. I sent more than 3 round of dispute with them even send them a copy of XXXX  deletion still they refused. Then I sent a letter requesting fro proof of their investigation, asking how did the verified the never send me a proof. So on XX/XX/2018 I decided to request a verification from XXXX, on XX/XX/2018 XXXX couldnt proof it ether was mine, because they just send me a snapshot of past due bills. No contact bearing my signature, which they should have as a original creditor. I call they TransUnion and XXXX told them to delete that account because the original creditor ( XXXX can not proof me that the account belong to me ) therefore must be delete immediately. Also ask them why? And how they been verified it if the original creditor doesnt have the original contact. TransUnion and XXXX  still do not want to remove it even though XXXX  did. I need your help to get it of my credit report because it hurting my credit rating. I attached the documents received from the original creditor no contract at all. Under the FDCPA and FCRA the credit bureaus must investigate and make sure the information is 100 % accurate. They credit bureaus failed to comply under FCRA.
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

i have been an american express customer for years. i noticed about 8 months ago that my business management account waas not accumulating points i called last weekend i was told since XX/XX/2017 no points have accumulated. i was told it would be worked on. i call today and see nothing has changed i get transferred all over the world with no regard for my time. this is stressful enough and i cant be the victim of system failure. i need points i am owed from XX/XX/XXXX on on business management acct which i am owed and other for my trouble and how this happened explanation without calling and being trnsferred all over the world
Consumer complaint received 2017-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MT)

I am XXXX and have always paid off every loan I have received. All except the one I have with XXXX XXXX / Navient. I plan to provide information and patterns that show that this company is predatory and misleading in its actions. One question embodies this accusation. Why at the age of XXXX do I still owe the majority of my balance? My account history shows reflections of how I was lead into debt even further. No logical human would ever go down this road. 

This company has made payment information so unclear and unobtainable that it has steered me toward multiple misleading forbearances. I would like to be reimbursed for these dates where they effectively manipulated me and which shows up on my account history. 

I plan to provide all necessary information to all agencies that are filing lawsuits against this company and doing so myself. In the end, I want to repay my loan. I may have already fulfilled that loan repayment. I am not looking to turn away from this responsibility and can provide a flawless history of repayment to others. You may look into this yourself. I am now requesting that they settle on a reasonable plan to pay this off immediately.

I must come to an agreement with them. Not one that benefits Navient but one that ends this abuse.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Since XX/XX/2018 I have trying to correct the information on my report. Transunion refuses to correct the information. After several letters and me sending in the necessary documents. Birth certificate, driver license, passport, bank statement, utility bills etc they still have not corrected the inaccurate information.
Consumer complaint received 2018-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MS)

I am a federal worker and qualify for the student loan forgiveness program.I submitted the original certification form on XX/XX/XXXX and a recertification form on XX/XX/XXXX. I have not received any information and/or notifications on my correct payment count. I called XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and this issue has not been resolved. Each representative keep informing me that the process takes up to 90 day ; however, it's been almost 20 months since the original form was filed. I am trying to ensure that the correct count is made and that they are not trying to force me to forgo the forgiveness process. No one at XXXX are wiling to help me. They just keep telling me that they will resubmit the forms. I have no clue what to do next.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I have currently filed illegal suit in the county of XXXX and given the information contained in the audio recorded with the JPMorgan Chase holding company I firmly believe it's a waste of time see you to spend attorneys fees to defend this case in court and I'm asking politely that you remove this from my credit report please see the link to the audio recording JP Morgan Chase representative supervisor and the documents and the court filing attached below XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-06
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. (GA)

I mailed everything to Experian to have fraudulent accounts removed from my credit report and Experian removed the account and reinserted it. I did not get any notification of the reinsertion and this has drastically hurt my chances of me getting a house.
Consumer complaint received 2017-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have discovered that bank of America in XXXX of XXXX  had opened a third account with out my knowledge or consent As you will see in document that's highlighted they took {$5000.00} out of that account and it just says overdrawn related account I never authorized them to take XXXX dollars I never authorized this account I've never had XXXX XXXX so they created this account and then took money from it documents attached
Consumer complaint received 2018-09-06
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. (TX)

I recently acquired an new credit report from Transunion and came across several credit inquiries not authorized by myself. Initially, I thought I had a fraud alert on my account. I'm guessing that with a fraud alert, Transunion still openly shares credit files with any and all people. THIS IS KINDA JACKED UP. I have not applied for credit in over 2 years. Explain how these inquiries are on my report.
Consumer complaint received 2017-04-16
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

Chase incorrectly applied my XX/XX/2016 payment towards my balance getting charged 12.24 % interest. They are also not applying my extra payment ( in addition to the minimum payment ) towards the balance that is still accruing interest. This has been happening since XX/XX/XXXX and I have made several payments over the minimum payment amount.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards and personal loans from XXXX with a balance of {$680.00}, XXXX with a balance of XXXX, XXXX with a balance of {$0.00}, XXXX with XXXX balance of {$0.00}, XXXXXXXX XXXX with a balance of {$0.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-09-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TX)

On XX/XX/2018 my home was sold at XXXX County, XXXX  to a XXXX Real Estate Investor in which he was XXXX. Why did Round Point Mortgage sold my house to a XXXX investor? To make it look like there is no Discrimination and Retaliation? 

