davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
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: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/XXXX, I was on the XXXX XXXX website. After selecting a vehicle, there was a statement to pre-qualify for the loan and that it would not affect my credit score. I pressed the pre-qualify button, answered questions and received about two emails stating that I had been approved. Then, I received a call from XXXX to follow up on the questions. Since he discussed more than the questions, I asked if he did a soft or hard inquiry. He said a hard inquiry. I said that I only consented to pre-qualify, which is a soft inquiry. I told him that it was fraud and I wanted it removed from my credit report. He said that I was not approved based on something else and he would direct me to his fraud department but I declined. Next, I immediately sent a message to XXXX customer service via website. The following day, XX/XX/XXXX, they sent an email stating : that they provide a space for buyers and sellers to connect on their website and the loan pre-qualify is from XXXX, a third party auto loan company that advertises on their website. Additionally, I could contact XXXX and they apologize for the inconvenience. So, I have been monitoring this issue through XXXX  ( XXXX and XXXX ) but it never showed up. However, I recently received a letter from XXXX/Santander Consumer USA, which mentioned it reported to XXXX. Finally, this is why I am filing the complaint now and I want the hard inquiry reversed to soft inquiry. FRAUD ... ...
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (TX)

I resided at XXXX from XXXX ( see attached ), and I had a move out balance of {$110.00}. The apartment collection agency ( XXXX ) posted this on my credit report TWICE. The balance has been paid to XXXX since XXXX XXXX, XX/XX/XXXX ( see attached ), however it is still showing up on all credit bureau as a DEBT and as a DUPLICATE. The collection agency is giving me the run around and it has affected me tremendously, and I need this debt to be removed IMMEDIATELY!
Consumer complaint received 2017-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IN)

Yes my name is XXXX XXXX I have sent a security deposit of XXXX to open a citi bank secured credit card. I had it for a few days when i called to have help creating online banking for my card. Somehow they think i was fuard and blocked my card. Its been blocked sense the XX/XX/XXXX. I tried everything in my power to unblock it and the number i have on my account they stated they cant verify it. I dont have a landline im XXXX why do i need a home number. The early warning citi bank would not let me cancel my card even if i cant use it. Their service is very rude and the people that i have talked to isnt even american. So i would like my card closed and the refund of the rest of my security deposit thats left. Thank you. I will never ever do buisness with citi every again in this lifetime Horrible service.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Sale of account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a secured credit card through Orchard Bank, XXXX $ deposit, XXXX $ credit limit. Orchard apparently sold their accounts to Capital One a couple years ago and I have been paying them since and have paid them off now. I called to ask about my deposit and they said that they have no record of my card ever having been secured and have no record of my deposit. On line, I see that there are many others that this has happened to as well. I would appreciate receiving my XXXX $ back.
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

I was denied credit for a XXXX card and would like to request a free copy of my business credit report from Experian. I have attached a letter of denial from XXXX, which should entitle me to a free copy. Thank you.
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OR)

Previous complaints have been settled with my mortgage company ( Ditech ) They canceled the {$210.00} additional forced flood insurance policy after realizing I had already taken care of the additional coverage they requested with my own flood insurance company ( XXXX XXXX XXXX XXXX ). They did say my escrow account has a shortage of around 70 something dollars and in the past they have given me the option of paying it and I do that in order to keep my monthly payments from going way up. Thanks for your time and help because it seemed no one was listening to me.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (WA)

I had a settlement agreement with TD Bank for XXXX XXXX XXXX XXXX. The agreement letter states that Upon receipt of your payment, your account will be considered settled in full. My credit reports show that TD Bank is still reporting a balance and not Settled in Full as stated in the agreement letter. I also have yet to receive a Letter of Satisfaction from TD XXXX. Our agreement was to pay a lump sum of {$1600.00} by XX/XX/2022. I paid {$1600.00} on XX/XX/2022 and the funds were taken from my bank account on XX/XX/2022. I have called TD Bank multiple times requesting the letter of satisfaction and for my credit report to reflect Settled in Full. One agent told me they dont give these letters or any type of receipt and that my agreement letter and bank statement is all I get. Two other agents told me they in fact do send a Letter of Satisfaction but it takes 7-10 business days. It has been 19 business days since the funds were taken from my account and 21 business days since I paid. I have still not received the letter or seen the change to my credit reports. I tried calling their Specialty Department number that an agent I spoke with gave me. He said the Specialty Department is who sends the letters and updates the credit report however, that phone number, ( XXXX ) XXXX, just plays music. No one ever answers and there is no recoding prompting you to speak with anyone. I am submitting both the agreement letter and a photo of the bank withdrawal from TD Bank.
Consumer complaint received 2016-12-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (WI)

I have had this student loan for going on 10 years. When I signed up for this student loan I was told that I could receive a co-signer release after making two years worth of on time payments. After making my two years worth of on time payments I was told that I could not receive a co-signer release because I was on a graduated repayment schedule which had a lower payment than the full schedule payment. They said I had to make an additional two years worth of full on time payments before I would qualify to have my co-signer released. I called in yesterday to check to see if I have made enough full payments to have my co-signer released from the student loan and was told because I took a temporary forbearance on this loan that it prohibited me from ever getting a co-signer release. If AES knew I have been trying to get a co-signer release when I requested the temporary forbearance why would n't they tell me when I called in " If you do this your going to be stuck with your co-signer forever '' why does it not stipulate it on any of the forbearance paperwork I received from them? This is deceptive and wrong. They need to honor our agreement for the co-signer release.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2019-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (GA)

On XX/XX/XXXX my school, XXXX XXXX, went through its billing cycle ensuring that classes were paid for. We the students patiently waited for our refund checks to be deposited or sent and weeks went by with no update. Now here we are at the start of XXXX and we are finding out through articles on the internet, not the school itself, that the funds for the refunds are not there. There seems to be nothing to school can do at this point to ensure all students receive their refunds. The school was to refund me a stipend amount of {$6300.00} but failed to do so. I need to understand how this can be remedied.
Consumer complaint received 2017-10-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There was a debt ( XXXX XXXX ) removed from my credit report but was added back the same day without notifying me.
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (PA)

I received in the mail a letter where I've been told to show up for a court hearing about a debt that I knew I had, and have already set up payments with another company called : XXXX. This court docket does not tell me anything except the company they are representing and how much money I supposedly owe, which I can't even verify this amount as correct. Then I tried to call them and they wanted my credit card number and when i said XXXX dollars over the phone on my credit card was too much and they said okay, how about XXXX dollars and then XXXX dollars a month. I still don't know officially who I am talking to. He hung up on me. Then I tried to call Crown management and she gave me the same number to call that I had just talked to. Supposedly XXXXXXXX XXXX  XXXX, XXXX I looked up the XXXX name online, she apparently does exist. But this is very creepy and I don't know if it is legate and why is this all I received was a letter taking me to court.
Consumer complaint received 2017-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I am a XXXX, XXXX elderly man who is having issues with Wells Fargo, my mortgage company. My monthly payment has grown from {$800.00} to {$1600.00} without proper explanation. I have asked Wells Fargo to not pay my insurance because I pay it myself and they are still adding addition escrow payment onto my monthly payment. As a result, I am paying my own insurance and property tax, and so are they and yet I get no money returned to me. I have tried to work this out with Wells Fargo and to no avail. I am currently XXXX months behind on my monthly payment and while I was able to afford the original payment of {$800.00}, I simply can not afford {$1600.00}. This issue is greatly affecting my health and well being and I am seeking your help in resolving this issue. Thanks in advance for your assistance.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (SC)

First, I made a payment of {$1500.00} before the cut off time on statement close date. Pursuant to the Wells Fargo Home XXXX agreement d/b/a XXXX XXXX XXXX, XXXX Payments received by XXXX XXXX local time at the Payment Address will be credited as of the date of receipt. '' This payment posted on XX/XX/23 the same date of statement closing on XX/XX/23. Wells Fargo incorrectly reported the balance as {$3300.00} to XXXX and XXXX. When it should have been {$1800.00}. This error incurred by Wells Fargo caused a drop in credit score. My account balance reporting should reflect {$1800.00} per your agreement and paying on time. 

Second issue, this was a no interest no payment credit line available for 12 months ( no interest paid in full ). When viewing my account minimum payment due was {$65.00} for XX/XX/2023. I paid this today ( XX/XX/2023 ) but why is your credit product offering and marketing different than what has occurred on my account? 

Thank you for your time.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have been having issues with my Bank of America " Customized Cash Rewards Visa Platinum Plus '' for over a year now. Back in XXXX of 2021, I had called in for technical support, because for some reason, when my account was converted, somehow, my autopay option for minimum payment went away. So after speaking with two ladies in XXXX, they were still unable to help me get it figured out. After much frustration, they told me they were able to " reset '' my account so I could set up autopay with minimum payments. Nope. They finally did something in the background to where my payments would be made. I just realized that I've been getting " late '' fees since XXXX of 2021. Sometimes, the late fee is {$10.00}, sometimes it's {$3.00}, other times, it's {$39.00}. My autopay payments have been coming out and being credited to Bank of America the day it's due! 

I've tried to call in for support, but every time I get someone, the connection is so poor that I can only hear 50 % of what they're saying. This has only added to my frustration, and they always accuse me of yelling, even though I am extremely patient and calm. I encourage someone to pull the calls, because I have been hung up on, and frankly, been disrespected multiple times. I was finally able to get a hold of a supervisor, XXXX, who was able to confirm that instead of making minimum payments. It had only been set up for a fixed dollar amount. She was also able to reverse all my fees from XXXX through now. XXXX was extremely professional, clearly explaining what she was seeing on her end, and offered to help in other areas as well. However, unfortunately, the issues I'm experiencing seem to be outside of her control.
Consumer complaint received 2019-02-28
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. (MS)

Several letters were sent to XXXX XXXX XXXX for validation of account beginning in XX/XX/2018. The company sent a summary of account from the previous creditor but the items required for validation per law were never sent. After sending the second letter, XXXX stated they were uncertain of what the dispute was and asked for a written explanation and documentation regarding the dispute. As of today, I'm still receiving phone calls regarding this account and have yet to receive validation.
Consumer complaint received 2015-12-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PDQ Services, Inc. (GA)

I took my ex-girlfriend 's XXXX son to XXXX XXXX XXXX, with the agreement that the mom would pay any fees incurred. The doctor 's office 's posted financial policy, that I agreed to, states only the custodial parent will be held responsible for any unpaid balances. In addition, the State of Georgia has a Parental Responsiblity Act reflecting a law which states only the custodial parent can be held responsible. XXXX XXXX XXXX says, since I filled out the medical forms, it is assumed that I am the parent, therefore have joint responsibility. Georgia laws and the merchants financial policy state otherwise. I have disputed this debt numerous times with XXXX and all they do is verify whether or not the doctor 's visit took place. That is not what I am disputing. I am disputing the legality of being held responsible for the unpaid debt and having it posted to my credit report by PDQ Services XXXX Inc. When I provided parental records, legal documents, financial policy, and copies of the laws to the credit reporting agency, creditor, and collection agency ; they refused to honor the documents. I have provided more than enough information to be exonerated from any financial responsibility and have had no solution from any party. XXXX will not honor the information I provided and referred me to get help from Bureau Consumer Financial Protection.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I've written Debt Validation ( XXXX Letters ) dated XX/XX/2022 addressed to the bureaus for the negative items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also mailed a letter for the Method of Verification. It's been more than 30 days and I haven't received any response. Under the FCRA, unverifiable accounts must be removed.
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (AZ)

I had asked this company to refinance debt as I had a lower income and they advised me I must be behind on payment in order to refinance. After becoming delinquent I called and tried to refinance as I was advised. Then they stated that they didn't know who told me that but it was inaccurate. So with being said I was too far behind to catch up and was told there was nothing they can do for me. I have attempted to reach out to them in regards to settling the account for less or start re paying and I have yet to get any response.
Consumer complaint received 2017-05-30
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: JPMORGAN CHASE & CO. (NY)

I ask for Validation from chase bank because they are reporting a account i am not sure of i was sent a letter stating Account info rmation is not available? i also asked   XXXX   to verify and I would Like Proof As per Sec 605, 609, and 623  no proof was every provided but replied back that Chase Bank  Verified  account and updated it on  XXXX   XXXX ,  2017 .
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Ditech formerly known as Green Tree Servicing, LLC made an interest and principal payment adjustment for my XXXX 2015 monthly payment of which Green Tree Servicing has already acknowledged in the past to making adjustments and still has not been corrected. Adjustments seem to take place when I make an additional principal payment on my fixed rate mortgage that has no prepayment penalty. Adjustments of daily interest occur starting the XX/XX/XXXX and is added to the next months monthly interest. Also their website financially binds the clients and I absolutely did not agree to the Web term use. The website disclaimer reads in part, " You ( and not Ditech ) assume the entire cost of all necessary servicing, repair and or correction. The same disclaimer wording also for Green Tree " You ( and not Green Tree ) assume the entire cost of all necessary servicing, repair or correction. ''
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.

2. Failed to provide copy of the original contact bearing my signature.

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )