davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-25
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: Santander Consumer USA Holdings Inc. (AR)

Santander messed up my credit report, long story short, I fell behind on my car payment due to me losing my job which I reported to Santander due to me losing my normal income to receiving unemployment. I kept in touch and after receiving a new job and paying my past due balance, which this payments was reflected in my account they still reported my car as repossessed. So I called about this matter and they stated I needed to hand write a letter explaining this and they could fix this on my credit report which this is on ALL THREE CREDIT REPORTS. I wrote the letter and they stated they do not do acts of kindness for matters like mine. My payments since then have all gone to interest and almost nothing to principal. They have ruined my credit and I have still been paying as I should and my car has NEVER been repossessed and is still in my possession. Santander has messed my credit up so badly I can't even get my first home. And this lawsuit against them for them to pay my car off for their wrongful lending, I was never notified by Santander. I am still paying interest on a car that has jumped up so high unknown to me, that I will never pay it off! XXXX XXXX
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WI)

I applied for a American exspressDelta sky miles credit card XX/XX/XXXX online.The advertisement said apply and receive XXXX Delta sky miles if {$3000.00} in purchases are made in the first 90 days of card activation.I received card and activated card and made over {$3000.00} in purchases inrequired time. I inquired when the bonus miles would be added to my account many times. after 2 months I was told the miles would not be given as I had had this offer before. I believe the card should not have been issued if I wasn't elgible.I was notified of this XX/XX/XXXX. 
my attourney sent a letter to American exspress XX/XX/XXXX requesting the bonus miles be put into my account they refused.Now I look to cfpb for HELP
Consumer complaint received 2020-12-25
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: Experian Information Solutions Inc. (CA)

My letter was ignored.I wrote to Experian on XX/XX/16 regarding false inquiries. The letter was ignored and there was no change to my report.
Consumer complaint received 2020-12-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I've been trying to get a clear understanding of why I was charged an XXXX FEE TO APPRAISER - {$170.00} by my lender ( NewRez ) since prior to closing the property. In brief, I transferred the appraisal from my previous lender XXXX XXXX XXXX. However, I was charged both an " Appraisal Transfer Fee ( {$25.00} ) '' and an " XXXX Fee to Appraiser ( {$170.00} ) ''. This property was not appraised with this lender ; meaning, there was no appraiser with this lender and the {$170.00} fee on the XXXX XXXX doesnt make sense. I asked this question before closing and I am not convinced it should have been charged. 
XXXX FEE TO APPRAISER to BROKER FBO APPRAISER B - {$170.00} APPRAISAL TRANSFER REVIEW to LENDER - {$25.00} It's frustrating that NewRez can not answer questions on a loan they closed. So far, I've spoken to XXXX ( the broker ), XXXX mortgage closing team, their servicing team and the concierge team on this issue without a resolve ( and responsiveness ).
Consumer complaint received 2020-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I have tried to apply for the XXXX XXXX with Huntington Bank on several various occasions and just recently applied, within the last several weeks, for this card. I absolutely understand the credit criteria that is involved with Huntington Bank for their cards, but this is highly ridiculous. I have more than $ XXXX hitting my checking account each month, have a debt to income ratio sitting at 7 %, and have over {$14000.00} sitting in a savings account with them. Doesn't anyone look at my account relationship or the nature of the amount that is hitting those accounts or do they simply use a ridiculously outdated scoring system without consideration of trying to broaden a relationship with their customers?
Consumer complaint received 2020-03-03
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. (CA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asking for all of these inquiries to be removed from my credit report because they were not made by me nor did I give any of these companies pemrission to run my credit.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

There is an additional {$60000.00} on my loan. Shellpoint Mortgage is my current servicer and I have never borrowed any money on my mortgage loan ever!! Shellpoint states it was on there before. It is fraudulent because I have never borrowed on this loan. I need to get a leak fixed and new windows at the house and is not able to borrow because that mysterious loan is on my mortgage. I can not receive any help and will never be able to repay my loan. This is a huge deterrent to my homeownership as I can not afford maintenance on my home that I have had since XXXX. This large sum of money will lead to foreclosure unless I can receive help to remove this fraudulent money!
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

I am submitting this complaint to DISCOVER BANK due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Great American Finance Co (GA)

