davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Attempted to contact CapitalOne twice once with an agent and again with a supervisor on XXXX XXXX,2017 ... I paid my account in full XX/XX/2017 {$2200.00} ... which in turn I received an interest charge for {$31.00} I contacted and asked if they could waive as a courtesy as this is my ONLY balance and I have paid them more than enough interest including a late fee and both times both parties said no for {$31.00} ... I have been a customer with them for years and a no!? I am asking for your help to have any fees waived including a late fee if they charge a late fee on top of this interest charge
Consumer complaint received 2017-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MS)

XXXX XXXX XXXX turned over a loan for collection to the XXXX  XXXX XXXX  XXXX on XX/XX/XXXX that they claim I owe from XX/XX/XXXXin the amount of $XXXX. They have only contacted my mother, the cosigner, via mail for the first time on the first week of XX/XX/XXXX regarding this loan and I have yet to receive any information at all. My mother is still currently making payments on a loan for the exact same amount, also originally owned by XXXX XXXX XXXX, that was turned over for collection to XXXX XXXX XXXX in XX/XX/XXXX. I was made aware of this issue when I checked my credit report and found this loan for $XXXX posted to my report that was opened XX/XX/XXXX. My mother has contacted American Education Services , who I have multiple student loans with ranging in years from XX/XX/XXXX-XX/XX/XXXX when I attended college, She asked them for a promissory note for this loan along with any other information verifying the validity and they keep informing her that they are working on it. She has also contacted XXXX XXXX XXXX via a phone number on the letter and requested the same information to which they responded she will receive it in the mail within thirty days. The letter also stated that she had thirty days to dispute the validity of the claim before they pursued other actions to collect this debt.
Consumer complaint received 2017-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Automated calls are often and repeated, it states they are from Bank of America, they are looking for an XXXX and XXXX XXXX who have never lived here or have had my number. I have had the same phone number for 15 years. 
One I did speak to a live person and informed him those people do not live here and the calls stopped for a while, today alone, I received 5 calls it was automated, it states if I am not XXXX or XXXX to press 2, I did press 2 and nothing happened, so I hung up, as soon as I hung up, they called again, same message, I continued pressing 2 to show I am not them, still the calls continued to come in. This is not only an annoyance, it is harassment.
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

On XX/XX/XXXX I faxed over a modification package and it was received. Representatives at SPS stated that they received the modification, but they did not open the file and that they would continue with the foreclosure process and foreclose on the house on XX/XX/XXXX. A letter was received on XX/XX/XXXX stating that they received my home retention paperwork and to discuss the option available to me. This paperwork was received the same day that my house was to foreclose on. I had to file bankruptcy to keep me home, which an representative stated that I should not file bankruptcy. I opened a case and submitted all paperwork. SPS was not accepting payments anytime during this process. They checked my credit and denial me a modification to keep my home. They sent paperwork for me to do a short sale or deed in lieu of. I am trying to workout a solution to keep my home, but they are not trying to work with me. SPS polices and practices, constitute discrimination against applicants with respect to credit transactions on the basis of race and/ or national origin in violation of the Equal Credit Opportunity Act, 15 U.S.C. 1691 ( a ) ( 1 ). SPS induced the foreclosure by failing to offer refinancing or a loan modification to XXXX on fair terms- which constitutes a particularly egregious form of redlining, given that XXXX sought a loan modification with respect to a bad loan that the bank previously made to him.
Consumer complaint received 2018-08-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (MD)

This isn't a duplicate complaint. If what they did is true when I had signed for my new vehicle trade line on my XXXX XXXX XXXX and what they have stated say that when I had signed for my new vehicle my old deadline or contract on my XXXX XXXX XXXX was still on my report before it was deleted and was put into consideration for my new interest rate than why did my interest rate increase after 6 plus months of on time payments and they also financed me for 2 to 3 payments longer at a lower payment as well but thatisnt the issue the issue is those extra payments is extra money in there pocket they are not entitled to and should have been given a Lower one because of set conditions. On time payments should lower not raise interest rate.
Consumer complaint received 2017-10-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO. (GA)

I went into Chase bank on XXXX XXXX XXXX XXXX XXXX GA XXXX. I applied for a business loan for the second time in two years. On XXXX XXXX, 2017 I got a letter from them that denied me. They said that it was for the following reason of derogatory personal public record or collection filed along with a few other. They also said that they relied in whole or part from a report from XXXX and my credit score showed XXXX. I pulled my credit and XXXX showed XXXX and XXXX XXXX score. I also have no derogatory public records as of XXXX/XXXX/17. I want to have CHASE investigated because I have been with them 13 years and want to know what criteria is needed to get a loan because I feel like I am being discriminated against. I am also seeking legal counsel on this matter. I can email someone supporting documents. 

XXXX XXXX
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NH)

On XX/XX/XXXX I attempted to temporarily lift my security freeze on my Experian Credit File. I first used their https : //www.experian.comXXXX   online security freeze center but was unsuccessful, even after trying every past address combination that I could think of. Note : I had no issues temporarily lifting the security freezes that I had on my XXXX and XXXX credit files when using the same personal data. I know the payment method that I was using was not the problem because at every attempt I made, Experian charged my credit card with a temporary authorization of {$10.00}. 

