davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Granite Edvance Corporation (CA)

On XX/XX/XXXX, I made a {$10000.00} payment to Granite State Management, my student loan servicer. The next day, my loan servicer changed to XXXX. The {$10000.00} payment was pending and I called Granite State to confirm that it could take 2 weeks for the balance to update. Now, 2 weeks later, I have access to my XXXX account but the {$10000.00} has never appeared. It is missing from my bank account. It is no longer on my GSMR payments history. My money has seemingly disappeared.
Consumer complaint received 2021-11-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NV)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CHRYSLER CAPITAL is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: First Technology Federal Credit Union (CA)

First Tech was notified that I was permanently XXXX when I attempted to settle the debt for less. The amount that I was able to pay the credit card was {$2500.00}. This amount is the most that I could obtain and yet they advised me to contact them at another month to see if the offer would be accepted. They advised me that not paying the credit would have them attach my social security payment and cause futher damage. The account was sent to a third party who is not willing to honor what First Tech advised and threatend to make my credit worse and inclusive of law suit.
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (MT)

I purchased a new XXXX XXXX XXXX from XXXX XXXX in XXXX MT. I put {$20000.00} down & because I live a responsible life, I have not borrowed anything in many years. My credit score was XXXX w no history. They approved me @ 16 %. I agreed knowing I needed a few weeks to get the $ to pay the loan off. The 1st pymnt coupon was sent w the wrong address, but eventually making it. 
The pymnt is due XX/XX/2020 for {$610.00}, the principal balance was {$28000.00} & as of this statement dated XX/XX/2020 the payoff was {$28000.00}. 

I called today XX/XX/2020, was told the payoff was {$28000.00}. 

That is {$680.00} in interest before the 1st paymnt due date & {$480.00} over the statement amounts. I called the finance dept @ XXXX 3 times & a sales manager, waited on hold 15 minutes w no answer. Contacted my salesman, promising me a return call from a manager w no call yet. 

I called Chrysler Capital asking for a detailed breakdown & they were unable to provide. Please help. My account # at Chrysler is XXXX
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I received XXXX XXXX XXXX Check No. XXXX in Amount of {$57.00}. On XX/XX/2021 I wrote to both Citibank ( my depository bank ) and XXXX concerning the fact that this check, although deposited to my Citibank account on XX/XX/2021 as described below has not been credited to my account. Although I have been a customer of Citibank for more than 40 years I did not receive the curtesy of a response from Citibank. I did however receive a response from XXXX. Their response was that the check was collected by Citibank. Citibank wrongfully withdrew these funds from my account, wrong charged me a {$12.00} return check fee and in spite of repeated attempts to receive credit for these funds I have been totally ignored by Citibank. 

Initially I attempted a remote deposit of this check to my Citibank checking account ending in XXXX. The check appeared to have been processed. However, it then was removed from my account. I contacted Citibank and was given a provisional credit. I received a further notification from Citibank that the provisional credit was being removed and that if I had physical possession of the check I should deposit it in a branch to my account, which I did. The check, a copy or what now passes for the original check was returned to Citibank and from them to me marked Refer to XXXX. I had attached a copy of the returned check to my XX/XX/2021 letter. To add insult to injury I was charged a {$12.00} return check fee. 

Since I was unable to either resolve this issue and be credited with the amount of the check ( {$57.00} ) or recover the {$12.00} return check fee I wrote to both Citibank and XXXX. XXXX responded by a copy of their paid check which clearly shows that Citibank acted wrongfully. Citibanks reference was to Lost Deposit to Citibank Account Ending XXXX Citibank # XXXX. What I do know is that if Citibank, with all of its computing power can not find my government check for {$57.00} and credit it to me with the improperly charged {$12.00} return check fee, how many other " little guys '' have been treated in the same fashion. 