The collector who is the original creditors, has continued to report inaccurate information pertaining to this charge of account. The date of the my last payment for this account XX/XX/2014 and the remaining principal balance is {$440.00}, This should be the balance showing on the last statement from the lender. The same amount should also be shown on my credit report as the balance due for the delinquent account. creditor continued to add interest without providing a monthly statement or the original contract so that I may verify what that rate should be. the debt collector is claiming about 60 % more than the principal balance at the time of last payment. I am not able to verify what that rate is because the collector has not provided any statements, the state of Georgia max interest on a charge off account is 6 %. If the collector intends to add interest please provide statements reflecting such charges, and refrain from unfair debt collection practices. I have multiple copies of credit reports where the collector continues to charge the dates, amounts, status of charge off,
Consumer complaint received 2020-03-03
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. (CA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX I am asking for all of these inquiries to be removed from my credit report because they were not made by me nor did I give any of these companies pemrission to run my credit.
Consumer complaint received 2020-03-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY (MN)

I have submitted this complaint previously ( XXXX ). You sent the information to Wells Fargo which is where I started, and their response was they needed more time. Ultimately they said what they'd said previously which was, you are responsible, even though they couldn't produce any evidence whatsoever indicating I had ever asked for, attended a meeting for, or supplied identification for a LOC - since I had not. They even acknowledge that my spouse, now deceased, authorized auto-deductions from my account to make the payments. A banker at my local branch referred the matter to the " Building Trust '' unit, who didn't respond with anything other than a claim number. I need actual help to get this fraudulent loan behind me.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (NY)

Hi, my name is XXXX. On XX/XX/2022 I despatched a letter regarding an accurate and unknown things on my credit file to this present day over 45 days later I have now not received a reaction yet. I sense like Im being taken benefit of and being neglected. Section 611 ( a ), It states that a failure to research those items inside 30 days offers a motive to right now put off the ones objects from my credit document its been over forty five days so that they must be deleted right away. I call for that those bills be deleted immediately or I will report for litigation due to the stress you have precipitated me. My facts become also impacted by using the XXXX information breach and can are becoming into arms of the wrong character.
Consumer complaint received 2020-12-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

Hello, I wish to address/complain about a money transfer transaction I had with MoneyGram.com. On XXXX XXXX. I intended to send money from the U.S. to a friend in XXXX. 
I chose to use MoneyGram services willingly and chose to pay for the transaction using my credit card and not my debit card after I called MoneyGram. The fee charged for paying with debit card or credit card was the same.

I called MoneyGram to inquire how my credit card would be charged. I asked if my credit card would be charged like a regular store or online purchase or charged as a cash advance ( thus incurring fees from my credit card issuer ). I was told the transaction would be charged as a purchase and not a cash advance. Hearing this I found it a better/safer option to pay for the transaction with my credit card. 
Upon receiving my credit card statement, I come to find out MoneyGram charge my credit card as a cash advance, thus incurring cash advance fees and interest fees. 
My credit card tells me there is nothing they can do unless I wanted to contest the entire credit card charge from MoneyGram as fraud. I told them no since I did intend to make transaction and was only disputing the cash advanced fees and felt I was lied to about how my credit card would be charged. 
I called MoneyGram and was told there was nothing they would do but they did apologize for be lied to. They said I could write up a complaint on their web site and submit it. Im sure nothing will come from this. 
The Consumer Finance Protection Bureaus name and phone # was on confirmation email I received from MoneyGram so I thought I would tell my story to you for what it is worth. 
Im sure nothing can be done nor do I expect anything to be done in getting the cash advance and interest fees refunded to me. Unfortunately a bad lesson learned and a customer who will never use MoneyGram again.
Consumer complaint received 2020-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was the victim of a scam through sellers, while trying to gain housing in XXXX at the end of my military service. The scammer had me send him a deposit and first months rent in 4 payments of {$750.00} totaling {$3000.00} before completely disappearing. I contacted my bank Filed reports with the police FTC & IC3 & my bank still isnt willing to assist me or provide me with the necessary information to take the scammer to court.
Consumer complaint received 2022-12-25
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. (CA)

I have notified Experian about 6 late payments that are incorrectly reported on my consumer credit report several times. However, every time they fail to properly do an investigation and correct the issue. The creditor has stated to me that they have not reported any late payments. How was a proper investigation done as they are required by law to do, when it was submitted on XX/XX/XXXX, and the report was completed and results given to me less than XXXX later on XX/XX/XXXX?
Consumer complaint received 2020-03-03
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. (CA)

