davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

Back in XX/XX/2015 I had a conversation with a representative to agree to allow me to settle this account and once I pay the XXXX on the promise to pay date they will FORGIVE the remaining portion ; considered my account as settled ; adjust their records to reflect the settlement ; settled for less than full balance. 

Santander DID NOT do any of these statements per promised. 
They are still reporting this as a DERAGOTORY and as a CHARGE-OFF which they stated in these documentations that they will FORGIVE all balances once I pay the required amount. 
( Please review documents I sent to verify these statements please )
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

{$430.00}, XXXX XXXX, I have talked to representatives multiple times about a debt XXXX XXXX states I owe and told them numerous times that I do not remember ever applying for a capital one card and that my ex wife in the past had applied for credit cards in my name and used my ss #. We are now divorced and I recently pulled my credit report to find this negative tradeline on my credit report by surprise. I have asked for proof of this debt a number of times from XXXX XXXX and have never received any documentation in the mail. This has been going on for months and months now. I have written disputes to XXXX XXXX and also to XXXX, XXXX, and XXXX to ask for this tradeline to be removed since this debt does not belong to me.
Consumer complaint received 2019-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

Fed loan servicing is a complete scam. After enrolling in part-time XXXX  school they automatically make changes to my account to set to deferment. No one should be making changes for my account other than myself, if I wanted to enter deferment I would have. On top of this, I was eligible for the deferment back in XXXX but it did not actually kick in until a few days before my loan should be paid in XXXX. After being notified by Fed loan of the deferment I received multiple emails that I should still pay, yet they make it impossible to take my loans out of deferment. After spending 30 minutes I finally was able to reach through to an actual person who informed me I must now fill out a form. The only place this form is found is before logging into your account at the bottom of their web page in small writing. AKA where no one will look. After that you must submit this form, they give plenty of options to submit for deferment and avoiding the loans, but force the form to get out of deferment to fall into the other category. This category, of course, takes longer because it does not give a defined path to a representative. While on the phone I also asked about the ability to target higher interest loans with extra payments because my employer also helps with my loans. Apparently you can only target higher loans with single payments, not auto payments. Now not only did they mess up my loan statues but have also messed up my employer 's contributions. Every single procedure and step about this company is designed to make you pay more and keep you as long as they can. They send emails to say look what we can do to help and then give a complete run around that often makes things worse.
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (VA)

On XXXX " XXXX XXXX XXXX XXXX XXXX '' address is XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Sold a car and acquired funding by forging an address to make it seem like I lived with another person in order to get approval from " WestLake Financial '' address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I was later informed that the loan officer for XXXX XXXX XXXX XXXX XXXX was fired for unethical behavior. I have tried to resolve this with WestLake Finical but the minute I informed them it was a fraudulent loan they made the dealership by back the loan and refuses to speak with me to get this resolved.
Consumer complaint received 2022-04-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (MN)

I have sent Santander Consumer USA a letter disputing things on my transaction with them. They have taken my car im a single father with XXXX XXXX and has put extreme adversity my life in hardship. I am an XXXX XXXX for XXXX XXXX and work hard to keep peoples lights on an it has made it hard to get to work on a daily basis an i know they have violated my right.
Consumer complaint received 2022-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc. (FL)

I signed up for a credit building loan of {$720.00} from Self Lender on XX/XX/2021. 
Due to being XXXX  with XXXX i missed the monthly payments of XXXX and XX/XX/2021. The payments were made 30 and 60 days late, resulting in my credit score dropping to XXXX. The loan has now been closed, and no money is owed to the lender. I have contacted Self Lender in regards to deleting the account off my credit report, so i have a chance at building up my credit again. They refuse to help me. From now on, i will have to struggle greatly with finding an apartment, or getting a new job within my line of work, for years because of circumstances out of my control. Therefore i ask you kindly to intervene in this matter.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have Contact XXXX, XXXX, experian, XXXX XXXX XXXX college agency Due FTC Identity Theft Report and inaccurate information on my credit profile, I specific told all these thirty party Agency to Removal collection, charge off inaccurate addresses inaccurate name, and current Employer due to FTC Identity Theft Report.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AL)

