davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC. (LA)

XX/XX/XXXX I contacted dealership out of state NJ ( XXXX  XXXX XXXX ) about memorial day sales. Car was priced at {$17000.00}. Told them I've been denied for loans and trying to get 2 year term. They asked how much do I plan on putting down & I said half. Few hours later told me he got it approved just waiting on stipulations. 
XX/XX/XXXX made the down payment of {$8500.00} & {$600.00} for insurance XX/XX/XXXX I paid {$1000.00} for a transporting service. 
XXXX I've been trying to make contact for days. They told me since I sent the money that finance will contact me.finally received response asking for insurance address.i sent them all insurance information on XX/XX/XXXX. Told them you've had my money this whole time and you still haven't had finance call me or terms set. I immediately told them to send my money back.i asked them NUMEROUS times and no response. I then told them this has become a legal issue and contact my attorney and gave them name & number of attorney. 
XXXX I received a call asking what day is your transport. I got irate and told them in a few hours.my transport service said they been contacting dealership and dealership won't release them the car. Days later they Said we're overnight you paperwork with an overnight label. Just hurry feel them out so we can release car to transport. I instantly got a cab when paperwork showed up.i opened envelope at XXXX XXXX. I had cab outside waiting.i opened up envelope and price isn't what I purchased at. It says {$25000.00} on this paper you sent with charges like {$1700.00} for lost keys etc. he said no that's just was sticker price. The other forms are you agreeing to release car and that I sent proof of insurance.I feeled the paperwork with dealership on phone. Mailed envelope.days later I asked again for terms and copy of contract. I received personal injury month of XXXX and due to my XXXX I can't have over {$2000.00} in my account. One of the main reasons I kept requesting my money back. 
XX/XX/XXXX I received car. When my first payment came it had different price on the loan and I never knew name of lenders or interest rates. Dealership literally got upset and said they would beat me up if I was in that state. Kept calling and calling about price & 27.9 percent Apr & {$33000.00} in interest. Last time I had spoke with them the dealership said stop calling.Person I spoke with said, I'm going to keep it real, you got, got & what is done is done & hung up.attorney said it seems they had you sign them power attorney and that you can't dispute any legal actions. I'm in a huge bind & was told it's best to contact you as wel please help in any way possible. That same dealership has sold 2 more cars since then with exact same photos & price.
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

One of our accounts with portfolio recovery was already closed in our favor for fraud we sent in all the things and while we were doing that we found out there is another case that they have They said that we would have to contact the lawyers office that represents them and when I did, the lawyers office was rude and noncompliant XXXX XXXX XXXX im not sure when this went into effect its synchrony bank. I dont know the amount.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MN)

By law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete.

looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states XXXX, XXXX and XXXX must delete these items from Credit report immediately. 
Thanks
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (LA)

This dispute concerns the late fees and interest charges to my Comenity credit card following the payoff of the balance on my card. I paid off a {$3000.00} balance on my Comenity card in XX/XX/XXXX. I receive electronic statements on this account and since I had paid off the account, I wasn't monitoring email but started getting calls from Comenity. I realized that there was a residual interest charge on the account of {$24.00} and paid that amount on XX/XX/XXXX. I sent a message to Comenity at that time requesting that the late fee and finance charges be reversed since the account was paid off. On XX/XX/XXXX, I checked my Comenity account and my account balance is {$68.00}, not {$0.00} that I expected! I reviewed the transactions and found that Comenity had reversed {$15.00} on the late fee but then went on to charge me a {$40.00} late fee and recharged me the {$15.00} late fee they had reversed in addition to more finance fees. I called Comenity and explained what happened and requested that the late fees and interest charges be reversed as I had paid off the account along with the residual interest. The agent I spoke to refused to reverse the fees so I requested to speak to a manager and after explaining everything again, he also refused to reverse the fees. He even made a rather snide comment that " everyone knows about residual interest '' which I was not disputing but just didn't realize that it was charged or I would have paid it on time. The handling of this complaint by Comenity customer service reps was very poor to a long term customer and this fee practice exhibits such predatory behavior on Comenity 's part. I've had this account since XXXX or earlier when it was XXXX XXXX account but that's about to end. It's a gotcha kind of thing when they charge a late fee and then reverse a portion of the fee so that they can slap you again with a late fee because you didn't pay the late fee that you thought was reversed!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX. 
Please delete the following accounts. 
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 CITI XXXX. {$270.00} 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
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

On XX/XX/year>, I got a new card and activated it. It worked for a couple of times and then completely stopped working. I had to use the old card and that worked one time. Now neither work. I use the card a lot and now have no access to it with no real explanation as to why. I'm told I'll receive a call or be sent something but I'm doubtful that'll happen and want to make sure it will and soon.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

Marcus by Goldman Sachs opened a GM reward card in my name with my business address without my permission or knowledge. I only know this happened because I received an account statement for {$0.00} at my office. At no point did I apply for or request any such credit card. I then called to attempt to close the account, but they refused to even look up the account without me providing date of birth and SSN. I was unwilling to provide this sensitive information to a company that had already opened a fraudulent account in my name. They would not at that point do anything to resolve this issue. I offered to provide all of the information on the statement ( name, address and last 4 of the card number ), but they would not accept that information to look up or close the account.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (HI)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : 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
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/year> XXXX XXXX XXXX collections account was removed from my XXXX credit report. On XX/XX/year> XXXX XXXX XXXX collections account was removed from my XXXX credit report. 

