davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MA)

Im in the process of getting a mortgage when it came up by the mortgage broker that I have late payments listed on my closed Santander account for XX/XX/XXXX and XX/XX/XXXX. I filed disputes with all the 3-credit reporting agency, and they all responded that the data is correct and to contact the company that furnishes the data, Santander Consumer. I contacted Santander Consumer Customer service on XX/XX/XXXX and the person I spoke with, XXXX Emp # XXXX, said that she doesnt see why they are showing as late payments and spoke to her manager. After returning, she said the manager said I  would have to write a letter to have them investigate, I explains Im in a time crunch and would like to talk with the manager. After 25 minutes of waiting, I was able to speak with the manager, XXXX and explained that I dont have the time to send a letter and wait for a response since Im in the process of getting a mortgage. After explaining that that sending a letter was not an acceptable solution since its not my fault, they are reporting fraudulent data. She eventually was able to transfer me to her supervisor, XXXX ( XXXX?? ) who was very nice and helpful. She took her time to listen to my problem and asked for the details and said she would email the department to investigate the reporting issue and would get back to me ASAP but no latter then 72 hrs., with an answer. Here we are 3 days after the 72 hrs. and after spending almost 2 hours on the phone with them on XX/XX/XXXX, I still have not received any emails, calls, voice mails and/or texts. I spoke with an attorney and she said the only options Santander really has is to either corrected the reporting or just delete the tradeline, this needs to happen ASAP since this is hurting my creditworthiness and them not doing anything means they are being negligent. The consumer reporting agencies didn't add the Santander tradeline on my credit report, Santander did and by law they are REQUIRED and RESPONSIBLE to furnish information that's accurate and complete. 

I have included a copy of the errors on my XXXX report but also have online reports from XXXX & XXXX XXXX showing its not just an issue with XXXX.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received a copy of my credit report and correspondence from XXXX, TransUnion and XXXX stating that my file was modified however they did not remove the 30-day late per my request. Im trying to improve my credit and take care of my responsibilities and noticed this inaccuracy on a few accounts that I wanted a little more explanation on. My score went from XXXX to XXXX with this misreporting. Im fully aware about the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate.
Consumer complaint received 2016-02-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Maximum Title Loans, LLC (AZ)

I took out a loan in XXXX 2014 for {$1000.00}. I paid on the loan monthly for XXXX or 14months. Due to health issues I did n't work for 5 weeks and could n't make a payment for the first time since the duration of the loan. I communicated this to Maximum Title Loans and that did n't matter. All I heard that there was no grace period and that the payment needed to be paid. I told MTL that I would make the payment the following month and it would be a double payment. Before that day came I would receive 9 calls a day on my cellphone at multiple of XXXX. With me being at hardship my cellphone was finally disconnected.At this point I would be receiving calls at work. I took a few calls at work and told them when I would be paying and not to call me at work because I could n't receive personal calls. That did n't matter because I kept getting calls and MTL was told by multiple co-workers and then to my supervisor. This was also done at multiple of XXXX 's once a day. They were told so much to stop calling my work that I got a write up and was suspended for 90 days without receiving a bonus check. This all happen within 30 days of me back to work from being off for a month with health issues. Once that happen I was very upset with the company and refused to pay on the loan. I was a customer that always paid them and did n't appreciate the way I was treated after defaulting on XXXX payment. With that being said I am now going to court against this company as they are trying to get a judgement for {$1500.00} which is {$500.00} more than the orginal loan. I also have paid approximately $ XXXX {$2000.00} on the loan and was down to $ XXXX on the loan before I defaulted. I know that I owe the company but my no means do I owe triple the amount that I borrowed from the company. I was a good customer and they were very unprofessional once I defaulted. After losing wages I was n't even thinking about paying MTL at this point. Would n't ever recommend them to anybody.
Consumer complaint received 2020-08-05
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: Cedars Business Services, LLC (NJ)

I sent a letter to XXXX disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. XXXX   received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against XXXX, XXXX XXXX XXXX, and Cedar Business Service, LLC for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Block, Inc. (TX)

I wanted to report the company Afterpay. Theyre unfairly charging me for a purchase I returned on XX/XX/2022 at XXXX, the merchant was XXXX XXXX I purchased a bird cage and returned it on the date mentioned above, they never acknowledged that I returned it and they even got refunded for it, and they unfairly sent me to collections for this. They mention that the refund went to a XXXX card that supposedly have, and I want to clarify that I just owe one XXXX card and does NOT end in the number theyre telling me. They create virtual cards for you to shop and that was the card that it was refunded to. The refund goes straight to the card that the item was purchased with, and if I wouldnt have purchased it though XXXX, they obviously wouldnt have records of it. 
Here Ill attach pictures of the emails they have been sending me as well of the receipt with the return proof.
Consumer complaint received 2020-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UHG, LLC (MO)