I am having a re-occurring problem with my Belk Rewards Mastercard account closing out completely.My husband and I go online each month and pay our monthly bills and this one bill in particular keeps mailing me more hogus-bogus $ XXXX- {$500.00} each time I get it all paid in full the first time.I have called and got it all explained about how my husband and I have already paid it and then how the account on my bill had changed completely, so I told them that I was not responsible for the fraudualant changed account number.This company never stop harrassing me with fraudulant bills still being sent to my residence and has me still oweing something more and more, under a : XXXX # : XXXX. Noy my account number at all.The address is:XXXX XXXX XXXX XXXX XXXX. Send payment to : XXXX XXXX, XXXX. I want a law suite if this is still on my credit card credentuals that will show neglagence on ever getting resolved and changes being made every so often for more money being owed and not my responsiblity to pay any longer.S.B.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (NC)

In the past, I disputed a tradeline on my credit reports from One Main Financial. I disputed this tradeline because according to my records the amount being reported was incorrect. Anyhow, the results of the dispute came back as verified and accurate. Thus, I wrote a letter to One Main asking them to send me ( 1 ) copy of original contract bearing my signature and ( 2 ) full accounting ( a record of all of my payments made and what portion was applied towards the principal and the interest. Till this day, I have yet to receive a response.
Consumer complaint received 2020-01-27
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 — Problem with personal statement of dispute
Company: ID Analytics, Inc. (PA)

After receiving my personal credit report from Sagestream LLC I submitted a statement asking if in the notes it could be put that one of my accounts was closed due to fraud. I followed the company 's procedure and sent a secured fax and gave a deadline of XX/XX/2020 XXXX XXXX est to respond. They did not.
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I XXXX XXXX, entered into a consumer credit transaction with XXXX. I do not know who Jefferson Capital is. I have never spoke to them or done any business with Jefferson Capital. I do not know how or why they have my personal information. Jefferson Capital is trying to deceptively coerce me into making settlement on a " debt '' I do not owe. I have been harassed with multiple letters and have XXXX for the past few months since receiving these notices.
Consumer complaint received 2022-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (PA)

My Venmo account was recently temporarily Frozen. I was asked to pay a balance of {$230.00} which I did and my account was immediately restored ( XX/XX/XXXX ). Shortly after my account being restored, I was sent {$1300.00} ( XX/XX/XXXX ) from a friend. Immediately again my account was frozen. I was not able to cash out or send the money to another institution. I reached out to customer service ( XX/XX/XXXX ) and was told recent activity set off an alarm in their system and I was asked to send in a copy of my ID. On XX/XX/XXXX I was sent an email saying that I was in violation of the user agreement and that my account was being permanently frozen with {$500.00} of my funds still in my account being help for 180 days. After repeatedly reaching out to customer service and asking for an explanation I was told without any explanation to stop reaching out because my emails will no longer be answered. I couldn't figure out what agreement I broke in that short time frame considering they just reactivated my account the previous day after I paid {$230.00} to have it restored. I think they're 28-page user agreement is extremely misleading. You could buy a pack of cigarettes with your venmo debit card and you are in violation of user agreement. You could pay for your prescription at the pharmacy and be in violation of the user agreement. I don't care if I can no longer use their platform but I think by them telling me I can no longer use it and then holding on to my money for 6 months that's a little ridiculous. I would like my money back.
Consumer complaint received 2022-04-30
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, And XXXX XXXX XXXX Account XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

Midwest Recovery Systems placed a collection on my XXXX  credit report. I never received any written notification or phone calls from them about a debt owed. It is also a debt that does not belong to me. When I called them they were verbally abusive and said I would have to pay the debt to have it removed and they did not have to prove it or notify me of any information regarding it.
Consumer complaint received 2024-02-05
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX and Experian are reporting inaccurate information on my credit profile leading to lower credit score causing me financial harm. I have submitted disputes concerning reports from Child support payments that they are reporting late that were not late and missed or late payments to XXXX  loans when XXXX loan payments were paused last year XXXX
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NE)

This is regarding my Citibank checking account ending in XXXX. 

I opened a checking account with Citibank due to a promotion they were running where you would receive {$150.00} for funding the account with {$5000.00} for 90 days. I signed up for the account using the promotional link from their website and funded the account on XX/XX/XXXX, with at least {$5000.00}. Since I liked the app I also opened a savings account and credit card. 

As I continued to not receive the promotion despite meeting the conditions I contacted customer service several times in XXXX and XXXX where I was assured I qualified for and would receive the promotion. I finally took a screenshot of one of the conversations via chat on XX/XX/XXXX, where the representative confirmed I qualified for the promotion and said I would receive the promotion by the end of XXXX ( see attachment, although I am sure you can pull it up from my message history as that is where I found it ). My belief from future conversations was that at this time the employee coded my account with the wrong promotion code which caused the future issues. 

Meanwhile, on XXXX, XXXX, XXXX, as I did not realize I needed to maintain a minimum of {$5000.00} in the account to prevent a {$15.00} service fee, I withdrew the payment for my XXXX XXXX XXXX from the account, dropping the balance under {$5000.00}. In XXXX I received the monthly service fee, which was refunded due to my reaching out and once I learned of the balance requirement I brought the balance back up to at least {$5000.00}. I have since been charged the fee every month since and have had to make multiple contacts to customer service. The most recent fee for XXXX they claim they are unable to refund even though my balance has been over {$5000.00} since XX/XX/XXXX. 

As I still had yet to receive the promotion I continued to reach out to Citibank via phone and email and eventually reached out to them via XXXX. 

On XX/XX/XXXX, I was contacted by their Social Media team who was extremely discourteous and unhelpful and took every opportunity to be condescending and couldn't even find the correct promotion. 

They told me about the the terms of another Non-targeted offer, which started XX/XX/XXXX, the Promotion code was XXXX, showing they did not even know what they were researching since I opened the account in XXXX of XXXX. I eventually had to end the conversation because they were so unhelpful. 

I find this very disappointing and more than anything want other consumers to beware dealing with Citibank because they are actively trying to not abide by their own promotional offers. 

I would also like the {$150.00} promotional credit and the $ XXXX  Monthly service fee refunded to me for a total of {$160.00}. 

Thank you, XXXX XXXX
Consumer complaint received 2018-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

I RECEIVED A NOTICE BY MAIL, ACCORDING TO THEM IS THE SECOND NOTICE, FOR ME IS THE FIRST ONE THAT I RECEIVED, ABOUT A MEDICAL BILL THAT WAS UNPAID FROM 2012, THIS IS THE FIRST TIME THAT I HAVE KNOWLEDGE OF THIS UNPAID BILL, NO PREVIOUS BILL WAS RECEIVED BEFORE, I ALWAYS HAVE TAKE GOOD CARE OF MY CREDIT AND PAY ALL MY BILL ON TIME, BUT, WHAT IS CURIOUS IS THAT I HAVE MEDICAL INSURANCE THAT COVER ME 100 %, AND IF I WOULD HAVE RECEIVED ANY BILL BEFORE, I WOULD HAVE CALLED TO LET THEY KNOW THAT I HAVE INSURANCE AND MY INSURANCE WILL COVER EVERYTHING. 
I WRIGHTED TO THE COMPANY WHO SENT THE LETTER, ASKING FOR MORE DETAILS ABOUT THE NOTICE, BUT THEY DIDN'T ANSWER ME YET. BUT THEY REPORT ME TO MY CREDIT WITHOUT ANY NOTICE.
Consumer complaint received 2018-10-19
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: Midwest Recovery Systems (NM)

I was notified by XXXX XXXX that this recently showed up on my XXXX and XXXX credit report. I viewed my credit report and it shows a collections item from Midwest Recovery Systems. The account was opened on XX/XX/2018 ( 3 months ) and the original creditor is XXXX XXXX. The amount is for {$350.00}. I never requested any payday loan on or around this date from this company. I haven't had any payday loans in over 5 to 7 years. I feel as though this is a result of identity theft and/or fraud. 

Creditor Information Provided by XXXX XXXX is : Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MD)

This concerns XXXX credit card and their administrator Citigroup. My due date for this card is the XXXX. I began receiving calls from an XXXX number as early as the XXXX, perhaps the XXXX. There were 2 calls to me on the XXXX one left a message. I called them on he XXXX I was unaware that I had missed a payment as I generally pay online and thought I had done so. They were pretty rude on my call to them. The call was more a tone of delinquency than a 3 day oversight. This is not the first time that I encountered this with Citigroup. I immediately contacted their customer service and got a runaround. I asked to speak to a supervisor to get to the VP in charge of collections. Was told that it was XXXX XXXX. She would not or did not know ( really lame ) the contact info for him. I went online after that and after about a half hour was able to ascertain that informations.I emailed XXXX XXXX and he had someone contact me. The young lady was very nice but incompetent. She could not add anything positive to the narrative.The level of knowledge within Citigroup 's customer service and their collection department is POOR to say the least. More education and initial collection contact that more closely aligns itself to the timeline is NECESSARY! A friendly reminder is what's needed here.
Consumer complaint received 2021-07-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I want to start off by saying Ive been on time with all my payments since I got this loan back in XXXX with advance financial, a loan of {$1000.00} dollars to move into my new home. To start off they never told me about these very high fees I never had a problem with paying the loan on how they explained it to me on top of that they did not tell me every month fees would be different which I did call about early back in XXXX and they said they couldnt do nothing about that! That was a mistake a sales associate made ok fine no problem ... like I said before Ive never had problems paying twice a month the {$100.00} each due on dates 15th and the 30th on top of that Ive been on time every single time and Ive always payed $ XXXX {$50.00} dollars to beat some of the interest fees but what I find very unacceptable is that Ive been paying on top and still no change they are telling me that in 6 months my account has only went down to {$720.00} dollars when my loan was only {$1000.00} is kinda ridiculous! In 6 months Ive paid {$1000.00} and a lil over that i still didnt mind paying if it was at least going down but only {$200.00} dollars down is just a scam! So I called in today to get on and arrangement plan because Im going through some patches in my life, mind you Ive always been on time never had an issue on my end. And she told me they could only hold 15 days and that would make my account balance go back to {$900.00}, I called today XX/XX/2021 first payment missed XX/XX/2021 ... I just think this loan was such a lie and they down so bad on there end to help me out I even offered to pay {$400.00} today and if they can hold the account Ill pay the rest in a week or so but that would put my account back to XXXX $ so I would be throwing all my money away and I dont find this fair not one bit! Im wanting some help and nothing so thats why Im doing this complain to see if there something out of ADVANCE FINANCIAL I can do because its ridiculous how they see people PAY ON TIME and paying more then expected but only {$200.00} off of a {$1000.00} dollar loan I got in XXXX and been paying at least $ XXXX {$300.00} every month is a scam its ridiculous and Im not trying to mess my life or credit over something that is out of my control and its a scam
Consumer complaint received 2019-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

So i am getting calls about a Navient Settlement from a XXXX XXXX. She is claiming that they have Student Loan forgiveness options. Told me to call XXXX. Provided me with a validation code. I don't have any documents, however i do still have the voicemail they left. Not entirely sure how i would get that to you. These things keep happening and somehow they have my information. I am displeased and have reason to believe that Navient either has a security leak or they are selling my information. On researching my options, reporting this to the CFPB was the best offered solution. Any other suggestions or a course of action would be appreciated.