davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-17
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. (IN)

In XX/XX/XXXX, I got an XXXX XXXX XXXX XXXX, through XXXX XXXX and was making my payments through them with little to no problems and then in the middle of XX/XX/XXXX, I stopped receiving statements or anything from them and never heard anything at all, Santander never even contacted me by phone or mail to let me know they were the new company, and when I talked to them once and from that moment forth it was a complete and total nightmare, in XX/XX/XXXX, I lost my job and was having a hard time trying to make it while trying to find another job, meanwhile Santander were relentless, constantly calling, and I told them my situation and they in turn allowed me to pay {$180.00} of a {$340.00} payment and told me that I would be okay, and I kept in contact and made my payments as was set up and then by XX/XX/XXXX, I had full-time hours again and was only one payment away from being completely caught up and with no notice XXXX XXXX came in the middle of the night while I was sleeping and took my car with all my belongings and tried to sell them back to me, and Santander calls me again with urgency like they cared so much, at first said that if I could pay {$400.00} I could have my car back, I said I could do that, but then it changed to me misunderstanding things, it is really {$1400.00}, which I did not have on hand, they sold the car for as cheap as they could {$500.00}, and left me with {$10000.00} to try to pay off, these people are so crooked and greedy, if they had answered their phone, talked to me, they would have known that I was one payment away, to allow me to pay half on my payment then take the car anyway, was just XXXX. And they still seem to think they are owed the world, and XXXX XXXX was just as bad, at least they could have given me a chance to get my things out of the car before they took it, the whole situation was crooked, I would NEVER do business with Santander again they are rotten Monetary Loss : {$10000.00}.
Consumer complaint received 2019-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (NJ)

I was not contacted by Commonwealth Finance on debts trying to collect. I just saw 7 different ones from the same company on my credit report. The following are the amounts {$560.00} {$840.00} {$840.00} {$520.00} {$1800.00} {$520.00} {$780.00} They are also all from the same original creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 

There are no original dates of services. So I do not know exactly what they are trying to collect on. I have NO idea what these charges are. But they are destroying my credit. Please any imformation to help me straiten this out is greatly appreciated. Thank you in advance.
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (NV)

I bank with Navy Federal credit Union, I have direct deposit. This bank without autoririze took my va deposit and made a payment without my autoririze. They have no right too take my money. What kind of bank automatic take a Payment without your permission ... Now if I went into any bank or company and take money without been authorize would be a crime. Big cooperation make their owned rules
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX )
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

I am writing to talk about the fact that Victoria 's secret has drop my credit score 29 points  all three of my credit bureaus are reporting that I am late with payments which I wasn't and then it's showing that they had closed my account then it was open last month and now I am paying on a {$300.00} credit originally I owe them about {$1200.00} between finance fees and late fees and I've paid the {$300.00} for the credit that I had used over twice already recently meaning XX/XX/2019 XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX my bank is overdrawn because they tried to take out {$20.00} which I made this agreement back in XX/XX/XXXX of this year to pay {$20.00} because I was in hardship and now they're drafting out my account 4 times for the same {$20.00} that I paid on XX/XX/XXXX this credit card company has really messed up my credit score it's been going up and down for the last couple of months out of work and actually paid off all my debt and this one credit card is the one that's tearing up my credit the moose was is dropping my score down 40 and 29 points and I can't get past this because right now I've worked on my credit so hard to buy a house I need some help and I would like to something to be done
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Ive been having trouble with NewRez for the last past 2 years now. Back when interest rates were 2 % I went through a refi process for months just to be given the run around. A few months ago I had requested to manage my escrow account & they requested proof of my insurance in order to relinquish it as well as a written request. I submitted both & received a letter stating that I couldnt manage my account because it hasnt been active for 12 months though Ive owned my home for nearly 6 years now. After giving up on that process I now am dealing with PMI issues. Before my payment on XX/XX/XXXX I had called to verify that if I made an additional payment of $ XXXX onto just my principal ( which will give me above 20 % equity ) would PMI automatically be removed. The agent confirmed that it would so i proceeded with the payment just to see PMI still being charged to my account. I called again on XX/XX/10 & this agent stated that I needed to submit a request in order to remove PMI & that she would process that for me. While on the phone with her, I also addressed that I received a letter in the mail stating that if I dont provide proof of insurance one will be provided & charged at my expense. As stated above, I provided that when trying to get control of my escrow! She was able to provide me with the information needed to navigate but in all honesty Im tired of battling this company. NewRez agents in the past had no idea what they were doing or talking about & are trying to extract every XXXX out of me. Every time I try to save money or move in a direction thats in my benefit, they hinder me in order to continue to steal from me. Im aggressively trying to pay off my loan to escape this dumpster fire of a company.
Consumer complaint received 2023-05-12
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2019-12-11
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. (MI)

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The bank sent me a new credit card after the old one had expired. The new credit card had been issued with a new number and new expiration date. I did not activate the new card and I was under the assumption that by NOT activating the new card it would not be charged with any recurring charges. I never authorized recurring charges on the new card. Somehow the un-activated new card was being used for recurring charges on this account. I previously received monthly paper statements in the mail however when the new card was issued the mailing address was printed incorrectly so I never received the new statements. I never became aware that this account was ( 1 ) being charged, and ( 2 ) that there were late payments being reported until I obtained a copy of my credit report. After this discovery, I immediately called the bank and paid the account off. There is no outstanding balance due on this account and this account needs to report a {$0.00} balance. Because the late payments that are being reported is through no fault of my own, I request these be removed immediately. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2019-08-17
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. (NV)

My name is XXXX XXXX XXXX, I have contacted by certified mail each credit bureau as well as the collection agency to only have a failed attempt. My information and one of a XXXX XXXX XXXX have somehow merged. I have provided sufficient information to everyone to only get back send verification. When I ask for verification of these accounts they send to my address XXXX XXXX XXXX information. I know this must violate some privacy laws. If Im receiving her information she might also be receiving mine. My credit score has dropped from a XXXX to a XXXX due to her information being put on my reports. I also have accounts that are not even showing on my reports. I have exhausted all options. So Im not here. Please fix this issue. When my credit is ran they come back with her scores and information. Please Help.
Consumer complaint received 2019-08-17
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. (NV)

My name is XXXX  XXXX XXXX, I have contacted by certified mail each credit bureau as well as the collection agency to only have a failed attempt. My information and one of a XXXX  XXXX XXXX have somehow merged. I have provided sufficient information to everyone to only get back send verification. When I ask for verification of these accounts they send to my address XXXX XXXX XXXX information. I know this must violate some privacy laws.  If I’m receiving her information she might also be receiving mine.  My credit score has dropped from a XXXX   to a XXXX due to her information being put on my reports. I also have accounts that are not even showing on my reports. I have exhausted all options. So I’m not here. Please fix this issue. When my credit is ran they come back with her scores and information. Please Help.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (TX)

My wife & I had 2 of our homes destroyed in Hurricane Harvey and we both had to take off of work multiple weeks in order to assess the damage and figure out where to go from there. Consequently, we contacted Upstart to ask for a loan extension to move the next 2 payments to the end of our loan. Upstart has offered this service to victims of the California wildfires, but were callous when offering something to Harvey victims. They agreed to reduce our next 2 payments to ~$180/month (from $XXXX), but then our remaining payments would be $XXXX, which didn’t make sense when factoring out how much more we would be paying. Upstart also explicitly stated that these two payments WOULD NOT BE REPORTED AS LATE ON OUR CREDIT. However, Upstart began reporting late payments that same month and everything went down hill from there. The reporting of our payments are incorrect, one payment is missing entirely, we currently show as being 90 days past due two separate times now, etc etc. I was quite furious about this matter, so I acted accordingly and created multiple social media accounts & a website that gained traction rather quickly. I was subsequently contacted by an Upstart attorney who then offered me $XXXX to settle the social media & website matter and to turn over all websites and media accounts to Upstart; I agreed with a couple caveats - the main caveat being that they must follow up on our account and correct the multiple erroneous late payments on our account. However, I was never contacted again about our credit report and had to initiate contact with their attorney again before getting any response, but still nothing was done. Because of their errors and egregious inaction, this has destroyed our once perfect credit and has cost us thousands of dollars in additional interest paid in new credit accounts; We have also had 2 credit card accounts cancelled because of these ridiculous errors, which collectively had over $32,000 in available credit at the time of closing. I have recorded calls, emails, and a legally binding contract that all corroborate what I’m stating in this complaint.
Consumer complaint received 2019-12-11
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. (GA)

