davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (NJ)

I paid off my loan in XXXX of XXXX. The company has not applied my payment to my account and keeps sending it to repossesion. I am the only one that keeps trying to contact them. I have been told that they keep trying to call me and then close complaint. They have called once. I do all the calling. They keep changing my phone number even though I have told them I only have one number and it never changed. They have also changed my address even though it has never changed. i found out they changed it to an old roommate ' s number, even though i have stated that i have not moved. I am tired of being bullied by them even and lied to!!!! They do as they please! I was told by a XXXX XXXX on Monday, XX/XX/XXXX that all documents were received. Now I am being told that it wasn't by a XXXX XXXX. I had to leave work early to go and resend it. 

This company doesn't have it's head screwed on corrrectly I have placed a complaint with the State Attorney 's Genera Office in NJ and also contacted the Federal Trade Commission
Consumer complaint received 2023-01-23
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. (KY)

Have a freeze on credit report, checked on score for a loan. Credit report states there was a account opened on XX/XX/XXXX and first delinquent on XX/XX/XXXX, inaccurate information from a financial institution I disputed on XXXX with all 3 credit bureaus XXXX, Transunion, and XXXX and also disputed over the phone with Transunion. Reminded them about the freeze. Tried to add to my dispute that an inquiry was done also from a banking institution for a credit card on XX/XX/XXXX and XXXX online on all 3 credit websites was refused access so I called each one still no response, would answer the phone but no response. I wrote all 3 agencies an Investigation and Verification Letter and put it on the Consumer Statement Page asking for verification again that this account was opened on XX/XX/XXXX or Delete this account from my credit report., my request was not answered. I asked for verification or delete this from my credit report. Thank you for your time.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I applied for an account with XXXX XXXX/ XXXX XXXX about a month ago. I was approved for a {$300.00} line of credit and made a purchase. Then it started reporting on my credit report as included in Bankruptcy. I have never filed for bankruptcy. I sent a letter directly to them and they sent me a letter back with all kinds of miss information. I received a letter dated XXXX XXXX stating that I opened the account on XX/XX/XXXXand made a purchase on XXXX XXXX for a daybed that was then cancelled and then I file Chapter 7 bankruptcy on XXXX XXXX with a standard discharge on XXXX XXXX and that as of XXXX XXXX the bureaus were reporting this account accurately. I tried sending them a second letter including the current bill. I have never been in bankruptcy and did not previously open this account.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I applied for an account with XXXX XXXX/ XXXX XXXX about a month ago. I was approved for a {$300.00} line of credit and made a purchase. Then it started reporting on my credit report as included in Bankruptcy. I have never filed for bankruptcy. I sent a letter directly to them and they sent me a letter back with all kinds of miss information. I received a letter dated XXXX XXXX stating that I opened the account onXX/XX/XXXXand made a purchase on XXXX XXXX for a daybed that was then cancelled and then I file Chapter 7 bankruptcy on XXXX XXXX with a standard discharge on XXXX XXXX and that as of XXXX XXXX the bureaus were reporting this account accurately. I tried sending them a second letter including the current bill. I have never been in bankruptcy and did not previously open this account.
Consumer complaint received 2023-03-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I have filed a complaint and the information that Wells Fargo sent is incorrect. According to Wells Fargo, I was a XXXX XXXX XXXX and then got a job during the process of buying the house. I had been employed XXXX years. I was employed less than a month which warrants further investigation. This is a HELOC loan given in 2005 when Wells Fargo admittingly was offering fraudulent loans to unsuspecting victims like myself. This is predatory behavior and as per their statement, I did not have the income if you look further into this complaint. Full-time XXXXXXXX XXXX  means no job. On top of this, they could not have figured out my monthly income based on the XXXX years I had worked. The XXXX was not below the 50 % when factored in the less than a month work and before taxes. Again, if you actually investigate this you will see the predatory behavior that is clearly shown on this account. I am tired of being the victim of this bank and I need assistance in these fraudulent charges and how they preyed on a XXXX XXXX XXXX right out of XXXXXXXX XXXX with no savings and less than a month of work.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have duplicate marks showing closed & open with my school loans several times ( due to them selling my account without me knowing ) reporting on my credit report. I have called and talked to someone but they are telling me it will go away. That was 6 months ago. I call every other month and keep getting the same answer.
Consumer complaint received 2018-09-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I already tried to connect and complain about this issue. I have $ XXXX   monthly payment plan, I keep pay {$600.00} but my balance doesn't go down at all. When i complained about this issue before, XX/XX/22, it was 7 months ago and my current balance was {$35000.00}. I made 7 payments since then {$600.00} x 7= {$4200.00} total but my balance only went down {$1000.00}. I dont understand this at all. Since I borrowed the loan I paid almost {$35000.00} but my loan only went down {$10000.00}. I dont believe this is correct, otherwise It looks like I have to pay back {$500000.00} to pay my {$45000.00} loan.
Consumer complaint received 2018-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

