davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (OH)

OneMain Financial : I was laid off at work because of COVID in  XXXX, I had exit documents proving this. This agency offered a insurance plan to protect me in this type of case which would cover loan payments up to 1 year if I remained unemployed. I provided them with my exit documents 3 times. Times I can remember sending the documents in are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. All three times I received negligent customer service and told that my lay off is not credible until I'm approved for XXXX which we all know millions of Californians are still waiting on that's including me and then lost communication and was left without a response because I believe the employees handling my case were laid off these 3 different times.. I've sent my identification documents in 3 times and they say they haven't received them at XXXX so I just sent certified mail this week so I have proof I sent. I've told them many times on the phone I am unable to make payments and that I really need this insurance they offered ASAP. Yet they've been spamming me with calls nonstop and making me feel like I'm being persecuted. I've asked several times why my official exit document wasn't enough to prove my lay off was due to XXXX. I just feel like this is very unethical in this time during COVID especially when I'm struggling with the XXXX 's clogged system for months. I feel violated, harassed, and persecuted by those I thought would be there for me especially with their promise of insurance during this crisis. I've attached my exit documents here and also I've attached my phone call log. They were calling me repeatedly on the number ( XXXX ) XXXX after I told them I didn't have the money to pay and that I am in dire need for their promised insurance to kick in. Also the name of the insurance company is XXXX XXXX XXXX which I just also sent another certified letter which should be arriving tomorrow.
Consumer complaint received 2020-08-13
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. (DE)

This complaint is regarding a delinquent reporting made by Santander Consumer USA. After paying this car loan for over 5 years this company is stating that the final payment on the loan was required at the maturity date there was an amount of {$100.00} that was due. I informed the office that no one sent me a letter stating that the loan was maturing and the payment would have to be made by that date because I would have sacrificed to pay it. As I informed the company we are going through a pandemic and even with the loss of income I have never been late with a payment. This reporting has reduced my credit score between 21 to 32 points amongst all credit bureaus and I contacted them and requested for this reporting to be deleted. The car has been paid off. I have explained that I am trying to financed another car because the current car is very old and is not operational. I have explained that this reporting is affecting me and they have completely ignored all request and are the least bit concerned about the issues. I have never been late with a payment, it was an oversight with the maturity date because this car was purchased over five years ago and Santander has never explained that it had to be resolved by the maturity date or else I could be impacted. Even with the pandemic they have dismissed all request. Im seeking CFPBs help in getting this matter resolved
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Theres two inquiries from XXXX on my credit report that I do not recognize. XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Inquiry from XXXX XXXX on XX/XX/XXXX and XXXX, XXXX, XXXX. I do not remember giving authorization to this lender to do a hard inquiry.
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TN)

Hello I applied for a loan modification in XXXX XXXX and submitted documents. 

Selene requested XXXX months bank statements and I sent them. 

I was declined because I didnt send a bank statement from XX/XX/2022 which was over XXXX  months ago. 

I am requesting my loan modification be reopened & approved because Selene requested XXXX months of bank statements not XXXX months.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (MI)

Inquiry from Discover Financial on XX/XX/XXXX and XXXX, XXXX, XXXX. I do not remember giving authorization to this lender to do a hard inquiry.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Inquiry from Bank of America on XX/XX/2020 and on XXXX. I do not remember giving authorization to this lender for this hard inquiry.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I check my credit report and notice some inaccurate information. This account is stopping me from buying my dream house. This account listed below should not be in my Credit report .I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out! 

This collection account has been paid in full and should be deleted on my Credit report ; XXXX XXXX XXXX ( Original Creditor : 09 XXXX   XXXX FL ) XXXX
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Inquiry from XXXX  XXXX XXXX on XX/XX/2020 and on XXXX. I do not remember giving authorization to this lender for this hard inquiry.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I want to file this complaint to EXPERIAN. I sent them a letter dated XX/XX/2023 regarding the inaccuracies in my report such as late payments, incorrect charges, date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-08-13
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. (IN)

On XX/XX/2020 I mailed dispute letters to XXXX, Transunion, and XXXX requesting that they investigate the collections on my reports. I patiently waited for a response, and constantly checked my credit reports for updates. So on XX/XX/XXXX, I decided to write them again and request that they hurry and respond because it has been 30 days since I've sent them disputes. They still have not responded and it's XXXX now.
Consumer complaint received 2024-04-10
Product: Credit 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: Chime Financial Inc (WA)

