davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX, I wrecked my vehicle. On XX/XX/XXXX2018 two checks were sent out to pay towards my car loan by XXXX. The payment was in the amount of XXXX on my XXXX loan. XXXX has been wonderful however, the lean holder Santander Consumer USA has stated they have yet to receive either checks from the insurance company. A month passes by and Santander has not contacted me and has charged me a late fee. I have proof that the insurance company has paid out however I believe that the company does not want to cash out the check in order to continue to accumulate interest as well as late fees. I then contacted my insurance company and informed them of this so XXXX  contacts Santander Consumer USA and the lean holder requested that the insurance company resend the funds.This included the account number as well as the date. XXXX then sends the funds yet again in the amount of XXXX on XX/XX/XXXX. Still They have not reached to me and on the insurance company 's end the case had been closed. ( meaning the the lean holder has collected the check ) They have yet to allocate the check towards the principle balance. At this point im collecting interest, receiving late fees, and not getting a clear answer from the Santander. I have also called several times asking to speak with a manager or the department that handles the negotiations of loans however the reps tell me that I am not permitted to speak with that department. When speaking to a manager the manager refused to read the contract to me and also disconnected the call. At this point I feel that this is consumer abuse and that I need to place any additonal charges to a halt. Please Help!!
Consumer complaint received 2019-01-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

In XX/XX/2014, I was unable to pay XXXX XXXX XXXX, and my debt was sold to XXXX   XXXX XXXX, XXXX. As soon as I received payment information, I began paying them and have paid them every month every since. I have also raised the amount I'm paying them twice and attempted to arrange a payment schedule. Even once I verified my identity for them, they refused to listen to me. 

XXXX XXXX XXXX calls up to five times a day and not unusually before XXXX or after XXXX. When I answer, the person on the line often refuses to identify the company he or she works for, and it takes asking them two or three times to identify the company before they will do so. The person also usually represents themselves as someone who knows me at a personal level. Once I manage to get them to identify the company, the person calling typically asks me for personal information ( Social Security number, birth date, etc. ) to verify my identity. The person also usually requests I give my whole Social Security Number or birth date, which if the person was a scammer would leave my identity vulnerable. On a recent call, I asked the supervisor I spoke with to verify the company she worked for by giving the company 's address, an item of public record, so I knew who I was talking to, and she refused to do so until I had requested her to do so another three times. When I affirmed who I was, she refused to talk to me about my account unless I verified personal information or flat out gave it to them. Each time I have spoken to a purported representative of the company, I have requested mailed statements with details about interest, how payments are applied to the account, terms and service agreements, etc. They have repeatedly refused. Earlier this summer, I did manage to get a balance statement but only by refusing to talk further until I had at least received that information. The balance statement provided none of the other information I requested. At that time, there was no way to verify the account information other than by phone since they had not given me an account number, so I could access it online. 

It's also worth mentioning that I finally was able to access their website and checked. I am currently paying more than the minimum amount the published amount allowed for a payment plan, and they still refuse to accept what I'm sending as my standard payment.
Consumer complaint received 2019-01-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

The TD Bank, NA in less than 48 hrs.debited my checking account that I have with them 3 times for the amount of {$35.00}, brought a total of {$100.00} as of overdraft fee even I do have a saving account ( with enough balance ) linked to that one.

This is not the first time I have to write to you regarding the same matter, but in the past as well, and I do not know why the TD Bank does the same practice regularly no matter how people like me have to make ends meet the budget. 

This is my first step trying to solve this reality and I hope to be the last resort and not have to go further.
Consumer complaint received 2019-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

On XXXX XX/XX/2019, I sent a letter to Bank of America requesting my line of credit account be cancelled and closed. On XXXX XXXX, I received a bill from BofA with a new balance of {$15.00} due with no explanation. I called and was told I needed to pay BofA {$15.00} to close the account. I made the payment over the phone ( Confirmation # XXXX ) and was told it would be posted the next day and they would email me a letter showing the account closed. I did not receive the letter so I called them back on XXXX XXXX. I spoke with a supervisor, XXXX, who told me the account would not show as closed until the end of the billing cycle. She did say they could generate and email me a XXXX balance letter immediately. I asked for the letter and again gave BofA my email address. I did not receive a letter. 

I have started an addition on my house and XXXX XXXX found this open lein on my house when I went to finance the addition. Because the BofA account won't post as closed until the end of their billing cycle, XXXX. XXXX can not look up the account and see it as closed. 