I expect that this matter will be resolved to my satisfaction by the end of this year.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (TX)

XXXX XXXX was the sole service provider for my internet services from XXXX. They had the exclusive contract as the service provider. We sold the property and moved late XXXX. The new owners set up service prior to moving in at the same address. 
I call XXXX on XX/XX/XXXX to let them know we are out and to terminate the service as that would be duplicated service at the same address. Furthermore I told them we had options for service providers at our new house so we wanted to terminate and pay the final bill. 
They gave me a final amount of {$270.00} and stated it was good because the billing cycle was XX/XX/XXXX. 
The agent was trying to get me to move service to the new location but I told him the service was inferior to our options. 
He said he was just making some notes and was making sure it got terminated. 
His agent number was XXXX. I felt by his speech he was manipulating. 
We received a final bill with my new address where service was never set up for {$95.00}. I called them to find out what the services were as we had paid the final bill in full. That service agent said it was odd as it showed a new connection fee and other miscellaneous fees that totaled {$100.00}. 
She said that she would send us an email to show it was paid in full as we described but we never received it. 
We had set up XXXX  that same week so this charge was fraudulent. 
I then received a notification from a collection agency Credit Protection Association LP in XXXX TX. I called XXXX and spoke with XXXX ( Agent # XXXX ) and she said she didnt understand the charge but, I had to deal with this collection agency since it was nothing she could help with. 
I spoke with the collection agency and gave them the dates and details along with the agent numbers on the date spoken they said they would dispute it. They told me to give them two weeks and to check back with them to see the update. I checked back with them about 30 days later to see what the status was and they said XXXX reinstated the charges and started it all over. I gave them again the details as it transpired. They said they would dispute it again and to give them some time. My wife and I are in the process of purchasing a home. My mortgage lender called and said I had a bad debt from a trivial service provider reported 23 days ago and asked what I knew about it. I had no idea and there was no mention in our communication that transpired in the last 3 to 4 weeks of them reporting me to the credit bureaus. My broker advised paying the fraudulent debt even though it was fraud to get it removed. I spoke with them tonight to tell them I would pay it but I wanted proof of deletion as it hurt my FICO score over 150 points. 
They said they will not provide a deletion letter and it was my responsibility to reach out to the credit bureaus. I dont know where to go from here but they are keeping me from being approved for a house mortgage.
Consumer complaint received 2020-02-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: F.H. Cann & Associates, Inc. (NY)

XXXX-> XXXX-> XXXX XXXX  XXXX-> XXXX XXXX-> F.H. CANN & Associates Inc. 

I paid nearly 9 years of my student loans without Interruption. I then lost my job. Up until that point I had paid $ 20,000+ of my {$16000.00} loan. So I had paid {$4000.00} in interest at that point. 

After a certain amount of time not being able to perform on my loan, it went into collections. Though XXXX never mailed me the bills, or informed me they were sending the debt to a collection agency. They claim they sent me e-mails, though they did not. They never sent snail mail either. 

Now the collections agency, FH CANN is attempting to charge 24.34 % for collection costs. 

Luckily I only owe > {$2000.00}. What if I owed {$100000.00}?! Thats a {$24000.00} Collection fee! 

It equates to 4 years worth of interest in one charge. All because I couldnt perform on the loan. This is way too much money for a collection fee. To make matters worse, they then send the agreement that says, they will only charge 16 % collection fee if I sign and perform on the collection agreements, otherwise its 18 %. The kicker is, they then choose who they want to sell the note too, and then the new company reserves the right to charge a collection cost on top of it! 

This has to be illegal! 

If you, as a an owner of a bank, are offering student loans, you are investing in a generation of people and a job market. The risk of the investment is lack of job opportunity, yielding limited repayment. Either way, as a world leader, the fringe benefit of your infrastructural investment is the educating of your population. 

The first chance you get, you dont sell the paper to a shell company, then charge outrageous fees once that person or people fall on hard times?!?! This is not how this business plan was originally built. It needs reform! 

What is the cap on collection costs? 

What are the rules for selling the debt? 

What does transparency in servicing options look like. No Deception! 

Please contact me with proactive or already in place regulations that will assist me with this companies attempt to collect a nearly paid off debt that they are trying to stock pile one-time insurmountable fees on top of.
Consumer complaint received 2021-11-16
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NV)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with NAVIENT. For some reason, I realized that there were late payments on my credit report. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 

NAVIENT XXXX XX/XX/XXXX {$4700.00} ; NAVIENT XXXX XX/XX/XXXX {$6500.00} ; NAVIENT XXXX XX/XX/XXXX {$2700.00} ; NAVIENT XXXX XX/XX/XXXX {$1700.00} ; NAVIENT XXXX XX/XX/XXXX {$10000.00} ; NAVIENT XXXX XX/XX/XXXX {$10000.00} ; NAVIENT XXXX XX/XX/XXXX {$3000.00} ; NAVIENT XXXX XX/XX/XXXX {$7100.00} ; NAVIENT XXXX XX/XX/XXXX {$2900.00} ;
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (FL)