XXXX Investor name is Mr.XXXX XXXX, he has text me and email me to vacate my once owned home and he has already file with the court to put me out on the street of XXXX as a XXXX XXXX XXXX and with a XXXX  XXXX. 
My home was foreclosed and sold on XX/XX/2018 during a VA Loan Modification and Round Point Mortgage used their Law Firm to bully me and put the house for sale at the aunction. 
Round Point Mortgage and Mr.XXXX  XXXX never provide me any documents on my home sold on XX/XX/2018. 
Round Point Mortgage law firm did their research on the Appraisal Value inflated by XXXX XXXX and XXXX XXXX XXXX of Texas to make a profit in 2015. 

My VA Loan was corrupted, fraudalent and in a scandal and Round Point Mortgage had to quickly sell the my home to cover up the corruptions. 
I email the XXXX, Texas and XXXX XXXX about the VA Loan corruptions of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Round Point Mortgage. 
Does Mr.XXXX XXXX has a business partnership with Round Point Mortgage and their Law Firm? 
How much was my home sold and why I didn't get a restitution so I can find me a home to Nurse my XXXX XXXX.? 
I am not moving out of the house until I get a restitution for my new relocation to another state. 
I want a official letter from Round Point Mortgage Law firm in stating that no negatives will be displayed on my credit report with XXXX, XXXX  and XXXX and no debt of home will be recover as I had a Bankruptcy Chapter XXXX. 
I will release the keys and home once my request has been implemented and any restitution should be sent to Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.XXXX XXXX ' I will be moving to XXXX.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

a company in XXXX charged my CHASE debit card for a purchase I did not order or use. Chase refused to follow through with an investigation and ignoored my " VISA '' rights. 

XXXX XXXX in the XXXX california branch tried to help me, but CHASE would not help him either. 

Please help me get unauthorized purchase from " XXXX '' off of my account thank-you
Consumer complaint received 2018-09-05
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. (NC)

Please consider this a formal notice and complaint for the harm caused by XXXX, Experian and XXXX on my file. I have discussed with a credit reporting attorney and he has clarified to me that all 3 credit reporting agencies have failed to follow the compliance requirements of the Metro-2 format. I am writing this because I have attached a letter that describes the non-compliance that is evidenced by the 3 credit reporting agencies.

AND PLEASE UNDERSTAND THAT I AM ON XXXX AND HAVE A HARD TIME PURSUING THIS!!!!!

I HAVE CONTACTED A SPECIALIST AND I AM FILING THIS ON MY BEHALF. I DO NOT WANT ANY STALL TACTICS PERIOD!!!
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a claim twice already asking the credit bureau to update or remove my the accounts listed below due to inaccuracies. Under 15 code 1681I, it states that items that have been disputed and come back inaccurate, I have a right as a consumer to have those items deleted. Please delete the following accounts :
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

This company XXXX XXXX XXXX is trying to collect {$3600.00} and {$1000.00} from me for a bill they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXXXXXX XXXX. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I opened account in XX/XX/XXXX. The banker told me I do had XXXX new account bonus cash when you set up direct deposit total XXXX in 90 days. I finished my qualification in 3 months.But 5 months later, I still not get anything. I contacted them 1 month ago. The customer service said will pay me in one month. But I contacted them today. The manager name XXXX said they don't want to pay it to me. They changed story said I am not Targeted with this offer!!!! They should honor it what they said. I need my XXXX bonus.
Consumer complaint received 2018-03-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (TX)

I called American Honda finance back on XX/XX/2017 to ask for a special payment plan because I was in between jobs and I needed help. They stated that I did qualify since I had such a great payment history for the last 2 in a half years. They asked me if I wanted to initiate this payment plan and I said yes. Then they said they would temporarily remove me off of easy pay and to call back in XXXX to add me back on easy pay if I wanted. I then call back in XXXX to make sure everything was well and going okay and they mentioned XXXX behind 2 months! I asked why and they said i never called back to initiate the payment plan! My credit score enemy down XXXX points!! They dropped the ball because they asked me to call back if I wanted to get back on easy pay plan. I never said not to initiate the special payment plan!
Consumer complaint received 2018-03-05
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. (GA)

I am a victim of identity theft and I have contact the collection agencies and the credit reporting bureaus several times in hope of resolving this matter and correcting my credit report, but they continue to violate the FCRA by reporting erroneous information in my credit reports. The erroneous information comes from 3 collection agencies that I do not owe : XXXX XXXX for {$960.00} and a XXXX XXXX XXXX for {$75.00}
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX XXXX Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute a 3 billing errors in the total of {$1700.00} on my account. The amount was unauthorized by me because Ive called on XX/XX/XXXX and specifically requested to delete the authorized user on my account and I clearly mentioned that I dont want him to use my card limit starting that day. Your Associate confirmed that he deleted him and he no longer can use my card limit. I called your customer service on XX/XX/XXXX to inform them that I was surprised with 3 different transaction made on XX/XX/XXXX & XX/XX/XXXX for the above mentioned total! all they can offer me is an apology for the mistake that my account was not blocked from the beginning as requested by me and that they can not do anything about it. I am requesting that the error be corrected, that any finance and other charges related to the amount be credited as well, and that I receive an accurate statement. 

Enclosed are copy of my statement showing the highlighted transaction that were made after my request. Please investigate this matter and correct the billing error as soon as possible as I believe we would avoid all this situation if the bank just processed my request. Please note that Ill be  submitting a copy of this letter to the CFPB. 

Sincerely,
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.