After each attempt, I was redirected to a page that gave instructions for mailing in documents to verify my identity along with a request for a security freeze lift. There was also a link to an " upload documents now '' form. Each time that I tried to submit the documents using this online link, it failed and I wast redirected me to a notice stating that I must mail documents in to have the freeze lifted. 

I tried to call XXXX, XXXX, and XXXX to get assistance but none of these # 's allow for talking to a live person. 

I feel that Experian has made it so difficult to manage security freezes that they are putting an undue burden on consumers. Especially the military, who don't have the luxury of having access to fax machines and post-office service when they are deployed. I'm XXXX right now and if I had to mail in all of the documents that they are requesting to lift my security freeze it could take weeks for it to be received by Experian and processed. Not very convenient when trying to apply for a home loan. It basically puts a hold on the entire process of being underwritten for credit.
Consumer complaint received 2017-10-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NH)

XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX XXXX XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XX/XX/XXXX Monthly payments of {$850.00} were due on the first ( XX/XX/XXXX) of each month, and considered late on the sixth ( XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within XXXX ( XXXX ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page XXXX of the Original XXXX XXXX XXXX XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX XXXX Rental payment for new residency at XXXX XXXX XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my report!
Consumer complaint received 2017-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (NC)

My bank card was swiped by someone located in XXXX, Florida on XXXX XXXX, XXXX. I called and reported the unauthorized transaction on the same day. I was told that the transaction would have to be investigated. It is XXXX XXXX, XXXX and I had to call Suntrust Bank for an update regarding the issue because Ive received no communication as to what is going on. I was told that the claim was denied and that I would have to submit proof that I did not make the purchase. I was told that I would have to submit a rebuttal and the process would take another 45 days to investigate. A few months back, I had to file another claim due to an Suntrust ATM issue. The ATM took my money, never provided a receipt and the funds never appeared in my account. I had to wait for an investigation to be completed before receiving the credit. Earlier this summer, I made a cash deposit with an actual Suntrust bank teller at XXXX XXXX. and there was no sign of it posting the next business day. It should have posted immediately. I went back into the location on the following day and was told that the bank teller made a mistake. I provided my deposit slip and the memo/credit was placed in my account. I reported the latter two incidents to the Consumer Financial Protection Bureau.
Consumer complaint received 2024-10-28
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. (VA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

We went through HAMP with XXXX XXXX XXXX in 2010. PMI premiums were instated on our mortgage that is approximately 58 % of our home mortage price and value. I have tried repeatedly to find out why we are being charged such an exhorbinate amount of money monthly for an insurance premium. We have been paying this for the past 10 years to the tune of XXXX. It is a tremendous burden to make this gouging payment. I believe that XXXX XXXX XXXX made an error when the modification was processed and instead of listing the private mortgage insurance premium annually for {$630.00} they inserted the premium to be paid monthly at {$630.00}.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

last year I had a XXXX XXXXXXXX XXXX XXXX credit card that I was paying on time. I had it for over 2 years and I never once had a 30 day late payment. Then all of a sudden at the XX/XX/2017, I get a call from XXXX XXXX asking why I hadn't made my minimum payment. I was confused and shocked but nevertheless I asked what the minimum payment was and what the balance was. They told me that the balance was over {$500.00}. Again I was confused because as of my records, I only owed about {$200.00}. I asked them to itemize the charges for me and that is when the problem occurred. 

XXXX XXXXXXXX XXXX XXXXt started itemizing what the charges were. They then informed me that some of the charges were for items purchased online. Just to be clear, I have NEVER purchased anything online. I don't believe in it and I like to go to the store to make my purchases. XXXX XXXX XXXX XXXX XXXX XXXX  claimed they were going to investigate it but they said that the items purchased supposedly matched the sizes of clothes I buy in store. They never actually proved this to me but just said it over the phone. I told them this was crazy and that I did not purchase anything online and that I was disputing those charges. XXXX XXXX XXXX XXXX said that these were legitimately my charges and that I had to pay the {$500.00} or else this account would go to collections. I then asked to speak to a supervisor but conveniently the supervisor was busy and would have to call me back. He never did. 

Over the last few months I received a few calls from XXXX XXXX asking me to pay this debt. I informed them that I would gladly pay them the {$200.00} I owe them but that I am not going to pay for something I didn't charge. I also asked why I still haven't spoken with a supervisor even though I asked for one. I have even disputed this with all the credit bureaus and XXXX XXXX XXXX XXXX XXXX has claimed this debt was legitimate. Bottom line, they don't care. They are sticking me with charges that aren't mine because they supposedly have proof I charged the items even though they refuse to provide me with this proof when I ask for it. They still do not provide a supervisor for me to discuss this further and now they charged the account off and are damaging my credit report. This is coercion, extortion, malice, harassment, fraud, unfair lending practices, unclean hands, whatever you want to call it. It is completely unfair and they are preventing me from obtaining credit with new creditors. Please assist me in getting XXXX XXXX XXXX XXXX XXXX to stop reporting this as it is fraudulent reporting and collecting.
Consumer complaint received 2018-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLD KEY CREDIT, INC. (NY)

