davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: OneMain Finance Corporation (CA)

XX/XX/2019 got a auto loan from One Main Financial. I believe we got a fradulant loan as we did not qualify and have been mislead into to charges and fees making it impossible to pay loan. After two years the balance is higher than original loan amount and we keep getting loan offer modifications that are not legal. The principal that gets paid is only {$6.00} dollars and intreset is {$200.00} monthly. I believe we have been scammed.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (PA)

There were fraudulent charges on the BestBuy account made XX/XX/XXXX in the amount of {$79.00}. Dispute was filed with original creditor ( BestBuy ). They continued reporting and responded XX/XX/XXXX with a resolution. BestBuy concluded the debt was mine because it was " delivered ''. They provided shipment details with names and addresses that have NO connection to me. I DID NOT order these items. So I disputed again, discontinued payments until fraud was resolved. During time, collection attempts were made by BestBuy, XXXX XXXX, and finally XXXX XXXX XXXX. I received a letter from Citi on XX/XX/XXXX for a refund of {$44.00} for fees and finance charges. This was received after my account had been sold to XXXX XXXX XXXX on XX/XX/XXXX. The refund did not even begin to cover the fraud charges or the fees and interest incurred during this fraud dispute. So now I am in collections for $ 300+ in fees, interest and charges that I should not be responsible for. Once I learned that the debt had been charged off and I did not agree with the balance owed, totaling {$540.00}. BestBuy informed that I had to contact the new company XXXX XXXX XXXX to validate debt. Then I made a dispute with the credit bureaus. They concluded that the balance was correct which is inaccurate because the charges on the account were a result of fraud.
Consumer complaint received 2020-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (AZ)

Discussed with LendingClub about communication. I called and explained to them that my company is now banning cell or smartphone during the hours except for break time. From now on, we have to use email communication regarding of loan payment issues. They did give me email address for communication on any aspect of issues. they gave me is XXXX I did email to follow up and they replied me to make a phone call to them repeating. I response to them that I can not making a call because of my time working and schedule which is unlikely will make phone call except for break time. Every time I call them during break time and it almost never reach them, mostly are on recording and too longer to reach them. Rarely made it through but my break time ran out. my break time is limit to 15 minutes. I wanted to use that break time to contact my family, friends, etc. They understood it. I sent them 4th time so far an no success.
Consumer complaint received 2019-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/2019 my wife paid our housekeeper {$95.00} by check from XXXX XXXX XXXX XXXX. Our housekeeper deposited the check by mobile. The check was accepted by SunTrust Bank and then bounced, although there was {$29000.00} in the account. Our housekeeper was charged {$12.00}, which we reimbursed. Today, my wife went to SunTrust Bank in XXXX, FL. She spoke to a banker there who explained that the check account number was cut off when photographed and, although accepted, was not processed. Help me to understand why a computer glitch by the bank should cost me. T
Consumer complaint received 2017-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On  XXXX   XXXX ,    2017, I had a nam e change. I notified all  XXXX  credit bureau 's and supplied all legal documentation, court order, social security statement, drivers license, etc.  XXXX  and   XXXX   have updated my report. TRANSUNION STILL HAS NOT PROPERLY UPDATED MY NAME CHANGE, IN FACT THEY CHANGED TO SOME FALSE NAME THAT DOES N'T EXIST, USING "  XXXX  '' INSTEAD OF "  XXXX  '' AS MY FIRST NAME. AND THEY ARE STILL KEEPING MY OLD NAME On the report. I have sent them numerous letters, telephone calls, uploaded documents and more recently had them sign for certified mail, DATED  XXXX   XXXX , ATTACHED, for all the documents they needed, including birth certificate. TRANSUNION  CONSUMER  RELATIONS AT THIS ADDRESS :  XXXX   XXXX   XXXX ,  XXXX , PA  XXXX  just mailed me an " updated '' credit report dated  XXXX   XXXX ,    2017 and said they have updated the information, BUT THEY DID N'T, they did nothing, except now hav e an incorrect name on my credit report along with my  old one. I hav e talked to these people on the phone, but they are all over in  XXXX  O R SOMEPLACE and tell you they will fix things but they do nothing - NOTHING! They are not properly trained and knowing they have access to all your credit information is somewhat FRIGHTENING to be honest. One person told me he was not allowed to change name and a SUPERVISOR WOULD DO IT, SO HE TRANSFERRED ME TO THE SUPERVISOR  AND HE SAID HE UPDATED IT CORRECTLY, BUT HE DID N'T, AND THAT WAS BACK IN  XXXX . This is ridiculous and they are holding up my purchase of a home. THEY ARE INCOMPETENT AND SHOULD NOT BE ALLOWED TO CONTINUE TO MISHANDLE PRIVATE INFORMATION AND CREATE FALSE NAMES.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been contacting transunion sending certified letters, only to not get my issue resolved. i have explained in all my letters i have been a victim of identity theft for years and this has affected my life tremendously including having to keep contacting and explaining the inaccurate information. with that being said everything transunion has asked for i have done and provided including freezing report and sending a identity theft report. by law transunion is to investigate block and delete any inaccurate information they are reporting. they are doing their part as all they do is send these pre written letters that dont show anything being done or their part. as an american citizen a deserve to be treated fair and things like this can be resolved by taking a second look.
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I NEVER OPENED A CAPITAL ONE CREDIT CARD AND THERE IS ONE SHOWING UP ON MY CREDIT REPORT AS LATE I DID NOT OPEN THIS ACCOUNT THIS IS NIT MINE
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As of XX/XX/XXXX, all of my student loan accounts with the US Department of Education have been in forbearance. The forbearance was granted by the US Department of Education Borrowers Defense program. Since XXXX of XXXX, I have been disputing incorrect information reported on these accounts. After each dispute, I would receive a letter stating the account was verified as accurate despite my sending in proof that they were not accurate. They are currently showing that I am in collections and they were not reporting the monthly payments I made on the account from XX/XX/XXXX thru XX/XX/XXXX. I also entered into an income-based repayment plan to satisfy my mortgage lender. The US Department of Education ended up refunding my $ XXXX   monthly payments since the accounts were in forbearance and they were not supposed to collect payments.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

We began an initial online refinancing process with AmeriSave Mortgage Corporation on XX/XX/XXXX with the below person. 
XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Desk On XXXX, XXXX asked for our credit card because they charge {$500.00} instead of an origination fee. We told him we hadn't heard of companies charging up front. What if the loan/underwriting process approval didn't go through and then we had already paid? He assured us there were no issues so we gave the credit card # and was charged the {$500.00} for loan closing. As soon as that payment processed, any verbal communication/normal phone servicing with XXXX ceased. He did not call us despite several attempts on our part. AmeriSave is having an issue with our HELOC and either wanted us to close that or the refinance would push out at least another 60 days for subordination per their email. Never did anyone pick up the phone and call us to discuss. It's just all automation and we can't get out of it. Those are unacceptable options for us and so we have decided to cancel our refinance with this company. XXXX has not responded so we put in an email to their servicing department on XX/XX/XXXX. We received a reply same day from a rep and that she would forward our concerns to XXXX XXXX supervisor. 
XXXX XXXX Customer Service Representative AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX On XX/XX/XXXX, still no response so we emailed XXXX again. She responded back that she sent a 2nd request to the supervisor, XXXX XXXX. It is now XX/XX/XXXX and still no response.
Consumer complaint received 2020-07-13
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: Bread Financial Holdings, Inc. (LA)

I placed an order with XXXXXXXX XXXX  XXXX on XX/XX/2020. The order was transferred by XXXX to USPS for delivery. The initial tracking information states that the order was delivered to an individual but after further investigation it was determined that it was not. I have attached email correspondence from USPS verifying that they have not been able to locate this package. I was advised by Comenity and XXXXXXXX XXXX   XXXX  to email them my documentation showing that my package was unable to be located. I did that on XX/XX/2020. I have contacted XXXXXXXX XXXX XXXXXXXX  in reference to this order several times and they refuse to investigate the matter further. As of today they have sent me a letter saying my dispute is closed and to contact the Merchant ( XXXX XXXX XXXX ). I have contacted the merchant via phone and email per their request on XX/XX/2020 and again today XX/XX/2020 and am still awaiting a response.
Consumer complaint received 2021-11-14
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. (DE)

Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company XXXX XXXX XXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (PA)

Hello. My name is XXXX XXXX and I have been having a number of issues with a company by the name of Comenity Bank. I would have no problems with the calls IF they were happening twice a week and had the company 's name and phone number coming across my callerID. But that is not what is happening. Instead I am receiving between 6-8 calls per day from either Unknown numbers, ( XXXX ) XXXX, or ( XXXX ) XXXX. Today, when I answered the call, the person went straight into a spiel asking me when I was going to be able to pay a certain amount towards a bill. When I stated that the person he probably meant to speak to was not around at the moment, he says that he is Mr. XXXX with Comenity Bank and was under the impression that he was calling a personal cell phone number. Interesting that he said that, because, without leaving a voicemail, I received a robocall from ( XXXX ) XXXX today, on XX/XX/2020, at : XXXX, XXXX, XXXX, and XXXX. And on Tuesday, XX/XX/XXXX, at : XXXX, XXXX, and XXXX. When the calls came in on Wednesday, XX/XX/XXXX, the callerID came up as UNKNOWN three times. I am pretty sure that even debt collectors by law are not allowed to spoof their phone numbers or call numerous times per day as a robocall. I am sure that this violates a Federal Law known as the Telephone Consumer Protection Act ( TCPA ) and " Mr. XXXX '' had let me know that this is a practice that was happening when he stated to me that he thought that he was calling a personal cell phone number. If they had any notes on their customers ' account, they would see that I requested to have calls come in specifically stating who the caller is or the company they work for, because in this day and age, scammers use the same tactics as Comenity Bank does.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

In XXXX I financed a car from XXXX XXXX XXXX  XXXX with 2 extra coverages.It was totaled 3 weeks later. I informed XXXX and was told the policies would be canceled. For two months I was in contact with the dealership almost weekly and was informed I could pick out another car, which I did. I was informed a week later that I was not approved and had to return my vehicle. Fast forward to XXXX I checked my credit report to find I still owed a balance to the finance company Santander Consumer USA. After disputing and contacting them I was informed XXXX XXXX XXXX  XXXX never canceled my original policies on the vehicle that was totaled. I was informed by XXXX XXXX that they could only issue out one check and that the other had expired and there was nothing he could do. I hired an attorney and informed Mr.XXXX of this decision and was told they would reissue both checks so we wouldn't have to go to court. I waited over a year and they finally issued the last check XXXX of XXXX. The account has been fully paid off but still has a balance on my credit report. I have called Santander  and they only issue me a paid in full letter but will not report that it is paid in full. I have disputed this with each credit Bureau with the paid in full letter but the balance still remains.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I contacted Capital One because of charges on my account and was told by their representative that in order to remedy the situation I first needed to pay off the card in full, which I did. I called back and was informed that what I paid were fraudulent charges that Capital One knew about, which had caused them to issue a new account number several weeks prior. 

My issue now is that, despite being told about the fraud on my account, Capital One has not released the funds I overpaid nor the interest and other fees charged to my account. 

I'm requesting a full refund of approximately {$170.00} be paid to me in full.
Consumer complaint received 2018-06-11
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. (GA)

Due to recent media attention on hacks on the american public I pulled my credit report and seen a account that was not mine and that was not authorized below is the account that is not mine as well as inquires and addresses I've never been associated with. 

Account Name : XXXX XXXXr Balance : {$230.00} Account Type : Collection below are inquires on my credit report i've never authorized these inquires from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc. (NJ)

Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has three accounts for me and have not proved these accounts are mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (KS)

In XX/XX/2019 I attempted to dispute a debt for XXXX XXXX and for XXXX XXXX  for services we believe are in Texas. I live in Kansas.I am a victim of ID Theft and this is not my debt. I sent a complete packet including police report, id theft affidavit, proof of address, identification all in another state. The debt collector XXXX and XXXX XXXX continually has responded to the dispute validating the debt. This debt is not ours and they keep telling us to call back with no resolution. This debt appears to be in the process of being sold again. 

They confirmed they have copies of all documents
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

A payment was forwarded electronically to Synchrony Bank for my XXXX/XXXX credit card. Synchrony sent an email stating that the payment is being canceled because the balance is {$0.00}. Incorrect. The balance is {$1200.00}. I put in a dispute because there is a pending charge of approximately {$2200.00} on the account which is wrong. This amount was initially for a mattress set and furniture. XXXX informed me that due to COVID they were not sure when the furniture would arrive. I canceled the order for the furniture only, and am making on time payments for the mattress set, which is included in the balance due amount of {$1200.00}. I contacted Synchrony ( XX/XX/XXXX ) and was told that I could not make payments on the account due to a dispute. The dispute has nothing to do with the balance currently owed. The rep said I could not make online payments nor could they take a phone payment. I called again on XX/XX/XXXX and explained the issue with another CSR, was placed on hold and eventually the call was cut off. I called what I thought was Synchrony headquarters on XX/XX/XXXX to no avail. I have not missed a payment with Synchrony and have a concern that when the dispute is settled, my account might reflect past due payments ( due to Synchrony not accepting payments ), will have accumulated interest, and could negatively impact my credit report, which has an Excellent rating. I forwarded another electronic payment on XX/XX/XXXX and received the same message : the payment is being canceled because there is a {$0.00} balance.
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OR)

On XX/XX/XXXX I emailed XXXX, XXXX XXXX requesting her to close my checking account application. Now I have negative balance {$4.00} and my account still isn't closed. I want my account fully closed. The account rep was very deceptive and I didn't think USBANK operatives this way. I always heard great things about USBANK