davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NC)

My Name is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX On XX/XX/XXXX I purchased a XXXX XXXX XXXX for XXXX on XXXX XXXX XXXX XXXX, NC XXXX for XXXX the total loan with Santander US {$26000.00} ( Contract # XXXX ). I traded XXXX XXXX XXXX I know that I had a little negative equity in the car. I financed with Santander USA and my first payment was to start XX/XX/XXXX of {$600.00} for 72 months. I have been making my payments no ( 30 ) days late for over ( 2 ) years and I still owe a huge balance and it seems to be getting larger. I have pay {$14000.00} in payments and they have applied {$9800.00} in interest and still my balance is {$21.00}, XXXX It appears that Santander USA has been over charging me by adding a higher interest rate and applying some payments all to interest and other over 50 % of my payment to interest theres not any consistency. The first year my loan appeared to be going down then the second year it went back up and has stated up. I have had my car appraised and from what I owe Santander Im {$10000.00} upside down in my car were I will never be able to get out of it. Also, they just updated my balance on my XXXX  credit report {$22000.00} and the statement as of XX/XX/XXXX which is attached states {$21.00}, XXXX and terms showing 75 Months. 
This company has over 1,900 complaints with the XXXX and it responds to those complaints. Santander USA has misled me about the cost of the loan due to them putting my 1st payment on XX/XX/XXXX all {$600.00} towards interest and the 2nd one all but {$44.00} whole payment at times into interest. In the second year Santander started putting whole payments in interest and other payment over 50 % of the payment in interest again and thats when I notice that this is unfair high interest loan lending practices. They have me showing {$36.00} in late fees throughout the time I have had this loan. 
The way they are applying interest and principal payments is a way to throw you off so it will seem that its coming down but its not. Lender has hide and misrepresenting the true cost of the loan terms it appear they are having my terms at 75 month instead of 72 months also. This appears to be a scam instead of a true financing company. 

I have attached copies of the payment activity on my account # XXXX and other supporting document that might be helpful to resolve this issue. 
You can see how they have just applied what ever they wanted to apply my payment. 
I would like a resolution by Santander to correct the payments that are misapplied and for the correct interest that should have been going to interest. Also, correct the terms and the corrected balance on my credit reports. 

Thank you.
Consumer complaint received 2023-01-26
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. (VA)

On XX/XX/XXXX at XXXX pm, Equifax received a letter from me concerning my credit report. This is NOT a request to conduct an investigation or a request to contact the data furnishers for items on my Equifax credit report and ask them to verify the accuracy of the information. 

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Equifax is in violation with the Fair Credit Reporting Act, 15 USC 1681. Let me further explain. Pursuant 15 U.S.C. 1681 ( a ) ( 4 ), I have the right to privacy. ( I demand these accounts be deleted ). Pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. ( Ex. Late payments, amount financed, charge-offs, etc. ). Pursuant 15 U.S.C. 1681b ( a ) ( 2 ), A consumer reporting agency can not furnish an account without my written instructions. ( I have never given Equifax permission to furnish any of these accounts ). Pursuant 15 U.S.C. 1681c ( a ) ( 5 ), No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Pursuant 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency.

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681.
Consumer complaint received 2022-08-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-03-24
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: Bread Financial Holdings, Inc. (FL)

I've been with Comenity Bank/Child place since XXXX and I've never had a payment reported late during my time with them. This account has been set to auto from my checking account since the inception of the account. On XX/XX/XXXX, the monthly payment for my card was not drafted from the account the bank accounts I have saved on my profile. I'm a busy person, so I went about my life over the next couple of weeks and traveled. But the week of XX/XX/XXXX, I checked my credit score and saw that my score had dropped due to having a late payment. I knew that couldn't be right so I called Comenity Bank and they told me that it looked like that they couldn't verify the bank account that I used to make the payment, but mind you, this is a bank account that I've had saved to my Comenity Bank profile, and is also linked to other cards on my Comenity Bank profile. I, immediately made the payment for XXXX, and XXXX payment on XX/XX/XXXX. The representative who assisted me told me that this was unfortunate also, highlighting the fact that I've never been late in almost 6 years. Also, I did receive the notification that the payment had successfully gone through. I didn't know that it had not gone through until I checked my credit report, and it was shown as late. I don't have any late payments at all on my credit report, and this is very disheartening and has affected my credit score in a very negative way.
Consumer complaint received 2019-01-25
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)

XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

Hi, I opened up a XXXX credit card through Comenity Bank. In XXXX I paid off all my credit cards, including this card, the whole balance. I received communication in XXXX that this card was sent to collections, which is surprising considering I paid it off. Looking at my statements, after I paid off the card they had charged a {$2.00} interest fee but did not communicate this to me. Since then they have added late fees to each month and interest fees to this {$2.00}, resulting in {$30.00} that was sent to collections. There was no communication to me, through email, mail or phone ( even checked my junk box ) saying I owed or had an outstanding balance, due to an interest fee. I reached out to the company expressing my concern and received a very dismissive response saying they are at liberty to assess fees and no solution to the problem here.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-08-29
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. (GA)

in accordance with the Fair Credit Reporting act XXXX Account name crdtonebnk Account # 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 a account without my written instructions
Consumer complaint received 2019-01-25
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. (CA)

XXXX/XXXX XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60/90/120 day late payments from my credit reports.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (TX)

I had a business credit line with XXXX. I had this credit line since the early XXXX 's and terminated the credit line approximately 2005. The card has an annual interest rate of 10.750 ; daily finance rate of .02945 % ; average daily balance of {$12000.00} ; periodic finance charges of {$100.00} ; cash advance 10.750 % ; Daily Finance .02945 % Average Daily balance {$81000.00} ; periodic finance charge XXXX ; total finance charges XXXX ; total periodic finance charge {$800.00}. I pay a total per month of {$1300.00}. With a balance of {$94000.00} at the age of XXXX years, it is impossible to pay off this credit line. I have approached XXXX  for a reduction in charges and finance to pay off this note but the request was denied. I have paid off this note at least three to four time and feel that I am only a cash cow for XXXX.
Consumer complaint received 2019-11-13
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. (IL)

Submitted several identity theft reports obtained from the XXXX police department aswell as the FTC and credit bureaus still refuse to remove the fraudulent accounts and unauthorized inquiries.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately
Consumer complaint received 2022-08-16
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. (LA)

please remove fraudulent/unauthorized inquiry off my account from XXXX  of XXXX XX/XX/2022. Provide proof in writing within 30 days or remove from my report
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERISAVE MORTGAGE CORPORATION (MI)

AmeriSave Mortgage Corporation has reported that my payment for XX/XX/2022 was 30 days late when it was not. Ive sent them all the supporting documents showing the funds being withdrawn from my account and theyre confusing a separate principal only payment that I submitted but was returned by my bank. My scheduled monthly payment was made on time as it is every month. Ive escalated this several times and have been left with no other recourse than to reach out to the CFPB.
Consumer complaint received 2018-03-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc. (CA)

i sent them a certified letter XX/XX/2018 requesting validation. I let them know by law they had 30 days to respond or show me a contract bearing my signature. Not only did they not respond but they marked only one bureau with a dispute mark while they are reporting to two bureaus.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I recently requested the credit bureau do a verification of accuracy on a few accounts. they completed the investigation and stated the information was accurate. I decided to do a thorough research and found improper inaccuracies after their investigation. In accordance with the FCRA these creditors have violated my rights. 
XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 SEC 602 A. States I have the right to privacy 15 U.S.C 1681 SEC 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (WI)

I had a mortgage loan with XXXX. I have paid off most of the loan on XXXX of 2022 ( {$47000.00} ). There was {$290.00} left to pay for interest. The mortgage statement from XXXX, XXXX, XXXX and XXXX stated that {$0.00} is due. I have statements that show {$0.00} amount due. XXXX however stated that my payment was delinquent and that there was {$290.00} due on XX/XX/XXXX ( despite the amount being {$0.00} on the statements from them ). I did end up paying the above amount on XX/XX/XXXX. Since then my credit score went down by XXXX points and I have one payment that was delinquent. I have tried to reach out to XXXX and sent the images of the statements from them yet they stated that did nothing wrong.
Consumer complaint received 2022-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

Edfinancial has been giving me the run around regarding my student loans. On XX/XX/22, I requested that my any payment made during the pandemic be returned to me. They sent an email saying " Refunds typically take approximately 60 business days from the date of payment and will be returned to the account the payment was originally made from. '' Since then, it's been 76 business days and I haven't seen a dime. I reached out again and said that the request was never made on my account when it clearly was. They said that it will take 90 more business days. 

I just feel like I'm falling through the cracks and they have my money in their pockets.
Consumer complaint received 2020-09-14
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. (OH)

I was looking over my credit report & noticed some errors. I've misplaced my credit report since then and would like to receive another copy. I have attached my ID & SS card. My address is XXXX XXXX XXXX XXXX, Ohio XXXX.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (IA)

My problem should be so easy to fix but after several telephone calls and two letters I still do not have faith the problem has been fixed. Both my telephone number and email address has changed and XXXX refuses to update my records. Wow! They did change my address so that I can receive and pay my bill, but not my telephone number or email address. 

When I have called before they always do the same thing. They pass me around like an infectious disease until they put me on terminal hold and no one will pick up. No one will make these simple changes.
Consumer complaint received 2022-08-16
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. (LA)

please remove fraudulent/unauthorized inquiry off my account from XXXX XXXX XXXX XX/XX/2022. Provide proof in writing within 30 days or remove from my report
Consumer complaint received 2022-08-16
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. (NY)

I am a natural person, I am a living human being I have rights un 15 Usc 1681 and Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below to removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these account. 

Dept of eduXXXX
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.