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asking for all of these inquiries to be removed from my credit report because they were not made by me nor did I give any of these companies pemrission to run my credit.
Consumer complaint received 2020-03-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc (CA)

I initially contacted the creditor ( Financial Credit Network ) to resolve this debt, but not getting info by law i should have. I provided all necessary insurance information from my primary insurance coverage in XXXX XXXX for my XXXX, I was told that the XXXX  facility would take care of the billing and that my co-pay was {$100.00}. I made the Co-payment in order to proceed with the XXXX  appointment and the billing staff informed me they would get back with me the following day if any issues came up. Since I did not get a call back I assumed that insurance had taken care of the bill ( Billing Dept confirmed prior, if nothing is wrong, then you are good ). I monitor my credit report updates weekly/Monthly but did not see the debt reported till mid year ( XX/XX/XXXX ) stating my account was past due since XX/XX/XXXX ( 14 days after the appointment ) or resolved/updated/removed. I have been trying to dispute the multiple inaccuracies from all three Bureau 's for yrs ( amount due, original amount, date opened, etc. ), but somehow the 3 Credit Agencies keep saying this company has met their reporting requirements. I kept asking for proof from both sides to verify this data from the collector & Bureaus, but just kept getting the same answer ( we dont provide statements, we can give you a settlement payoff only ) or hung up on. My credit report has showed a balance due of { {$400.00} } for 5.5 yrs, but 2 of the 3 reporting agencies showed high balance of {$500.00}. Agency 3 of 3 said highest loan amount was {$0.00}, however, when I called the Financial Credit Network company I was told the amount due was { {$600.00} }. So if that is accurate, why do all 3 credit reports dont reflect this increase monthly over time? This is just 1 of many errors i requested proof of in order for this collection to be valid. The letterhead info, balance due, owed, open dates, last reporting dates, etc. doesnt match across all 3 bureau 's which adds more inaccurate info being reported as well. After receiving the payoff letter that i had to yell/demand in writing, just to get some sort of legit proof ( so i can take legal action ), i then wrote to all 3 Credit Bureau 's a very detailed individual letter outlining the inaccuracies across the board as proof of these errors and as of today XX/XX/XXXX, only 1 of these 3 ( XXXX ) has removed it from my report. I have done everything i can to provide these detailed explanations with proof just to keep getting rejected. Maybe its an automated robot investigation and not a human? i dont know, but its not following the laws they are required to do so, therefore i am done trying to explain it over and over to them. Please help, They refuse to remove all these errors and its really effecting my score.
Consumer complaint received 2020-03-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sold my home on XX/XX/2019. 

XXXX XXXX XXXX in XXXX XXXX CO claims i owe them money. They received the account 6 days after I closed escrow. 

I keep telling XXXX this and they keep trying to collect money from me.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (LA)

I took advantage of a citi flex loan offer from my credit card. I spoke to a representative at Citi who was helping me with the loan. I was concerned with the card reporting a maxed out which would negatively affect my score. The representative reassured me multiple times that it would not show on the credit bureau and she even checked with a supervisor. When I went to refinance my home, I learned the card was shown as nearly maxed out and it had dropped my score 30 points. I called Citi to see if I could get a credit limit increase instead of having to pay off the whole card. Multiple representatives informed me I was ineligible for a limit increase to decrease the utilization of the card. In summary, the citi representative I first spoke to lied to me in order to make the sale. Then, the bank would not help me out to increase my limit to lessen the impact the card has made on my credit.
Consumer complaint received 2022-12-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I sent the companies many documents to tell them I was a victim of identity theft. They threw out that people can steal bank accounts and your social security number to open an account in your name. They stated that payments were made in my name. They said because payments were made through that account, that's why the information was correct. I got a paper from XXXX stating that the account that they are referencing to the account was open due to someone stealing my identity, and they closed down because due to suspicious activities. They took very long to respond to emails and stated they were investigating the XXXX  document when I gave them the document was validated. I stated that the document was strictly confidential, and they wanted to contact me to verify the document. I called a XXXX, and XXXX said they don't share confidential information about their customer. The lady XXXX took it into her own hands to say that she would review herself when I told her I wanted the company herself. XXXX stated in the document that the bank did not belong to me and someone used my account to commit fraud under my name. The company is not helpful. They want to put fingers at you, not that someone else opened this account under your name.