davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

Every loan payment made with Santander Consumer for my used vehicle is going toward interest. NOT XXXX XXXX HAS GONE TOWARD THE PRINCIPAL. I have asked for a copy of my contract via a customer service rep and still have not received a copy.
Consumer complaint received 2020-08-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC ()

I recently found that my credit score dropped 125 points on account of an amount of {$670.00} showing as a debt owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX by phone and was informed that the amount was incurred by me at the XXXX XXXX in Washington state on XX/XX/XXXX. When I requested the original bill I received an email from XXXX on XX/XX/XXXX, with directions for paying the amount and with an entry showing the amount of {$670.00} owed to Cascade Capital Funding LLC. My address on this document was also recorded  incorrectly. I sent XXXX an email on XX/XX/XXXX, requesting for billing details from the hospital for the amount due. I did not receive any response. I, therefore, followed up with a reminder on XX/XX/XXXX, which also did not elicit any response. I called XXXX on XX/XX/XXXX but was informed that they could not send me any further details. 

I reached out to the XXXX XXXX in XXXX which asked me to fax the details which I did on XX/XX/XXXX. The billing department of the hospital confirmed to me over phone on XX/XX/XXXX, that I had paid all my bills in full for my treatment at the hospital. I also contacted XXXX XXXX XXXX on XX/XX/XXXX and was informed that all my bills had been paid. I contacted XXXX again but they insist that I must show proof of payment against an account XXXX. The billing departments at the XXXX XXXX and the XXXX XXXX XXXX do not recognize this account. XXXX is unable to send me any documentation from the hospital showing details of the amount due, but insist that I must pay the amount.
Consumer complaint received 2021-10-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (MD)

I went to XXXX XXXX XXXX, Md to look at used cars on XXXX XXXX. I was going to co-sign a loan for my sister because she doesn't have established credit accounts. My sister picked out a XXXX XXXX XXXX and we took it for a test drive. The salesman that greeted us name was XXXX. We went inside to apply for credit we were shown a printout with corresponding interest rates to fico scores. According to the printout my fico score of XXXX corresponded to somewhere between XXXX XXXX something. After XXXX the salesman copied and recopied information several times he came back and said we only qualified for 13 % interest and couldn't even get that without {$3000.00} down payment. I suggested to XXXX my credit application should be ran with lenders I have a relationship with. He assured us the credit application was ran with many lenders with the best possible rate. We left the dealership but decided to go back the next day. I decided to co-sign for my sister. Again XXXX assisted us we were there for hours signing and resigning the same papers over and over. Finally we were sent to the finance manager who was fully aware I was to be the co-signer on the loan. My sister traded a XXXX XXXX XXXX in on the loan which she was credited {$200.00} for. I got a letter in the mail from Ally Financial on XX/XX/XXXX stating that because if misrepresented or omitted information they determine I'm the owner of the XXXX XXXX XXXX. Me nor my sister omitted anything on the loan application I'm supposed to be the co-signer. I have talked to Ally financial and they say they can't change the names of the signer and co- signer because they just buy the loan from XXXX XXXX and they determine signer and co- signer. This is even though the dealer misrepresented or omitted information on the loan application. I also have found out my application was only submitted to Ally Financial which is a subprime lender. I believe this what resulted in a higher interest rate. I was also told that we could only get a 48 month term because the auto is seven years old I believe this is a lie.
Consumer complaint received 2020-08-19
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: EQUIFAX, INC. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. My documents were submitted on XX/XX/2020 and received a week later and I have those records ... .no alert was even put on my credit file and all 3 bureaus continue to report the fraudulent accounts and is damaging my financial future!
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