I am writing to submit a claim against Gold Key Credit INC. in the amount of {$790.00} for a medical bill for my daughter that was sent to them in error. I have never received any written communication from the company in regards to this debt nor have I ever received a call. The debt was taken on consignment from XXXX XXXX XXXX, a billing company for XXXX XXXX Hospital located in XXXX XXXX, New York. I contacted the company on XX/XX/XXXX of this year after pulling my credit and seeing the derogatory mark. Upon some investigation I have found out that this debt should never have been sent to the collection company and I would like to dispute it.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

On XX/XX/2023 I sent a notice to Santander Consumer USA 's dispute address regarding information they are furnishing to my consumer reports that federally are not supposed to be there.

Santander consumer Usa is furnishing late payments and an account status as charged-off which is in direct violation of the Fair Credit Reporting Act. Specifically 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) which I included in my notice letter. Information solely as to transactions and experiences between the consumer and person making the report shall not be included in consumer reports. 

It is now XX/XX/2023 and I have not received any response from Santander Consumer USA or any change in my account status on ANY of my consumer reports
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MS)

In XX/XX/2018 I called shellpoint to let them know that my husband was gon na be out work for 3 weeks and without pay. The guy I talked to said that was fine all I had to do was to spread out the month of XXXX over a 6 month period and my payments were XXXX at that time. So my payments would go up to XXXX a month starting at the beginning of XXXX. I said that would work. He referred me to someone to set that up. I called and left messages and no calls for several days. When I got the call it was after the XXXX and now Im 2 months behind. So to get my payments below XXXX. I had to pay XXXX. So I did. Now, she was suppose to call me the next day and did not. So when I received a letter in the mail showing my new payment of XXXX a month it was after the date of getting it done. So I went online to set up a 2 month payment in XXXX. Then, something told me to call so I did. When I called the lady I talked to told me it was all set up and all I had to pay was the XXXX. I was relieved. So I set the payment up for XX/XX/XXXX. I thought everything was fine. Then I get a call on XX/XX/XXXX saying they r attempting to collect a dept. I call her back the next day and she tells me they didnt receive the payment. Now it has been 3 weeks since the payment was suppose to come out. I have a confirmation number and a 2 letters confirming all of this. She said that it didnt matter and now to get my loan current I have to pay XXXX. Excuse me??!! Then she says if I can make 2 payments adding up to XXXX that would work and then for 6 months my payment would be XXXX and if I pay the fee of XXXX for someone that drove by to take a picture to prove I am still living here it would bing my payment down to XXXX. I tell her I can only pay XXXX. She says ok. Now my payments are gon na be XXXX a month. This is not right or fair. I called for help in time and now 3 months later my 6 month payment has gone fromXXXX to XXXX. There is something wrong with this picture??!! I believe they r giving me the run around to get more money out of me or something. I have received certified letter saying I have 45 days to comply as of today XX/XX/XXXX. What am I suppose to do. I dont want to lose my home we have been here for 23 years. Help me please.
Consumer complaint received 2017-10-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (IL)

Open in XXXX closed in XXXX balance {$12000.00} keep changing complained numerous of times still no results, was offered to settle in XXXX for {$1600.00} was a great offer just did n't have the money now the company is reporting ever month to the credit bureaus and the amount is increasing but yet the acct. is closed and charged off
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (AL)

Discover repeatedly for months lied to me and stated that my secured credit card would be reviewed and graduate to an unsecured card after being with them for 6 months. I always paid more than the minimum amount due and never paid a bill late. Everytime I spoke with a representative I received contradicting responses. Out of pure frustration of continuously receiving misleading and blatant lies from customer service representatives at Discover I decided to close out my account. I proceeded to apply and receive 2 other credit cards, one with XXXX XXXX and another with XXXX, for which I was approved with a higher spending limit than Discover and unsecured! Fast forward 3 months after I closed out my Discover account I have yet to receive my check of {$1000.00} which was secured deposit funds. I've spoke to 4 different customer service representatives before one of them thought to ask me to verify my address and realize that the apartment number was missing and therefore my check never reached me! I called again 2 days ago and was told a check was going to get re-issued, I asked if it could get expedited and was told that they would escalate to see if possible and to follow up. I called today and yet again a different story! This time I was told that I have to wait for an investigation to see if the first check was cashed before they could issue a replacement check. How FRUSTRATING! When I authorize the {$1000.00} as funding for security deposit Discover did not hesitate to withdraw funds from my account, however now that I cancelled because of misleading and poor customer service and want my money back they are taking extremely long and throwing all sorts of hurdles my way. I would never bank or apply for any services with them. I will make sure I tell ALL of my friends, family and co-workers, heck even strangers I encounter on a daily about the horrible service I received and that fact that no one I've ever spoken to has taken accountability for their company and offered a solution even close to above and beyond. I've never received such poor treatment from any company I've done business with and this is the very reason why I am appalled and in shock that they continue to receive the amount of business they do. They definitely do not put their customers first nor offer one call resolution.