davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disputed late payments on my XXXX, TransUnion and XXXX credit report and provided proof that the original creditors were contacted, and the late payments remain. XXXX, TransUnion and XXXX are in clear violation of my rights as a consumer. I sent over a letter received from XXXX on XX/XX/2021 advising that all late payments should be removed and as of today XX/XX/2021, they remain. I sent over a letter sent to me from XXXX / XXXX stating to discharge and remove any late payments and as of today XX/XX/2021, they remain. The below listed accounts have not been resolved and late payments still remain : Account Name : XXXX Late Payments : XX/XX/2021 and XX/XX/2021 Account Name : EXXXX Late Payment : XX/XX/2021 Account Name XXXX XXXX XXXX Account Number : XXXX Late Payment : XX/XX/2021 Account Name : XXXX XXXX Account Number : XXXX Late Payment : XX/XX/2021 2021
Consumer complaint received 2020-10-16
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. (MO)

I am writing this letter because there are accounts being reported that's not minesXXXX XXXX XXXX XXXX-I have have no acknowledge of this account XXXX-I have
no acknowledge of this account XXXX XXXX XXXX-I have no acknowledge of this account XXXX XXXX XXXX I have no acknowledge if this account
Consumer complaint received 2016-04-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MD)

On XXXX XXXX, 2016 Santander Consumer USA received a cashiers check in the amount of {$21000.00}. Santander claims they did not receive the check. Attached is a certified receipt from the XXXX. Postal Service proving the check was received. Also, attached is a clearance code showing the funds are available. On XXXX XXXX, 2016 a representative from Santander requested I fax in proof the funds were available. The clearance code and bank information was faxed to Santander. ( See Attachment ) The check was written by my brother, XXXX XXXX.
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (NY)

XXXX company had disputed a past bill with me back in XX/XX/XXXX. The problem was the company was trying to over charge me after I had canceled services with them. During the time of the dispute the company stated in XX/XX/XXXX that the account was settled and I was no longer in debt with them. Now four years later from having the services XXXX submitted to another company called MRS a report to collect a debt from me on a matter that there company had already disputed. MRS BPO , LLC XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX. Provided an account number XXXX XXXX for the amount of {$350.00}. As I have stated to the company it seems to be a scam going into affect because I had already disputed the account years ago and it was no longer a matter with me pertaining to a balance owed but ; after years passing it has come back up on the radar. This matter should have never went outside of XXXX my last conversation with the company was about the bill and it was handled in a timely matter to the point it was no longer an issue. It was removed off my credit report and now years later it appears back as if this was never handled by the consumer themself XXXX.
Consumer complaint received 2018-05-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bliksum, LLC (MO)

Today XX/XX/ XXXX XXXX from XXXX XXXX XXXX, call my phone left message for my husband that I said she was verifying my information for a job I had applied for, she also called my daughter and mother and told them the exact same thing. That I had applied for a job, and she was just verifying my information with them because I used them as a references. This is the second set of calls that my family has received from this company. The first time it was a guy named XXXX that called. He also called my mother, daughter and a cousins husband. When I asked her to quit calling all my family she said that I used them as references and she could call them if she wanted to, so she could verify my information.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (HI)

XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any. Thank you with sincerest respect.
Consumer complaint received 2015-07-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I received a loan from Drive Financial in the amount of {$15000.00} in 2008. The loan was secured through a XXXX dealership. Santander purchased the loan. As of today, I have paid over {$33000.00} on the loan and still owe {$9100.00}. How is this legal?
Consumer complaint received 2017-02-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

Santander auto car loan Has been the biggest rip off I hav ever come across I 've been monitoring my credit making on time payments an then I noticed that not one payment not XXXX Dollar not XXXX cent I have payed has gone to the principle of the loan. My principle have stayed the same the whole time I was paying the car note currently researching legal representation
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

