davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from Santander Bank I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to Santander to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

Santander LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out Santander changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, XXXX and XXXX to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

Im not liable for this debt with XXXX XXXXXXXX XXXX nor do I have a contract with XXXX XXXX XXXX. 
They didn't not provide me with the original contract as required.
Consumer complaint received 2022-12-05
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. (PA)

Under 15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave this reporting agency any written consent to report anything on my consumer report. No consent is illegal and is considered identity theft under FCRA. I am also the CONSUMER which means under law, I am the only person able to validate any debts which I do not validate here. Because of this, I demand the deletion of the missed payments on this account : XXXXXXXX XXXX XXXX C Since you are in violation of my consumer rights, I demand action to be taken immediately. If no course of action is taken immediately upon arrival of this letter, I will be filing a complaint with the Attorney General, and the FTC for identity theft on your behalf. In accordance with 15 USC 1681n you are civilly liable for damages so I will be seeking monetary relief if no action is taken immediately.
Consumer complaint received 2019-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

My loans with Navient increase periodically, and I am making payments timely and in amounts greater than the minimum payment. I have spoken with them and they claim that this is from compounded interest. I explained that there should not be any compounded interest on these loans as I have not missed any payments. Originally the dates they said that they compounded my interest were dates I was attending college full time. I told them that and asked if I sent them proof, could they reverse it. They told me no. I GAVE UP! Then I got my most recent bill and it appears that my balance has gone up slightly again. I have not missed a payment and again I am paying amounts greater than my minimum payments each month. How is this legal? At this rate I will never get these paid off! 

XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

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

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance {$120.00}
Consumer complaint received 2022-01-22
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: PNC Bank N.A. (IL)

PNC Bank keeps harnessing me, and defaming me on my Credit report for a vehicle, and a debt that I am not legally responsible for since they failed to go retrieve the Vehicle from the City Of XXXX. PNC Bank did not file Claim with the City, and relinquished the vehicle to The City of XXXX whole Sold this vehicle while the PNC Bank held the Title to this Vehicle. Im not allowed to legally discuss this because its pending current litigation, and awaiting Supreme Court hearings. You may reach out to my Lawyer XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX PNC Bank held the title to the Vehicle, and could have retrieved this legally under Federal Law, and Chose not to, and could have went after the City since the City sold their Legally held asset. Instead they have decided to come after me, and place this on my credit file, as a repossession when the vehicle was never reposed, and resold by the City. The City of XXXX has a resale Certificate which can be provided by my lawyer. PNC Bank keeps putting this charge onto my Credit report every time I challenge it, and they'll put it back on in another way thus lowering my credit score by XXXX points each time. Ive been XXXX  for five years, and my Credit score dropped to XXXX because of this five years ago. Ive been attempting to repair my Credit while waiting litigation in Court that I'm sure will recover the cost of the Vehicle but PNC decides to keep slandering me, and keep hitting my credit report fraudulently each time, and the Credit agency 's allow this, and I keep challenging this. I can not progress in life or live life as a normal person because of this. This keeps me XXXX since no one will rent me an apartment. I have a right to shelter based on the XXXX  XXXX act, and PNC slander, and fraudulent activity of posting this multiple times when they have knowledge that there is current pending legal action makes them accountable under law. If you require any legal document please reach out to my lawyer, Im not allowed right now to go deeper or to release any information since it is pending Court Litigation.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have recently been trying to obtain a consolidation loan. I have repeatedly been denied and when I check the reasons for my denial, the responses include : Serious delinquency and too few accounts currently paid as agreed. These are false statements because I have an exceptional payment record according to my actual credit reports that I have sent for, as well as credit monitoring on XXXX XXXX and XXXX XXXX. I have repeatedly called all three credit bureaus asking why they keep giving these responses to the lenders I apply to but they have no answer to give me. I realize my credit score is not yet at 700, but it is not because of serious delinquency or too few accounts paid as agreed. These are most definitely false statements. I will agree that my proportion of balances to credit limits on bank/national revolving accounts is too high, however that is why I am applying for a consolidation loan. In addition, the credit report states that the proportion of loan balances to loan amounts is too high. This is also untrue as my XXXX loan has gone down from {$7000.00} to {$4500.00}. I am currently paying on a car loan, however the balance has taken a long time to move because I had to pay for GAP insurance coverage first before I could start paying on the principal. I feel these false statements are very unfair and unjust.
Consumer complaint received 2022-01-22
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. (FL)