UHG I LLC, XXXX IL filed petition through XXXX XXXX XXXX in Missouri Court ( Independence ) against me for the Credit Card Accounts i owe to XXXX XXXX XXXX XXXX according to them. ( court date set XX/XX/2020 ) Those Credit Card Accounts they are trying to collect was paid by Insurance ( as per one of the agent told me ) and i was also reported to XXXX about fraudulent charges those accounts. when i found out the fraudulent charges i closed those cards immediately and filed ID theft report and frozen all 3 bureaus credit file. 
XXXX never took any action for those accounts and i was default for those accounts due to job lay-off and send several hardship application but none of them accepted. I was advised that i am still liable for those accounts and i should take care and they threatened me if i didn't take care i will be in serious trouble, that's why i send hardship application and made 3 consecutive payments, but still XXXX sold those accounts to UHG I LLC. so now UHG is suing me for the money i didn't owed. 
XXXX now porting to XXXX  a charged off account which i never had ( credit limit XXXX ) this fraudulent account also i reported but they never deleted from my file instead they told me to send another ID theft report, i did that too.. XXXX  is XXXX my credit last few years and still doing same.. every time new charged off accounts, and when you talk to XXXX agent you will get different answers from different agents. some one have to stop this! 
.I am a federal employee with limited income.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/year>. They closed my account with no reason why. Im a XXXX  employee who has their payroll checks deposited biweekly. My banking activity never changes and I never did anything fraudulent on my account. They never gave me a reason besides that Im a risk account but never told me why. Several of my friends this happened to today and they have business accounts. My IRS refund is being deposited into my account and now I have to possibly wait for a paper check. I was treated unfairly by Chase and their customer service team. No logical reason on why my account was closed.
Consumer complaint received 2020-08-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hopefully this complaint isn't overkill. 

With XXXXovid-19 in our lives it seems like everything is taking far longer than it should. Packages are intermittingly arriving late, appointments are being delayed, and in general things aren't being done on time if at all. Due to all of this I no longer have trust that things will get done appropriately or in a timely manner. As such, I have decided to file this complaint against XXXX, XXXX, and Trans Union. 

On XX/XX/2020, I sent a notice by mail to all three credit bureaus. There is a collection that is reporting with all three bureaus and I know this account is far more than 7 years old. I told them the account hadn't had activity in more than 7 years and therefore it needed to be removed. We are on XX/XX/XXXX and I still don't have any notices. Instead of waiting to see if it arrives later, I took the pre-emptive stance to file this complaint to make sure the credit bureaus respond to it. Please understand my credit is my lively hood and I take it very seriously.
Consumer complaint received 2020-08-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (FL)

XXXX-20 Wells Fargo agent XXXX entered me in Cares Act Forbearance Program for months XXXX XXXX XX/XX/2020. XXXX confirmed forbearance months are tacked on to the end of the life of original loan. Confirmed no notation or Ding in credit score. 
Days later I received letter confirming enrollment of forbearance program. 
XXXX-20 spoke with Wells Fargo agent XXXX then to agent XXXX about extending forbearance on months XXXX XXXX and XXXX. XXXX gave me confirmation but also explain forbearance automatically moves forward unless borrower calls to say stop. 
XXXX-20 Wells Fargo agent XXXX from Collections called threatening me with foreclosure, saying I was delinquent on mortgage payments for months XXXX XXXX XX/XX/2020. Agent XXXX said she had no notation of forbearance program XXXX XXXX and XXXX and no details of XXXX XXXX and XXXX extension. She harass me and scared me about foreclosure, delinquency, and bad credit, so fearfully I paid immediately to her on the phone {$4300.00} reflecting XXXX XXXX and XX/XX/ 2020. I am a senior citizen and have never been late on a bill ever. My credit was great and worked all my life for that. I felt abused by this Shakedown and fearful of my life being ruined I paid immediately creating hardship for myself during covid-19 and not being able to work. 

I was legally enrolled XXXX XXXX XX/XX/ 2020 with confirmation letter from Wells Fargo I did not do anything wrong and to be sent to collections was unlawful and mistreatment of the elderly. 

XXXX-20 spoke with Wells Fargo agent XXXX XXXX voicing my unlawful treatment. She said she would file investigation report. 

XXXX-20 called Wells Fargo Executive offices spoke to agent XXXX XXXX told her about my worry and fear of foreclosure and bad credit. Stated I spoke on to agent XXXX XXXX said she would execute investigation report. XXXX said she had no notation of any investigation report. XXXX said my account reflected I was in the forbearance program and she does not know why collections called me. 

XXXX-20 talk to Wells Fargo agent XXXX XXXX to confirm my account reflects XXXX XXXX and XXXX payments that I was unjustly forced to pay and to Lodge complaint of collections harassment. 

XXXX-20 Lodged complaint with XXXX XXXX XXXX in Iowa against Wells Fargo confirmation letter will be included with this complaint. 