Account closed letters are form letters generated by banks and can be generated at any time. I need the loan from XXXX. XXXX to pay the contractors working on my addition.
Consumer complaint received 2022-07-27
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX  BANK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXBANK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-11-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (MA)

ok this is my second time I talked to this people XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX.. OK they called me today and tried to use scar tactics on me. They tried to get my information to verify a debt from 1991 this is illegal back dating of debt that's not minds.. I don't owe or have any idea of what they are talking about.. second when I didn't want to give them my information she got very aggressive with me and threaten me if I did not agree with the debt. So I asked her for the original contract with my name on it ... she said they don't have to provide that.. the fair debt credit act states they must verify any debt if I requested this debt be verified .. they have to have me signature on the original contract. or me on video signing the original contract or my ip address from my computer.. according to the fair debt collection act. they are in Violation of this act ... I want them to stop Harassing me stop with the threats ... I don't know how they got my information or who they brought this re aged debt from 1991 from but definitely not me.. stop selling my information. my name and credit is good now for years now and I don't owe anyone anything please help stop this scam and lie please..
Consumer complaint received 2022-07-27
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. (VA)

I have contacted the credit reporting agencies to notify the errors and inaccurate information that is being reported by XXXX XXXX XXXX. According to the credit reporting agencies they verified the information but I'm in clear possession of evidence that clearly shows this account does not belong to me and is fraudulent and needs to be deleted/removed immediately. 

I do not appreciate being given false and misleading information from an investigation that appears did not take place because if it had then the inaccuracies would have been seen and the account would have been deleted. 

Please view the supporting documents and note the name as it appears does not match my given name. The dollar amount is inconsistent with what is reported on the credit report. It also shows a company name and this may be a company account.
Consumer complaint received 2022-07-27
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. (VA)

I have contacted the credit reporting agencies to notify the errors and inaccurate information that is being reported by XXXX XXXX XXXX. According to the credit reporting agencies they verified the information but I'm in clear possession of evidence that clearly shows this account does not belong to me and is fraudulent and needs to be deleted/removed immediately. 

I do not appreciate being given false and misleading information from an investigation that appears did not take place because if it had then the inaccuracies would have been seen and the account would have been deleted. 

Please view the supporting documents and note the name as it appears does not match my given name. The dollar amount is inconsistent with what is reported on the credit report. It also shows a company name and this may be a company account.
Consumer complaint received 2024-05-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GUARANTEED RATE INC. (IL)

I XXXX XXXX and my co-buyer XXXX XXXX are currently victims of aggravated identity theft, deception, mail fraud, mortgage fraud, securities fraud, etc. 
This company Guaranteed Rate and XXXX XXXX XXXX are involved in deceptive business practices. When we extended our credit 15 USC 1601 to the Corporation Guaranteed Rate Inc . They lied and said they were the alleged lender 12 USC 1431 which they cant lend money according to the law but now stating that they are a Debt Collector under state and federal laws.

They are attempting to collect a debt that has been lawfully paid under the Truth in Lending Act, Federal Reserve Act. The laws that prohibit these deception business practices under CFPB, RESPA, CFR, FTC, USC, ICC, UCC. Mortgage Fraud, Mail Fraud and Securities Fraud has already been proven in case law, regulation Z and Modern Money Mechanics and FBI website on securitization with the consumers knowledge. They told me at the escrow table to destroy the documents we signed because it will only prove we owe a debt which raised a red flag as well when they told me not to put UCC 1-308 on our signatures when signing at closing. They told me I had no rights which I knew was a lie because I worked in law enforcement for years and they thought I was some person they can tell anything to based on my looks of appearance and co buyer. 
Attached are PDFs as proof and we are currently handling over all information to federal and state law enforcement agencies including the FBI as part of our investigation of illegal activities we strongly believe are a scheme of fraud on a high level. The property was paid in full at closing UCC 9-102 ( a ) ( 65 ). They then separated the deed from the mortgage which supreme court ruled to be illegal. I ask for debt validation, and they can not provide any proof that we are obligated to pay this alleged debt when it was already discharged and paid in full which they refuse to show the check. 

