davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
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. (GA)

On XX/XX/XXXX I contacted Santander regarding the XXXX XXXX XXXX which was repossessed on XX/XX/XXXX spoke with XXXX, a Supervisor from Santander. 

XXXX advised me that the vehicle was sold on XX/XX/XXXX in the amount of {$11000.00} at a private auction. I proceeded to inquire about my personal belonging, I made several attempts to XXXX XXXX to recover my things no one never called me back. XXXX assured me that he will call XXXX XXXX and conference me in due to the extreme hold time in regards to my personal items. I never received a call back. 

The next day I wrote a letter which was sent via email and mail to Santander regarding how the repossession was handled and how I was never contacted by them or notified of the sale and that this is a violation of Georgia state law. 

As of today I only received a generic system generated email.
Consumer complaint received 2018-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

On XX/XX/XXXX, I mailed a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX   XXXX, XXXX. requesting debt validation. I received correspondence from Resurgent Capital Services dated XX/XX/XXXX stating that XXXX XXXX, XXXX, has initiated a review of the inquiry recently received. On XX/XX/XXXX, I contacted Resurgent Capital Services regarding the alleged debt and was informed that a cease and desist was placed on the account. Since XXXX, I have communicated with XXXX XXXX XXXX, XXXX. and at no time did I request cease and desist. On the contrary, my correspondence has specifically demanded debt validation. On XX/XX/XXXX, I again demanded debt validation from Resurgent Capital Services. On XX/XX/XXXX, I contacted Resurgent Capital Services again and informed them that I have not received the validation letter. The representative reported at that time, that while my account had been flagged, there was no record that a validation letter was sent. 
Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been almost two years, and I have yet to receive debt validation. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated to respond within the statutory time limit. Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission. I consider your agency to be intentionally ignoring my requests, therefore I am submitting this letter to the Consumer Financial Protection Bureau. 
In addition, I would like to remind you that collection agencies are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. Despite this, XXXX XXXX, XXXX. has continued to update the alleged debt to all three credit bureaus ; on XX/XX/XXXX, it was updated with XXXX and XXXX. Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

I have been trying to get Chase Credit Card to fix the amount they just threw in cash advance, when I never had a cash advance sine XXXX of XXXX. They also juggle the amounts back and forth in that area and I believe it must be so they can charge higher interest. I have all my statements, and did an audit and not only are the amounts ridiculous, I notice they did this also in XXXX. The XXXX started out with an amount of XXXX, and is now XXXX? I have photographed a few statements that shows the amounts bouncing back and forth. One month XXXX the next XXXX, the next XXXX and so on. There has got to be a law against this. I am wondering how many customers they are doing this to.. Do I have to start a class action to get this remedied? I see where they have been sued for everything but this, and it seems it started just about the time they were caught on other descrepencies. Please advise. I also just received a notice that since my interest was low, they are raising it 5 %. Are these guys loan sharks in sheeps clothing?
Consumer complaint received 2018-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FBC MORTGAGE, LLC (FL)

I applied for a loan mod about 7 months ago and was denied. I have since paid all of my past due balances. They are now forcing an escrow account on my existing mortgage and trying to force me into another loan mod. I have no agreement other than my original mortgage.They have agreed that they are wrong but continue to harass me and push the new loan mod.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the second time I have contacted your Trans Union, XXXX, XXXX   regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XX/XX/XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.
Consumer complaint received 2018-03-01
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. (PA)

Stolen identity fraud account open in my name XXXX XXXX  XXXX also known as XXXX XXXX Opened XX/XX/17 Account number XXXX Amount XXXX
Consumer complaint received 2018-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (FL)

XXXX working on behalf of Seterus has is withholding the check in which they received from my insurance company to repair my roof and den area. The work has been completed by all contractors and all documents that XXXX has required have been uploaded and validated as received, but they refuse to release the actual check. Consequently, contractors are now in the process of suing me civilly for their funds. No one at XXXX seems to know what is going on. Each person states that they have placed the payment request but for some reason the check has not been cut.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal. 
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine. 

*XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXE ARE NOT MINE!!!!
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AR)

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX  to I C System which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. I C System has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of I C System. I C System is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2018-11-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ME)

In XX/XX/2018 I took out a debt consolidation loan from XXXX XXXX XXXX XXXX. I supplied them with my credit report to pay my rent off. A check was sent to XXXX XXXX in XX/XX/2018 and deposited by them according to my banks records. However they failed yo update all 3 bureaus, and refuse to work with me on fixing it. I have proof of the check and deposit from my bank. I need this off my credit.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (RI)

Account was opened XX/XX/XXXX. At the time my credit was checked and I was approved for the department store card. 

In XX/XX/XXXX, upon closer examination of my statement, I noticed my credit line had decreased. I had received no notification of any issue. My account is in excellent standing. I phoned the provider and they stated they had no idea why my credit line had decreased and they reinstated my original credit line. 

Yesterday, while looking at my account, I noticed, yet again that my credit line had decreased. Again, no notice, no call ; no idea why. Account had a XXXX balance and excellent standing. 

I phoned the account holder today after not getting an explanation from an email the yesterday. According to the " Account Manager '' that I spoke with - XXXX has the right to periodically check my credit score from all three reporting agencies ( XXXX ; XXXX and XXXX ) and apparently are also getting credit updates on a regular basis from all three credit reporting bureaus when ever something changes on my credit report!! I never gave any permission for any company to constantly monitor my credit..and I know this is not legal. She stated that they had sent a letter on the XX/XX/XXXX. I have received nothing. She also stated they mailed letters back in XXXX ( however when I checked in XXXX the Customer Service Rep I spoke with at the time told me she didn't see any letters going out ) when I brought up this had happened before, and I had never received any letter. I asked that the letter be e-mailed to me along with any documents that they state " allow '' them to monitor and get updates on my credit. She stated that she can not e-mail them and that she needs to mail them. She would not give me any reason why this has occured. 