We disputed XXXX XXXX XXXX with Equifax on both myself and my spouse ( XXXX XXXX ), We even went to Court to bring an end to this dispute. We went through the Magistrate Court of XXXX County which brought an end to the dispute. The matter is now Closed and this was sent to Equifax to have the matter to remain after repeated request and the court documents to Remove and close this matter. It appears that Equifax shows positive items as negative stated Sells of Accounts that actually are Insurance disputes. We have had numerous complaints as well as a contact of Equifax being sued under a Class Action for the same thing. We need your assistance as my wife filed a claim under XXXX.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I am the owner of XXXX XXXX XXXX, XXXX, NC XXXX. 
I bought the property in XXXX and paid as agreed until the endof XXXX. Due to personal and economic problems, I could notkeep up with payments to Select Portfolio Servicing XXXX XXXX XXXX. Both Deed of Trust were obtained at the timeof my purchase. These Companies are the current servicingcompanies that this complaint is all about. 
I gave up with XXXX XXXX even though they are chargingme a current rate of 12.5 % interest. They are impossible totalk to on the phone. Harassment is the only descriptionthat can define this company. I have gotten well over XXXXcalls, even on Sundays per year. It should show in their records. 
I had worked with SELECT PORFOLIO SERVICING to obtain anadjustment of the current interest rate of 8.5 % but I wasnever able to get a positive response. I decided to ask for aDeed In Lieu due to the fact that SPS has gotten appraisalsand XXXX to find the current market value, I bought the property at {$85000.00}. Today it is reported that is worth no more than {$40000.00}. Since I stopped payments, interest and penalties has adadded up to over {$96000.00}! 
After months of paperwork, In XXXX XXXX, I was told by SPSthat the STATUS of my account was at a Title search stage. 
Every single conversation with SPS has my permission to berecorded. Within days from that phone call, I received a letterfrom SPS denying my request for a Deed In Lieu due to lack ofsent by me. Since then I have copies of faxes sent to SPSshowing information as per request, yet I receive letters almostdaily, from SPS. My stack of papers is now over XXXX inches thick. 
I have been to court XXXX already for a foreclosure hearing. 
XXXX it has been reschedule because I showed the courtpapers to prove my case for the Deed In Lieu. Next courtdate if XXXX XXXX, XXXX. I have proof that SPS is very wellaware of this date. 
I do not know what else I can do to make SPS to have theunderwriter do his/her job and finish what was startedover a year ago. 
I just send a package to multiple parties asking for help toresolve this situation. 
NOTE - The home is not in bad condition. It can easily beupgraded for very low investment and it must appraise ata value of at least {$70000.00}! I know, I am able to get CMAwhich is a Comprehensive Market Value from the MultipleListing Service that REALTORS use. 
SPS is practicing business in an incompetent manner. 
This situation could have been completed to the satisfactionof the Investor holding the Deed of Trust and SPS. 
A family could be living in this house for a very low price andall parties could have saved time, money and aggravation.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

Since XXXX2013 XXXX XXXX is not to be on my credit reports! All of the student loans went to XXXX XXXX XXXX and are closed and XXXX. I have been sending proof of this since XXXX2013 over and over and over at great expense. Nothing has changed except now it is like there is double the student loans. XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX 's say " transferred to another office '' ( as if! XXXX is not their office, we know it is but technically it is not ). They also have " late payments '' AS IF! ALWAYS IN DEFERMENT UNTIL XXXX FINALLY GOT THEM AND XXXX, CLOSED. XXXX XXXX should not be on any of my credit reports. They are gone, forever. It makes it look like there are XXXX different student loans! All of the info XXXX XXXX puts on my credit reports is wrong, and has been wrong for years and years, but this is even worse since they are out of my life forever! None of the credit bureaus does a thing about it even after they have received the proof from XXXX XXXX XXXX at least XXXX. GET IT OFF! In addition, this XXXX co. has repeatedly put " opts out of offers '' NO I DID NOT, NOT EVER, I WOULD LIKE OFFERS. Since XXXX2013 have said get that off, they continue to put that on!
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

My home loan was modified back in XXXX 2014 under the Making Home Affordable Plan. My lender, Wells Fargo, is now denying assistance due to the already obtained modification assistance last year. I suffered from an income reduction and increased monthly expenses due to the co-mortgagor leaving the household thus reducing my household income by 50 %. I am now 5 months behind and they refused to review my request for assistance through other programs available for help. Please help me save my home!!
Consumer complaint received 2022-08-08
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. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX ACCOUNT # XXXX 30 days late in XXXX XXXX 60 days in XX/XX/2022. 

XXXX. XXXX ACCOUNT # XXXX
Consumer complaint received 2015-05-15
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Kevin B. Wilson Law Offices (FL)

My actual issue was not listed above, however what happened was that I was sending small payments to Florida XXXX. That was n't good enough for them so they turned my account over to XXXX XXXX XXXX XXXX. When I finally sent written communication to XXXX attempting to have them contact the hospital on my behalf to find out if the hospital was willing to do a " professional courtesy '' or negotiate a payment, XXXX completely ignored my request/attempt at communication to resolve the debt through them. I received no answer to my letter whatsoever after requesting the above. The next thing I know. I find that XXXX has now turned my account over to an ATTORNEY, Kevin B. Wilson Law Offices in XXXX, TN, acting as a debt collector on their ( XXXX ' ) behalf. XXXX DID NOT INFORM ME that they would be turning my account over to an attorney for collection even though I tried to get them to answer my letter regarding negotiating payment. Now I 'm expected to pay this attorney {$880.00} on TOP of my existing debt when it would have otherwise been avoided should XXXX had treated me FAIRLY and not abused me in this way by denying to respond to my communication. The attorney 's letter states, " Contractual attorney fees, as provided for in your agreement with our client, have been added to the amount owed on this account. '' Well, in NO way, shape or form was I made aware of any agreement that stated such and it is not provided on the copy of the original statement of debt from XXXX. I was treated unfairly and feel I am a victim of their oppression where otherwise their cooperation with my attempts at communication would have prevented these additional costs to me, which I feel I legally should not have to pay because I was NOT told about them and have not been previously provided a copy of such " agreement. " Here is a copy of that statute regarding unfair treatment and oppression. 
" XXXX. Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ... '' When XXXX refused to assist me by not answering my written communication attempting to resolve my debt, THAT IS oppression and unfair to me. 
On the back of XXXX XXXX XXXX XXXX ' statement, they have printed their policy, if you will, as follows : " Our staff is trained to provide a high level of professional assistance to consumers and we expect each person to be treated with dignity and respect. '' Unfortunately, that is not the way I was treated at all. Please do something about this. I am so stressed out that I ca n't think of anything else but the extra money these people have cost me!
Consumer complaint received 2015-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

