davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

Santander customer and XXXX XXXX XXXX which is the same debt!! However Santander Consumer was apart of multiple state class action lawsuits were the judge ruled in the consumers favor that Santander consumer had to buy back or cancel the debit of all the subprime loans and pay restitution to the consumers! I was apart that lawsuits I have received my check however the debt is still on my credit report plus they sold the debt to XXXX XXXX XXXX and it on my credit in fact its still in collections in they are trying to collect the debt from me however the judge rule that Santander must buy back the debt in wipe it from my credit that hasnt happened! Total amount XXXX
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NC)

I tried to login to my account online as i normally do, but it was locked for some reason, and I was informed from the page to call a number to speak with a rep. I did. Multiple times. When i say multiple, I don't mean 5 or 6 times .... I would say an amount that would be looked upon as an exaggeration. Each experience would lead me to being transfererred 5 or more times and finally get someone in the Eastern hemisphere talking to me on their cell phone in a bathroom. After a couple of days of trying, finally I was able to get through to a rep to just pay off the balance and have a new card mailed to me. At this point ( XX/XX/01 ) I have a XXXX balance. 2 weeks later they reduce my spending limit. This causes my credit score to drop from XXXX to XXXX. Yesterday I receive a letter in the US mail from Chase saying I owe XXXX dollars and to call a number. I did. 3 times only to have the phone tree hang up on me. I called the number on their site to make sure I wasn't falling prey to a phishing scam, and sure enough I was told I owe XXXX dollars and then transferred. I ask the nice XXXX XXXX man on his cell phone in his bathroom, how can this be? My new credit card is in my office desk and not even activated. He tells me sometimes they are sent to customers preactivated ...??? Not sure what that means. Now at this point I just want to be done and pay the so-called balance so its done. I'm refinancing my home and I am afraid this mess is going to have an adverse effect on me. I can't even call and get this bogus charge paid. Can you help? There isn't a branch near me so I can't walk in either.
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: MARINER FINANCE, LLC (FL)

Also improper contact and sharing of my information to an unauthorized person not on my account. False statement of what they are calling in reference to. I receive harassing phone calls constantly from Mariner Finance. Now there is a lady from the headquarter office name XXXX who 's calling me harrasing me about a payment i was told to make that i made to keep them from coming to seize my car. Two weeks later i get a threatening call yhat they are going to make decesion on XXXX/XXXX/2016 of what they are going to do saying that i did not make a payment that i did make two weeks ago. XXXX # is XXXX the local office # is XXXX where i also receive threatening and harassing calls from.When XXXX called on XXXX/XXXX/2016 my friend who had my phone answers and told her i was not available and she would take a message ... XXXX went n about the reason of her call and about a payment i made and so and on which should not have been discussed with this party regarding my account my friend told XXXX she has nothing to do with that she just can take a # XXXX went on still discussing the reason she was calling which was none of my riends business she also made the comment that it not that person she can relay the message of what she is calling about in such words. When i did try to call her she was yelling at me in the phone because i told her she was a liar. Therefore i hung up in her face being that im not a child and she will not yell at me. The people at the local branch have even went as far as calling me from a *private call* in reference to this matter.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Company : Transunion I have attempted to cancel my subscription with them for many months. First, I tried to call and was placed on hold. Then when an operator picked up my call, I told them I wanted to cancel and they disconnected. 

Then I tried to use their online form at this link : https : XXXX When I logged in, the page doesn't advance - it keeps looping. 

Then I sent a message on XX/XX/2021 through their site to keep from being charged in XXXX. They said they would send a confirmation to my email. It never happened and they charged me again today. 

They have intentionally made it difficult if not IMPOSSIBLE to cancel the subscription and have been taking {$26.00} out of my account for months. 