PennyMac misappropriated the entirety of multiple payments as " Principal Reduction '' as opposed to " Payment '' and then proceeded to charge a series of late fees. When attention was raised PennyMac agreed to withdraw only the most recent late fee.
Consumer complaint received 2021-09-03
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. (FL)

I did not benefit in any way from the fraud. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen my identity. None of these fraudulent accounts are related to any of my legit transactions. I was checking my free annual credit report and I found these accounts that do not belong to me. I declare that I did not authorize anyone to use my information. This information is not information relating to any transaction by myself.
Consumer complaint received 2020-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (NV)

I applied and was granted a financial assistance/ payment assistance after evaluation of my taxes and pay stub by XXXX XXXX XXXX XXXX XXXX I have a XXXX  balance screen shot given by XXXX XXXX from XXXX XXXX XXXX XXXX financial Department given XX/XX/XXXX I have a XXXX  balance statement and sent cerify mail for them to validate my financial and legal obligation and also nor AMERICOLLECT OR XXXX XXXX XXXX XXXX have not responded to that. 
Acct # XXXX Date of service XX/XX/XXXX Account # XXXX emergency services ( wiht no date of service printed on the bill ). 
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of service XX/XX/XXXX. And XX/XX/XXXX Including any related accounts and bill that may not be included on this letter under my name XXXX XXXX and SS ending on XXXX. 

This Is the third communication sent to : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. 

And AMERICOLLECT from XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There are multiple parts to my problem but I am submitting a complaint based on an over payment of bill, because I had a XXXX $ credit limit and when I swipe a card anywhere if its XXXX $ over I will get declined but when XXXX submits a charge of XXXX $ to go through its no questions asked they are open to approve me then on a payment I didnt agree to that was supposed to be around XXXX $ and I even while Im asking to pay from a different form of payment I dont understand how a XXXX $ charge can go through for that company and the credit card company just approves that, when this happened I called immediately and the credit company said dont worry I have protection but 6 months later my credit is ruined I got denied on a loan I was already approved for to start a business and Im in debt close to XXXX $ and cost me a loan that I was approved for XXXX $ on and it cost me I only had a XXXX $ credit limit. I also was not the person driving the car that was rented I should of had a XXXX $ charge but the car was taken without my permission and driven across the country, when I tried to report it stolen to the police department they would not let me since I was not the owner of the car and after the close to XXXX  $ charge posted on my credit card I was so in shock knowing I couldnt make a payment like that I didnt even think until now what was that even approved on a XXXX $ credit card. Im sure there is some reason this is aloud or why thats possible but I do not think it should be, that is way beyond my level of cash income for that time now I am even worse off but then I was not good either. This happened in XXXX around Covid also the last time I had a steady job and was the beginning of a spiral downwards of bad things happening. I would like to add that my girlfriend was the one who stole or took without my consent the vehicle, I tried to stay nice with her at first hoping she would just return it on time but she instead ruined my life. I submitted a complaint on identity theft. Org over this too but I dont want to accidentally vomit perjury and get myself into trouble also the reason I delayed on contacting anyone, the budget car rental company still has not been informed, but I would almost rather get in trouble for that then. Have my whole life destroyed any longer if there is anyone reading this with any knowledge base of resources I could possible use so that I am not stuck paying off a bill my now ex girlfriend made for the next decade please help, also if I am in the wrong area to make a complaint over a situation like this I apologize I did not know about the FTC until last week. The suspects my ex
Consumer complaint received 2020-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

To whom it may concern : I have sent three letters to Professional Adjustment Co XXXX XXXX XXXX XXXX XXXX, FL XXXX Dating XX/XX/2020, XX/XX/2020 asking them to verify the debt of medical bills {$150.00}, {$330.00}, and {$400.00}. After 30 days haven't received a response for {$330.00} but on XX/XX/2020 received verification of the a debt of {$150.00} and {$400.00}. I have responded with a letter on XX/XX/2020 asking for validation and poof for the medical debt. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe. By furnishing my account information to any collection agency is not in compliance with HIPPAA or Florida 's Privacy Act, and any subsequent reporting of these account on my credit reports to XXXX, XXXX, and XXXX  is clear violation of Public Law 104-19. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-28
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be deleted immediately : 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 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 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 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 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 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 XXXX XXXX
Consumer complaint received 2020-09-08
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)

Consumer Financial Protection Bureau : EXPERIAN CONTINUES TO CLOSE MY DISPUTES and EVEN DENY MY DISPUTES ONLINE. 


PLEASE DO NOT ALLOW EXPERIAN TO CLOSE MY DISPUTE AS I HAVE NOT BEEN ALLOWED TO DISPUTE NOR HAS MY REQUESTS TO BLOCK, ADD A PERSONAL STATEMENT, OR RECIEVE MY CREDIT FILE BEEN ALLOWED. 



