davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (FL)

I was involved in a total loss accident on XX/XX/19. I settled with XXXX less than 24 hours post accident. It took the finance company just shy of 90 days to send everything needed to GAP Insurance. GAP settled in under 24 hours after I contacted them and then the finance company yet again. I have had to rent a car 3 times! My wife is a Transplant patient and we have been over 3 months without a vehicle all due to the negligence of this finance company.They have reported late and not accurate causing my credit score to plummet from 700 's to the 400's.As it was on it's way back up, it was reported more balance owed after a decrease which cost me 40 more points.The balance owed is not right no matter who adds it up. I tried to ask for supervisors and get hung up on or talked down to. Now they will not take my calls and will not fix my credit so that I can go and finance another vehicle. This is ludicrous! The only thing they keep repeating was that it is interest due.So in essence more than {$5000.00} went to interest in the past 3 transactions and then they are showing some {$2200.00} owed, again for interest.Their records show that I was given back late fees, yet it was never corrected with the bureaus. When I asked about that, a supervisor told me I have to formally challenge that with proof of loss, and all the documentation related to this account.IT IS THEIR COMPANY! They finally submitted the updates to the bureaus but they sent in the wrong balances and again never corrected the late reports. After originally showing a large pay down, they then sent an increase in loan amount which caused the points I just got back for pay down to be erased. They would not accept my call today. I feel it should be the total amount owed, the total insurance payments applied, credit for the correct service contract amount, and then you have the number owed. That is how it should have been done.Plain and simple they played with the money for 90 days!
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (HI)

I had not used my Nordstrom credit card in a long time and in fact had misplaced it. I called to have a replacement card sent and waited for it to arrive. It never did. I called once again and requested a replacement and it finally arrived. The automated service was painful to navigate. 
I made purchases with my card. I called to activate my card and to activate XXXX XXXX. I asked about setting up auto pay and was told I had to do that through the website online and was given the website address. 
XX/XX/XXXX - I set up auto pay and made a payment for the full balance ( {$38.00} ) on my account through the website. 
I received the first billing statement dated XX/XX/XXXX for {$210.00} and there was a late payment posted along with a late payment fee ( interest charged {$3.00} ). Of note, the statement showed that a payment for {$38.00} was made. I then also received two letters by regular mail, both dated XX/XX/XXXX notifying me that my payment was declined and that I was unenrolled from auto pay. 
I called customer support to try to resolve this and was informed that my telephone number was listed as unreachable. I made a payment for the full balance of {$280.00} ( numbers dont add up ) on XX/XX/XXXX through the website and reenrolled in auto pay after confirming that my bank information is correct. 
Next billing statement on XX/XX/XXXX, the payments were declined and interest charged at {$4.00}. Attempts at resolving this over the phone failed. I was told I had to go to a store to make the payment. I returned some of my purchases and called to see if balance had XXXX. Then I was told I can pay the balance remaining over the phone. I paid using a debit card and requested my account be closed completely as I did not want to go through this every billing cycle. 
I applied for a credit card through XXXX on XX/XX/XXXX and was informed that Nordstrom had reported that I made a late payment so my application was declined. 
Multiple attempts with Nordstrom to have them delete this from my credit report failed. They said the reporting is accurate and that they tried to collect payment from my bank and failed. I informed them that no such attempts were made through my bank and asked them to provide proof of them trying to collect, they could not provide proof. They could also not provide proof that my bank information was incorrect. 
I feel it is unfair for me to be penalized and my credit damaged by a company that has a malfunctioning payment system that engages in fraudulent charging of late payment fees and malicious and vindictive behavior toward consumers who choose to terminate their financial relation with them.
Consumer complaint received 2021-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA ()

FedLoan has been denying my XX/XX/XXXX certification, citing issues that simply are not true. They have returned my most recent form for missing information which is clearly visible, and refuse to practice the most basic customer service in regards to follow-ups with issues. Everything simply gets kicked back to me because they do not feel like processing my certification.
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC (MD)