I am a victim of identity theft. I have filed numerous disputes with the credit bureaus. I have not received a response from the credit bureaus and it has been over 60 days.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (FL)

I checked my online account three times XX/XX/2022 my water bill payment wasnt processed yet so I was going to deposit the funds XX/XX/2022 in the morning. I checked my account at XXXX and the payment was processed and a overdraft fee charged. It showed XX/XX/2022. I believe regions processed the payment at XXXX XX/XX/2022 and charged a fee the same time. Giving me the consumer no opportunity to deposit cash to avoid the fee associated. I spoke with the assistant manager at the XXXX office in Florida and she said I could come in and she would review the account because regions can waive one fee a year. I went in and she tells me its a rolling calendar year. She has no access to override it. I have an account with XXXX and this never Happens ever.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sent dispute letter back in XXXX then again in XXXX but no changes this is destroying my life. There are too many loopholes and stategies in the system I am XXXX citizen Father of XXXX who works extremely had for everything I have today. This Collection was placed months ago but with work and not monitoring the credit I didnt Know of it. I believe this could have been onXXXX of my fellow family members using my information but I personally never lived in New york. This account is not mine simple, information on the account is the following : XXXX XXXX Date opened : XXXX XXXX Status date : XX/XX/2021 XXXX charge account-collection
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company COLLECTION ( Original Creditor : COLLECTION ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-03-13
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. (AL)

Every account that is reporting negative on all three of my credit files should be removed. Also the addresses. I have only lived at one address. I am enclosing proof. The bankruptcy that are reporting is inaccurate. The Bankruptcy Court does provide information to the Credit Reporting Agencies and XXXX states that it has removed it. Why is it still reporting. I am enclosing copies of police report showing I have been a victim of identity theft and all these negative accounts should be removed immediately.
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

I am seeking assistance as I feel I am being taken advantage of by my current mortgage company. In 2019, my husband and I experienced a financial hardship as a result of our daughter needing XXXX XXXX XXXX. We were behind on mortgage payments as a result of medical expenses. I requested a loan modification through Selene Finance. Their modification ended up being more than my current mortgage payment which I could not afford. In XXXX of 2019 I took out money from my XXXX to pay the full amount that I owed Selene and to get us up to date. When they recieved that payment, they told me it was not enough to bring me up to date, and I owed them XXXX additional payments. In XXXX, I took out more money and paid them a lump sum again. The following month I sent my mortgage payment early so that I would continue to be up to date. Mysteriously, they did not receive my payment. When I called them to inquire about it, they told me it must have been lost in the mail. Their representative told me to contact my financial institution and put a stop on the check ( which I did ). The same day I went on their website and paid my monthly payment. Amazingly the following day they happened to find the check that was lost and they told me to stop payment on, and they attempted to cash it which resulted in a bunch of fees for me as well as now being recorded as another missed payment. As a result, I can never get up to date with this company. In XXXX of that year, they restricted my use of making payments online so I am no longer able to do that. In addition, the company never pays my property taxes on time, or if they do it is not for the full amount. Recently my mortgage payment has gone up by several hundred dollars and I am not sure why as the company is constantly charging me what they refer to as advanced fees. Also, during the month of XXXX I sent them my monthly payment which they returned because I did not add in their additional fees. I sent them another check for the entire amount which was returned to me again stating that I must now submit all payment via certified check. This company makes it impossible for people who were in a bad financial situation to get caught up and be up to date on their mortgage payments. I feel as if the company is designed this way. To constantly keep you in debt. As a result, I have terrible credit and can not even switch to a different mortgage company as a result.
Consumer complaint received 2021-05-11
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. (FL)

