davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received an electronic statement from Kohl 's on XX/XX/2019 indicating that my account payment was overdue. Prior to this message, I had not received either and electronic or paper statement indicating that I had any charges that were due. The online account showed 2 statements ( dated XX/XX/2019 and XX/XX/2019 ) with late charges and interest penalties added to the balance due. I called Customer Service to let them know that I had not received any statements prior to XX/XX/2019 that informed me that I had a balance due on my account. Kohl 's Customer Service representative said they could remove the late penalties but not the interest charges. I asked for a revised statement reflecting the amount owed based on my actual purchase and they refused to send me anything or post a revised statement on my online account. They said the payment transaction had to be done over the phone. I asked to speak with a supervisor and to be connected to the credit card/billing department directly because I wanted to resolve this without impairment to my credit rating. I was denied both requests. I asked for documentation to be provided to me that showed Kohl 's had sent me an electronic bill prior to XX/XX/2019 and they said they didn't have those records. I paid the amount owed on my account ( without penalties and interest charges ) and I received a letter dated XX/XX/2019 ( the same day that I called Customer Service ) from the Collections Department stating that my account was delinquent and that I had to notify Kohl 's to dispute the validity of this debt or any portion thereof.
Consumer complaint received 2019-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (PA)

In 2015 my XXXX that was financed through XXXX XXXX XXXX had an engine problem. This was supposed to be covered under my warranty however for weeks we continued to get the run around and were without our Jeep for over 5 weeks. XXXX who also handled the warranty stated it was user fault and would not cover the repair. The engine was clearly faulty as we only held the XXXX for less than 2 years. We appealed and during that time the XXXX was taken as repoed from the dealer where the XXXX was at waiting on word from the appeal for repairs. After it was denied again we could not get it back. No letter of intent to sell was sent, no letter of intent to repo was sent and the company was well aware of what was going on as their warranty department was handling the claim. The loan still reports on my credit with a higher balance than what we owed when the XXXX was taken how is that even possible to owe more? No deficiency balance fees were added to balance and it is ruining my credit still till this day. The XXXX was sold clearly but yet my balance still reports as higher than when I held the vehicle. This was a gross mishandling of fair credit acts and reporting. I want this removed from all 3 credit reporting agencys
Consumer complaint received 2019-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

AFNI collection company has placed a collection on my credit reports that I do not owe. The original fault belongs to XXXX XXXX XXXX. The amount is for {$240.00} and originated from a false claim for monies due in XXXX, XXXX but was placed on my credit report on XX/XX/XXXX. In XXXX of XXXX, we switched our cellular service from XXXX XXXX XXXX to XXXX. I paid the amount due at that time and was told the account was closed and that there would be no more charges due. A month later I received a bill from XXXX XXXX XXXX for another month of service. I called them and they agreed that they saw notes where I had closed my account and paid in full and it should not have had charges after that. The representative told me she couldnt remove the charges but would have their billing dept remove it. A month later we got another bill for the same amount. I called again. This rep also told me it wasnt owed but it would have to be sent to the billing department to have it removed and that it would be no problem. I never received another bill and assumed it was taken care of. Two years later they addd it as a collection, via AFNI, on my credit report. I do not owe this bill. I believe they were angry I switched to XXXX and charges out another month and just expected people will pay it to get out of it.
Consumer complaint received 2019-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I received a collection notice from Radius ( 2nd collection agency ) on XX/XX/XXXX. The debtor description listed XXXX XXXX yet I've never had any account with XXXX. I called XXXX and learned that the account was opened by XXXX on XX/XX/XXXX by someone using my old name ( changed in XX/XX/XXXX after marriage ), a fake email address and phone number. I didn't open this account. The account was apparently closed in XX/XX/XXXX at which time XXXX sold the debt in the amount of {$980.00} to Jefferson Capital Systems on  XX/XX/XXXX ( 1st collection agency ). I never received any invoice or collection notice from XXXX or Jefferson Capital Systems. The first time I learned of this was when I received the collection letter from from XXXX. I filed a police report on XX/XX/XXXX and it was approved on XX/XX/XXXX. I've pulled my credit reports and observed no suspicious activity. Through the FTC/Identify Theft.Gov, I submitted all appropriate paperwork and demand letters to XXXX, both Debt Collectors and all Credit/Reporting Agencies. All aside from Jefferson Capital Systems have responded and wiped out the debt/resolved the issue. Jefferson Capital continues to pursue collection of this falsified debt. I have all documentation related to this matter. Please help me.
Consumer complaint received 2019-10-19
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. (TX)

I have contacted equifax about inquiries made on my account. I explained to them that I in the military and I was XXXX from XX/XX/XXXX to XX/XX/XXXX. There is no way that I was able to make credit inquires on my account : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2021-11-16
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. (MS)