XXXX & XXXX sent a deletion request to all three credit bureaus why is this still on my equifax report I have attached photos from my XXXX and XXXX showing the deletion
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner.

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Opportunity Financial, LLC (TX)

This account has been showing on my credit report for over a year and I have been requesting information on who applied for account phone number, payments made, payments schedule, contract, names on account. I have not received one response from them. I started disputing with bureaus and they continue to show verified. When asking for proof and documentation I have not received from company or bureaus. 
This process has been stressful with no help of getting a resolution. I will be contacting the XXXX  and will be looking into legal help. I have tried to do everything in order to clear my name. Not one time have I received a notice or call from this company about any sort of payment, nor do I show them on my bank statements at any time.
Consumer complaint received 2024-10-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

We have tried numerous times to remove cosigners and have been informed that the amount that will be required would be for closing costs. This is not a purchase, only an assumption of the loan. They are requesting costs that they say are closing costs however they are state excise taxes.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC (NV)

In addition to complaint ID XXXX - XXXX, of which you closed without even verifying anything with me first. 

This company has now sent me XXXX statements for XXXX mortgage payment. One owed to them on XX/XX/year> in the amount of {$2600.00}, and now since submitting a complaint to your organization, I have a second mortgage statement showing the last day to pay Flagstar is XX/XX/year>, as my loan has been transferred to another company named as XXXX XXXX ALSO effective XX/XX/year>. This now makes XXXX different mortgage companies in 15 months, and as you already know from my previous complaint also XXXX different mortgage payments. I have NEVER seen so much activity on XXXX loan IN MY LIFE! Especially a 30 year fixed conventional. This much activity on XXXX loan is outrageous but more importantly selling me off for submitting a complaint is absurd. 

SO YOU TELL ME WHATS GOING ON HERE AS I HAVE TWO SETS OF INSTRUCTIONS FROM FLAGSTAR FOR XXXX MORTGAGE PAYMENT WHICH WAS ALREADY IN DISPUTE. 

AND DONT CLOSE THIS CLAIM WITHOUT VERIFYING WITH ME FIRST! I INITIATED ASSISTANCE, NOT THEM!
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IL)

I had the mortgage hazard insurance for my new home from XX/XX/XXXX - XX/XX/XXXX I have got a notice from my insurance company saying, they didn't get the policy renewal premium from the mortgage company and the coverage expired. 
I have contacted Mr Cooper ( Nationstar mortgage LLC ) and they said, I can purchase a new insurance and update the insurance details in their site. 
I did the same but my new insurance started from XX/XX/XXXX which is almost XXXX weeks from the expiration date of previous policy ( XX/XX/XXXX ) Now I have got mail from Mr Cooper saying, they are planning to buy an insurance for the period XX/XX/XXXX - XX/XX/XXXX which is a past date and I will be charged {$250.00} for this. 
Buying an insurance for the past date doesn't make sense and also their customer care told me that I won't be charged for anything. 

But now when i called the customer care they are telling I will be charged {$250.00} as they are planing to buy insurance for the past date. 

They should not be charging me for the past period.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (PA)

Aldous and Associates has a an account that was opened on XX/XX/year>. I have lived at the same mailing address PRIOR to the creation of the claim of debt on my XXXX credit record. 

I have NEVER been notified of their claim of owning a debt in any form since the creation in XXXXXXXX XXXX XXXX Much less have I had the ability to dispute this supposed debt which I do not recognize.
Consumer complaint received 2024-10-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (PA)

Dates of the loans : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Currently unable to log into my account to retrieve exact amount since the Navient transfer my loans to Mohela. Originally, I filed school misconduct forms with XXXX to prove already known information about XXXX XXXX being a fraudulent school in where they found guilty in court. But XXXXt deceived me and transfer loans to Mohela in where they denied my application. Mohela already faces scrutiny with government and proven unfit to manage student loans. So, transferring my loans to Mohela, and application being denied under them while they fully don't own my loans yet had surely broken the trust and promissory. As well Mohela doesn't have programs for School misconduct.
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

collections Icon CREDIT MANAGEMENT- account # XXXX I have a collection account from Credit Management for XXXX XXXX on my XXXX credit report XXXX I'm unaware of this collection and would like to have the collection removed from my credit report. Can you please, provide me assistance with this matter. I have reached out to the company, and they have been unable to assist me. 

XXXX XXXX XXXX  Balance : {$67.00} I have a collection account for XXXX from XXXX XXXX reported on my XXXX and XXXX credit report. I'm unaware of this collection account and would like to have the collection removed from my credit report. Can you please, provide me assistance with this matter. I have reached out to the company, and they have been unable to assist me.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (TN)

-In XX/XX/2023 this JEFFERSON CAPITAL SYSTEMS ( partial acct # XXXX ) was sent to collections, for an Alleged Debt of {$350.00} -I have asked for a Debt Validation, to include a signed contract or agreement for repayment of any valid debts -I did not receive my requested information -I then told JEFFERSON CAPITAL SYSTEMS to cease attempted contact or communications, as it regards to this account or any alleged and unvalidated debt associated with it. 
-JEFFERSON CAPITAL SYSTEMS has continued to violate my rights under 15 USC 1692c, and continued to COMMUNICATE negative, invalid, unvalidated, alleged debt, as it pertains to this account to Credit Score Agencies and the Credit Bureau . This injustice has caused me great hardships and unnecessary struggles