I have tried to dispute it online via the paid subscription service I have and via mail. Experian tells me that it APPEARS NOT TO BE ME. Each time added days to the dispute allowing XXXX/XXXX XXXX XXXX TO PULL MY CREDIT FILE WITH THE UPDATED PERSONAL INFORMATION I PROVIDE TO EXPERIAN. FURTHER ALLOWING XXXX/XXXX XXXX XXXX TO VERIFY A FRAUDLENT ACCOUNT IN MY NAME USING MY PERSONAL INFORMATION. OF WHICH THIS INFORMATION WAS PROVIDED TO EXPERIAN TO DOCUMENT AND SUBSTANTIATE MY DISPUTE OF XXXX/XXXX XXXX XXXX AS FRAUD.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

I was logged into my XXXX XXXX account and saw a pre-approval offer for a credit card. I filled in my Name and Address ONLY and clicked to the next screen, I was not notified at all that I was filling out a credit card application. There was no warning or no disclosure. Now I have a hard inquiry on my credit report that I would not otherwise have ever asked for. This was very misleading.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Neiman Marcus is partnered for a credit card with Cap 1.

For ALL cardholders ( even those is great standing ) that hadn't used their Neiman Marcus card for 2 years, Cap 1 automatically lowered the NM credit card limit to {$500.00}. 

There was no letter or communication sent to cardholders warning this would happen if they did not utilize the NM card. 
Neiman Marcus customer service told me 2 times on 2 calls they
could do nothing about this - it was done by Cap 1.

I called Cap 1 and they said it was NM that did it.

Bottom line - this hits our credit reports as a decrease in spending limit and thereby lowers our credit score - because now our overall debt to overall credit limit ratio looks worse. 

My overall unused credit limit reflected on my credit reports is now {$12000.00} less - that was a huge % decrease and negatively impacted my credit report score.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm a home owner Of twenty years And I can not get a payment History from the three Credit bueral XXXX  XXXX XXXX Did a investigation The information reporting To the three bueral is correct When I look at my three Credit reporting every month They don't show my payment history on my home of twenty years Can this problem be Fixed
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

My loan servicing company : Fay Servicing and the trustee on my loan XXXX XXXX XXXX XXXX put me in a Forbearance period from XX/XX/2020 to XX/XX/2020 due to : ( Covid-19 aka Corona Virus ) The repayment plan date started XX/XX/2020 for six months. First mortgage payment of the amount of {$5200.00} with a repayment forbearance payment of {$5200.00} to pay for the XXXX payment XX/XX/2020. 
XXXX XXXX Fay Servicing posted 2 payments total XXXX. Today I received a letter dated XX/XX/2020 from Fay Servicing an NOTICE OF DEFAULT AND INTENT TO ACCELERATE against my home if {$39000.00} is not paid in full. That was not the written agreement Fay Servicing offered in XX/XX/2020 on the repayment plan. I believe as an minority senior citizen I have been taken advantage of this trouble Fay Servicing and XXXX XXXX XXXX. 

Furthermore, this is Mortgage Fraud practice by : Fay Servicing and XXXX XXXX.
Consumer complaint received 2020-07-09
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: SYNCHRONY FINANCIAL (OH)

Beginning in XX/XX/2019 fraudulent purchases were made on a Paypal credit card in my name. The underwriting bank was Synchrony Bank -- I contacted them by phone to alert to fraud, they investigated and did not resolve. I submitted additional info by fax, I filed a police report, more phone calls, more investigations and still no resolution. I have since hired an attorney and sent Synchrony Bank a demand letter stating that 100 % of these charges are fraudulent and still no resolution. The current outstanding balance on this account is approximately {$11000.00} at this point, including late fees and interest charges.
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC amount owe {$1100.00} XXXX XXXX Not My debt Called Company to dispute XX/XX/2020 COMPANY STILL HAS YET TO REMOVE/DELETE from my credit profile
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

This is a continuation of a complaint that I filed with this company on XX/XX/2020 with the complain ID : XXXX. This issue had not been resolved to my satisfaction. I received an answer via email from a gentleman named XXXX with ID : XXXX on XX/XX/2020. In such email it states that and I quote : pursuant to the terms of the original promissory note and deed of trust, copies of which are enclosed for your reference, SLS is unable to apply a payment that is less than the total amount due. End quote. 
Oddly enough, copies of both ( the deed of trust and the promissory note WERE NOT attached so I could see on paper for myself if this is indeed true. I request to please provide me with those copies as they should have been attached to begin with. The only enclosures I received was the payment history and payment transaction codes. I still request an adjustment to be made on my late payment history so I do not show delinquent more than 31 days for XX/XX/2020 to potentially get a better rate on a refi! 
XXXX XXXX XXXX This is in regards of my mortgage acct : XXXX with SLS XXXX XXXX. XXXX XXXX, XXXX XXXX, Co. XXXX.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (PA)

I received a letter dated XX/XX/2020 in regards to a debt that was already removed from my credit report. When I tried calling the number provided, I was directed to a scam phone service using the number XXXX. The debt was originally from XXXX XXXX and it has already been removed from my credit report. I refuse to pay credence excellence beyond belief as they have me a wrong amount due ( it should be {$0.00} ) and a fake number to reach them.