I had to cancel my debit card today to change the number just to keep them from charging me.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX I pulled up a copy of my credit report and seen there were some accounts that are not mined and will need them removed. According to the provisions of the FDCPA 15 U.S. Code 1692g - Validation of debts and Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The following accounts in dispute are listed below : GRANT & WEBER # XXXX
Consumer complaint received 2016-06-14
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Lockhart, Morris & Montgomery Inc. (AR)

I owe XXXX for my tuition, I have tried to work with them to resolve this and pay it off. Instead they send my bill to Morris Lockhart and Montgomery in XXXX texas, and now they are threatening to take my XXXX away and get a hold of my employer and have me fired. 

They know what I do for a living, and still they call me while I 'm XXXX ( working ), nearly causing me to wreck on several occasions because I become so perturbed and distraught at the thought of losing my livelihood. 
( Side note : I use a hands free communications device while driving, in the event of an emergency. )
Consumer complaint received 2021-12-31
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been Capitol one Credit card holder for 5 years. 
The last couple of month i was not using the card as i was in the process of buying a property and maintained XXXX balance. 
Capital one sent a letter to me to collect more information but i did not received the mail and its no notification when i login to my account. Capitol One closed the account XX/XX/2021 became i was not calling them. 
The card has XXXX balance and i was not using it and Capitol One cant explain what info they were needed as the card been not used. 
I collected XXXX bonus miles over the years and Capitol One taking it away because they closed the account. 
I called the supervisor said, if i open an account again, they will NOT honor those points. 
They admit that that i earned those points but they closed my account. 
Capitol One need to reimburse me for my points what has {$770.00} value.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This Account is closed and is reporting incorrectly. 

For that reason, it should be removed immediately. 

I have tried to get this account removed because it is Closed. It isreporting incorrectly across all credit reporting agencies. This violates the credit protection act and calls for removal right away. 

Reporting Balanced Updated XXXX XXXXXXXX, XXXX on XXXX & Trans union Then reporting Balance update XX/XX/XXXX on XXXX
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I am XXXX XXXX  XXXX person, I have SSA and XXXX coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.
Consumer complaint received 2021-07-28
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. (GA)

On XX/XX/21 I submitted a request to have information reporting illegally on my report removed to no avail. I have sent all required information to the bureaus.. Which included several police reports..Several FTC reports. My Identification.. Social security card and Etc.. I have pleaded with the bureaus to show me how they validated my late payments but they have not responded. I have been sending them the same information since last year. XXXX  continues to report addresses that dont belong to me. I was told several times that they would take them off. Still nothing. This is frustrating because I know my rights are being violated. I have a fraud alert on and it still doesnt help. XXXX  is reporting a fraudulent account ( XXXX  ) on my credit once again and I have provided them proof that Ive never even lived at that address. They wont even validate the account or send me proof of who this account belongs too.
Consumer complaint received 2021-07-28
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (PA)

I never had this conversation. I never authorized this payment. I cancelled it just by chance seeing that it would have been taken out of my bank account. My wages are already garnished. They have sued me, garnished my wages, harassed me at work, etc. It never ends. I have paid XXXX + on these loans. With interest the way it is I will never pay them off. It has affected my credit score, ability to buy a home, afford a car, afford to rent. Enclosed is the email I got today. Again, this conversation never took place. 
" Dear XXXX : During our telephone conversation on XX/XX/2021, you authorized us to make a one-time debit from the checking/savings account below to pay your student loans. 

Payment Details Borrower Name : XXXX XXXX XXXX Payment Amount : {$86.00} Payment Date : XX/XX/2021 Checking/Savings Account : XXXX Primary Name on Checking/Savings Account : XXXX XXXX XXXX Confirmation Number : XXXX Please retain your Confirmation Number as receipt of payment. 

The Payment Date above is the date on which we will apply the payment to your student loans. However, please allow up to 3 additional business days for the payment to be posted to your loan account and debited from your bank account. 

PLEASE NOTE : Your telephone authorization does not permit us to make any debits other than this one-time request. It remains your responsibility to make payments according to the terms and conditions of your promissory notes. 

QUESTIONS? 
If you need further assistance, please visit http : //www.aessuccess.org/contact/index.shtml and choose a contact option. If you prefer to email us, the best course of action is to sign in to Account Access and submit your email using the " Contact Us '' feature.

