davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (FL)

In XXXX I opened a Macys card unfortunately due to a divorce that card was charged off in XXXX I received a letter stating that the account would be removed from my credit report permanently ( which I misplaced ) however as of today XXXX XXXX I can still see that information on my credit reports .I would like the information to be validated that this is an old account that is past the statute of limitation and seeing that is delinquent or derogatory reporting to have it removed from my credit file permanently.
Consumer complaint received 2020-02-11
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. (TX)

Fraudulent credit applications were made in my name with XXXX XXXX  on XX/XX/2019 and XXXX XXXX on XX/XX/2019. These companies contacted TransUnion to check my credit. XXXX XXXX  and XXXX XXXX became suspicious and called me inquiring if I applied for credit. I told them NO and they cancelled the credit applications. I have contacted TransUnion - as well as XXXX XXXX  and XXXX XXXX  on FOUR ( 4 ) occasions requesting that the fraudulent credit inquiries be removed from my credit report. To date, the 2 fraudulent credit inquiries remain on my TransUnion Credit Report.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

PHH ( formerly Ocwen ) has systemically and deliberately violated the California Homeowners Bill of Rights consistently during my loan modification process I am a owner occupied home owner - my family ( including my XXXX child ) live in our home thus the loss of my home via PHH 's illegal foreclosure would cause myself and my family irreparable harm and certain XXXX. PHH has maintained an active foreclosure date during the loan modification application process which is in direct violation of the Homeowners Bill of Rights - I have had a Trustee 's sale date hanging over my head which is bad faith business dealings and has cause emotional duress to me and my family. PHH has failed to credit payments and wrongfully charged me add-on products without my consent - insurance and escrow account - which has added to my loan balance. I have not be provided with an written itemization of said unauthorized charges after repeated requests. I notified PHH in writing ( within 5 days ) that the trial period plan payment was too high - based on my income documentation which I submitted to PHH via the loan modification application ; trial period plan payment exceeded my monthly income. PHH has not responded and the foreclosure date is still set for XX/XX/2020. I want to keep my home and will not lose it. I would prefer to work out an affordable loan modification payment as this is exactly what the intent of the Homeowners Bill of Rights was designed for. However, if this is not possible, I will bring legal action against PHH to protect my home and my family..
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA (FL)

I opened a lease on XX/XX/XXXX. At the time I had a credit score of XXXX. The lease was for 36 months and subsequently the car was repossed in XX/XX/XXXX and sold. Because it was sold for more than what I owed I was never told I had to pay a balance. However on my credit report it said the account was closed on XX/XX/XXXX which is grossly inaccurate. I would like this Information verified and updated with all 3 credit bureaus
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MN)

My Synchrony Bank Amazon # XXXX and Ashley Homestore/Advantage # XXXX credit card is lost/stolen and has fraudulent and unauthorized charges on both accounts. All the charges and transactions on both credit card accounts are fraudulent charges and not my charges.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

I have a secured card with XXXXXXXX XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XXXX  payment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX  of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now.

As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. 


Dept of Nel Net- I am also submitting an investigation for Dept of Nel-net you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 Dept of Nel-net accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Grant & Weber (CA)

Grant & Weber INC and XXXX where paid XX/XX/2019 have copy that they where paid for before going too collection Also my address is wrong have only lived in XXXX XXXX
Consumer complaint received 2015-07-22
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I am currently making payments toward a loan I made with XXXX XXXX, which finances through Wells Fargo. I receive calls daily from Wells Fargo, even though I am making payments toward the past due balance. I pay {$100.00} to {$200.00} each month, I can not pay more because I have student loans, car insurance, and car payment. Furthermore, each time I pay, I do not see the balance decreasing. It can not be there interest rate because, they charge me $ XXXX for the interest rate.
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (MI)

This company has furnished my XXXX credit report with false information regarding an account with am owed debt attached. I never went into contract or agreed to any contract with company for any reason. They illegally obtained my information to falsely report.
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc. (FL)

I tried making a dispute with the credit bureau about this account on my file. 
With no luck. I now turn to you to assist me validate this debt collector and any legal obligations I have to this account. 
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Debt Validation Letter North American Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2020-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