On XX/XX/2020 my wife and I are senior citizens and were victims of a fraudulent transaction. We both attended a presentation in XXXX XXXX, Floriday by XXXX XXXX XXXXXXXX  of XXXX  Missouri. As a result of fear and high pressure tactics over more than 3 hours, we were forced to sign a contract in the amount of {$17000.00} to exit 2 timeshares for which we had originally paid {$15000.00}. The transaction included charging {$3000.00} to an existing Chase credit card in the name of my wife, XXXX XXXX XXXX, and then opening up 2 new credit cards of {$7300.00} each with XXXX XXXX XXXX in my name and with Chase in my wife 's name, for a total of {$17000.00}. The premise was that our children would be liable for thousands of dollars of maintenance fees which would be taken from their estate after we were deceased. We were assured that the intire process consisted of sending a form letter to the timeshare companies to which they were legally obliged to respond, and that the entire process should only take about 90 days. In the event of a rare problem, it might take up to a year, but thay were offering us a money-back guarantee. We signed the enclosed documents, and I began following up monthly at the Call Center telephone number at XXXX XXXX XXXX that they had given us. Each time I was told that the timeshare companies had not responded to their letters. In XXXX, I called 3 times and could not get any reply so I became alarmed. I then began a XXXX search and discovered that XXXX XXXX XXXX was part of number of timeshare exit companies being sued by the Attorney General of Missouri for fraud, including XXXX XXXX XXXX. I then opened disputes with the 3 credit cards. XXXX XXXX XXXX resolved the dispute in my favor within a month and refunded to me {$7300.00}. Chase did not. After 4 months our dispute was denied with no explanation. Enclosed please find a copy of our contract, a news report showing that the Missouri Attorney General is suing XXXX XXXX XXXX ( among others ) for fraud, and a letter from the Missouri Attorney General referring our complaint to the Enforcement Unit for action. 
The XXXX XXXX XXXXn Group and its afilliates XXXX XXXX XXXX  and XXXX XXXX XXXX  are parts of a criminal racketeering enterprise which has defrauded hundreds of seniors of their lifetime savings. I demand that Chase refund our money immediately. 
Since XX/XX/2020 we have received no communication from XXXX XXXX Protection of any actions taken by them to resolve this issue, including documentation of escrow funds ( as requuired by law ) nor any correspondence to and from the timeshare companies. I am reporting them to the FBI for prosecution and to the Attorney General of Florida.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NM)

I receive SS and a pension from XXXX. I also received stimulus checks. I got a netspend card I did not apply for or request The company has done data mining and targetted me. They eat at peoples money with fees
Consumer complaint received 2022-10-12
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. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX  XXXX XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, and XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Amount : {$0.00}.
Consumer complaint received 2022-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (MN)

Collection agency, WAYPOINT RESOURCE GROUP, suddenly appears on credit report as of XX/XX/2022. 

XX/XX/2022. - opened dispute with XXXX to investigate inaccurate collection. Estimated completion time was expected XX/XX/2022. 

XX/XX/2022 - XXXX day later, XXXX says they Verified debt was mine, but does not provide any information to me as to how they verified the debt was mine, as it is not my collection debt.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NJ)

These student loans have been defaulted for years due to amount unable to pay. These accounts were closed and due to be removed however they were reported active after 8 years nonactive. This is past statue of limitations and should not have occurred. 
Please help. 
This school previously attended in which loans are from are from a closed down school back in 2007 due to fraud against students. XXXX XXXX
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AN ENORMOUS AMOUNT OF PROBLEMS seems - to have started when something went wrong with XXXX account at XXXX XXXX! 

It was a Checking Accnt. I was using that account to make automatic payments to a lot of Credit Card XXXX. 


When something went wrong with that checking account at XXXX XXXX- it caused things to go wrong with payments to Credit Card Companies! 


Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 

Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 

Maybe all over XXXX XXXX? 

How many Companies??? 

Strange thing- if something goes wrong with XXXX account - if it is a checking account- it can spread a lot of problems to a lot of companies! 

I will file a more detailed complaint when I have more time & more energy! 

When I have better health!