I never gave XXXX ( XXXX XXXX ) permission to " monitor '' my credit reports from the three major credit reporting agencies. 

I have paid off the card in question and have closed the account. I have asked that my banking information be deleted from their system and I have also requested confirmation, which I have not received. 

This is a muli-issue complaint.
Consumer complaint received 2024-10-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I closed the account in XXXX of 2024. I had a " XXXX '' balance and they charged my a XXXX late fee in XXXX of 2024 for a company imposed payment security fee of {$0.00} cents. After talking to the Payment Security people there should have ben no fees as the balance was " XXXX '' dollars as the account was closed!! They are still going to charge the {$41.00} monthly late fee until this account is " XXXX '' out again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and will keep compounding until they break me and my hard earned credit..
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Protection Association, L.P. (AR)

COLLECTOR MUST CEASE AND DESIST COLLECTION EFFORTS AND CALLING MY CELL, THIS XXXX BILLS WAS DISCHARGED IN BANK RUPYCY ON XX/XX/2018.
Consumer complaint received 2018-11-06
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX ( reported multiple times ), XXXX XXXX XXXX ( reported dupcliate )
Consumer complaint received 2018-12-03
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solomon and Solomon, P.C. (NY)

On XX/XX/2016 I opened a student loan with SOLOMON & SOLOMON PC to attend XXXX XXXX XXXX College. Due to XXXX XXXX and family issues I could not complete my education and needed to drop out. It was in XX/XX/2016 that I moved and the debt collectors did not sent notification to the new address.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (FL)

i have a store card with XXXX. i am less than 3 days behind on my current payment. I understand the importance of paying on time but i have to wait for my paycheck to pay the bill. However the company ( synchrony bank ) continues to call me at least 4 times a day every single day telling me i need to make my payment. I am fully aware it is due and have told thiem it will be paid and i feel harassed by the number of calls that I am getting from them. I have had to place my phone on silent so that I do not have to hear it ring all the time.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir/Madame : My original mortgage loan with XXXX XXXX XXXX was transferred to a mortgage servicing company called XXXX. 

In 2017, my wife lost her job. At that time, I had made contact with XXXX XXXX XXXX to find out that they sold my mortgage and is now managed by XXXX. Eventually, I was able to make reach an individual with XXXX  and explained my family 's situation. At that time, the only help or abbreviation extended to me was a loan modification/refinance. And because I did not want to have any negative effect on my account, and for my family 's benefit, I accepted the offer and its terms. 

At the initial stages of this process, I had asked if it would have any negative effect on my account and credit, etc. I was told it would not. The loan modification/refinance took many months, and much longer than I would have imagined. However, it did get done and my mortgage payment was a bit smaller. It wasn't anything tremendous but it was helpful nonetheless. 

After it was all said and done, I checked my credit scores as I needed to get financing for my daughter 's college/student loan. Unfortunately, I found that this " process '' had a grave negative effect on my credit. Immediately, I contacted XXXX to question the scenario. To date, I have yet to receive much cooperation. I explained to them that at most, there might be a 30-day late pay but that it was actually their fault because they initiated an auto withdrawal from my bank account without my permission or knowledge. The transaction was not approved because I did not initiate it. And what did XXXX do? They marked the payment as a late pay. Please know that the payment was eventually made per my action/approval. However, it was very frustrating as XXXX had upside-downed my bank account and I had to wait for that to be corrected before I could take care of the payment. And, I was charged fees from my bank and XXXX. 

I would really appreciate some help with this correction as I am desperate to help my daughter with her college tuition. These stains with the three credit bureaus is absolutely having a negative impact for not just me but my entire family. 

Please feel free to call me with any questions, etc. 

Thank you very much for your time and assistance! 

Kind Regards, XXXX XXXX XXXX
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: MIDFIRST BANK (AZ)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX, A which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX, A was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I opened a new checking account at HSBC and was told that I would receive {$200.00} for doing so : New account application ID # XXXX You will automatically receive the {$200.00} Welcome Deposit in your new HSBC Choice Checking account approximately eight weeks after completing all qualifying activities. It's that simple. 
Now they are telling me they can't find my bonus money and keep wanting me to call back and they still do nothing but want another call later. 
I want my money and they are defrauding me with their false advertising of that bonus cash.
Consumer complaint received 2018-12-21
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. (NC)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (LA)

I have been making payments on private student loans since XX/XX/XXXX on private student loans. The amount of payment has varied over the years. I was setup for auto payments that were taken right out of my bank account and each month for years I would get phone calls saying my loans were late. I would explain the same situation month after month ... .they are on auto pay..they are not late. Navient was not applying the payments correctly so late fees and interest were being applied. This went on for years. 

My mother is a co-signer on my privates. I applied this year ( XX/XX/XXXX ) to have her released and was denied. She is XXXX and on social security. Navient calls her because of my loans. This stresses her and I've asked them to stop. But of course she is a co-signer which is why I filled out paperwork to have her released. It was denied. 

My income has changed in XX/XX/XXXX and now I can no longer make the huge amount of monthly payments. I am starting to fall behind and the phone calls are starting. I have called ( XXXX, XXXX & XXXX ) several times to get the payments lowered. I'm told they can go any lower than the {$400.00}. I can not afford this amount. Navient said they is nothing I can do to lower my monthly payment. I have read about the lawsuits with Navient. I have had the same experiences with Navient dealing with my private student loans. I filed bankruptcy in XXXX and was told I could not discharge my private student loans. I am now reading that sometimes they can be discharged if I go before a judge. I was not told this and was not aware this was an option. 
I just need help to reduce my monthly payment.