I have been asking Equifax to provide Proof of Validation for 3 accounts in collections on my credit report. I sent my initial validation request to them to them in XX/XX/2019 certified mail and received a response back from them dated XX/XX/2019 that the 3 item on my collection report were validated ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). I then sent a XXXX XXXXquest Proof of Validation Letter on XX/XX/2019 to Equifax and received a response dated XX/XX/2019 the same exact letter from the XXXX response ( another Oscar letter ). I then on XX/XX/2019 sent Equifax another certified letter of Proof of Validation and Pending Complaint Filing letter in which I received a response dated XX/XX/2019 again the same Oscar letter they sent the two previous times. I then on XX/XX/2019, sent another certified letter to Equifax requesting a Credit Bureau Verification Procedure Request and received a response dated XX/XX/2019 that they were valid and that they would no longer investigate. The letter also was the same Oscar letter i have been receiving from them. Equifax has not been thoroughly been investigating these collections and instead just allow Oscar to generate responses.
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I've been contacting MrCooper to get my check reissued for over a year, and nothing was done. Check # XXXX for {$1700.00} was expired and needed to be reissued since XXXX, but I still don't have my check. I've contacted them again, and they said they did put a stop payment on check XXXX and sent out another check. Still, I've never received it. I contacted them again, and they said they'd put a stop payment on check # XXXX, and another check was on the way. Here we're in XXXX, and still, no check received. I've contacted again, and now they're saying, " our records show that there are no checks to be reissued. '' They're completely lost there.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I have American Express Platinum credit card. This XX/XX/XXXX, American Express representative put an retention offer to my card without my request or permission at all. Then yesterday I called Americas Express to request a retention offer, because all my friends with American Express Platinum card have recently received a retention offer of either $XXXX statement credit or XXXX membership rewards points without any purchase requirement. However, very surprisingly I was told that I am not qualified for this retention offer because I was given a retention offer in XX/XX/XXXX. However, I never requested or accepted a retention offer in XX/XX/XXXX.Apparently American Express customer service representative put an offer in my account in XX/XX/XXXX but this offer never became effective. However, now I was incorrectly declined by American Express for the currently available retention offer that every other customer is getting from American Express. It is totally unfair to me. I feel that American Express put a trap in my card and use it as an excuse to decline the retention offer that is common available to every single card holder now.I request American Express to honor the current retention offer of either $XXXX  credit or XXXX   membership rewards points immediately.
Consumer complaint received 2019-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I have been on Medicaid for years and I have been receiving a collection for a er ems transport service I havent been to the hospital since XX/XX/2017 and I have a collection agency trying to collect from me at the Same time I have been informed that my personal sensitive information including my medical records and information has been compromised and I have been reported as a true victim of identity theft and name fraud. XXXX XXXX XXXX XXXX and XXXX credit report agency have my information as being compromised to which it has caused me to be directly impacted by the Data breach from both Credit agencies and I have never been charged for a ems transport service from my medical insurance company. I have to say that I hope that being my information is compromised and I have been a victim of identity theft and name fraud due to the fact that the Data Breaches have me finding a new origin of Some type of collection agency trying to charge me for the debt that I have not obtained myself. I am sure that with the details from this information with the process to get my identity restored should be a source to be easily verified and we can make a decision in regards to the situation regarding my circumstances with my personal sensitive information and my medical records and information being compromised by the Data Breaches from two separate credit report agencies, should be a source to reach the proper resolution to this matter and I look forward to seeing the new collection of debt being removed from my credit report and I hope it will be rather sooner than later so we can get this matter of unfortunate events resolved in a timely manner and I appreciate your time and consideration in this matter.
Consumer complaint received 2019-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I opened a new Chase Checking + Savings on XX/XX/2019 by using a promotion code provided Chase's website - XXXX?XXXXBy fulfilling the terms of service, I was expecting $XXXX as stated on their own website. "Enjoy up to $600Get $300 with a new checking account and another $200 with a new savings account with qualifying activities. Plus get an extra $100 bonus when you do both!"Now, Chase is reneging on the offer stating that a promotion code was never applied to my account and therefore, I am ineligible for the promotion.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

OnXX/XX/2019 I made an online payment of XXXX on a Visa card issued by Bank of America that posted on XX/XX/2019. This paid off the entire balance and was 5 days before the closing date for the account. I was under the assumption that since the total balance the closing date that there would not be any additional interest charged. On XX/XX/2019I received an Email indicating that I owed a payment of XXXX. On logging into the account i discovered that they had charged XXXX in interest after the account was paid in full. I believe that there 1. There should not have been any interest charged and 2. That even if they did have the right to charge interest, the payment of XXXX on a new balance of XXXX is excessive. Account # XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-12-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

The company Bank of America offered me to apply for a new modification program in XX/XX/2012. Which I will receive significant principal reduction and would reduce my monthly payment up to 35 per cent. When I accepted the offer I didn't hear back from Bank of America. However, doing my inquiry about the reduction, I was told it would show up at the end of the loan. When I requested paperwork to show these modification 's. The bank is now saying the modification 's isn't there. I said that l don't understand. Now Bank of America is stating it's to late for the modification. I feel that I have been taken advantage of and wasn't ensure fair treatment. Now all I'm getting is the run-around, costly surprises from by servicers. Bank of America should have told me about my options and given me time to apply and be still considered for loan modifications under the same guidelines and better alternatives. Immediately.
Consumer complaint received 2023-04-25
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: CREDIT ACCEPTANCE CORPORATION (VA)

In accordance with the fair reporting act this creditor has violated my rights. 
Under 15USC 1681 sec. 602 states i have the right to privacy.

Under 15USC 1681 604a sec 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under15USC 1666B a creditor may not treat a payment on an account under an open consumer credit plan late for any purpose.