davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MD)

On XX/XX/XXXX, I was involved in a total loss accident in a vehicle that I purchased using the lender XXXX XXXX. Approximately 6-8 weeks later, my insurance company at the time ( XXXX ), along with my GAP insurance company ( XXXX ) paid this lender the amount remaining on the loan balance! The auto finance company then claimed that I still owed them an amount of about {$2600.00} for late fees. This is incorrect as in XX/XX/XXXX I had paid them up to date on the amount I was behind which was only a few months and everything was current. Now since they have continued to deny that this {$35000.00} loan was not paid in full, they have continued to add late fees, interest and anything else possible to run up this tab on a vehicle that's in the junkyard. They have forwarded it as a charge off and the amount has rose to about {$6500.00} and continues to climb. I have done every thing in my power to resolve this but its not right that I am continuing to be affected by this. They report to the 3 credit Bureau 's every month that I'm late on my payment and it is causing me a real struggle to keep my credit score from crumbling. Any help is greatly appreciated.
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CO)

Hello, On XX/XX/XXXX, my home owners insurance was not renewed. I did not carry insurance until XX/XX/XXXX. My mortgage lender is charging me force placed insurance for the 2 months there was no homeowners insurance. I believe they are complying with the law as far as giving me notice about this. I failed to open my mail to see the nature of the penalties.

This complaint is about egregious insurance rates that I am being charged. My current homeowner 's insurance is $ XXXX/year ( $ XXXX/month ). Planet Home is charging me {$4700.00} for 2 months. I have read that this type of insurance can be 2-10 times more than insurance that I would by myself. This is 65 times more! I am willing to pay a fine for failing to understand that I was required to have insurance. As of this date, Planet Home is taking advantage of the law that has no restriction on what a forced lending rate should be.
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXXXXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (FL)

XXXX XXXX COMPANY IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Consumer complaint received 2018-04-10
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: Convergent Resources, Inc. (IA)

1 ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXXthru XX/XX/XXXX timeframe.

2 ) The address provided to and reported by XXXX   is one that XXXX XXXX  has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX  and Convergent failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX XXXX Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX and Convergent to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved.

It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Consumer complaint received 2018-04-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a checking account with BANK OF AMERICA I lost my card somebody unauthorized use around {$960.00} dollars from my account i make a claim I receive a notice indicating that the claim has been closed and that they dont found any errors ... I demand to receive any documentation that shows that this claim has been investigated the right way, pictures, cameras videos that shows who ever did this transactions I never authorize nobody to use the account and i never did this transactions..when a consumer open a new account by Bank of America , Bank of America 0 liability for unauthorized account promises and ensures that all consumers have 0 liability for unauthorized transactions and this transactions have been unauthorized and also who ever make this transactions has enter a invalid pin for 2 times as customer service representative just told me I demand to been provided with videos, pictures and invalid pin enter statement other wise charges to this bank will be made by the Nj division on civil rights and other consumer agencies relates I also would like to get this complaint public to other consumers and advise them about misleading ads that Bank of America is using to cheat consumers ... Zero Liability protection disclosures state if your credit or debit card is lost or stolen and you report the loss promptly you may not be responsible for fraudulent purchases made with your card
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

From XX/XX/XXXX to XX/XX/XXXX I was unemployed and collecting unemployment benefits from XXXX. During this time, my loans with Navient were supposed to be in deferment. Due to an error on Navient 's part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses. 

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. 

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

FromXX/XX/XXXXtoXX/XX/XXXX I was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX XXXX part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX  to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called Bank Of America because I went to XXXX and they had told me the charge didn't go through and my charge still went through. I called / went to XXXX XXXX XXXX  and they couldn't help me. I called and filed a chargeback through Bank Of America over this situation and they got back to me with a denied chargeback. I then sent in much more documentation with a clear explanation of what happened and a signed letter in time for them to continue my dispute. It got denied a secondary time with Bank Of America after I sent them those documents because they claim I need a credit receipt. I spoke with XXXX   and they told me that it didn't matter if it was face to face or online, the merchant must say something like all sales are final. This merchant told me after the fact that all sales were final on alcohol and they couldn't take it back. This was never disclosed and the merchant failed to prove it was disclosed. As per XXXX   chargeback guidelines, " The merchant failed to disclose its refund policy at the time of the transaction and is unwilling to accept a return or cancellation of goods or services ''. Which this is true and Proof of an improperly disclosed in-store receipt. Bank Of America has the improperly disclosed receipt in their posession and it is clearly not signed either. All merchants make you sign for transactions over 100 dollars in person. The XXXX guideline also reads " Merchants that are unwilling to accept buyers remorse returns and cancellations or that want to have special terms including ( but not limited to ) restocking fees or in-store credits, must disclose these terms at the time of the transaction. The cardholder must be informed of the refund policy prior to completion of the transaction at the point of interaction. Failure to disclose a refund policy will result in the merchants requirement to accept the goods for return and issue a credit '' This is also true,
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This complaint is against XXXX.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using UCC 1-308, I never used the card when I received it, I don't remember my wet signature on any of their documents, XXXX  never loaned me any money or legal tender, I didn't authorize XXXX to access my credit report, I don't understand how I'm liable for any debt with XXXX. Under the law, only Congress can issue legal tender, and HJR 192 relieved me from debt, since it's public.
Consumer complaint received 2018-04-10
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. (GA)

This complaint is against XXXX.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using XXXX XXXX, I never used the card when I received it, I don't remember my wet signature on any of their documents, XXXX never loaned me any money or legal tender, I didn't authorize XXXX to access my credit report, I don't understand how I'm liable for any debt with XXXX. Under the law, only XXXX can issue legal tender, and XXXX  XXXX relieved me from debt, since it's public.
Consumer complaint received 2018-04-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (WI)

Something doesnt seem right about the way my student loan has been handled. I borrowed {$1800.00} and have repaid {$1800.00}. I have called multiple times to settle the balance of late fees and interest. I was told that I could settle the balance for {$400.00} and then told I still owed {$1000.00}. I have made multiple attempts to work with Wells Fargo and feel that they have been inconsistent, deceptive and dishonest.
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (OH)

I was charged for multiplXXXX XXXX  transactions I didn't authorize nor initiate. I filed a dispute. It was denied. I filed an appel and provided answers to their questions regarding my stolen phone and wallet. My appeal was denied due to " charges match spending habit and charges requirf verification and verification was provided ''. I contacted XXXX who confirmed the charges were automatic to my payment method and authorization nor verificarion was provided.
Consumer complaint received 2018-04-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION (FL)

In XX/XX/XXXX I spoke to XXXX XXXX from Waterstone Mortgages about getting a loan to refinance my properties. 

Waterstone Mortgage - XXXX XXXX | Senior Mortgage Advisor | NMLS # XXXX | WaterstoneMortgage.com XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX MOBILE XXXX FAX I had a decent credit score and he told me it looks I could get a XXXX loan. 
He pulled my credit. 
I explained to him everything, sent him my tax returns and balance sheets as I'm a XXXX XXXX XXXX. He said the way to go was XXXX. 
He told me to wait till XX/XX/XXXX that I get my XX/XX/XXXX tax return and that then he could get me 10 XXXX loans to refi my properties that had hard money loans on them. 
I believed him and waited. 
On XX/XX/XXXX he had me appraise my house and it cost me {$500.00} for an approved XXXX appraiser. 
On XX/XX/XXXX he tells me " go at XXXX XXXX at the IRS and have the tax return stamped and I can get your mortgage approved righyt away ... '' so I went as asked at XXXX XXXX to deposit my tax return and get the stamped copy ... 
One of my lenders to whom I explained XXXX XXXX 's promises believed me/him and comited to lend the money I was going to get back ... 
On the XX/XX/XXXX things were stalling and my investor started to get worried as his other client comitted and XXXX XXXX was showing signs of incompetence ... 
All at once he told me middle of XX/XX/XXXX " you can't have a XX/XX/XXXX because you have more than 10 loans. You need a conventional loan. My underwriter is away for a week then she'll decide ''. 
After a week he said, wait next week we will know for sure. 
Then he didn't answer my calls or return them. My lender had to rush get a heloc on his house so his other client wouldn't loose his down payment. 
I got upset yesterday and called his boss. She never returned my calls neither. I finally got her today and she said I didn't want to do business with them ...! 
I pulled my credit. For nothing I paid for an appraisal. For nothing I got my lender upset. For nothing He can't say I hid anything because he had my tax returns balance sheets, etc ... He's either incompetent or jealous I'm well off and was just playing games and making me waste my time. His boss sided with him without analyzing that I was taken for a ride by this ignorant guy. He should have known that XXXX was not for me and direct me in another direction immediately and not make me waste 7 months of high interests, {$500.00} useless appraisal, pulling my credit, etc ... and then acting like I'm a lunatic who changed his mind. 
This is not a way to treat a consumer. No? 
Thank you for taking the time of reading me XXXX XXXX XXXX
Consumer complaint received 2021-07-15
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: OneMain Finance Corporation (NJ)

My rights have been violated due to their negligence and non compliance with federal law. There was no authorization given verbal or written given consent to release any information on my behalf.I am willing to settle this matter without any admitted liability. I am demanding compensation for each one of these violations and I am demanding a deletion from all consumer reporting agencies.
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing this due to non-compliance with the Transunion, XXXX and XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law The accounts have remained after 4 attempts to contact them. When I call they say they dont get my letters. 

They have not validated anything.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank closed both of my credit cards with no notice and confiscated my Thank you points. They claim the reason was due to security risk. I have never been late with any payments. Always paid in full. No blemishes on my credit report, XXXX fico.
Consumer complaint received 2021-07-14
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. (ND)

XXXX XXXX, XXXX XXXX, XXXX XXXX ( not I repeat not no my biological father-birth certificate-it 's fraud-two different ages-do n't know who this person is-why do I have to answer security questions in order to pass a security credit report question??? ), XXXX or I have no idea who these people. I have to keep answering questions from companies in order to pass a security credit report question. I reported, have tried to fix this problem. No a clue who these people are on my credit report. How can I answer questions about people I do not know, never. I did not grow up with them, don't know them. I am constantly reporting names I do not recognize-XXXX. No I grew up in XXXX my whole life or XXXX XXXX. Never before XXXX did I have to answer questions about these people before. Why all of a sudden within the past couple of years for people who's personal info I do not know. 
Including XXXX XXXX XXXX is not my address in XXXX XXXX tried reporting but for XXXX to XXXX that is reported as an address. I am constantly reporting names, Addresses, places I never live, including someone with my identity using my name altered. That is truly weird for the past few years reporting names that never had to be answered before, all of sudden then in XXXX all this weird ( me the victim ) exhausting myself trying to report again, again to authorities.
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC (OR)

Respected Sir/Madam, Below was the situation I'm forced into during the Mortage Closing by " Keller Mortgage LLC ''. 

I've started my home mortgage loan application with Keller on XX/XX/2020 and the initial Mortgage Insurance ( MI ) amount was quote as {$110.00}. 

Later, we have scheduled the closing and title transfer on XX/XX/2020 at XXXX XXXX PST. The Keller Mortgage sent the Closing Disclosure ( CD ) on XX/XX/2020 and the mortgage insurance mentioned as {$110.00}. 

On XX/XX/2020 at XXXX XXXX  PST, Keller Mortgage issued an update to the CD with a mortgage insurance increase of {$120.00}. 

There's a difference in the MI that I've noticed at the title office while reviving the documents. As per the title officer, I need to sign the document right now to get the loan and talk to the mortgage company later to resolve the same. I don't have the time to resolve the issue at the title office hence I've been forced to sign the documents. 

After coming home, I've contacted the loan officer and his supervisor regarding the increase in the MI but after a couple of days of conversation, I was told that the loan has been closed and there will no changes anymore. 

I really felt frustrated and helpless due to the loan officers ' mistake and how they handled the situation. 

Please let me know if you need any further documents. 

Thanks, XXXX