On or around XXXX of XXXX, I went to a dealership to inquire about purchasing a used XXXX XXXX XXXX XXXX. I was given the vehicle to XXXXest drive for a few days. During the test drive time frame, the vehicle broke down on the interstate. I contacted the dealership and had the vehicle towed back to the dealership. I advised the dealership that I obviously did not want to purchase a vehicle that had broken down. The dealership said they would take a look at it and if it was something minor would I still be interested in purchasing the vehicle. I advised, possibly but it would depend on what the issue was. A few weeks later I received a letter and email thanking me for joining XXXX and a payment booklet. I was on my way out of town, so I took the payment booklet with me so that I could call the company when I landed. I called XXXX and spoke to a man, I advised him that I did not have the vehicle, that I never signed for the loan and asked why I had received a payment booklet. He advised that they received documents with my signature. I advised that I never signed anything, asked for a copy of the documents and even asked for video from the dealership showing that i signed. They advised me they would investigate. Their investigation was them calling the dealership and telling them i called. Nothing more. I assumed that it was resolved because I saw the dealership list the same vehicle for sale. In early XXXX, I received a call from a woman at XXXX stating that I was late on my car payment. I advised her that I did not have a loan with them. I did not have the vehicle and that I never signed any paperwork. She glossed over this fact and continued to try and make me pay for a loan that I never signed for. I refused. Later that year around XXXX or XXXX, I decided to check my credit report and saw that XXXX had placed the loan on my credit report and said i was late. Around this time, i also noticed that the vehicle in question was listed for sale on the same lot. I disputed XXXX XXXX Co ( XXXX ). They updated the report showing that it was a high balance of {$32000.00} but the balance on the account was {$13000.00} and that my last payment on the loan was XX/XX/XXXX, and listed the account as a charge off. This is completely inaccurate. I have never made a payment to this company. I never signed loan documents for the vehicle or with this company. They also listed the loan term of 66 months. I have no idea what the term may have been because I never signed a loan document. Also, based on their fraudulent update, they are stating that {$19000.00} was paid towards this fraudulent loan in 7 months. If this was true, how would the loan be eligible for a charge off? This company is a complete fraud, and has prevented me from being able to obtain credit.
Consumer complaint received 2023-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I was only recently made aware that some of my student loans have adjusted interest rates. Therefore the interest keeps increasing making my payments unrealistic to make. I also keep getting random emails regarding forbearances which I never agreed to. I have been making payments but dont believe this is making any impact.
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

XXXX  ( aka XXXX XXXX ) turned over a delinquent bill to Sequium Asset Solutions ( debt collector ) in XX/XX/XXXX, in the amount of {$680.00}, stating that the account was mine. However, after fighting this since XX/XX/XXXX, I finally got a letter from XXXX  ( on XX/XX/XXXX ) stating that the bill is NOT mine and that I'm not responsible for it. But, the delinquent bill has not been removed from my credit report ( as of the date of this correspondence ). I contacted Seqiuim Asset Solutions, the debt collector, to try and resolve this ; however, they have told me I am no longer in their system and that XXXX  is the one that placed this on my credit report, and that XXXX  is the only one that can remove it.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (CA)

I paid this debt when I left the XXXX XXXX XXXX and I showed them proof when I received a phone call from them and they said they will get back with me and never got in contact with me just put me in collections
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I attended XXXX University 's XXXX program from XX/XX/2018 to XX/XX/2018. On the last day of the semester, I withdrew per XXXX 's published guidelines. My account at this time was paid in full. After withdrawal, XXXX attempted to charge me {$2400.00} for a session in which I never attended a single second. They then reported this balance falsely on my credit reports by either mail or wire, unbeknownst to me. This fraudulent reporting has adversely affected my credit score every month since approximately XX/XX/2018.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

I was inquiring about a loan modification. I called the bank and was told that wasn't a option. I then started the short sale process but seem to get the run around with the company that was servicing the mortgage for XXXX XXXX XXXX. So the house went into foreclosure and the bank never served me court papers for said court date. I only was made aware of this process while doing a court search myself. I was going through the paperwork filed to the courts and realized that XXXX XXXX XXXX filed fraudulent paperwork to obtain this foreclosure in the first place. I filed a motion to ask the court to look at this matter but they couldn't do anything to help. 

I have attached a copy of the filing that I submitted and page 6 through 10 are the paperwork that XXXX XXXX XXXX submitted to obtain the foreclosure in the first place. If you look that the motion you can see where they cut and pasted parts of the contract to help them obtain the foreclosure. The contract on page 8 ends with paragraph 11 and then on page 9 it starts with paragraph 18. They cut out 12 through 17 in the  contract.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (SC)

On XX/XX/2022 I submitted a letter to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. As of today XX/XX/2022, more than 60 days from when they received the letters I have not received any type of response back from either of the bureaus. At this point, I feel like my consumer rights are being relinquished and I am being totally ignored. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. Additionally, according to 15 USC 1681b, there are no permissible purposes for this information to be reported on my consumer reports. I have not received a response in over 60 days now ; therefore, the accounts should be deleted. 

