davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (IN)

I obtained a loan from Santander in XX/XX/XXXX. In XXXX of XXXX I became unable to work due to Medical issues. Santander has known about this for nearly a year, and My spouse who is also on the loan is the only one currently employed ; and has been at her employer for 3 yrs. We began to struggle with our monthly payments of {$540.00} on the loan. I have contacted Santander numerous times trying to find a way to get this current and even asked about a refinance ; Santander said they do not refinance their own loans. It is destroying my credit and causing more and more fees to be added to my loan amount. I contacted Santander again on XX/XX/XXXX and asked about a deferment or any type of help to try and bring the account current. I was informed they would NOT assist in any way, and that I must bring my account current and keep it current. This loan is a predatory loan and Santander needs to stop preying on those who are less than fortunate. I explained to Santander that I am currently looking for new employment ; but regardless, there is still an employed person who is listed on the loan ; in fact, my Spouse is listed as the Primary on the loan. We are being forced to continue to go deeper and deeper in debt with this company, and they are unwilling to offer any help ; in hopes to repossess the vehicle and keep us hanging for the balance. This loan is for a XXXX XXXX XXXX XXXX. Santander even sent a letter saying to call them and they may be able to help get the account current ; However, they are only concerned about us bringing the account current by FULL PAYMENT of the  past due amount, not by any assistance they are willing to offer.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX XXXX XXXX  I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Corporate AccountBusiness Card Account layer sort byAmount in descending order Show additional information for activity type Fee {XXXX} PURCHASE *FINANCE CHARGE*PURCHASE *FINANCE CHARGE*XXXX Show additional information for activity type Fee {XXXX} PURCHASE *FINANCE CHARGE*PURCHASE *FINANCE CHARGE* activity type Fee {XXXX} Show additional information for activity type Fee {XXXX} LATE PAYMENT FEE LATE PAYMENT FEEXXXX Show additional information for activity type Fee XXXX LATE PAYMENT FEELATE PAYMENT FEE activity type Fee XXXX I am set up auto payment and have been for years. I called in to question why there was a late fee charge of XXXX? 
The women stated that Bank Of America did maintenance on their system and it lost my auto payment of full each month so she set me up again which I am not confidant she knew what she was doing so I paid the amount on line. Now today, XX/XX/22 she told me she would reverse the late charge of XXXX  but she failed to do so and now they added another fee of XXXX. 
Bank of America has committed Credit Card Fraud.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (MO)

These inquiries did not have approval to run my credit on XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Please remove these from my credit report.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I contacted CFPB a few months back to try to get this negative account removed from my credit report and the representative from Portfolio Recovery stated that they don't remove tradelines after they are paid in full or settled.

After further investigation and looking on their website, which I have included the link to their website facts : https : //www.portfoliorecovery.com/XXXX It states per their website : Do you remove the account from credit reports after it has been resolved?

Yes. Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

I previously paid off my account with PRA. Are you going to remove it from my credit report?

Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

My account was paid in full for less than the full balance but it was not deleted. I am requesting that this tradeline be deleted from a

ll 3 credit reports. Please reference their FAQ 's link on thei
r website as it pretains to removing tradelines after the account has been resolved.
Consumer complaint received 2022-07-11
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. (TX)

I sent my letter off XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letters I sent out and here is the Tracking # XXXX, XXXX, XXXX According to the FRCA The term '' investigative consumer report '' means a consumer report or portion thereof in which information a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything have to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-09
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. (NJ)

There is a completely fictitious address that appears on my Experian credit report. XXXX XXXX XXXX, XXXX, PA XXXX that is linking me to a fraudulent account. I explained to both Experian that the address is fictitious. Experian has refused to remove the address from my credit report. Not only have I never resided at XXXX XXXX XXXX, XXXX, PA XXXX but the aforementioned address is completely fictitious.
Consumer complaint received 2017-06-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (CA)

I have received multiple calls from  XXXX   XXXX  (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  ) They call from  XXXX . He reads off my entire social security number and then tells me I ow e Credit Care  {$4000.00} from an account I had  in  XX/XX/XXXX  that was opened in  XX/XX/XXXX . I inf ormed him that it does not appear on my credit report and that I do not owe that money. He says he has mailed me several letter but I have never received any of them. I asked him to read me the address he mailed them to but he would not. Then he asks for my email so he can send me something but I did not give him that either. Then he said that it is me and that I owe the debt and since it is passed t he Time Barr ed that they will take me to court and get a judgement on my credit. I DO NOT OWE THIS DEBT. My ex wife and I filed bankruptcy many years ago to clear all this up. Then he said that under FTC law they bought the debt and that they can call me anytime to try to collect.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I inititated a balance transfer from my XXXX XXXX to my Citi Bank card using their mobile app. The app instructed me to add the account details by snapping a picture of the card, which I did. I was then given a confirmation that the upload was successful to the account ending in the correct last four digits of my XXXX XXXX, so I thought everything was fine. When I checked the status of it a few days later, I noticed that it was marked pending to be paid to XXXX XXXXXXXX, so I opened a chat with Citi Bank, explained the situation and was told it would be fixed. The next day the transfer went through - to XXXX XXXX. I am being told by Citi Bank that there is nothing they can do to fix it - essentially adding an additional XXXX to my debt. They advised me to call XXXX XXXX, which I did, but they would not help as the account the transfer went to is not mine. It turns out the image taken read the beginning card number as a XXXX when it is in fact a XXXX. This was an error on their behalf, not mine.
Consumer complaint received 2023-03-20
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding tha t a 7  yr clock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.
Consumer complaint received 2022-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

XXXX XXXX XXXX  hereafter ( SPS ) has failed to execute their legal responsibilities to manage and execute due diligence with our mortgage and by doing has has placed us in a harmful and dangerous position due to loss of insurance coverage. 