My Mortgage company sold my loan to another Mortgage Servicer. The property was given to me fully by my divorce judge and I have faxed the new Mortgage company the Decree several times asking them to recognize me so I can continue to pay the loan, as I have for over 20 yrs. My Maiden name is on the deed as well. Now they will not let me speak to billing or send me a statement, I just keep paying the payment, but have little authority. I have asked to speak with a supervisor and have been waiting on a call that is probably not happening. When I can explain the situation to someone they have me to explain it but then say, they can't do anything, hours wasted. He lived here for about a year ; I for 22 years.
Consumer complaint received 2022-11-30
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (IL)

I have a credit card from XXXX XXXX which uses Comenity Bank to issue the card. My credit reporting history has not been updated since XXXX. I have called Comenity on numerous occasions asking if they can update my account. I keep getting the same answer about their system was changed recently and it should be updated in XXXX months. XXXX months has turned into XXXX months. All the while I have been making payments. My credit utilization, and payment history is not changing. I am tired of calling and getting the run around. Please help with this problem.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I called CMC funding and spoke to XXXX. I told him I want to pay XXXX bi weekly starting XX/XX/XXXX. He said he got it all set up and informed me some months will be 3 payments such as that month due to being bi-weekly. Firstly he messed up the amount XXXX. I went to get tax information XX/XX/XXXX and noticed it gave me a notice of possible late payment. I looked at my last months statement and it had a late fee of XXXX for XX/XX/XXXX even though I paidXXXX on a XXXX mortgage. I called and spoke to XXXX on XX/XX/XXXX. I expressed that this was not ok to charge me late fees due to their structure and option of paying every 2 weeks. I also told her that they need to waive the XXXX and since my payment payed the late fee instead of principal, they need to reinstate that amount back to when it was charged and recalculate the amount owed and interest charged to me due to the XXXX not being applied. She refused. She also said to change the payment amount she would not need to charge me all of XX/XX/XXXX AND XX/XX/XXXX to " pay ahead ''. I should not have to " pay ahead '' if the point of paying more now is to not pay on that interest over the months. Paying Bi-Weekly should also have the same affect. They have predatory lending practices by offering a biweekly payment option but if you take it you have to pay months ahead and if you don't you are charged late fees which only furthers THEIR BENEFIT of charging me interest on all those amounts. Interest on the money not paid due to it going to their late fees and also interest I pay because I'm paying " ahead '' but it counting toward the months in the future and not principal now. 

They are saying I have to pay XXXX today XX/XX/XXXX so that I can be far enough ahead to pay XXXX starting XX/XX/XXXX and biweekly there after. She said that the XXXX is the BASE amount but then I am paying more base amount in each biweekly payment thereafter. They gave me no other options, take it or leave it. 

you can get a copy of both the calls and my statements to prove out what I am saying
Consumer complaint received 2020-02-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (GA)

In XX/XX/XXXX from XX/XX/XXXX until XX/XX/XXXX I've sent 4 different letters to the XXXX   credit bureau demanding them to let me see verifiable proof ( an original consumer contract with my signature on it ) from Santander consumer USA .Because according to the FCRA section 609 ( a ) ( 1 ) ( A ) They are required by federal law to verify through physical verification of the original signed consumer contract- any and all accounts they post on a credit report. Otherwise anyone paying for there reporting services could fax mail or email in a fraudulent account. They never sent me a copy of the original signed contracts or deleted these accounts despite 4 written letters violating federal law. They always responded these accounts were verified and being reported correctly, but they never told me who verified these accounts or sent me any original documentation as required by section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA they're required to promptly delete. The law is very clear as to the civil liability and remedy available to me if they fail to comply under the ( section 616 & 617 ) The Santander account is a XXXX dollar debt from XX/XX/XXXX written off with a XXXX dollar past due.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I received a XXXX payment from XXXX XXXX XXXX in the amount of {$640.00} because my family and I were affected by a tornado ( a tree fell through our home ) and we were without power for 6 days ( lost all of our food ). I thought my XXXX  was setup with my existing bank which is XXXX XXXX XXXX however ; it ended up going to a Capital One account that was charged off with a negative balance. Reached out to Capital One recover team on XX/XX/XXXX and spoke with a supervisor by the name of XXXX employee id # XXXX stated my concern to him and advised him of the disaster that had taken place with my family and I. His exact response was " I apologize but no good news for you these funds belong to Capital One. '' So, I called back and filed a claim with the disputes department to try getting the funds released back to XXXX XXXX XXXX spoke with a young lady by the name of XXXX employee id XXXX submitted the claim and she stated it could take up to 10 days to get a final decision and that I could call in to check on the status if need be ( claim # XXXX ). I also filed a complaint with a lady by the name of XXXX employee id # XXXX to there escalation/ case manager/ case advocate team to investigate this matter and she stated it could take up to 45 days to have this matter resolved ( case # XXXX ). My family and I have no food or anything which is why XXXX XXXX XXXX was assisting us with the {$640.00}. We had to pay XXXX deductible and it left us pretty much broke. How can a company take a families money after a disaster that was all on the news and have no sympathy at all. I tried to get an email to reach the executive/ceo XXXX, but nobody had an email. I reached out to XXXX on XX/XX/XXXX as well and a customer service rep stated, " since the XXXX was done through a financial institute they are the ones that have access to reversing the deposit. ''
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MI)

