davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (IL)

Logging in to my Santander Auto Loan account in XXXX of XXXX, the balance showed XXXX. I made a payment, more than the required amount. The balance was XXXX, and santander tacked on XXXX in " misc fees ''. See attached screen shot of my account. 

The only way I found out was that my credit score was knocked down in XXXX, XXXX, when I was going through a mortgage refinancing. 

I called Santander on XX/XX/XXXX. They said I still owed XXXX, which I promptly paid. 

I asked them to take the lates off my credit report, they refused
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc. (AZ)

Professional debt mediation has reported a {$1400.00} delinquent account on my credit report on behalf of XXXX XXXX XXXX XXXX in XXXX, GA. When I moved into these apartment homes, the community was brand new - as were all personnel in the front office. The lease that I signed required a 30-day lease non-renewal notification. However, after signing my lease, the front office staff added a cover page to the lease which I was never shown and I never signed. This new cover page stated that the lease, instead, would require a 60-day notice of non-renewal. Having received no notification of this policy or the fact that the front office staff planned to hold me to their 60-day cancellation policy without ever providing it to me, I provided the required 30-day notice that I did not intend to renew my lease. After informing me that they planned to charge me one months rent for failing to provide adequate notice, XXXX XXXX then provided me with a copy of all leasing documents they had on file for me, which are attached to this complaint. As you can see, the cover page that was never provided to me is unsigned by me. Instead, the lease that I DID sign clearly required a 30-day notice, which I provided and was accepted by the community management. See paragraph 6, circled in green. This is nothing less  than fraud by a predatory management team who was clearly incapable of doing their job correctly from the beginning. Their flaws, however, are not my fault, and I refuse to pay a debt which I do not owe.
Consumer complaint received 2019-04-10
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)

XXXX XXXX XXXX reclaimed a car that was nearly paid off. Only {$500.00} was left to pay for teh car. And the car was also sold at an auction which wiped out the debt. Yet XXXX  is trying to collect {$32000.00} from me. They are also reporting that account as open on my credit file, which it is not. It os a closed charge off. And the past due amount is wrong
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please remove all Freezes and Fraud Alerts from my file. I have attached my ID and Mailing address as well. I am trying to buy a car this month and I need ALL Freeze/Blocks/Fraud alerts removed ASAP.
Consumer complaint received 2019-04-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Report # XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify my accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information that can not be verified, that I have disputed, Please resolve this matter as soon as possible. 

Thank you
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OR)

to date in 2019 two {$33.00} late fees with interest {$190.00} in interest they are demanding my next payment include the interest when began the billing cycle with no balance {$260.00} stolen by Citibank
Consumer complaint received 2023-08-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

I quit XXXX a few months ago due to unprofessionalism on behalf on my scheduling manager. He not once mentioned anything about bringing back uniforms. And my guard card is paid off already from my checks already received during the months working for the company. However i am now being charged XXXX $ for uniform recovery and XXXX $ for guardcard. Which is not reflecting properly of what is actually happening. I have been attempting to contact them about returning uniforms and i need this situation fixed asap.
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NY)

I was in the process of refinancing my mortgage with my current mortgage holder, Freedom Mortgage Company. My wife is in the United States on an XXXX XXXX. Freedom Mortgage Company has a discriminatory policy against non-US citizens and will not refinance my mortgage to a cheaper interest rate because my wife 's Visa expires within 3 years. The XXXX Visa is a three year term and almost all Visa 's are for 3 year terms. We currently have our mortgage with Freedom Mortgage Company, never missed a payment and currently make more money and less debt than we did three years ago when we purchased the home. At the time of the home purchase my wife 's Visa was set to expire in 2 years, therefore we did not meet the discriminatory 3 year requirement at that time.
Consumer complaint received 2019-04-11
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (SC)

XXXX this debt collector continues to call my place of employment after I told them ONLY contact me through writing after asking them to verify an validate this debt due to me not having any contact with in writing they first called my cellphone multiple times after I blocked them they somehow obtained my job number an have called it at least 3 occasions while I was there after I repeatedly told them not to as we are not allowed person calls An they continued to do leaving messages stating they needed to speak with me regarding a business matter
Consumer complaint received 2021-02-18
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. (NJ)

I had fraudulent activity on my account its been over 60 days now and I haven't gotten any response. This affecting my vehicle situation because im getting very high interest rates and my job is opening back up in XXXX. My accountant wrote a letter for me to send to the bureaus. 
I would like these inaccurate items deleted as soon as possible.
Consumer complaint received 2020-08-03
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. (OH)

This complaint is for all three credit bureaus, not removing information from my credit file and XXXX requesting information that has already been provided as proof of my identity regarding a dispute. 