Chase bank closed my bank account with out any warning or notifications on XXXX XXXX of 2015. If I did not log on to my account mobile I would have never known that it was closed. I went to the branch on XXXX the banker XXXX XXXX kept giving me the run around he was not giving me any valid explanation due to my account being closed. He kept " assuming '' that it may have been fraud or someone was depositing checks that were not in my name. Which still does not give me an explanation. Then the banker stated that i should be receiving a letter in the mail about the cancelation of my account, which I still have not received. Now I can not receive my payroll check and it is very very inconveniencing me and my bills. I have been calling customer service for the past XXXX days and they tell me something different everytime. First the money should be on my account by Monday, then it should be there by Tuesday morning and I can pick it up from the branch, now they have to verify and send me a check. Why could they not let me know this before hand they know how there procedure works. I have no documentation because they have failed to notify me.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CO)

When I go online for the Free annual credit report, the security questions provided by Equifax do not apply. In other words, the selections they give does not apply to my history and I choose the answer NONE APPLY. This happens every time I try to get my annual credit report. It is too much of a hassle to go get a copy of my drivers license, pay for a stamp and drop off the post office when I 'm in a rural area. I should not have to keep going through this when I am entitled to my annual free credit report.
Consumer complaint received 2015-07-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I was overdrawn by {$150.00} in one Bank of America account and due to fees, am now overdrawn by {$800.00}. Without the fees I would be able to pay off my debt without issue, however I do not have the means to pay the exorbitant fees that have been tacked on to this balance. I would like to be able to work out a way to equitably resolve this debt.
Consumer complaint received 2022-02-04
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-06-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (FL)

Company Name : Seqium Dates : -To many to include because we receive calls everyday, several times a day, and from various numbers. 
Actions Taken by us -The phone numbers that come up on our cell phone caller ID with ( XXXX ) usually come up as Seqium. The other numbers we get are a ( XXXX ) area code and they have asked for us by name but then hang up or just don't respond after we say hello. 
Amount : -Both my wife and I have tried to discuss with them an amount for monthly payment and they will not take the amount we suggest. 
-They will only accept the amount they tell us we have to pay
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I obtained a first mortgage from First Citizens Bank and was charged {$100.00} for fax service between them and the attorney. There never was any faxing taking place as confirmed by the attorney. I have called different people at the bank for the last three weeks. I ca n't get anyone to call me back to resolve this issue. I wonder now how many people they have done this to.
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CO)

InXX/XX/XXXX and XX/XX/, my Barclays Master Card showed a charge for {$100.00} each. The payee was The XXXX XXXX XXXX. I had terminated my membership with them in XX/XX/. There were no more charges afterXX/XX/XXXX ( or XX/XX/XXXX? ) ofXX/XX/XXXX. Then, in XX/XX/XXXXand XX/XX/XXXX, they charged me again. 

I called the XXXX XXXX. They stopped further charges but never refunded me the {$200.00}. I then filed a dispute with Barclays. They asked me, naturally, for a report. Even though I already gave them all the facts in my first complaint, I did it all over again. Then they gave me credit for the charges. Then they left me a voice message and demanded I give them the facts again within like 2 days of the message. I did not get the message until after their ( arbitrary ) deadline. Nonetheless, I also got a letter in the mail requesting -- once again -- the facts. I -- once again -- gave them the facts. I received an email telling me that my case is closed because I did not respond ( XXXX! ). They reversed the credit and I am again out {$200.00}. 

The XXXX XXXX is NOT entitled to my money. Barclays is violating the lw with their non-actions and ridiculous run-arounds. 

It is YOUR job to enforce the laws. DO IT! 

Barclays is doing this because they know darn good and well that the XXXX XXXX in the White House appoints other XXXX XXXX to the agencies who then sabotage the mission of that agency. Like destroyers of the planet for the EPA. Or oilmen for Interior. Or incompetent XXXX for Secretary of State. Or XXXX, XXXX, XXXX XXXX XXXX for Dept of Justice. Therefore, I have no illusion that the Consumer Financial Protection Agency, hero XXXX XXXX 's super accomplishment, will actually do anything about this. In fact, you all ( XXXX appointees, I am talking to, not career workers who have to suffer ) probably got together with the big banks and made lucrative deals to stick it to the workers, consumers, and small, local banking outfits. 

But I am making this complaint anyway, because I dare you, XXXX XXXX, to actually ignore me.