I declare that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to file this dispute. The items found within my credit report that I listed on the following pages are not related lo any transaction that I made, I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the Federal Trade Commission which I have attached to this letter. In addition, I have also corresponded with the agencies and creditors listed. The respective agencies have been very cooperative with me and have guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you do so for. I want to make it clear that I am not making this request in error I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.
Consumer complaint received 2021-11-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

This loan was deemed fraudulent it was taken out with my father who had XXXX at the time there was six loans taking out within less than six months within the back bank it was claimed to be fraudulent and everything was OK going along then my father passed away the house was given to me and now the loan was sold to another loan company and now theyre for closing on the house I really do need some help and I do have paperwork I need to talk to somebody I feel like I am being taken advantage of just like my father this house was bought in 1980 and my family live in it my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX my email is XXXX Telephone number is XXXX I can Explain mychbetter but Im just getting over XXXX
Consumer complaint received 2019-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

I contacted XXXX  regarding a collection bill of {$470.00} appearing on my credit report. The report had no information only it was from a medical bill. unknown hospital, type of service ect.. I tried reaching out to what was listed on my report as Medical Bill and used the number XXXX provided. The answering machine identified the company as being C.I. B. I left messages but to no avail. 

This is a false collection charge being placed on my report and the reporting company is not responding to voice messages.
Consumer complaint received 2021-11-16
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. (VA)

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent an online investigation to this credit bureau. I disputed a lot of accounts & inquires on my report that I do not recognize. I believe that this company did not conduct a proper verification. The notes said the inquires were factual records. But I don't have any information on where they came from. I wrote the companies, but I did not receive a reply. I want a proper verification conducted and now I want all open accounts, collections, inquires, and judgements verified. I also want to know how these accounts are verified. I think I am within my right to ask how their 3 rd parties verifies information as well. I did contact the bankruptcy court who informed me that they do no provide information to 3rd parties. So I definitely want to know ( 1 ) the name of the person who went to the courthouse, ( 2 ) the name, job title, and phone number of the person whom they spoke to, ( 3 ) and I want a copy of all documentation presented and received. I am still concerned about identity theft and fraud since I am past victims. In the past, my exhusband information was comigled with mine and it took forever for someone to fix it. I do not want someone using my information to credit fictitious accounts to hurt my credit.
Consumer complaint received 2019-10-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo sent me a loan cost approximation document and told me over the phone they offer certain rates. I then proceeded with the loan estimate and they ran my credit ( which is over 800 ) and they gave me an estimate nowhere near what they told me or near where another lender was after they told me they would at least match it. 
The representative also didnt disclose that there were buy down points involved and he deliberately omitted the line item which is supposed to show what youre paying for the rate reduction. He just put the rate with the closing costs so you have no idea what youre paying for exactly. Its confusing to say the least and Im a XXXX graduate.
Consumer complaint received 2017-11-06
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: BB&T CORPORATION (TX)

CRA - Inquries are not mine. No knowledge. 
BB & T, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-19
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 had tried using chase credit card to purchase something from XXXX, but when I got the order the sunglasses what I ordered did not look brand new and was pretty evident it was used where as the description on the site said new! 
I called up XXXX and they said return the product and we will issue a refund.The sunglasses were returned back and now XXXX says they will issue me a store credit forcing me to buy something from them where as, I as a customer dont want to buy anything from XXXX as I feel their products are not as per the mark they advertise on the website. 
I disputed the charge with chase asking them to get the money back on my credit card and I dont need a store credit as the customer service rep from XXXX informed me the money would be refunded.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I sent an online investigation to this credit bureau. I disputed a lot of accounts & inquires on my report that I do not recognize. I believe that this company did not conduct a proper verification. The notes said the inquires were factual records. But I don't have any information on where they came from. I wrote the companies, but I did not receive a reply. I want a proper verification conducted and now I want all open accounts, collections, inquires, and judgements verified. I also want to know how these accounts are verified. I think I am within my right to ask how their 3 rd parties verifies information as well. I did contact the bankruptcy court who informed me that they do no provide information to 3rd parties. So I definitely want to know ( 1 ) the name of the person who went to the courthouse, ( 2 ) the name, job title, and phone number of the person whom they spoke to, ( 3 ) and I want a copy of all documentation  presented and received. I am still concerned about identity theft and fraud since I am past victims. In the past, my exhusband information was comigled with mine and it took forever for someone to fix it. I do not want someone using my information to credit fictitious accounts to hurt my credit.
Consumer complaint received 2019-10-19
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. (FL)

I have been a victim of Identity Theft through a data breach at XXXX XXXX. The accounts I have identified and notified Law Enforcement of on my credit report are truly fraudulent, I XXXX XXXX, do not relate to any of these transactions that were made or were applied for and resulted in hurting my credit score which I highly value. Despite prior disputes Transunion has not blocked, removed, updated or deleted this information pursuant to section FCRA sec 605B and 15 Code Section 1681, once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. These are the accountsIve identified as fraudulent to law enforcement : US Dept of Education : 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 2018-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Worldwide Recovery LLC (OR)