XXXX XXXX should be removed from all three credit reports. **Per written document included with this complaint-
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-04-11
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: Experian Information Solutions Inc. (WA)

Approximately 6 years ago I had a dispute with XXXX a mobile service company They could not verify a final balance and next I knew it was in collection way over the amount I expected ..I contacted them about this, had to change service because their system did not accommodate my phone They put it as resolved but derogatory ..on XXXX XXXX credit report Approximately a year ago I was contacted by a collection company. On investigation it appeared to be a phishing scam and was not reported so I assumed that is what it was Now it appears to be on experian Very concerned because there have been this kind of phishing going on in other area of my public profile It comes up as XXXX XXXX XXXX XXXX In the amount of {$510.00} Please let me know the result of your investigation XXXX XXXX
Consumer complaint received 2018-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

Upon checking my credit report in XX/XX/XXXX I had seen 13+ fraudulent accounts and while it was a very stressful time in my life most creditors let me know that they would do a timely investigation and would walk me through each step, almost XX/XX/XXXX now and the only creditor who refuses to do a accurate Investigation is Chase. The accounts held with chase have absolutely NO MERIT. They revealed that they confirmed it was me with a code that sent to a fraudulent phone number that was not mine! But Chase said they confirmed it was mine?. I am very curious to know how they confirmed this?. This is by far the worst creditor for theifts to open accounts with because the bank never admits fault and makes bogus claims of their investigations. Under federal law with the proper paperwork JP Morgan Chase must erase this account I have supplied, Police reports, Federal trade commission reports and more! I have finally taken the steps to contact the attorney generals office and submit paperwork with them. Chase is saying theyre holding me personally responsible for their negligence, I will NEVER give a dime to these accounts, THEY ARE FRAUD. My police report ( # XXXX ) with the XXXX even states their investigation and it was not me.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern, I recently obtained a copy of my credit report and you are currently reporting the debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. You do not have any permissible purpose of furnishing my personal information to any third party.15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Also, please be aware that as per my rights under the Fair Debt Collection Practices Act, I have a right to request full verification of this debt and to dispute it unless full verification is made. This offer is valid for 14 days from the date of receipt, after which it will be withdrawn and I will exercise my right to full verification.I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows. Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency As a consumer, I am demanding the deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Balance : {$1700.00}
Consumer complaint received 2019-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc (WA)

I used to live in an apartment building ( XXXX XXXX, XXXX, WA ). One day there was water leakage from above apartment ( Apartment # XXXX ) causing my carpet wet for many days. Management fixed the leakage but did not do anything to dry carpet. Carpet was wet for many days got ripped as time passed. I requested manager to change or repair carpet but she did not listen. In XX/XX/2018 i finally told manager if you don't change or repair my carpet i will not pay rent or i will move to somewhere else. She ignored and I did not pay rent and asked to repair carpet but she sent me a notice to pay rent or vacate apartment. She sent me 3 days evacuation notice on XXXX XX/XX/2018 without helping me out. I decided to move and i moved on XX/XX/XXXX and left keys with my neighbor XXXX apartment # XXXX because it was night time. XXXX handed over keys to manager next day. I called manger next days and informed that I left apartment yesterday and she said alright. But after couple of days she sent me an invoice for rent and new carpet change charges etc. My lease agreement was already finished in XX/XX/2018 and i was not signing lease because they were not changing or repairing my carpet. I was paying just month to month rent. I did not break any rental agreement. I have a copy of written complaint which was sent to rental company 's website about leakage and carpet problem. 
They wanted me to live with ripped and moldy carpet with my kids. Now they want to charge me for new carpet, attorney charges and rent ( $ 2200+ ) .The management ( XXXX XXXX ) sent bills to collection agency ( XXXX XXXX XXXX ) to collect money which is impacting my credit score and stress. I explained to XXXX credit bureau but they did not reply. Management also did not refund my {$600.00} security deposit.
Consumer complaint received 2019-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Just find this morning capital one inquiry was made without me known, I did authorized this inquiry, therefor I want it removed, it lower my score with XXXX by 70 points, please removed this inquiry and I notice more inquiries that are not mine XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX I do not recognize neither and did not authorized, there for I want them removed and deleted from my XXXX and XXXX I been working very hard to fix my credit report of all inaccuracies and unauthorized transactions, thank you this inquiries are in my XXXX and XXXX and also XXXX
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I have been disputing this debt on my credit report because XXXX XXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX, which I have submitted court documents and pictures, have reported the incorrect information to the Credit Bureaus. Under the FCRA, it states that if any of the consumer 's information in not 100 % accurate, then by law the credit bureaus are under obligation to investigate it and remove that item ( s ) from that consumer credit file. I have disputed this for over 3 years, with no success. I have submitted documentation to the credit bureaus from the creditors stating my position and they still will not remove these items from my credit file. On XX/XX/2018, I sent in documentation, then again on XX/XX/2018. I have just recently sent more documentation in around XX/XX/2018. The only results I am getting is the items are being updated on my credit file. I have received correspondence from the creditors saying that they have no identifiable information in their system on me. I have even called the creditors and was not able to speak anyone and I also left messages, but received no return calls.
Consumer complaint received 2018-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: OLD NATIONAL BANCORP (WI)