Was mugged on street in XXXX and forced to give my credit card under threat as thugs were getting frustrated with my refusal to cooperate. Provided card in which they stole everyone on card, about {$220.00} and ran off. They attempted to pull out over {$850.00}, which was declined. I called credit card company when I was able to charge my phone at car, had to ride light rail back to station. They put in as unauthorized transaction. I called Police to make report and spoke with officer several hours later when they called back. My credit card company dispute was denied, I called back and they relabeled despite as Goods/Services not as described and I gave police report number. Again it was denied. I called back 3rd time for despite to understand why they are not returning funds after I clearly mentioned multiple times that this was stolen from me, without my consent and against my will. After threatening to cancel my account and report to XXXX  they offered to reopen again and needed police report, which again will cost me money to get as a Fee as well as time for them to complete. I don't understand why they work so hard to allow criminals to keep funds instead of reversing them and allow the merchant to come for the funds if they feel its legit.
Consumer complaint received 2020-08-13
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. (MI)

XXXX XXXX was removed from my credit report as I never had a loan with them. Theyre now reporting that loan again under a creditor called XXXX XXXX XXXX.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (CA)

I didn't receive anything and was not properly contacted to be able to dispute these charges. It just showed up in my collection and I am not sure if this is mine and the amount is very high. I don't know this. This account I can't recall must be old.
Consumer complaint received 2020-08-13
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. (NV)

Disputed 4 accounts that shows open with balances that have been paid now more than 60 days. The dispute came back as information is correct and will remain. It can not be correct if it is paid in full. I contacted all 4 accounts and they confirmed that I have no balance. How can Experian report that they checked? These are not on XXXX   or XXXX XXXX but Experian is not fixing it and it is impacting my credit score. It is over XXXX worth of incorrect debt. I am trying to refinance my mortgage. Please make Experian report things correctly. I tried the proper route of disputing the info first. I actually included a payoff letter from one of the companies.
Consumer complaint received 2020-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Hello and Thank you for reviewing my complaint, As of early XX/XX/2020 we were sent a collection stating that we owed a balence of about {$12.00} grand to XXXX XXXX XXXX, this notice was sent from IQ data international. We had contacted to Comapny asking why it is this amount when the apartment agreed to do rent responsibility till someone had moved in we would be notified and ask for a payment. Instead they had sent it to collection with out notifying me till late of XX/XX/2020. We sent the revision to the collection company and they did not adjust the price till XX/XX/2020. During this time XXXX we tried working with them explain I am unemployed living off my fiance at the times income. I explained to Iqdata that we had left because I was being XXXX by a tenet who was selling XXXX in front of our gate where our apartment was right in front of. While ontop of that, the gate was always broken even though we were suppose to be in a gated community because this XXXX had always opened Manually breaking the gate. The apartment had verbally told me that they would address this and contact legal, I've never heard back. Complaints were repeatedly made to the office and the police. I had told the iqdatatech, I was scared because I wish not to be XXXX again, the tech responded " that's your fault ''. So, as you can understand I yelled back ; being told it is my fault for being rapped is 100 % wrong. The next day I had apologized tell her I am stress, suffering from XXXX XXXX, XXXX, and XXXX. To avoid further issues my fiance at the time, now husband, XXXX XXXX had called to try arrange a affordable arrangement, they disagreed and told him we now have a vendetta against you and will make your lives difficult. Then our 3 lease signers XXXX XXXX had contacted them to make arrangements and they told her if she had paid XXXX grand and the other lease signers again XXXX, XXXX, and XXXX XXXX agree they will take her off the lease. Which we wrote a letter agreeing with our signatures. She called and ask to start the process and they told her " No.Why would we, when you have the highest score? '' She asked for other options and they had screamed at her saying " that the have a vendetta ''. We sent another letter asking for a payment arrangement again explaining we are now affected by XXXX and furloughed from the district XXXX and XXXX. They contacted us again and only asked us to pay, and we asked did you receive our letter and they responded " yes, that's why we changed it to the revision the apartments made ''. This company has been rude, had lied, and had went ahead and added the collection and diluquent on our credit score after stating we were affected by XXXX they put it on our score. As the law stated during pandemic they are not allowing collections to be added to scores.
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NC)

