davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-13
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: Collins Asset Group, LLC (NC)

I NOTICED A CHARGE OFF ACCOUNT WITH XXXX XXXX XXXX THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED XXXX XXXX AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH XXXX XXXX. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO COLLIN ASSET GROUP THAT I WOULD NEED TO CONTACT THEM .COLLIN DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED XXXX XXXX BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.
Consumer complaint received 2018-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CO)

I recently moved..Santander consumer usa was last on my list to change address. My payments are sent auto  payment from my bank to you..yesterday I went to mailbox and received my XX/XX/XXXX. statement..with my NEW address ... .Where did you get my new address? 
I haven't submitted it to you yet ... 
I have had many problems with you ... .now I would like to know HOW and WHERE you got my new address? 
Your company has caused me unnecessary stress and anxiety,,, now this?
Consumer complaint received 2019-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC (LA)

After viewing a copy of my report, I noticed a collection account placed on my credit report from Allied nterstate LLC on XX/XX/2019 in the amount {$450.00}. First and foremost, I have confirmed that the debt collector, Allied Interstate LLC is not license in the state of Louisiana to collect on this debt. Secondly, Allied Interstate LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Allied Interstate LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Allied Interstate LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$450.00}
Consumer complaint received 2018-06-13
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. (NC)

I NOTICED A CHARGE OFF ACCOUNT WITH XXXX XXXX XXXX THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED XXXX XXXX  AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH XXXX XXXX. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO XXXX XXXX XXXX THAT I WOULD NEED TO CONTACT THEM .XXXX   DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED XXXX XXXX  BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

there refusing to let me speak to the underwriter i asked for an increase since this is my longest account opened they only raised me to XXXX when they gave my wife XXXX who has no credit and i always pay in full on time and i want my limit to be at lease XXXX
Consumer complaint received 2018-06-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (FL)

I had XXXX XXXX XX/XX/XXXX spent a week in hospital. Had a XXXX   XX/XX/XXXX and admitted again for 3 days with XXXX XXXX. I am unable to drive or ride any long distance in a vehicle until doctor releases me. I called XXXX  on XXXX XXXX XXXX explaining situation. XXXX told me to call back Friday XX/XX/XXXX to verify what doctor said. I called and XXXX wasn't in, but, a man talked to me, saying, he also is a manager. I asked if the late fees and interest rate could be paused, since I am unable to drive to XXXX XXXX to make payment. They won't allow debit card, or another person taking payment in. Has to be only myself with cash. He refused. I have no control over my physical conditions that are preventing me to go 35 miles to make cash payment. I am also being charged 56 % interest and had to buy additional insurance I don't need but, required for loan.They say you can refuse eit, but, if so, it also contributes to breaking contract and taking my car.

In XX/XX/XXXX, my XXXX  check had error, so, I was XXXX short on payment. I drove there with XXXX. Payment at that time was XXXX They refused what I had because it was not whole amount. They " suggested '' I borrow XXXX  from a friend, come back on Monday, make payment, and turn right around and borrow more to repay friend. The catch, the minimal they loan, another XXXX. So, now I am in XXXX and only able to make the interest payment every month of XXXX, IF I AM ON TIME.Now, I can't make any payment from being home bound until i can walk and drive again.

It doesn't seem right, they can take my car because THEIR POLICY WON'T ALLOW ANYONE OR ANYWAY FOR ME TO PAY, EXCEPT FOR MYSELF. Along with the fact, I am very XXXX   now and unable to travel.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (AZ)

I had a Discover charge card that was discharged and received a XXXX. I had my wages garnished without notice in XX/XX/XXXX without representation. The collection firm that used a justice of the peace located over 50 miles from where I reside. The collection firm XXXX XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX filed and garnished my paycheck. Case XXXX XXXX file number XXXX filed for notice of renewal of judgement with an expiration date of XX/XX/XXXX! The original debt was discharged from Discover with a XXXX. On XX/XX/XXXX a Notice to Discharge and Release Garnishee was mailed to me. But later they secured a judgement to renew. XXXX XXXX XXXX  is using predatory tactics by courts to collect on a discharged account. I have been unemployed for the most of the last seven years. I last year I only made {$130.00}. This judgement makes it difficult for me to retain a job. I also suffer from XXXX XXXX and live with friends and family.
Consumer complaint received 2019-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OR)

On XX/XX/XXXX, approximately around XXXX XXXX I was informed by my roomate that our mail box had been broken into and the mail inside was torn into and opened, including a randomly sent credit card application form that I didn't ask for. The card was taken, but not the application form. 

I called the company that sent me the application form but I was told nothing can be done until an attempt is made to open an account. 

