davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (OH)

I leased a new vehicle on XX/XX/18 and the dealer I leased the new vehicle from bought out and paid off the old leased vehicle. XXXX XXXX received the total funds including an excess payment of over {$170.00} on XX/XX/18. XXXX XXXX   applied the payment on XX/XX/18. I have a security deposit in the amount of {$620.00} on file with XXXX XXXX and am being told that they are not going to return my security deposit for one reason or another. One reason I was given by XXXX XXXX for not receiving my security deposit is that I would have only gotten it back if I was to finance or lease through them again. However, that is not what my contract says and that is incorrect. Another reason a rep at XXXX XXXX  gave me that I wouldn't get my security deposit back is because they have to wait to get the car back and assess any damages and fees that they can charge me. However, the dealer that I turned the car into has purchased the vehicle and this concept does not apply. So therefore, XXXX XXXX will not be getting the car back, they have been paid in full for it and so this is also not correct. It's like I'm being given the run-around and being told one lie after another so that they can just keep my money. In addition to this, XXXX XXXX has taken the excess amount that they were overpaid and applied it to another month 's car not, and claiming I owe the balance so even at this current time, my account is stating past due. The account is NOT past due. XXXX XXXX has been paid in full for the car plus excess. And if they don't get this straightened out immediately, the next problem is going to be that they report to the credit bureau on my file that the account is past due when it is not, causing me further problems and a bigger headache, which is harder to correct after my score has taken a hit it should NOT take than if they just correct this mess now, before it gets to that point. The attached documents show the full payment amount of {$15000.00} of which {$170.00} was applied towards a next months payment ( after I don't have the car anymore, go figure ) and the balance of {$15000.00} that the dealer paid to XXXX XXXX  was the actual payoff amount of the vehicle. The bottom line is XXXX XXXX owes me the {$620.00} security deposit, the excess payment of over {$170.00} and to correct the account showing past due to current and PAID IN FULL.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OH)

The Student loan company called Navient is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (NJ)

After much difficulty and back and forth, I closed on my refinance on XX/XX/2018. Two days after the closing, the lender informed me there was an issue with my cash at hand, as they did not include my pension from NJ. I was not informed that my pension was excluded until two days after signing the closing documents. By the time I could coordinate with NJ pension system and get proof, it was XX/XX/XXXX. On the XXXX I was informed that the money was released to the title company. On Friday XXXX I was told a check would be overnight to me. Today is XX/XX/XXXX and no check is arriving today.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have been going back and forth with Equifax on inaccurate reporting on my credit report. They have been updating the assigned date on a alledged collection from XXXX XXXX XXXX everyday for the past 6 weeks that I'm aware of ( maybe longer ). The original creditor is also inaccurate, as well as the status. I called XXXX to see if they had a problem with there system and they say no, the information that they receive comes straight from the Credit Bureaus.
Consumer complaint received 2018-02-13
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SECURITY CREDIT SYSTEMS INC (NY)

XXXX XXXX at XXXX XXXX calls my WORK phone 1x a day, my moms cell phone and my employer. When he contacted both my mother and my employer ( old manager ) he did not state who he was, why he was calling but was probing for information if I was at my desk/vacation/available to speak. Would not disclose information on why he was calling right away and my mom and employer want him to stop contacting them. 
In addition, he was phishing for more people I work with and their phone numbers to be able to contact myself. If he doesn't stop I will file a law suit as he is putting my career in jeopardy. 

I'm sure he has contacted others at my job too, which is ruining my character within my position.
Consumer complaint received 2018-03-29
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: SYNCHRONY FINANCIAL (KY)

I have already made a complaint with this company on XX/XX/2018 and they said they needed more proof of my identity which is bull since they had my name. They need to remove these hard inquiries off my credit reports because I never had a contract or gave authorization to my information!
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc (IL)

I wrote and sent a Certified Letter with Read Receipt for debt validation to Consumer Collection Management on XX/XX/2018 at Consumer Collection Mgmt. XXXX XXXX XXXX XXXX XXXX, MO XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I have requested that Consumer Collection Management provide me with complete documentation to verify that I owe said debt and have any legal obligation to pay them. I have not received a response within the 30 day period for Debt Validation. ( 15 USC 1692g Sec. 809 ( b ) ). 