XX/XX/XXXX Attention : XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX, IL XXXX Phone:XXXX  Reason : THIS IS INACCURATE Account Name : Browardadjus Account number : XXXX Date Filed:XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX FT.LAUDERDALE, FL XXXX PHONE:XXXX Reason : THIS IS INACCURATE Account name : EXETER FINANCE Account number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, IA XXXX Reason : THIS IS INACCURATE Type Of Account : INQUIRY Account name : XXXX XXXX  Date filed XX/XX/XXXX
Consumer complaint received 2021-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, I XXXX am writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Transunion today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at
Consumer complaint received 2021-11-16
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. (FL)

I'm writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

i had received a letter from a collection agency claiming to be a law firm to collect a debt that isnt mines from a gym membership that supposedly opened by me.i had never attended this gym XXXX XXXX XXXX because i live in florida.
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the MIDLAND FUND account still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-02-16
Product: Credit reporting 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)

I have disputed these fraudulent inquiries multiple times with XXXX, XXXX and Experian and they kept ignoring my request. So, XXXX filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately. 

15 U.S. Code 15 U.S. Code 1681XXXX - Requirements relating to information contained in consumer reports-a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, nor later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL STATICS FROM XXXX, EXPERIAN AND XXXX. Once again here are the inquiries that WERE NOT AUTHORIZED : 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 DC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-16
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 (NC)

Capital One is willfully breaking federal law by not processing at all my credit card dispute ( including not even contacting the merchant ) for which I had given written and pictorial evidence to them by their prescribed deadline of XX/XX/XXXX via their online portal link ( and in fact the email to their online portal gave me 2 weeks from XX/XX/XXXX to submit my documentation- but at any rate I did submit my document before Midnight EST on XX/XX/XXXX ). Due to either technology mismanagement at Capital One and/or XXXX animus by totally disregarding any evidence provided by people of XXXX, Capital One believes they are totally exempt from abiding by federal law.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

The XXXX XXXX apartments collected payments from me and then sent my account to collections to National Credit Systems. I informed National Credit Systems that I already paid this account. They never verified this account wasn't paid and they illegally reported it to the credit bureaus. National Credit Systems is harassing me and calling me non-stop at work.
Consumer complaint received 2021-11-16
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. (GA)

I called Equifax for assistance with unauthorized inquires on my credit report. I spoke with a representative who was assisting me with deleting these inquires and the phone was disconnected. I then called back and spoke to another report who told me the inquires could not be deleted. I explained to the representative that I was previously being assisted with deletions before the phone hung up. I asked to speak to a supervisor who told me she would not assist me with taking care of the negative inquires reporting to my credit report. 

XXXX XXXX XX/XX/20, XX/XX/20 XXXX  XX/XX/20, XX/XX/20 XXXX XXXX XX/XX/20, XX/XX/20 XXXX XX/XX/20
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

THE COMPANY, XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and Experian are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On jube 5, 1933, Congress enacted HJR- 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currencyare inconsistent with the declared policy of congressin the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumers report or portion thereof in which information on a consumers character, general reputation, personal characteristics mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I'm an XXXXXXXX XXXX at XXXX University in the city of XXXX XXXX and have deposited a check of {$1900.00} on XX/XX/2021 with Santander Bank. The bank has immediately blocked my account. Upon calling customer service, I was informed that they have temporarily locked my account till the the time that the check clears and asked me to wait for a maximum of 5 days. 

The check has no elements of fraud and has been sent to me from XXXX as my paycheck. After duly waiting for the stipulated time, I contacted the bank again but they refused to open my account. The bank has confirmed that the cheque has cleared and there is no problem with it. Despite this and no other reason from the bank, my account remains closed and I am unable to make a single transaction. 

I have called customer service 14 times, visited the local branch on XXXX XXXX, XXXX XXXX 3 times but account remained blocked for close to 15 days. Each time the bank manager or representative asked me wait for 2 more days and have not been transparent about why my account has been blocked. Even after waiting, no resolution has been taken. I have filed customer complaints with Santander and have raised 6 escalating mails with the concerned analyst in the fraud department but have received no help from them. 

The bank has pained me to extent that is unimaginable as I have had difficulty getting food during this period. I request immediate help and a severe punitive action against them.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX