davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-10
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: Santander Consumer USA Holdings Inc. (LA)

I completed my loan agreement with Santander Consumer USA back in XX/XX/XXXX with a “XXXX” balance on the account as well as title in hand for my XX/XX/XXXX XXXX XXXX. In return Santander reported my account stating that the Payment was made after charge off which was not true at all. I have made several attempts with no avail to get the derogatory mark off my report but I either get hang up on by a agent after explaining the problem or told no changes can be made and will stay on report for seven years. I really feel like I’m being punished for something that shouldn’t be because the account was paid to term with a balance of XXXX.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (WA)

On XX/XX/18 I did a balance transfer with them and they did a double transfer on two of my credit cards that I wanted paid off. This has been over a month ago now and not resolved. I talked to a manager in late XXXX and she assured me it would be fixed in 2 weeks. Never happened. Talked to another manager in XXXX she assured me it would be fixed and she would call me back in 24-48 hours. Never happened and she never called back. Talked to another manager in XXXX and he said it takes 30 days to fix. Again, that never happened. Filed a XXXX complaint and was contacted by XXXX but I wasn't available to talk to her so she left her name and number. I called her back yesterday and today and left messages to call back and that never happened. Meanwhile the credit card that I have with them is over the limit and I'm sure will be reported and my credit score will be destroyed. On top of that the minimum payment that I was supposed to pay is much more than I would have to pay because of this mistake. Needless to say this is all very frustrating and I need help quickly before my payment is due on the 16th if at all possible. Thank you.
Consumer complaint received 2019-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Credit & Finance, Inc. (NC)

XXXX called XX/XX/19at XXXX XXXX. began questioning me about why I got behind on payments on a dept to XXXX XXXX XXXX.   She never asked any verification questions to find out if I was the correct person. My number has been on the do not call list for over 10 years. How can this company be allowed to fish the internet for a phone number for another person with my same first and last name, and call the number if it is no the donotcall list? What is the purpose of the donotcall list if it doesn't prevent debt collectors from hassling me because I have the same name as someone else? XXXX help those named XXXX XXXX. Please find a way to stop these companies from calling my number just because they can find it online and I have the same name as a debtor. Company is Atlantic Credit and Finance, XXXX XXXX XXXX XXXX  VA XXXX
Consumer complaint received 2018-09-25
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. (IL)

I have contact all three major bureaus regarding public record reporting invalidly they refuse to properly investigate and remove invalid account from report. Chapter XXXX Bankruptcy has wrong reference/ case number, filing date, liability amount. Liability/asset amount not XXXX, did not file XX/XX/XXXX or XX/XX/XXXX. Also based off new public record law XX/XX/XXXX " All Account invalidly reporting will be removed ''. been trying to get this item removed for 2 years now
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Mortgage was released from a Chapter XXXX bankruptcy in XX/XX/2018. Arrears during the bankruptcy process {$22000.00} were paid on XX/XX/2018. Ocwen assessed on XX/XX/2018 billing statement {$1300.00} for foreclosure fees. XXXX XXXX Florida has no record of any foreclosure filing.
Consumer complaint received 2018-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VA)

XXXX XXXX is actively pursuing this a debt in violation of the FDCPA ( while an investigation is in progress ). This account is showing as derogatory information on my credit reports. Moreover, the date the account was opened has been re-aged ( XX/XX/2016 ) ; there is also a discrepancy in the amount ( {$840.00} ). Finally, XXXX XXXX is fraudulently misrepresenting themselves to be the " assignee '' of SYNCHRONY BANK, when in fact they are just debt buyers.
Consumer complaint received 2019-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings (NY)

There's 2 issues, Privacy and Interest/fees. 

I took out a loan for {$1500.00} ( possibly went up to {$1800.00} ), and I somehow now owe collections ( on my credit report ) {$2300.00} for Speedycash. They started taking out {$500.00} payments every two weeks, and I'm sure I paid over {$4000.00} in payments to them over the course of months, maybe even more. How can I owe {$4000.00} + {$2300.00} for a {$1800.00} loan?! I guess I didn't understand the paperwork but this ruined months of my life and forced me to take out another payday/installment loan with someone else to pay my rent. And of course that snowballed into a disaster. 
One point it got so bad I had to put a stop payment on an autopayment from them to pay my rent and they somehow got my debit card number ( I never gave it to them ) and made a payment to them on that. I think you can see in my emails attached I filed a Fraud report. I definitely filed one with XXXX XXXX. Now all of that was sent off to collections and I still owe them money somehow. So depressing. 

Now I can't get apartment because my credit score is too low and this is the only bad thing on there except for {$270.00} for my old cable box I think? 

Please help me figure out how to settle with them without paying them even more money. I feel so taken advantage of.
Consumer complaint received 2018-09-24
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. (SC)

I have reported to this company that they have my information mixed with someone else. I have sent over proof identity theft to this company. This company has removed their name from my XXXX   account after I disputed with them through XXXX, and left the fraudulent reports on my Transunion and XXXX accounts. I am willing to file a lawsuit against this company! I want to be treated equally as all Americans. I lost my father and Im trying to get his house thats up for sale done its been repossessed. This company is blocking me from my right to fair credit reporting. Ive spoken to a lady name XXXX who was rude on the phone saying you people always want to complain and she hung up! Ive never been treated like this in my life. Please have this company remove the fraudulent report from my credit report and charge whom ever you have an account with. Im at a lost for word with this bank. I will file a lawsuit against them and if Im not able to get the house that my father had, they better be willing to pay for my Discrimination Attorney!
Consumer complaint received 2019-01-10
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. (CA)

I filed bankruptcy in XX/XX/2016. I've worked hard paying everything on time since then. XXXX   and XXXX are reporting my credit accurately with scores over 715. Experian had me at XXXX. I've disputed this with experian and they only removed 1 thing from my report. My score is still too low to get any credit or even get on a lease for am apartment. I know they use different metrics but a 200 point difference isn't right. Experian needs to address this fairly. All my negative marks should be removed. That's what bankruptcy does
Consumer complaint received 2019-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MO)

I applied for the Citi AAdvantage Platinum Select card through the XXXX XXXX website because they offered a {$250.00} statement credit on XXXX XXXX purchases if approved for card when applying on XXXX XXXX website. I called Citi bank on XX/XX/XXXX to see if I will get the credit before I booked a {$270.00} flight with the card. The representative said she put in a request for me to get the credit and it was a guarantee that I would get the {$250.00} credit and it will show up on my bill before my first payment was due ( XX/XX/XXXX ). Because the representative said I would get the {$250.00} credit, I booked the flight shortly after our conversation. Since then, I have spoken to numerous representatives from Citi on the phone and received 2 letters in the mail saying my account is in fact, NOT eligible for the {$250.00} credit. Now that my credit card bill is due 2 days from now ( on XX/XX/XXXX ), I am paying {$250.00} more than I was expecting to pay because of the misinformation given to me. My buying the flight was contingent on getting a {$250.00} statement credit so had the representative told me the correct information in the first place that I was not eligible or that it was just a possibility, I would have done something different with my money when buying the flight and in the mean time. Now, I have a bill that I was not expecting to pay and can not afford because I was told I would absolutely, 100 % get the credit. I have spoken to many people from Citi and XXXX XXXX about this and they have not helped me. The representative from XXXX XXXX said that because I was told I would get the credit, they would honor what they said and give it to me and I still have been denied it. I am very unhappy that I was told the wrong information and now I have to pay a very large bill because of the employees at Citi.
Consumer complaint received 2018-09-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

I was given a payday loan for XXXX $ they initially said I could have XXXX $ but I had to refinance on the speedy cash app for the additional XXXX $? which at first there was no way in app to refinance but later it appeared. 

After that I was charged a cab fee for XXXX $ which was paid by XX/XX/2018 total amount due XXXX $ subtracted XXXX $ which was XXXX $ and XXXX $ fee was due by XX/XX/2018 on XXXX XXXX. 

So, I called them a few days later today because there was another cab fee for XXXX $ added to the total amount due XXXX $ wich is two weeks early! I told the customer service on the phone to reduce the total XXXX $ to XXXX $ so I can pay it when I get paid. 

She wouldnt listen and did not agree to take off the fee! And then I said you are ripping me off and that I was filing a complaint. 
And I hung up.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

There were several attempts from the creditor to have me apply for additional money, without indicating how much would be allowed to me and why I was denied. This was a request from both XXXX XXXX XXXX and the XXXX XXXX XXXX  for a XXXX XXXX loan. I was denied without a reason for the denial and the request hit my credit report more than 3 times. I was also advised to submit a XXXX twice, without having an approved credit line. I would like this malicious account removed as I was not advised that this would be considered a hard inquiry to negatively impact my score whether approved or denied.
Consumer complaint received 2019-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I did a balance transfer from my CAP ONE account to my XXXX ion the amount of {$1700.00} in XX/XX/2018. There was an issue of some sort in payment processing which resulted in a supposed returned check payment on CapOne 's side, but XXXX  does not believe that to be the case. So now I have a {$1700.00} balance on my CapONE card and my XXXX. I am paying CapOne {$1700.00} that I technically do not owe because this card should be at a XXXX   balance. XXXX  has escalated the issue on their end, but they are telling me they have had no luck with a response from CAPone. They have tried reaching out to CapOne via email, and through regular mail. CapOne has been no help whatsoever and this causing a great deal of stress now, because I take care of my credit.
Consumer complaint received 2019-01-12
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. (FL)

The identity theft inquiries still on my credit report. XXXX has 2 XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX take off XXXX XXXX. XXXX told me it would take 90 days or less its passed that. Still on my report. XXXX  for no reason removed good standing auto loan. It is less than 7 years. No reason it went off. Why? Its not identity theft or fraud. Put it back.Take off inquiry from XXXX XXXX I never made this inquiry ether. I called XXXX about this auto loan taking off.

Bank told me its XXXX XXXX.

We report to all credit reports. 
If it goes off its XXXX XXXX fault!
Consumer complaint received 2019-01-10
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. (NY)

My mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to XXXX XXXX XXXX. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially reported as default by XXXX  XXXX XXXX in XXXX XXXX. The delinquent status on the mortgage account would have matured in XX/XX/XXXX, seven years has passed and this mortgage account is still being reported to Experian. XXXX XXXX XXXX has submitted fraudulent documents to Experian in the investigation of this mortgage account. Documents from XXXX  XXXX XXXX to contest XXXX XXXX XXXX will be submitted. 

Experian allegedly conducted an investigation with XXXX XXXX XXXX. Experian was reporting the account being as being charged off. I disputed this claim. I contacted the XXXX XXXX XXXX and did my own investigative due diligence and obtained an Obligation Summary letter on my account which actually had a credit of XXXX. Documents from XXXX XXXX XXXX to contest Experian credit reporting will be submitted.
Consumer complaint received 2019-01-12
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. (GA)

To whom it may concern : I have check my credit report and had found a delinquency on my XXXX card account which is in accurate, this is a alleged late payment on XXXX. 
As a consumer I have the right to request verification and/ or validation of this inaccurate reporting which is affecting my ability to obtain credit. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification. 
Under federal law you must provide : name, number, position occupide by the person how verified this late payment, failure to do this is a violation of federal law.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate .Myname is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I do not and have never lived at the mentioned addresses above.
Consumer complaint received 2024-09-04
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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2019-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a notice that I am being sued for debt collection by Portfolio Recovery Associates, LLC on a closed/and or charged off amount on a XXXX XXXX  ( XXXX ) credit card and must respond/appear in court in 19 days. I have been XXXX by a judge and only receive XXXX benefits and can not drive to appear in court, Account opened in XX/XX/2010, state of Texas, amount {$1600.00}. Any advice on this matter is appreciated,
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Select Portfolio Servicing Inc on behalf of XXXX XXXX- XXXX XXXX - XXXX Trust c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , DE, XXXX keep harassing me even though my mortgage is up to date. 
As of XX/XX/2018, the above entities bought my mortgage from XXXX XXXX XXXX  and has removed the mortgage payment from my checking as automatic withdrawals yet it keeps sending me letters stating that I owe a late fee for late payment. I have written t the company for clarification and since then have sent me multiple letters demanding I pay off my mortgage, multiple letters that make it seems that my mortgage is late ( including late fees ), and I am not capable of paying my mortgage, even though the funds are withdrawn directly from my checking account by SPS through Automatic drafts. I have received a total of 10 letters implying that I am having difficulty paying my mortgage and I have received 2 letters demanding I pay off my mortgage. Since this company is a debt collector, I am very concerned that erroneous information will be provided to anyone with whom this company shares information. 

1. This harassment is not appropriate. SPS is a debt collection agency and I want to know if either entity has the right to demand a payoff. 
2. since it is a debt collection agency, any documentation within its records can be shared. This is libelous and injurious to my credit worthiness and it appears to be a deliberate effort to sabotage any effort on my part to refinance with another mortgager. 

Today, I received a second note requesting a payoff of the mortgage. I have written to SPS and have not received a adequate response, yet I keep receiving notices that I owe late fees, that a payoff is required by XX/XX/2018 I do not trust these companies ; My mortgage is current and up to date. 

I truly believe this is how these two companies work to obtain high valued properties by creating false delinquency.
Consumer complaint received 2024-10-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to file a formal complaint against Bank of America regarding their denial of a loan application. 
I have been a loyal customer with the bank for over XXXX  years, maintaining a good credit standing with a score in the low XXXX. 
I also own XXXX homes, all financed through other banks, and I have credit cards with other institutions that offer me better limits than what Ive been granted by Bank of America. 
Despite my long-standing relationship with Bank of America XXXX XXXX have been denied multiple times for credit limit increases and other credit products. 
Most recently, on XX/XX/XXXX, I applied for a home equity line of credit ( HELOC ), but my application was denied based on an alleged issue with my income-to-debt ratio. 
I find this reasoning questionable given that other banks have extended credit to me without issue. 
On XX/XX/XXXX, prior to my HELOC application, I was denied a credit card limit increase ( denial letter attached ). On XX/XX/XXXX, Bank of America approved me for a car refinance loan, which I declined due to receiving a better rate from a different bank ( attached is the approval document from Bank of America ). Additionally, on XX/XX/XXXX, I was denied a HELOC with Bank of America, falsely citing the existence of a solar equipment lien on my mortgage, which was entirely Inaccurate.

I have escalated the issue internally within Bank of America, but after a quick review, I was still denied the loan with the same explanation.

I believe Bank of America is not following fair lending practices, and this has raised concerns that I may be facing discriminatory treatment. 
As a registered XXXX XXXX, I am aware of ongoing discussions around fair lending for XXXX entrepreneurs, and I believe that my case may fall under this umbrella of concern.

I am seeking CFPBs assistance in investigating this matter to determine whether Bank of America has violated any fair lending laws or engaged in discriminatory practices. 
I want to ensure that I am being evaluated fairly and according to my financial situation, without bias or undue obstacles.