I asked for the following : 1 ) Agreement with the creditor that authorizes CCM to collect on the alleged debt. 
2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 
3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. 
4 ) Proof that the Statute of limitations has not expired. 
5 ) Complete payment history on this account along with an accounting of all additional charges. 
6 ) Show me that they are licensed to collect in my state ; and their license numbers and Registered Agent.
Consumer complaint received 2018-02-13
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. (CA)

These accounts are not my accounts they are FRAUDULENT Im not the XXXX  XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX/JOINT ACCT, XXXX XXXX  XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX XXXX XXXX-XX/XX/XXXX &XX/XX/XXXX, XXXX  XXXX, XXXX XXXX, XXXX , XXXX  XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/2017 {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS FRAUDULENT.
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I have my Mortgage with Dovenmuehle. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX I requested to have my PMI cancelled on XX/XX/XXXX according to the Homeowners Protection Act. They sent me a letter on XX/XX/XXXX about my request. My original Loan amount was for {$240000.00} in XX/XX/XXXX. It is a seasoned Loan. I have not missed a Payment and I now owe {$130000.00}. I am now at 53 % LTV ratio.  According to the Homeowners Protection Act, they are legally required to remove the PMI. They are also required to send me a letter every year updating me when It will be removed, they never sent me such documents. 

According to their letter, I must buy an appraisal from them, and only them. They stated that if the appraisal shows that the house is worth the same amount as the original appraisal of {$250000.00} then they might consider canceling the PMI. 

I called them back and told them that the Homeowners Protection Act does not state that I am required to get an appraisal to remove it since I am well below the 78 % LTV. They stated that my Loan was a Fannie Mae, Which it is not, and that they require it not them. 

I feel like they are giving me the run around about removing the PMI. 

Please help me, I have a well seasoned Loan, I am at 53 % LTV ratio, I have a conventional Loan. I am up to date with my payments. They need to Cancel the PMI from my Loan. 

XXXX XXXX XXXX
Consumer complaint received 2018-08-25
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: CITIBANK, N.A. (NC)

on XX/XX/13 I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since Citi never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with CITI AGAIN. When you call this company and speak to different people you get different answers to your questions.
Consumer complaint received 2024-11-03
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. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2018-02-13
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: SYNCHRONY FINANCIAL (CT)

The balance on my XXXX XXXX account is XXXX I believe. This card was used on XXXX to make several purchases using my XXXX account without my consent. The total of which is around 1200.The persons who used the account without my permission/consent were paying me for said charges, however, they have recently moved out and payments stopped.. I attempted to request a settlement offer, however, I was told there is not one available. I've paid off the account minus the fraud charges which the total is a rough estimate as I do not have my full XXXX order history available to me at this time. If Synchrony Bank is willing to adjust account to XXXX or accept a settlement offer for less that what is owed that is considered reasonable with said fraud charges.
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Cashing a check I submit power of attorney and certification of endorsement as requested by the bank. 
The manager of the bank kept telling me everything was fine. After several trips to the bank over a two months period the bank told me they will return the check to me. 
The check is issued by Santander and I am trying to cash or deposit the check in a Santander account. 
I have been dealing with the branch on XXXX XXXX in XXXX NJ. 

Check amount is XXXX. 

I explained to them they are causing hardship to my family by refusing to cash their own check. They never explained their action. A branch manager simply said that was their final resolution. Once I receive the check, I will be in possession of a check that is as good as piece of toilet paper. That was hard earned money that was deposited in Santander bank. 
Please advise
Consumer complaint received 2018-02-13
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: PDQ Services, Inc. (GA)

My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit
Consumer complaint received 2018-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (KY)

On XX/XX/XXXX I sent a {$70000.00} wire to Coinbase including only the exact information they required ( without any extraneous info ) to credit my account on Coinbase. 

As of XX/XX/XXXX ( today ), SIXTEEN days later, my wire transfer to Coinbase is STILL not there. Although Coinbase claimed next day availability ( on their website ) for wire transfers as of XX/XX/XXXX. 

I filed an online complaint through XX/XX/XXXX/Coinbase after about a week, as well as ~ 2 weeks later .... and then called and even had that escalated to an upper tier, and the response I received was to stop calling because it delays the process ( see attached documentation. 