=============================================================== Do not reply to this email. If you have questions regarding this email, please contact our technical support staff at XXXX. 

This email contains privileged and confidential information intended for the above addressee only. If you received this email in error, please delete or destroy this email and/or attachments. 

AES will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this email.<p style= '' text-align : left ; '' >NMLS # XXXX <a href= '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =============================================================== ====================================================================== The information transmitted is intended only for the person or entity to whom it is addressed and may contain confidential material. Any use of this information other than by the intended recipient is prohibited. If you receive this message in error, please send a reply e-mail to the sender and delete the material from any and all computers. 

Code : PHEAA ''
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-22
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. (FL)

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  has stolen my Identity and created securities in my name with out my consent.
Consumer complaint received 2021-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (PA)

We were with XXXX in XXXX, sold to XXXX  XXXX XXXX. In XXXX, in the MIDDLE of a " promised '' modification, we were sold to XXXX XXXX XXXX. 

Bank of NY Mellon supposedly holds the note ( see attached ). We have repeatedly asked for the location of the note with no response. Most recently we sent a certified letter received by BNY Mellon but NO RESPONSE.
Consumer complaint received 2021-07-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I won an online auction through XXXXXXXX XXXX  XXXX house for a classic dodge truck. The online ad misrepresented the truck 100 % and they will unwilling to cancel the auction and refund my money. I never took possession of the truck, and they have since resold it. I contacted Capitol One and opened a dispute for both charges from XXXX which totaled {$3900.00}. Case numbers XXXX and XXXX. Initially they credited my account, then decided to add the charges back onto my account with copies of the 2 payment receipts. Neither have my signature on them and I already explained to them when I opened the dispute that XXXX was unwilling to refund me in person. I still do not have possession, I never signed anything, I never registered the truck in my name, and they have already resold it to someone else. 

Capitol One still has not refunded anything to my card and I am still being charged for a product I never received or signed for.
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC. (FL)

We moved out of our apartment complex back in XX/XX/XXXX. I one day out of the blue for college needed proof of residency for college. Getting a record of my last apartment to prove I was living in Florida I had to email my apartment complex. When they responded they didn’t explain anything other than we owed them XXXX$. We sent certified mail to them and a check and they returned it to us saying they sent our information to a debt collector whom we’ve never even knew or heard about before. they weren’t going to bother us until I contacted them over almost 6 months later. We sent a certified letter as well to the agency within the 30 days of never receiving notice about such a debt. They are ignoring us and won’t respond back to our certified mail that was sent out. We believe this is unfair and the fact no notice was ever given. It’s all wrong.
Consumer complaint received 2021-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX will not investigate my file they keep saying to provide new info.. i keep sending new info and they dont do anything.. i need a human to look at my file and not no e oscar machine.. 

if XXXX does not fix my problem i will have to sue with my fcra attorney help a regular person out that needs help Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XXXX SSN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear XXXX : I received the credit report you have on file for me, and it contained the following inaccurate information : Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX XXXX Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft However I was in contact with the creditor who has verified that this information is inaccurate. As such, it should be removed from my credit report. I am requesting that you reinvestigate this item and remove it from my report as soon as possible. 

[ INCLUDE CONTACT INFO FOR THE CREDITOR WHO CAN VERIFY THE INACCURATE INFO, OR INCLUDE OTHER PROOF OF THE INACCURACY ] Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CO)

I have a commercial loan I closed w a broker in XXXX of XXXX through XXXX. Both XXXX and my broker told me multiple times it would not show up on credit bc it was a commercial loan. Both their websites actively advertise this. 
Anyway everything was fine until my loan was sold to shellpoint mortgage out of XXXX. They are reporting my commercial loan on personal credit as of this month. 
Shellpoint mortgage said they can bc I am a guarantor. I paid over $ XXXX to buy down loan and have a prepayment penalty. Either the broker and XXXX actively lied to me or Shellpoint is in the wrong. I need to know who and how to resolve.