Navient Credit Bureau Management XXXX XXXX XXXX XXXX PA XXXX To Whom It May Concern : This letter is written to request the removal of your companys report of late payment of student loans to the credit reporting companies. 

Background : In the year XXXX Navient reported 24 late payments : 8 in XX/XX/XXXX, 60 days ; 8 in XX/XX/XXXX, 60 days and 8 in XX/XX/XXXX, 90 days. My single monthly payment was separated into the eight individual loan payments resulting in 8 late reports/per single monthly payment on my credit history. In the year XXXX Navient reported another 24 late payments : 8 in XX/XX/XXXX for 60 days, 8 in XX/XX/XXXX for 60 days and 8 in XXXX of XXXX for 90 days. 

I requested forbearance due to loss of employment on XX/XX/XXXX from the servicers of my federal ( XXXX XXXX ) and private student loans ( Navient ). The servicer of my federal loans processed the forbearance immediately, no fees attached however when I contacted Navient, I was told that I needed to pay a forbearance application fee up front for the application to be initiated. 

I disputed the application fee requirement and during this time, I fell behind in my payments. Eventually, I was able to negotiate a reduced payment agreement. Throughout this turbulent time, Navient generated numerous late payment reports to the credit bureaus. As a borrower, it is my belief that I made multiple good faith attempts to honor my payment obligations with my loan servicer, Navient. I also tried to use my forbearance/deferment benefit in a time of severe financial hardship and Navient made it difficult for me to use this benefit. The late payment reports generated by Navient have adversely affected my credit score and I have endured increased financial hardship over the last four years. 

I am requesting that these late payment reports be removed from my credit history. 

I am enclosing my XXXX  and XXXX credit bureaus reports for your review.
Consumer complaint received 2022-01-25
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. (MA)

I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and are NOT mine. I must have been the victim a cyber hack or identity theft. These non account holding inquiries with : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Equifax XXXX, XXXX XXXX, XXXX XXXX XXXX Equifax MTG are NOT mine. I do not recognize and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumers.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NV)

I got an alert from my credit monitoring service today that 8 of my accounts had been closed. When I went online and checked, all 8 of my credit card from Synchrony bank ( TjMAX, JC penney, Lowes, XXXX, paypal credit etc ... ) they've closed. My credit report is clean, credit score is at XXXX, all of them are in good standing. 6 of them had {$0.00} balance, they all have high credit limit, never missed a payment, I've always pay them of early. I called customer service the explanation they gave me that something had change in my credit report, in fact there is nothing change in my credit report, I checked all 3 credit bureaus and they are cleaned and nothing in my credit that warrants this action from Synchrony Bank. This will affect my credit score very badly! this is my financial lively hood they playing with. 



I will never trust Synchrony Bank again! and will never do business with them! DO NOT TRUST THIS COMPANY THEY WILL RUIN YOUR CREDIT!!!!
Consumer complaint received 2020-02-10
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (NC)

I got this loan in XX/XX/XXXX and I am being contacted by a debt collector being Alltran Education Inc., I informed them that I will pay my loan balance of {$4200.00} but they are refusing to accept that amount and instead are trying to collect {$13000.00}. They have also placed me under garnishment and has taken my XXXX tax return which was about {$1200.00} but the balance was not reduced. I have contacted them to requested a settlement and that the garnishment be removed and they are refusing and offering me a payment of {$400.00} per month for 10 years. This debt is more than 24 years old and at this point I want the garnishment removed and the debt to be forgiven. 

I spoke to someone with this company less than 6 months ago who told me I owed $ XXXX with fees and interest and when I spoke to them today they are saying I owe approximately $ 13K when I asked how that much interest accrued in short time he was very rude and condescending. I dont believe I owe what they are saying and I shouldnt be garnished for a 25 year old debt.