Harassing phone calls told them to send bill do not know what it is for. Will not stop calling at all hours. I have voicemails of threatening legal charges. Threatening arrest. Yelling at me. 
XXXX XXXX And XXXX XXXX XXXX
Consumer complaint received 2019-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (TX)

I purchased adjustable king-sized bed for {$2500.00}, as agreed for 100 days same as cash on XX/XX/XXXX. So far we have made the following payments monthly withdrawn from our account at {$410.00} on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Now they say I still owe over {$5000.00}. I purchased bed on XX/XX/XXXX for {$2500.00} and I have the receipt showing such and there was no discussion on the additional {$5000.00} charge during any of our conversations. I signed paperwork to let them withdraw money from my account. Then they had me sign an electronic document but it was days after the sale of the bed. I just called to ask if the account was paid in full and they said I still owe until XXXX. They assured me that I had signed a contract. I just can't believe how fraudulent this is and not to mention to {$5000.00} owed after you paid {$2100.00} so far. on a purchase of {$2500.00}. They have salesmen at the store not informing people about a 101-day policy that if you go past the date then you would have to pay an additional {$5000.00}. If this was disclosed during the purchase then everybody would walk out of the door.
Consumer complaint received 2019-10-19
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (PA)

We had a lease with Hyundai XXXX which was paid in full as of XX/XX/2019. After the car was returned we received a bill for over {$600.00} which included not only a lease end fee of {$400.00} but also a ridiculous charge for a small scratch which we were told by XXXX XXXX XXXX XXXX Pa that there would be no charge due to faulty equipment and the size of the scratch. Hyundai also owed us {$50.00} for a promotional test drive which we took in XXXX but was never received. Hyundai just opened that promotion again. The {$400.00} lease end fee was never explained to us by the XXXX XXXX salesperson, and in fact we had prior leased XXXX in which there was no lease end fee or other problems. We did initial the contract small print while signing the many documents so legally we owed this money and paid it. We sent a letter with the amount billed stating that our check for {$350.00}. ( {$400.00}. minus the {$50.00} owed by XXXX ) was the correct amount due as per XXXX XXXX and if cashed would be paid in full. Next, Hyundai sent us a  bill for the difference of over {$300.00}. They failed to recognize our complaint about the scratch and after this a neck injury caused by the faulty equipment. 
The most important fact is we paid the erroneous balance to protect of near perfect credit rating. Hyundai failed to remove an amount due and it still appears on our credit rating and must be removed. We are seniors and worked our entire lives to have superb credit only to be damaged by an erroneous charge and claim.
Consumer complaint received 2021-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NC)

the company is santander consumer USA. the interest rate that was on the vehicle before repossession was 18 % even though i had good credit at the time. i know i had good credit because i had one late payment on my credit report at the time, in XX/XX/2019 or around that time whenever i got the vehicle. i have reported this company to the department of justice state attorney general 's office of north carolina where i reside. during the pandemic i was struggling to make payments because of the high interest rate. there was no way i was going to keep paying over XXXX dollars a month for the vehicle.
Consumer complaint received 2020-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Navient grossly mishandles loan payments. While it is apparent that the lender receives the overwhelming majority of protections compared to students that take out loans, Navient payment processing is worse than any other payment processing I encounter for various other loans/recurring payment apps ( car loan, bank loan, credit card payments, etc. ). 

If I make a student loan payment on the same day as the other payment types mentioned above, Navient will withdraw the money from my bank account before the other institutions that I make a payment to - and yet my Navient payment posts to my Navient account after every other payment I make. This is not a problem, except that Navient is constantly assessing interest on the amount prior to the payment. There is no reason that Navient should be able to charge interest on an amount they have already withdrawn from my bank account. 

Not only do they mistreat lenders financially, but they leave no other alternative to changing loan servicer other than consolidating loans to switch servicer. This is a poor option for myself and many other lenders since interest rates and amounts borrowed can fluctuate from one academic year to the next, especially if you receive a graduate degree and use federal student loans to pay a portion of expenses ( since these interest rates are higher than those for undergraduates ).
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have been behind 30 days just after my loan modification ended in XX/XX/XXXX and I have been trying to keep my payments up. But recently I recieved a letter from the loan servicing company who is SPS Servicing and now they are saying in a letter after they have reviewed my loan and interest payments etc that they are increasing my loan with interest from the amount of XXXX to XXXX a month. Now how can a mortgage servicing company change my interest or increase it due to an audit finding they supposedly found and are not giving me specific information from what they sent me in writing. It appears maybe they made an error but thats not my issue or my fault and they are not allowed to increase my loan due to their poor oversight of my loan and thats why they are a loan servicing company. I would like this fixed correctly. And all my statements show I still owe as if I did from they day I did this loan back in XX/XX/XXXX. I cant see how this loan isnt going down while its half way paid off?