My mortgage was with XXXX XXXX in XXXX  I had several problems with XXXX XXXX applying my mortgage payments correctly, XXXX XXXX became Old National bank XXXX and my mortgage was totally incorrect. I was current with my payment and several payment sat in the partial payment unapplied section of my account. Old National bank stated sending me default statements I asked for my payment history from XXXX XXXX on several occasions but was told time after time XXXX XXXX records were not available I spoke with the bank rep and she made several calls, This cause my property to go in to go in bankruptcy in XXXX I haven't missed a payment on a fixed loan my mortgage was {$840.00} in XXXX  to {$970.00} in XXXX to {$1000.00} in XXXX I paid {$5000.00} in escrow in XXXX but I got a statement from Old national bank that states my escrow balance is only {$1400.00} Old National bank was paying to Insurance two separate home insurance policy with out my knowledge also paying my special assessments after in XXXX,XXXX and XXXX  causing my fixed mortgage to raise out of control.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My home loan was transferred from XXXX to this new servicing company, Loan Care XXXX # XXXX. They were behind and delayed in sending communications about the transfer of the servicing and apparently my direct autopay was removed, even though they have it on file. I made the payment on XX/XX/2019 online since the new servicing Company stated over the phone, upon speaking with me that my autopay was not transferred and I needed to establish that again. I received this information also in writing. Today, XX/XX/XXXX, I realized that the new servicing Company ( Loan Care ) took the initiative to take another payment without my consent. I called them today immediately to request refund but they told me will not be able until XX/XX/XXXX. I told the specialist as well as his supervisor that's unacceptable because I have another auto draft mortgage payment that is scheduled for this Friday and my money {$880.00} needs to be back into my checking account this week, by XX/XX/XXXX, ASAP to avoid incurring in late fees or credit impact. 

I am reaching to this regulatory agency for help since they are not taking seriously my concerns. What they did is a violation of bank regulations, taking additional payment without customers consent even when the account shows current. That's crazy!
Consumer complaint received 2019-04-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (FL)

Exeter reclaimed a car that was nearly paid off. Only {$500.00} was left to pay for teh car. And the car was also sold at an auction which wiped out the debt. Yet exeter is trying to collect {$XXXX} from me. They are also reporting that account as open on my credit file, which it is not. It os a closed charge off. And the past due amount is wrong
Consumer complaint received 2019-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (KY)

XXXX XXXX XX/XX/18 One Main XX/XX/18 One Main XX/XX/18 XXXX/XXXX XXXX XX/XX/18 XXXX   XXXX/XXXX XX/XX/18 All of these companies have been added to my credit report without my permission Ive fine called all of them and they said it would be disputed and off my credit report in 30-90 days and it has been that long since I contacted them and they still havent been removed from my report.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

There is a business credit card with XXXX ( it was a XXXX, then XXXX converted it to a XXXX despite the company 's objections ). Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's.