How much longer could this possibly take, the one day turnaround has been more than 2 weeks? I have missed out on huge possibilities because of their promises. 

I needed the money I sent to Coinbase so I could buy Bitcoin instantly at {$12000.00} and now it has reached over {$16000.00} ( who knows where I will even be able to buy it back in at this point ) .... 

I believe Coinbase has done this deliberately something fishy is going on here.
Consumer complaint received 2018-02-13
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: WELLS FARGO & COMPANY (FL)

I had a Wells Fargo credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.
Consumer complaint received 2018-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (KS)

XX/XX/XXXX, I sent a deferment and cancellation request form to XXXX XXXX. They sent back a request via email requesting a letter sent from my employer indicating which school. I sent the letter back to Heartland right away. First of all, the instructions for sending the letter was horrible. It did not tell what information to include in the letter or if anything needed to be sent along with it. I sent the letter the same day I received the email from Heartland. I never received another email from them until XX/XX/XXXX. I went to my account only to discover that I  received a billing statement saying my payment is due XX/XX/XXXX. I contacted Heartland to see why I was receiving a statement and the lady told me that they did not receive the letter I sent. Mind you nothing in my account shows when I submitted the request or that they had sent an email requesting for more information. I did not receive another notice. The representative told me that I would need to submit paperwork again because it had been longer than 30 days. Really?? I asked if I could send a copy of the letter and was told no. The communication with this company is horrible. Why could I have not sent it electronically? They accept nothing electronically but they sure do send out all notices electronically.
Consumer complaint received 2018-02-13
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. (GA)

XXXX & Experian are both reporting a bankruptcy. They have both stated this has been verified. This is false information. XXXX  does not report this information. XXXX XXXX and other credit reporting agencies have not reported this information. The XXXX XXXX XXXX XXXX has not reported this information. I have asked that this be removed from my XXXX & Experian files but they have both stated it was verified but have never provided proof of verification. This is not fair to me and this false information should be removed from my credit files.
Consumer complaint received 2018-01-05
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)

There are hard inquiry on my account that I did n't authorize. 
* XXXX *XXXX XXXX XXXX XXXX XXXX *XXXX
Consumer complaint received 2018-08-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DFC Global Corp. (CA)

It was very clear that its pay day. And then they will check credit. Im not afraid if they do but it was clearly stated on their website the requirements. misleading the consumer and causing anxiety. They should have taken and put that they will credit check instead of fooling people. 

This kind of abuse to consumer should stop.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Chase Credit services, closed my account with no objective reason. I have not had a late payment with them. Always followed all the rules. Ive been a Chase customer for more than 5 years. I received a letter stating that they are closing ALL my account with fictitious reason ( to many other accounts with different institutions opened ) I dont think Chase can discriminate in such a way agains customers using other services except their banking services. Ive written to their execute office multiple times and did several calls. The so called executive sovereign department is like a unreachable institution for the regular chase customer. They take your request through a phone service and then you wait and wait for their blessing. Ive offered to send bank statements and other docs to prove that Im a good payee etc.. But to no avail. I request ALL my accounts to be immediately reopened and alll likens of credit restored.

Thank You!
Consumer complaint received 2018-02-13
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. (OH)

I have been disputing a XXXX XXXX account on my credit report with all three Credit Bureaus. The disputes led to XXXX XXXX taking me to court over a credit debt of {$2100.00} on XX/XX/2016. I filed an Answer with the court denying the debt was mine. After meeting with the attorney who showed me copies of statements which I denied any knowledge of, we were unable to come to any mutual agreement. We had to continue with court which the Judge ruled in my favor the defendant. The attorney was unable to prove the debt belong to me. I was given a copy of the Judgement which i sent a copy to all three Credit Bureaus, Experian, XXXX and XXXX. They still continue to report this debt as does XXXX XXXX who also has a copy that was given to there Attorney.
Consumer complaint received 2018-10-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Omni Financial Corp. (FL)

Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against World Omni Finance for reporting erroneous late payments. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with World Omni. I am at the mercy of World Omni Finance Co. and these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted World Omni and their representative says they are not reporting any late payments. Please tell me what to do