I was reviewing my credit report and saw that a company by the name of Financial Management Solution was listed on my credit report stating that I owed XXXX XXXX XXXX {$3500.00} dollars. I was angry because I have never received any notification about owing any money to this apartment complex. I do remember living and moving from their complex back in 2013. I disputed this claim on XXXX web and XXXX wesite and ask them to provide me from the collection agency proof of this debt and how I came to owe this but I have received nothing. Nether credit bureau will say how I actually owe this money they just keep the collection listed on my credit report not explaining what happen in the investigation There is no court documents or anything. I believe the reason why they have done this is because while I was living there the apartment had many housing violations and I filed a complaint against them with XXXX XXXX 's County Government, Property Standard Division. The inspector charged and fine them and they in return ask me to move and so I moved to where I current live now but prior to me moving here the XXXX XXXX XXXX  manager lied on my verification form of my residency with them and stated that I was participating in criminal activity to hinder me from getting my apartment at the XXXX XXXX XXXX ; but it did not work because they lied and the manager did not believe them. So they have place this on my credit report in retaliation. I have documentation of all that I have stated I will mail the documents to you.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of {$840.00} as of XXXX2017. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the Attorney General is upward of 31 states including my State Indiana, debts that do no derive from consumer credit transactions should not be reported to CRA ( credit reporting agencies ). XXXX XXXX & Experian are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider ( Dept of Veteran Affairs )
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (WI)

XXXX  account through Comenity Bank on credit bureaus states XXXX account is open with a credit limit of {$500.00}. I did not receive documentation from XXXX indicating the account was closed. On the retailers website the account was listed and open to XXXX financing. On XX/XX/18 I called XXXX to follow up on a complaint I had in the ability to place a order. It was confirmed last week that the account was open. mgr XXXX XXXX called Comenity Bank spoke to a agent and then connected myself, himself and the Comenity rep together. The comenity agent said I had not used my account in a while and needed to ask me a couple of questions before he can allow me to use the XXXX credit limit all the while the XXXX rep was on the phone listening. I feel because I had initiated a call last week and my negative interactions with XXXX, XXXX I strongly feel I was discriminated against in being granted my credit being restablished.
Consumer complaint received 2020-02-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

In early XX/XX/2019, the XXXX XXXX was going to go through a XXXX. I received a call from LoanCar saying that LoanCare that because I am a XXXX XXXX, LoanCare offers me a break - and that I don't have to pay my mortgage for the next 90 days. I took the offer and when the 90 days ( 3 months ) were up, I thought that I would resume my regular monthly payment - but instead, I was asked to pay the total owed for the 3 months ... That was a shock to me. Then finally in XX/XX/2019, after I couldn't qualify for a loan modification, I entered in a re-payment plan with LoanCare starting with an initial payment of {$7900.00} and 5 additional payments of {$3700.00} that ended in XX/XX/2019 and resume my normal payment of {$2600.00} in XX/XX/2019. 

The first payment, {$7900.00} was made on XX/XX/2019 ( See attached bank statement pg 6 of 10 ). With  a due date on the XX/XX/XXXX of each month, all subsequent payments were made and received by LoanCare before the due date ( See attached proofs of payment from XXXX ) Despite having received all my payments, and despite numerous faxes of proof of payments directly from XXXX to LoanCare, LoamCare repeatedly denied receiving my money ( See attache mortgage statements from LoanCare ). I have contacted LoanCare numerous times. Each time, each representative gave me a different story. The last representative confirmed that they have never received payments for XXXX, XXXX and XX/XX/2019. I am so tired of this stupidity and the running around they gave me, I sold my home this past XX/XX/2019. I have requested LoanCare to give me a payoff statement by crediting all the payments I made. They didn't bother with the correction and charged me {$5000.00} and a late fee of {$470.00} I am filing this complaint because LoanCare 's failure to properly credit my account, incorrectly charged me {$5000.00} and late fee even though all payments were made on time. In addition, LoanCare repeatedly notified the credit bureau that my account is seriously delinquent or late. Consequently, my credit score dropped from the high 600 to about 400. 

I request your assistance and demand LoanCare to fix all these mistakes and refund the uncredited money and late fee to me - and notify the Credit Bureau that all prior reports were false and all payments were made on time. Before filing this complaint with you, I have also made several requests to Loancare but received no response ( see attached correspondence to LoanCare ) I don't understand LoanCare 's ill intent, but Loancare did the very same thing to my other account which you will be receiving another complaint from me. This whole thing is terrible. I lose a lot of time ... It stresses me out ... 

My contact is XXXX Tel. XXXX
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX   XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED XXXX
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