Next were several nondisclosures at closing including aggravated identity theft which is a felony, Securities fraud, mortgage fraud and mail fraud. I conducted research and investigation and found out a closing agent is often an attorney who works for the lender. He or she conducts the closing and performs pre-closing tasks like conducting a title search and preparing documents. A borrower sometimes thinks that the closing agent works for him because the borrower pays the agents fee, but the agent works for the lender. 2 THE VOLUNTEER LAWYERS PROJECT Securitization : Mortgage-Backed Securities Securitization is the process where a mortgage becomes a commodity. This security is in the name of XXXX XXXX and XXXX XXXX and is gaining financial gain on MERS and this was not disclosed to us our home is a financial asset. Where are our receivables? Where are our credits as required by law, they are note balancing the books.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On this specific account XXXX Transunion reports " Settled for less. '' XXXX  reports " legally paid in full for LESS than FULL Balance ''. XXXX  reports payment was only {$340.00}. The account was paid in full with an overpayment of around {$41.00}, so the " settled for less '' and " less than full balance '' from Transunion and XXXX  needs to be removed and XXXX  needs to show that the full balance was paid. 

Correspondence Log with XXXX  : XXXX XX/XX/2021 Rep : XXXX Call ID XXXX Number called : XXXX XXXX min around XXXX MST XXXX acknowledged payment in FULL, with an overpayment of about {$41.00}, sent me an link to dispute the remarks on my credit report that state the payment was NOT paid in full because the reports state the account was " settled for less '' and " less than full balance. '' Submitted dispute on XXXX or XXXX XX/XX/2021, received email notification to XXXX to XXXX receiving dispute at XXXX XX/XX/2021 at XXXXXXXX XXXX. Ticket ID XXXX Received response of dispute from XXXX  ( XXXX XXXX XXXX stating : " The loan is reporting correctly to the credit bureaus '' and that they " consider this investigation closed '' and " will not respond to further request that are substantially the same as the previous request ( s ) submitted by you or on your behalf '' XXXX XX/XX/2021 Rep : XXXX XXXX ID XXXX Number called : XXXX XXXX min at XXXX XXXX. I was told that a manager was not available to assist me and they could not transfer me to the credit reporting department.
Consumer complaint received 2021-07-13
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Splash Financial, Inc. (PA)

I asked Splash Financial via text if there was the same 0.25 % rate reduction for auto pay. With the rate reduction my fixed student loan rate would be 2.84 %. Their customer service confirmed that I would in fact receive the rate reduction. I made a financial decision to select Splash Financial over my current company that was offering me 2.89 %. 

The rate reduction was not applied to my account once my auto pay information was added to my account. 

Me : Hello, according to your website my interest rate after the direct bank payments is 3.09 %. I was previously told that the 3.09 % would be reduced by 0.25 % once I added my bank information. Please correct the website ASAP. 

Splash : Good morning! Let me look into this for you. Out of curiosity, do you remember who told you that this bank had an auto pay discount? Some of our lenders have auto pay discounts, and others do not. 

Me : I already have direct bank withdrawal set up with the website. My interest rate should be 2.84 % not 3.09 %. ( I sent screen prints of my previous text conversation ) Splash : Unfortunately, at this time this bank down not offer the auto pay discount. I apologize for the miscommunication on our end. 

Me : Miscommunication is not even close to what happened here. Splash is causing me a negative financial impact. The difference in the interest rate is costing me more money. I never would have refinanced my loan at 3.09 %. What is Splash going to do to make me whole?

Splash Financial refused to adjust my interest rate. Rather they offered to pay me {$400.00}. the financial impact was {$860.00}. After several emails, Splash Financial finally agreed to pay me {$860.00}.

My concern is for other consumers not aware that documentation is gold. My concern is that Splash Financial will lie to other consumers causing even more of a economic burden on student loan borrowers.
Consumer complaint received 2022-07-27
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$27000.00}
Consumer complaint received 2018-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There is inaccurate data on my credit report and when I filed a dispute, they sent me a confirmation number saying the investigation was complete but I was not able to view the results or my credit report. When i contacted support, they said they are unable to help me.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

Experian CHARGED OFF Account info Account name : XXXX XXXXXXXX XXXX Account XXXX Account type : Auto Loan Responsibility Individual Date XXXX Status Closed. {$4.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance XXXX Recent payment $ 375 Monthly payment {$0.00} Original balance {$7100.00} Highest balance {$0.00} Terms 44 Months Account info Account name : XXXX XXXX Account XXXX Account type : Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$16.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$14000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account type : Collection Responsibility Individual Date opened : XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2700.00} Balance XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$2700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Note : My address is XXXX XXXX XXXX XXXX XXXX. I have sent a dispute letter in regards to this to Experian and XXXX. This is unfair practice and it violates my right under : 15 USC 1681 622A- Right to privacy 15 USC 1681 604A Section 2 : A Consumer reporting agency can not furnish an account without written instructions. 
I am asking for a monetary fine furnished to me for violation of {$100.00} up until {$1000.00} or a removal off of my Experian and XXXX reports. I do not owe on these closed and charged off accounts