XXXX20 Wells Fargo representative XXXX XXXX contacted me saying she had taken over case and received a complaint from XXXX XXXX XXXX. XXXX said sorry I was mistreated, I was not negligent on payments, and yes I was indeed part of XXXX XXXX and XXXX forbearance program. A simple I'm sorry does not compensate for the distress and hardship financially, they put me in by having to pay in a lump sum. 

Wells Fargo Hustling Shakedown on borrowers legally participating in Cares Act Forbearance Program is unacceptable for a borrower of any age, but particularly cruel for the elderly.
Consumer complaint received 2023-05-29
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. (TN)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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
Consumer complaint received 2015-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Our mortgage was purchased from GMAC by Ocwen in XXXX 2014. They are claiming that we have been late on our payments, have not had insurance, etc. We have proof from our bank showing payments being mad on time and proof from our insurance company that we have always had insurance through them without any lapse in service. We are asking for assistance in getting Ocwen to acknowledge our payments, stop sending us mail saying we owe them more money, and stop them from foreclosing on our house, as I know that is what they intend to do.
Consumer complaint received 2020-08-05
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. (TX)

I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the addressand telephone numbe r of the person who furnished and verified this derogatoryinformation with Transunion. Further I am also requesting verification of the dates, originalpayee information, amounts of any and all payments that led to this alleged debt beingplaced on my Transunion consumer file. All information in pursuant to the FCRA section 609should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I am disputing andrequestinginformation on the following. 

Account Name XXXX XXXX XXXX.Account Name -XXXX XXXX.Account Name -XXXX XXXXAccount Name-XXXX/ XXXX XXXX XXXX XXXX XXXX 
Account Name-XXXX XXXX XXXX XXXXAccount Name XXXX XXXX XXXX Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
Thank you for your attention to this matter. 
XXXX,
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MN)

I applied for a loan and a unknown account was place in my credit report, How is possible Equifax report an unknown collection which doesn't really make sense what's the creditor name address or phone number How could I possibly match this to anything when there's nothing to identify Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this account can not report, How could I possibly match this to anything when there's nothing to identify
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

On XXXX I attempted to open a savings account at XXXX XXXX XXXX XXXX XXXX  in XXXX Calif and was denied due to a Fraud Ring Activity Alert on file with the 3 credit bureaus Experian, XXXX and XXXX. This fraud alert was placed on my profile by XXXX  XXXX XXXX on XX/XX/XXXX and I was reported to XXXX XXXX   who sent me a letter on XX/XX/XXXX notifying me that they have removed this information from my file as a result of my Bankruptcy discharge. I have attached supporting documentation with this dispute
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

A credit card application has been submitted with my maiden name & ssn on or before XX/XX/2024. I requested the info off of the application to determine if I need to invest in higher level ID theft insurance & security, or if a specific individual should be monitored with possible police involvement. I was told an FTC affidavit was required. However, since no money was diverted as the application was appropriately flagged, the FTC ( both via their online portal & on a phone call ) declined to provide an affidavit. I contacted Chase again & was told that they would not make any exceptions. I feel that this is unfair, causing me to potentially buy several XXXX of dollars worth of protection that may not help if a specific local person is using my info. It feels like I needed to have that person actually open the card & steal money in order to best protect myself from someone opening a card & stealing my money.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX XXXX XXXX sent me an email of an Adverse Notice of Credit Limit Reduction from {$19000.00} to {$1000.00} stating as the reasons that Experian had reported the following : ( 1 )  High utilization of revolving credit accounts ( 2 ) One or more accounts with balances that exceed my credit limit ( 3 ) Credit report indicates a serious delinquency on one or more accounts and ( 4 )  Recent decrease in my FICO score. 

I attempted to get my Experian Credit Report first through XXXX on XX/XX/XXXX. I then tried Experian directly on XX/XX/XXXX, XXXX, XXXX and XXXX, each time after identifying myself and answering their security questions was denied online access to my report. 

On XXXX, after an hour 's wait I finally was able to talk to XXXX and XXXX of Experian @ ( XXXX ) XXXX who explained to me that because I was not in the U.S. I couldn't gain access to my report online. I asked if I could request a " hard-copy '' sent to my mail-forwarding address and just got a " maybe ''. I just mailed my request for that on XXXX. 

With 9 million Americans living abroad, I find it incredulous that we have NO RIGHTS to be able to face our accuser, Experian, and have an opportunity to question the accuracy of information that has been reported. Otherwise we are at the mercy of Experian with no way to correct or challenge what is in our credit files and BAD credit information will follow us no matter where we are in the world even if we become a victim of identity theft. 

Without access to credit report, in whatever form, I can not defend myself from XXXX XXXX ' XXXX action, or anyone else who may take adverse action. 

I understand that Experian has to be vigilant in protecting the process of access, but after 8 security questions you would expect that you've properly identified yourself and should be granted access.