In XX/XX/2024 my car loan came to term after 72 months. Prior to the last month went onto the payment portal to request a final payout amount. At such time their " request pay amount '' button continued to loop me back to the homepage with giving the requested information. I then sent a formal request in writing to the given address. I also disputed other unknown amounts as well. When I did not hear back within 14 days I accessed the portal and made another full payment on XXXX XXXX. Still with no response on XX/XX/XXXX I accessed the portal which told me that I have a full payment due. I again made another full payment and awaited a response. On XX/XX/2024 my credit was depleted by nearly 100 points due to 30 day delinquency. When I called the admitted that it was not 30 days late but told me there was nothing they would do. I was laughed at and hung up on. They stated that they would nothing for the fees and they would not allow me to speak to their legal department. For the full term of my loan I have PERFECT payment history. But on the last payment mysteriously there are problems. My account has increased to over {$500.00} and no remedy from this company. They told me that they took the fees from the XXXX payment so there was nothing they would do to reimburse. Yet they say I have an outstanding balance after EVERY payment was made on time. Now they are holding my title and are threatening to report me LATE with a 90 day penalty. Again there has been no 1 single late payment reported in 72 months of the loan term.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Betterment LLC (AR)

Wednesday XX/XX/2020 {$16000.00} was frozen in my account because of suspicious activity I was asked to provide proof of identity and the letter from unemployment regarding the $ XXXX deposited on XX/XX/2020 so I sent them my up to date ID my social security number a selfie and the statement from unemployment confirming the deposit into that exact account. I called many times and keep getting it is being reviewed its not there decision its there XXXX XXXX  XXXX XXXX decision but when I called them they had no knowledge and they only provide BETTERMENT w their debit cards. I called Betterment again when I woke up this morning to an email saying my ID was expired which I sent my new ID from just moving to XXXX  and my old expired XXXX  ID just so they knew why I was receiving benefits from XXXX  I've been back n forth from XXXX  because I work up there 6 out of the 12 months a year spring n summer and now I explained to them I didn't have to send that ID MAYBE I shouldn't have but I did but my current ID is valid and finally the accepted all my documents but still keep acting like they can't unlock my account its under review but won't let me talk to who is reviewing it or give me any of my money. I know they might not have been affected by the Pandemic but I have and I need my money please. OK I took a break for a minute just now to read an email from betterment and they are telling me they are communicating w XXXX  about my ID that XXXX  didn't initiate at all and does know about my temporary address in XXXX  but that's not the banks place to give confidential information like they are cops trying to investigate fraud. Now if XXXX  asked about it than maybe but normally it'd take a court order to divulge a customer 's personal info. But that's my opinion.
Consumer complaint received 2020-08-13
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. (IN)

On XX/XX/2020 I mailed dispute letters to Experian, XXXX, and XXXX  requesting that they investigate the collections on my reports. I patiently waited for a response, and constantly checked my credit reports for updates. So on XX/XX/XXXX, I decided to write them again and request that they hurry and respond because it has been 30 days since I've sent them disputes. They still have not responded and it's XXXX now.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (IL)

Hello, I had IDES benefits sent to me through Key2Benefits/Keybank. They allowed online transfers. Now they don't for some reason. When I use the ATMs they only allow withdrawals of {$20.00}. I want my remaining money. It is {$17.00}. I call Keybanks customer service line and it hangs up on me. I called like 20 times. I tried to send them a message. It gives me an error. Please help me get the rest of my funds back. Them holding it is theft. 

Thank you XXXX XXXX
Consumer complaint received 2020-08-13
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: JPMORGAN CHASE & CO. (CA)

This is not a duplicate complaint. Chase has not taken the corrective actions it stated it would to resolve my prior complaint, and the company has not returned repeated phone calls. Please see my feedback to XXXX. 

Background : My mother passed away XX/XX/2020. At the time of her death, she had {$220.00} worth of Chase Freedom rewards points. A private banker at a Chase branch redeemed the points for her estate on XXXX XXXX, and later said a check would be come in the mail within 30 days. Six months later, the check has not come. No check has been cashed by her estate. I am the executor and trustee of my mother 's estate ( see attached documentation ). 

Update : In response to my last complaint, Chase said it would issue a new check for {$220.00}, if I signed and returned a Declaration of Lost Cashiers Check form. I originally faxed back the form at least a month ago. No check ever came. 

A representative at the executive office told me to resend the form with the lost cashier 's check number included. I did that, and faxed the form two weeks ago. No check ever came. 

Last week, Chase informed me that a new representative had been assigned to my case. He has not returned repeated messages.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (FL)

I pulled a copy of my credit report and noticed two transactions that were not originated by me, XXXX XXXX. 
Pusuant to multiple laws within USC 1681,6802 and USC 1681c-2. 
The following accounts need to be immediately deleted. 
These entrants constitute identity theft and need to removed from XXXX and XXXX. 

DITECH- XXXX DITECH- XXXX This company went bankrupt, and I am unable to contact them. Please notify the credit bureaus that these are identity theft and need to be immediately removed. Thank you.