XX/XX/2022 Request from SPS to provide copy of Homeowners Insurance Policy to SPS XX/XX/2022 Sent via XXXX XXXX XXXX XXXX XXXX XXXX to SPS XXXX. XXXX. 
XX/XX/2022 Confirmed delivery w/signature " XXXX XXXX XXXX XXXX SPS with documents requested. 
XX/XX/2022 Request from SPS for " HOA Master XXXX XXXX ''. 
XX/XX/2022 Phone call with " XXXX '' to inquire about request from XX/XX/2022. Informed were in possession of XXXX XXXX XXXX, just needed the Master HOA policy now. 
XX/XX/2022 Contacted agent XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/2022 Confirmed fax from agent for XXXX had been sent and received by SPS. 
XX/XX/2022 via XXXX mailed hard copy of XXXX XXXX Policy to Insurance Address XX/XX/2022 Received CERTIFIED LETTER " SECOND AND FINAL NOTICE '' from SPS threatening costs to us to purchase insurance for the said property. 
XX/XX/2022 Spoke with SPS Rep who advised uploading documents through portal as " XXXX '' stated our loan shows our insurance policy as " MISSING '' XX/XX/2022 Documents uploaded to SPS via their portal ( THIRD TIME ) XXXX NOTICE FROM INSURANCE COMPANY TRAVELERS CANCELLATION OF POLICY DUE TO NON-PAYMENT BY MORTGAGEE. 

This company has made it impossible to conduct business or to reach necessary personnel to assist you. I spent two days navigating the insurance department phone maze with no success for connecting to a human. I have contacted personnel, I have mailed with proof of delivery receipt documents, my agent for the XXXX has faxed necessary documents with proof of receipt.Now we are in a very dangerous position should we suffer any sort of loss due to their continued intentional negligence with regard to our mortgage. 

They have failed to exercise their legal responsibilities and duties according to law. We kindly request an investigation and answers. We have exhausted all our possible avenues and are not receiving adequate responses or assistance. 

Thank you in advance for your help.
Consumer complaint received 2022-02-17
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. (MI)

I sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX Reference number : XXXX Date Filed : XXXX XXXX XXXX  XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$520.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2500.00}
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SHABANA MOTORS (TX)

I have notified XXXX as well as Shabana Motors to inform them that neither of them entered a notice of dispute for this account when it was disputed in XX/XX/2021, XX/XX/2021 and XX/XX/2021. I informed them they were in violation and yet the account continues to report while they are both in violation of the FCRA. Each time I pulled a new report the I have proof the notice was never entered by either the original creditor or XXXX. They simply have refused to comply and I have not gotten anywhere with either company. it is repetitive disputes to no avail with them simply not being compliant!
Consumer complaint received 2018-10-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l. (NY)

XXXX XXXX XXXX is the second mortgage on my property. The first mortgage, XXXX XXXX, has agreed to a short payoff settlement. But, XXXX XXXX XXXX has not responded with a short payoff letter so that I can move forward to refinance my property. 

I have been negotiating with XXXX since XX/XX/2018. Three months later there has been no response. I had to file bankruptcy to keep from the property being sold at a foreclosure auction. I do have refinance money in place. The mortgage company has offered XXXX {$70000.00} as a short payoff amount but the representatives have not responded almost three ( 3 ) months later. 

I need this resolved soon or the bankruptcy will not continue to give me extensions.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Well once again here I am seeking help with the OCWEN customer service, now we are being sent registered mail twice a month and have them coming out 2 times this month for a mortgage inspection and twice for pictures, I have asked for the information on their contractor that is driving around out property without permission so I can file a criminal trespass complaint with the sheriff 's dept and they refuse to do so and this contractor refused to identify themselves while throwing an envelope at my wife and running off the porch, please bear in mind that this property is 15 miles out in the middle of nowhere, I hope you can understand why we are a little jumpy with strange people and cars running around. I was informed that we would be charged the certified mail charges and for the title searches and property inspections, as many, as they see fit to perform a month. And now when I call in my number has been fenced out of the automatic Identity system and I have tried calling several times and get a recording that no one is available to help me. to call back, This is ridiculous harassment does not even begin to describe what we are living through.Since my complaint to the CFPB, it seems as though that we have entered into an area where our rights as property owners do not matter. Please do not refer this complaint to the OCWEN lip service or as they call it the ombudsman, I expect the complaint to be handled at the highest level to get us some relief from the stressful situation that this GLOBAL company is creating.
Consumer complaint received 2022-07-25
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instruction.

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 an account without my written instruction.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I logged a complaint with you : XXXX. Chase received it and sent a letter to me about it back in XXXX. It is now XXXX and I have heard NOTHING SINCE. I contacted them and left messages and no one responded and the general line claims they can not patch me through because that department doesn't have phones, which is an outright lie, since they provided me with their number, which they never answer. 

I JUST WANT MY MONEY BACK!!!!
Consumer complaint received 2018-10-27
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. (PA)

I was XXXX for five years. I was released XX/XX/2016 from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2018-10-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (NJ)

This company is claiming to be a third party debt collection agency for a debt that I owed to a different company for an Installment loan. I have hired a law firm to settle the debt with the original creditor. I have received many phone calls from a woman claiming that she can settle my debt for a fraction of the original amount. I have told her multiple times that I am handling this through a law firm and that I do not wish to receive calls from her any more. I have researched the company she claims to represent and have found many scam reports associated with her calls. She has also called my parents home number and my brother 's cell phone in attempts to get in contact with me after I have ignored the phone calls.