I have a mortgage loan through a company name Ameris Bank, since I start this loan I always gets an amount of monthly payments of XXXX $ ( I been paying this amount since the beginning of the loan ), the first week of XX/XX/XXXX the bank notify me that my monthly payments will jump to XXXX . At the moment I called the bank the only explanation I received was : you are short on the escrow because the county taxes increased from {$690.00} on XXXX to {$3800.00} on XXXX. When I explain that I understand the shortage but I found an extra {$99.00} over the new mortgage statement, they start to give me complicates explanations and my only two solutions is pay the new monthly amount or pay the projected low point of {$5100.00} to come back to the former balance. Now if the Principal and Interest is lock on {$1000.00} monthly, the Hazard Ins is {$840.00} ( {$70.00} monthly ), the Tax is {$3800.00} ( {$320.00} monthly ) and the unpaid Tax amount for  XXXX is {$3800.00} " less the amount I already paid for XXXX Tax of {$690.00} '' the Tax deficit for XXXX is {$3100.00} ( {$260.00} monthly ) and the Required Reserve Balance is {$780.00} ( {$65.00} monthly ) the total is {$1700.00} per month, resulting in a different of {$99.00} per month a total of XXXX per year.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America still refuses to give me the cash rewards that it admits I earned. The sum is {$240.00}. I made a trip to its branch in XXXX, New Jersey and two trips to its branch in XXXX, New Jersey. The Bank of America marketed to me that the rewards program was " easy '', that redemption of cash earned would be " easy ''. Nothing of the kind! 

All I get are words and promises from the bank employees but no cash rewards! 

The cash rewards should have been immediately given to me. It is now nearly seven ( 7 ) days later and still no cash rewards given to me that now total {$240.00}! 

Is it that the Bank of America is so greedy for money that it refuses to turn over to me my cash rewards of {$240.00}! 

My fear is that the Bank of America shall because of my complaint to you close my accounts. That would be a most serious matter-an obstruction of justice and interference with government! Both are felonies!
Consumer complaint received 2017-11-08
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. (MD)

I initiated a dispute with XXXX XXXX on XX/XX/XXXX for a debt listed on my credit report owed to XXXX XXXX XXXX for an original debt owed to XXXX XXXX in the amount of {$2300.00}. I stated that I have never held any account with XXXX XXXX. 
I received documentation back from XXXX XXXX on XX/XX/XXXX stating that they had contacted XXXX XXXX XXXX and were advised that the account was accurate. 
After receiving this documentation I contacted XXXX XXXX XXXX directly by telephone today ( XX/XX/XXXX ) and was informed that they would open a dispute of this item, which was for a cell phone account opened on XX/XX/XXXX for a cell phone number of XXXX. I informed XXXX XXXX XXXX that I have never applied for or held an account with XXXX XXXX and have never had that telephone number. XXXX XXXX XXXX stated they would open a dispute on this item and to contact the Federal Trade Commission  online to report the information which led me to this website.
Consumer complaint received 2020-02-18
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. (AR)

I pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspended that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$0.00} XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX XXXX/XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$150.00} XXXX XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER-XXXX XXXX
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

I have separated from my partner and am planning to take ownership of our home, buying out his interest in the property. I contacted my lender, Santander Bank, who said that my mortgage type isn't eligible for assumption ( it's a conventional loan ) because it's a " portfolio '' loan. They said it has nothing to do with either of the borrowers on the note.

However, my federal loan disclosure provided at the time of closing indicates that my loan is, in fact, an assumable loan. There is clearly a discrepancy here. If the loan has never been an assumable loan, then Santander falsely disclosed that my loan was eligible for assumption.
Consumer complaint received 2023-11-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (PA)

I have a dental first loan from Commenity bank, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX. I was at the dentist and the dental office suggested i take out this financing. I sign up for this financing at the office with no paperwork to read or know any financing traps this bank has. I have only spent XXXX on this and they slapped a XXXX finance charge on my account in XXXX. I did not approve or was aware of all this balloon interest or I would have never signed up for this at the dentist office. Nothing was explained to me about this account except it would be a supplement to my dental insurance. I saw no paperwork! This bank refuses to remove this XXXX and i refuse to pay XXXX for XXXX. 
I will provide documents when asked. I am waiting for mail from them. I will print out my statement.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

WELLS FARGO HOME MORTGAGE XXXX XXXX XXXX XXXX XXXX, IAXXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$120000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$110000.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 29 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Conventional RE Mortgage Date of First Delinquency : N/A Comments : Fixed rate
Consumer complaint received 2017-05-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I checked my personal credit report and I found that there were things on my credit that do not belong to me. So i submitted dispute request and nothing has been done yet. I would like this information to be removed from my credit
Consumer complaint received 2020-02-18
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: Santander Consumer USA Holdings Inc. (CA)

Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three ( 3 ) written requests, the unverified and FRAUDULENT items remain on my credit report in violation of Federal Law. I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report 3. Asked for Validation of the account with my original Signature as I did not sign for this loan.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately. Attached are the proof ( s ) of fraud.
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have not received my {$200.00} bonus for opening my account and making a {$500.00} direct deposit per the requirements. The 90 day wait period after the deposit has passed. See flyer attached for the promotion that I enrolled in and my offer code was XXXX.