davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (LA)

I am a co-signer on a vehicle my daughter purchased using Santander Consumer loan company. My daughter fell behind in payments, vehicle was reposessed in XX/XX/XXXX. The original loan was {$12000.00} for XXXX XXXX XXXX. My daughter made payments of {$550.00} a month for a year in XX/XX/XXXX. After vehicle was repossessed I received a receipt that the vehicle was sold after repo and there was a {$12000.00} unpaid balance. After fees for late payment, retaking vehicle and cost of selling vehicle there is still a {$7400.00} balance due. 

Santander did not take into account the payments that were made in XX/XX/XXXX, which should have made the remaining balance much lower. I believe Santander prey on minorities by charging double the going interest rates over 29.99 %
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XX/XX/2018 XXXX fraudulently posted incorrect credit reporting to all 3 major  credit bureaus stating my XX/XX/2018 payment was late causing my credit score to drop 83 points! I have contacted XXXX ovet 20 times and they have assured me this issue has been resolved which it has not been. I have never been late on my mortgage payments. this is an error on their part which has caused a huge negative impact on my credit.
Consumer complaint received 2018-04-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

Company addressed the issue? By doing what? smoke screening with bunch of pages of my payment history? And lies that MY COUNTY RECORDED RELEASE OF MORTGAGE on XX/XX/XXXX I asked for 2 things 1 ) Where is my escrow money 2 ) where is my release of mortgage paperwork.

XXXX dollar gift card? Company violated Kentucky Statue - 382.365 Release of lien, with notice to property owner, within thirty days of satisfaction -- Assignments of liens -- Proceeding against lienholder in District Court or Circuit Court -- Liability of lienholder when lien not released or notice not sent -- Notice to state or lienholder -- Damages.

( 1 ) A holder of a lien on real property, including a lien provided for in KRS 376.010, shall release the lien in the county clerk 's office where the lien is recorded within thirty ( 30 ) days from the date of satisfaction Release of mortgage paperwork was received on XX/XX/XXXX ( postmarked XX/XX/XXXX) it took them 55 ( days ) to release the mortgage with multiple complaints. And me spending time and my money to remind them by sending priority mail. They have received Demand letter on XX/XX/XXXX( tracking number XXXX ) and had 15 days to provide me with mortgage release paperwork. Their timeline expired onXX/XX/XXXX. By Kentucky Statue I'm entitled for XXXX dollars per day after 15 days of waiting period. Its not my fault that XXXX XXXX taking her time to answer complaints and taking almost two weeks to mail overnight check ( we had a conversation onXX/XX/XXXXat XXXX XXXX  CST and she told me that my check will be mailed overnight and she will check on me the next day ) I haven't heard from her since then. Check was delivered this week. almost 2 weeks later. XXXX XXXX lied to me in the letter she send in response to my first complaint saying that Release of Mortgage was RECORDED BY COUNTY CLERK on XX/XX/XXXX. She change her tone after I told her during out conversation that i personally went to County Clerks office onXX/XX/XXXXand there were only two records on my name - Deed and Mortgage record, no mortgage release. it took them 55 days for paperwork that required by law to be done in 30 with the receipt to the homeowner.

What Pennymac does to customers who are late with payments? Charge them late fees.

Who is responsibility to pay on time Customer or Postal service or third parties?

You are not exempt from the law you have to follow the law including the state law you are doing business with. State of Kentucky Regulations specifically outlined that you HAVE 30 DAYS from the day Person paid of his mortgage to provide the customer with the mortgage release paperwork. There is no excuse, you have been reminded multiple times via your customer service and complaints.

You own me by LAW XXXX   dollars for 7 days ( including the day you received the letter ) plus the cost of the letter XXXX dollars I would like to get XXXX dollars of damage you are responsible for according to Kentucky Statue - 382.365.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX I received a notification from XXXX that one of my credit card statuses changed. I logged into XXXX account to see my citi DoubleCash mastercard credit card decreased in limit by {$400.00}. This is after I just made a {$480.00} payment last month to substantially lower the balance on this card, now bringing the available credit from several hundred dollars to only {$80.00}. I was not notified by citi that this limit change was happening and it happened four days after the payment was made. I have made on time payments with this card since the card has been open, and have a great payment history with my other credit cards. There really is no reason for citibank to do this to me. 

When I reached out to citibank, to find out why and to get them to reverse this as I am trying to buy a home and them decreasing my limit harms my chances, I was told that I needed to reach out to XXXX because XXXX is their credit management company and would be able to assist with my request. I thought this was the most ridiculous referral I had ever heard but I let it go because it was the weekend and I did not want to deal with it. I called XXXX on XXXX, XX/XX/XXXX and they, of course, told me they couldn't help me. I called citibank back and was told AGAIN that I needed to call XXXX. That XXXX was the credit management specialists and they could tell me why the credit limit was lowered and that citibank could do nothing to help me, no supervisor could help. Finally the person over the phone gave me an address to dispute the credit limit decrease after I kept pushing and prodding that XXXX is an unacceptable answer to my problem. 

Even still, lower a customer 's credit limit with no warning ( its been 20 days since the limit has been lowered! ) and no notification and I have to send a letter with a credit report, my personal information ( social security number, account number, birth date, etc ... ), and a plea as to why it should be reversed is a lot to ask. I am now wondering if the limit would have been lowered if I hadn't made the payment. Is this a systemic issue with citibank?
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (VI)

While I deeply appreciate the services and credit extended to me by financial institutions, I find myself perplexed at the inability to secure credit limit increases on my accounts. Notably, all of my accounts are in good standing, with a consistent history of on-time payments. Additionally, I have recently experienced a significant increase in my monthly income, which bolsters my financial stability and capability to manage credit responsibly. Given these positive factors, I am keen to understand the criteria or concerns preventing the approval of credit increases. I believe that a reconsideration based on my improved financial position and impeccable credit management would be both fair and beneficial for both parties.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WI)

Bill was due on XX/XX/2019 in the amount of {$12000.00}, I paid balance due which translated into a zero balance on the card. XX/XX/XXXX I reviewed my statement which revealed that I still had a balance of {$870.00} and was charges {$110.00} in interest, I called Citi bank XXXX twice to explain to me why I still had a balance when I thought the card was paid in full, I was told of charges that was not included in the balance XX/XX/XXXX. I was deceived into thinking my card was paid in full and ended up paying interest charges on balance due.
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case NATIONAL CREDIT SYSTEM is attempting to collect as XXXX XXXXXXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Consumer complaint received 2022-06-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

on XX/XX/2022 I sent a re-investigation request for items that are inaccurate on my credit report. To date I have not received a reply from either credit bureau about that investigation. I have negative items posted on both XXXX and XXXX credit services.
Consumer complaint received 2021-11-20
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. (TX)

I have disputed information multiple times with the XXXX major reporting agencies asking for specific information about my dispute and I have not gotten resolution. They keep sending me a general message saying information has been verified but will not include details of the verification.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CT)

Back in XX/XX/XXXX I contacted the credit card company and asked what options were available to me. I have had this account for 8 years and have never paid late. I explained that my husband and I are going through financial hardship. I asked if there was any way that I can lower my monthly payment per month because I wanted to keep the card and not hurt my credit score. They explained that the two options available were to settle the account with lump sum payments or apply for a payment plan which would mean closing my account and make reduced payments. I had explained once again that I wanted to keep the card open and was able to make the larger payments but with my husband not working it would become more difficult. I also questioned if they had the option to reduce the interest rate given that I was a good long time customer. They stated no, they no longer do that. I hung up and thought about it and called back a week or two later and requested to be put through to the department that handles seeing if I would qualify for a reduction in payments. After going through the information I was denied. I explained once again I would have no problem making payments as low as $ XXXX {$150.00} per month but the best they could do is refer me to a credit counseling service ( see attached letter dated XX/XX/XXXX ). I had gone online and found that I could reapply which I did and again was denied. I continued to make two more payments but then called them once again asking if there were any other options. I explained that it is ridiculous that they would not accept a lower payment per month and I was told they could split the payment. I then made the request to close the account because of their inability to work with me. In the meantime I have contacted a few other of my credit card companies and they are working with me so clearly this is just the policy of with Chase. I am extremely disappointed that this was unable to be resolved without damaging my credit further.
Consumer complaint received 2019-08-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (CA)

On XXXX, XXXX I bought a car form CarMax, in XXXX, CA. 
They arranged for the financing, and while I was the office I was given a financing offer. 
Then 2 days later the sales person called me and told me that they now needed an additional down payment in order to keep the interest rate as low as it was. I told the sales person that I didn't have additional money, and he then told me that interest rate was going to go up. 

I was XXXX years old and didn't know better, so I thought what they were doing was normal. I made my payments on time until XXXX, XXXX, and then I was unable to keep up with them. I called them and asked them if they could give me the deal they had given me at first, try to do something to help me stay current with my payments, but I never heard back from anyone. Instead, the collection department was calling my phone, non-stop, harassing me to get me to make the payments. 
I was so scared that they were going to take me to jail, like they said, so I went and dropped off the car back, thinking that would solve the problem. Now I have a bad report for that account on my credit, because of that. I am a single parent, and I struggle so much, trying to secure housing because of my credit report.
Consumer complaint received 2018-04-19
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. (GA)

On XX/XX/XXXX, I submitted a credit application on XXXX, authorizing XXXX XXXX XXXX of XXXX, NC to pull my credit report. 

They, in turn, authorized 10 other creditors to pull my credit report without my knowledge or consent, which resulted in 17 hard inquiries on my credit report on two separate days, XX/XX/XXXX and XX/XX/XXXX. By doing this, my credit score dropped 27-33 points and also prevented me from getting credit from other creditors, stating I had way too many inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was also contacted by a financial person at their sister dealership and was told I also needed to do a credit application on their site, XXXX. This caused another inquiry on my credit on XX/XX/XXXX On XX/XX/XXXX I sent letters to Transunion, XXXX, and XXXX to open a dispute. They all basically responded the same, saying I needed to contact the individual creditors directly. 

On XX/XX/XXXX I sent letters to all of the creditors and they all basically said the same thing, that they received permission to run my credit from these dealerships, XXXX XXXX XXXX of XXXX, NC and/or XXXX XXXX XXXX XXXX NC. 

On XX/XX/XXXX I had a demand letter drafted and sent to both dealerships by a law firm demanding them to contact the three credit reporting agencies immediately and have these hard inquiries removed. There was no response. 

On XX/XX/XXXX I submitted a complaint to both dealerships to the CFPB. According to CFPB, the company responded that they are not the appropriate company to address your issue.
Consumer complaint received 2022-06-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SECURITY FINANCE CORP (OH)

I was unaware that PROFESSIONAL FINANCIAL SERVICES OF OHIO , LLC, did not fully disclose the terms in our consumer credit transaction, I was told that i needed to put down {$3000.00} in order to secure the loan and get the car. I sent a letter 30 days ago and no response at all. 
But as it has come to my attention that in any consumer credit transaction the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 15 usc 1605.

As well as If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. Pursuant to 15 usc 1615.

As the natural born man and consumer, I am demanding that my downpayment to be refunded to me immediately as well as ALL PAYMENTS I have paid since XXXX/XXXX/2020
Consumer complaint received 2022-06-13
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. (FL)

I contacted the agency regarding the information and no actions were taken. 

In accordance with the Fair Credit Reporting Act Professional/ Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, The general Insurance, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my Rights. 

15 U.S.C. 1681 Section 602 A States 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 a account without my written instructions.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I Have a problem with all 3 credit reporting agencies and how my FICO scores have been updated/handled, which would be Experian, XXXX and XXXX XXXX. I have been trying to work on my my credit scores since late XXXX. What has happened with my credit scores recently is after paying off a debt or collection account, my credit report will be updated showing this information but it shows like a new collection account even though i paid my balance down to {$0.00}. This will cause my credit score to drop drastically. The first time this happened was around XX/XX/XXXX and my score dropped about 40-44 points across all 3 credit bureaus. 

Just recently ( XX/XX/XXXX ) my credit score dropped about 35 points for no reason. The only thing changed with my credit was i dropped my credit card utilization % between XX/XX/XXXX and XX/XX/XXXX. I have no idea why my credit score dropped and this has and will cost me and my family a lot of money. 

Over the last 3-4 months, i have lost about 80 points on my credit score for simply trying to pay my bills and do the right thing. I'm looking into an explanation as to why my credit score has dropped and if it is found that my credit score was dropped incorrectly, i would like for this to issue to be resolved by updating my credit score properly and giving me back my 80 points lost over the last 90-120 days.
Consumer complaint received 2018-12-07
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. (AZ)

Between XX/XX/2018 and XX/XX/2018, XXXX XXXX announced a major data breach. I received notice from XXXX that I am a victim of the data breach. There are 3 fraudulent and unauthorized accounts and credit inquiries on my XXXX, XXXX  and XXXX XXXX credit report that are fraudulent, unauthorized and don’t belong to me, and is the result of the XXXX   data breach and a compromise of my personal information. The following accounts are fraudulent, unauthorized and I didn’t apply for the accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts are fraudulent and a result of the XXXX XXXX data breach. The following credit inquiries are fraudulent: XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P. (FL)

XXXX XXXX disconnected my T.V cable without notice. I never received a bill from them. I called them to to pay the bill and to let them know i've never received a bill nor any notifications online. To reconnect the cable i had to pay way more i was informed, so the technician can re-install XXXX XXXX and it wouldn't be connected right away.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account with XXXX XXXX came back verified but how is that possible when the status does not match all three credit bureaus. The status updated dates do not match. The last payment date and date of first delinquency also do not match. This is grounds for removal. 

My rights were also violated. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions. I gave no such instructions.