I demand that these accounts be deleted immediately. 

Additionally, I have checked and my information was impacted by the XXXX Data Breach and my information may have gotten into the hands of the wrong person, I am also demanding that the non-account holding inquiries be DELETED from my credit reports immediately.
Consumer complaint received 2020-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent several letters to TransUnion/ XXXX  and XXXX  inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

I received a fraudulant card in the mail today. It is not in my name, but was sent to my address from " ReliaCard '' issued by U.S. Bank with a return address of XXXX. XXXX XXXX, XXXX, IN XXXX. Despite claims made online that they are there for us " 24/7 '' I have spent the afternoon and, now the early evening, waiting on hold for a real-life human being to inform me if I am a victim of identity theft.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX  issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

XXXX
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

XXXX/XXXX
Consumer complaint received 2018-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC. (TN)

I have no knowledge of this account at all as far as opening it. I just settled this debt with XXXX XXXX , XXXX in XX/XX/XXXX. Now it has been added back without me even recieving notification via mail about the debt, just an alert from the credit bureaus XX/XX/XXXX. The company has not answered calls, or responded back to messages. I am attempting to close on a home, and this unidentified debt has impacted the process tremendously.
Consumer complaint received 2018-02-24
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: Onity Group Inc. (MA)

I have provided the following information to XXXX, XXXX, and OCWEN Loan Servicing LLC : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from XXXX and XXXX. 
This item, OCWEN Loan Servicing LLC, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The XXXX report does not specify a DOFD. The XX/XX/XXXX report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XX/XX/XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my XXXX and XXXX credit reports to correct the information in my file. I have disputed this item with XXXX and XXXX and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my XXXX and XXXX credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

OCWEN is providing incorrect information to XXXX and XXXX. There were no payments made in XXXX. The last payment date shown by XXXX  is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently applied for a furnisher account and shortly I was denied. I dont understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need thee items deleted from my credit report.
Consumer complaint received 2020-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was XXXX  in XXXX with XXXX a form of XXXX  XXXX. I was then laid off due to the pandemic. Kolhs has shut down store and I am locked out of my online account I was physically unable to make a payment. They have reported to the credit bureaus and have no financial relief to the pandemic. They are requesting a payment immediately.i have no income!
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

I tried obtaining a credit card from the bank Ive been with for years but I got denied. I was told I was unable to receive a credit card because I dont have credit history. Thats the whole point as to why I wanted a credit card. To build my credit. Its ridiculous my own bank Ive been with for years wouldnt allow me to obtain a credit card
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ONEMAIN FINANCE CORPORATION (FL)

* 'One Main Financial ' advertised an offer and i signed for, but it was a false advertisement. They were offering a 10,000 loan and the payback was over 30,000. Therefore i think they have to remove the hard inquiries for false advertisement. 

* XXXX XXXX sent me letter of pre-approval for car refinance, and i ended up with Hard inquiry. 

* I do not remember much about the XXXX XXXX XXXX I only do not want those inquiries last any longer on my credit report
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (MD)

XXXX will not retract the debt from the credit collection agency when the debt has been paid in full. I spent 2 hours at XXXX store in XXXX MD and spoke to XXXX XXXX XXXX who stated he could not assist.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Hello. My husband filed for bankruptcy which was discharged on XX/XX/XXXX. This was NOT a JOINT bankruptcy and our home was not included in the bankruptcy. My name was not included in this bankruptcy in any way, shape, or form. A mortgage servicing company called SPS Select Mortgage Servicing acquired our mortgage in the fall of XXXX. We had previously been with XXXX XXXX. When checking both of our credit reports, I noticed that our mortgage was not listed. I have contacted SPS and have receieved information from then that my husband did not have a reaffirmation agreement with them so this has not only affected his credit but my credit as well. I am co-owner of this property and I was not and am not included in this bankruptcy from 11 years ago. I have spoken with my attorney who advised me to file a complaint about this as this mortgage should be on my credit report.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (LA)

I have tried several times to reach this company to request a copy of my credit report, opt-out of credit offers place a security freeze on my consumer file. 
I have reached out by phone, fax and email