I also called the credit bruea and placed a lock and fraud alert on my accounts. 

I was not able to call the Postal services number due to it being the weekend.
Consumer complaint received 2018-06-13
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: Westlake Services, LLC (NC)

I NOTICED A CHARGE OFF ACCOUNT WITH WESTLAKE FINANCIAL SERVICE THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED WESTLAKE FINANCIAL AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH WESTLAKE FINANCIAL. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO XXXX XXXX XXXX THAT I WOULD NEED TO CONTACT THEM .XXXX   DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED WESTLAKE FINANCIAL BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION (WA)

Intent was for my XXXX primary marketing tool to be designed and constructed by XXXX XXXX XXXX Due to dysfunction ( lack of infra-departamental communication, no initiative, no transparency with clients ) the developmental pace was slower than an ant. The infiltration of their server still provoked more patience on my end but once again the communication was horrendous and I had inquiries beyond inquiries ignored. I knew there were issues but when my PM apologized yesterday and confirmed that he left the company I knew it was time to jump ship. He admitted that my time was wasted and that nothing would come of my website. Lastly, the number to their business was changed. I was given a timeframe during the third week of XXXX of one month to view a prototype. 

This merchant has taken the most unprofessional angle possible. By the grace of my higher being Ive involuntarily elected to not perpetuate a negative act because the consequences arent worth it. I just want my XXXX : what Im constantly losing weight and closing my eyes about because I believe in its endeavor. For once, doing something the RIGHT way for myself felt phenomenal, only to have its tangible feel relinquished from my grip. Miraculously, I overlooked the dissolution of XXXX without losing my XXXX mind because I believe that adversity defies our character and diligence. I really need help to right the way of XXXX XXXXXXXX by obtaining my money and domain from a business that I want to file a lawsuit against. If ANYONE on your end establishes contact with a rep of XXXX XXXX XXXX I must be notified at once to re-obtain my domain and respect! 


It was a train wreck before my monies were paid and will always be ... ..
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Nissan Infiniti Account ending in XXXX has not been updated from the creditor for months the last time they were updated was XX/XX/2020 because of my credit disputes, This company has not been updating my correct balance and payment history for months before this non update was happening my Nissan Infiniti account would update on the XXXX of Every Month and it had stopped, I reached out to the Nissan Motors Acceptance Corporation ( The Creditor for this Acct ) to no Avail My payments and balances are not being reported to the 3 credit Bureaus like they once were
Consumer complaint received 2017-08-10
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. (OH)

this issue concerns all three reporting credit bureaus I firm believer that the credit bureaus share information not only about your credit history and behavior but also about your race. beginning back in XXXX I began to rebuild and repair my credit I have worked very hard at this and I have been able to break XXXX on my credit score. as soon as I get as high as XXXX or XXXX one of the three credit bureaus will place something on my credit report that drives my score back to the XXXX to XXXX range and 9 times out of 10 it is in accurate or being reported incorrectly example one of the three will take inserts from my bankruptcy filed in XXXX put on credit report XXXX just happen put XXXX XXXX on as charge off late 90 days + they did correct it after I contacted them. but this hurt my score but this the type of issues that I have to keep dealing with. I feel that this is very unfair treatment and design to keep your credit score from breaking that XXXX score as a small XXXX business this practice greatly inhibits my ability to grow I can not obtain line of credit that I need to move forward. and I have lost out on opportunity 's that come my way I pray to XXXX that can be fixed and this behavior by three reporting agency addressed and fixed.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (TX)

The below inquiries were not made by me. Request for removal, second request. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-05-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

After a contentious divorce Mr. XXXX and former tenants devised and executed a mortgage fraud scheme involving residential property located at XXXX XXXX XXXX XXXX. XXXX, Oklahoma and a forced foreclosure short sale. The scheme involved aggravated identity theft, false representations to mortgage lenders on behalf of the defrauded out-of-state owner ( ex-wife ), while guarantying tenants and rental payments to new buyers. 

Neither the official divorce decree nor final court order awarding the division of real property to the ex-wife were disclosed to the financial institutions which approved and funded the illegally refinanced ( VA backed ) mortgage loans and lines of credit.In XX/XX/XXXX, fraudulent lis pends ( foreclosure action ) copies were physically served to the ex-wife revealing her forged signature on numerous conflicting financial and legal court documents spanning from XX/XX/XXXX - XX/XX/XXXX. 

A temporary restraining order was issued against Mr. XXXX in XXXX, XXXX after he threatened his ex-wife with witnessed statements to burn down the house and collect the insurance on the disputed property. There has been no relief from the negative credit reporting, and no formal investigation or follow up response regarding the egregious interstate identity theft and unresolved VA backed mortgage fraud. 

Disputed Property Address : XXXX XXXX XXXX XXXX. 
XXXX, OK XXXX Original VA Loan Guarantor : XXXX XXXX XXXX SS # XXXX Ph : ( XXXX ) XXXX - XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm frustrated with the fraudulent accounts on my credit report, and I warn that any non-compliance by your bureau may lead to legal action. It's unacceptable that only your bureau continues to report these accounts, causing harm to my credit score, while the other bureaus and creditors have already addressed and removed them. I demand immediate action, a thorough investigation, and written confirmation of the resolution to avoid legal consequences. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (GA)

I have been paying Santander Consumer for 4 years on my XXXX XXXX XXXX, and I owe the same amount as if I just purchased it.They also just Jack up the amount that they claim I haven't paid on the car to about 3,500.00 and Repo my vehicle. I don't owe this amout, and they took Mr car on XXXX XXXX without my knowledge in a different state. I was informed one time that they would Repo the vehicle about 4 months ago, but I made arrangements to pay, and this is wat I have been doing. This company let me in my small kids XXXX  in Florida cause they illegally Repo my car.Here is a payment his I have been paying when they said they were going to Repo my car.I was working part time, and receiving XXXX until they cut my benefits off I got behind but I made arrangements with them, and I never thought they will go off there word.Here are the payments ... XX/XX/XXXX I PD. XXXX, XXXX I paid XXXX, XX/XX/XXXX I paid XXXX, and they gave me an extension for XXXX, and XXXX in XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, in XX/XX/XXXX I made 2 payments for XXXX, and XXXX.It 's not that I haven't been making my payments.They also claim I still owe the same amount as if I just purchased it.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (UT)

I have submitted proof with written documentation and recorded conversations where I was specifically told dates to get a payment in and also had three deferred agreements where XXXX stated the payment would show on time. 

As seen in the documentation it shows my payments yet they are still reporting late payments on my account.
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MD)

Since XX/XX/2023, I have been in communication with AidVantage regarding my student loans. My request was to remove all my loans from in-school deferment and to switch them over to the SAVE plan that I was previously enrolled in. My income was already verified for another year and application filed on StudentAid.gov was approved. Nothing was done. I called again XXXX and requested the same thing, they said it would get processed and nothing got done. I then called again on XX/XX/2023, and the representative said she filed rushed paperwork in order for them to process my request. I called on XX/XX/2023 to get an update of this and they told me the Supervisor had to rush request it again. I finally received a notice that my request was denied because my loans had been paid ahead by 12 months. I had not submitted any payment for my loans and when I look through previous documents received, part of my loans are on in school deferment and part of my loans are not. No one in Aidvantage is able to resolve this for me. I do not really understand what the issue is either.
Consumer complaint received 2021-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NORTHWEST BANCSHARES INC (PA)

At the beginning of XXXX, I questioned why my payments were being held instead of being applied to my mortgage. Ive also asked several times why I can not see the balance of my escrow account. I was promised follow-up, but no one ever reaches out to me. The customer service rep also could not tell me the amount. Why is this being hidden when it determines my payment each year?
Consumer complaint received 2021-02-26
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 (NY)

I ordered a tax software XXXX  that I tracked and " deivered " in a day. 
I waited a week and nothing arrived. There was a chat box on the supplier as I purchased it thru XXXX XXXX XXXX XXXX XXXX XXXX The chat box was the supplier " XXXX '' They said they can supply me software on a flash drive but not on a disk as advertised with plastic sleeve. This smells like a counterfeit copied software. I do not want it as " virus '' can be on flashdrive. Please credit me on this disputed purchase XX/XX/XXXX, XXXX for {$29.00}
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (WA)

I set up a crypto account over a year ago. It is/was linked to one of my bank accounts which funded the bitcoin purchases. I needed to withdraw and sell my bitcoin today to find that I no longer have an account linked to send money to, only able to send money to Gemini. No one home to answer the phone, only a chat bot that suggests multiple reasons my account would be locked, none of which are applicable and nothing specific provided. I emailed support and was told that I need a wallet address to withdraw to, and while I can purchase bitcoin via my bank account, they tell me that I can't withdraw back to my bank account, then provide no service to obtain or set up this 'wallet '. Reviewed online of complaints and clearly Gemini has done this to thousands of people who have put out horrible reviews with same issue. I hope you can only compel a resolution. I am also hoping that you can provide me with some direction aside from hiring an attorney to get my money back ( i.e. crypto overview agencies or other resources that may be able to assist? ) Thanks, XXXX