davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc. (WY)

XXXX XXXX has the most incompetent customer service I have ever experienced with a financial services institution. I have made in excess of 15 phone calls, sent 3 emails, and used their live chat twice over the course of two weeks trying to get a straightforward answer regarding the process to get an insurance claim check to which they are a co-payee endorsed and returned to me. I have yet to receive any useful response. I am ashamed to be a customer of theirs and will quickly be looking to refinance away from them. They clearly employ unqualified and untrained customer service people in this department that are incapable of performing basic servicing requests.
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer Financial misappropriated the final payment on my account wherein they applied the last payment of {$280.00} to " misc funds '' thus falsely claiming I owe the principal and interest balance on the account. Misc funds is defined by the lender as repossession fees not late fees as the agent attempted to explain. They failed to apply my credit of {$2.00} to the account balance of {$280.00} which would have been absolved by the payment of {$280.00}. Additionally, they threaten to report the account to the credit bureaus if I neglected by render the entire late fee balance on XX/XX/2020. I requested documentation of language confirming that this was mutually agreed upon by both parties ; however, the executive office representative stated no language was recorded in the contract.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (CA)

On XX/XX/XXXX Discover Bank withdrew {$25.00} dollars out of my XXXX XXXX XXXX XXXX XXXX Account. I did not authorize this withdrawal, Discover has stolen {$25.00} dollars from my XXXX XXXX XXXX XXXX XXXX Checking account. 

If the Online Savings account Ending XXXX is closed with Discover, which I have in writing that the account is closed, why are funds being taken from my XXXX XXXX XXXX XXXX XXXX account?
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (TX)

I was unaware of this collection on my credit until I checked my credit score one day and it was dropped a lot. I looked at my credit report and saw the account on there. I did not know who they were or what they were collecting for. I gave them a call and they told me what it was for and I have not been to XXXX XXXX XXXX. I have never even heard of XXXX XXXX. I would like to dispute this because this is not my debt.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I can not wait to return this vehicle and never deal with toyota financial again This is the second time in 3 months they have inaccurately reported a late payment on my credit report. The first time was in XXXX when they did not put through my COVID relief on my account and put a 30 day late on my report they fixed that and now once my relief was up there was an extra {$73.00} bill on my account they could not tell me where the bill came from as I had paid up my previous bill and 2 payments were moved to the end of my lease due to covid. I spoke to 3 representatives pertaining this matter the first one stated she could not figure out where the bill came from and she was going to request an investigation into my account. The second representative who called me while I was working stated he could not see any notes or proof of an investigation and would look into the matter and call me back after XXXX and he yet again could not understand where the bill came from when I was reviewing my statements with him. Finally on XX/XX/2020 the last representative called me and she yet again could not properly explain the bill kept telling me it was a good thing that due to me always overpaying on my bill in previous bills that I only owed {$73.00} for a bill in XXXX that made no sense but to avoid you hitting my credit I just paid it and wanted to be done with it and she stated she was sending a full print out to explain what she meant which I have not yet received. Then he we are on XX/XX/2020 and you yet again dinged my credit with this nonsense. I do not ever want a XXXX or toyota due to this bank, you have lowered my credit score. I  am a front line working nurse who seeking covid relief instead all I you have caused me is financial hardship and two separate occasions. Please remove this off all three credit bureaus
Consumer complaint received 2020-08-20
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 got my credit pulled due to a bill I received in the mail. I have never heard from the place before. I suspected identity theft. When I looked at my report I was taken by surprise on a couple of derogatory items that I've never opened. These things listed on my applications a.re not mine. XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX US DEPT ED, XXXX. I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

CHASE APPROVED ME VERBALLY ON THE PHONE FOR A NEW AMAZON REWARDS CREDIT CARD DAYS LATER AFTER SUBMITTING THE APPLICATION ONLINE. THEY THAN TURNED AROUND AND SHUT DOWN MY NEW CARD AFTER PLACING A HARD INQUIRY ON XX/XX/XXXX FOR A FRAUDULENT CARD OPENED IN MY NAME FROM MACYS. WHY DIDNT THEY REVIEW THAT INFORMATION BEFORE THEY APPROVED ME? THE SUPERVISOR FROM CHASE WAS VERY NASTY AND RUDE TOLD ME, " SORRY YOU DONT LIKE OUR PROCESS ''. I EXPLAINED TO XXXX   THAT I MADE A COMPLAINT WITH YOU GUYS RECENTLY FOR THE XXXX. SHE GOT NASTY AND SAID THAT YOU GUYS SHOULD OF REMOVED IT ALREADY. I TOLD HER THAT I CAN SEND HER DOCUMENTS OF THE XXXX   FRAUD COMPLAINT. SHE DID NOT WANT TO ASSIST. EVEN WHEN I ASKED THE SUPERVISOR ( XXXX ) AT CHASE TO REMOVE THE INQUIRY FOR THEM SHUTTING DOWN MY ACCOUNT DAYS AFTER APPROVING ME UNTIL THE XXXX  IS REMOVED. THIS IS NOT MY FAULT AND CHASE SHOULD PRACTICE BETTER PROCEDURES AFTER APPROVING PEOPLE FOR CREDIT CARDS AND MESSING WITH THEIR CREDIT. THE XXXX INCIDENT IS A CURRENT ONGOING ISSUE THAT HAS BEEN REPORTED TO CFPB, XXXX FRAUDULENT TEAM, AND THE CREDIT BUREAUS. I WANT THESE CHASE INQUIRIES TO BE REMOVED IMMEDIATELY FOR CHASES INPROPER AND UNFAIR TREATMENT OF SHUTTING DOWN MY ACCOUNT AFTER I WAS APPROVED. IT IS NOT MY FAULT THAT THERE IS A FRAUDELNT XXXX ACCOUNT THAT IS CURRENTLY IN THE WORKS OF BEING REMOVED. CHASE SHOULD OF REVIEWED THAT BEFORE APPROVINT ME AND ISSUING ME A CARD. DON'T PLAY WITH MY CREDIT CHASE.
Consumer complaint received 2017-07-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I tried for 4 months to get a forbearance or an income based repayment plan. I sent in the paper work needed and for four months they kept telling me that I needed different paperwork to be completed. In the meantime, my student loan went into default because they kept jerking me around when I was trying to keep it out of default. The IRS ended up taking my 2016 refund because Navient allowed my student loan to default thru the never ending process of an income driven repayment plan. I ended up calling another student loan service called XXXX to consolidate my student loans and to get them out of default. Navient ruined my credit and also took money from me. I feel I am entitled to a refund because of their negligence and incompetence.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

There are items on my report that I did not authorize. Over the past few months I have complained to all three bureaus about items on my report that I did not authorize. I submitted an identity theft report and nothing was done. It is unlawful for one to be punished for acts that they did not commit. These are the following items that I am complaining about. 

Collection : XXXX Balance {$380.00} Account # : XXXX XXXX XXXX : - Balance {$3800.00} Account # XXXX Inquiry : XXXX XXXX XXXX- inquiry Date : XX/XX/23
Consumer complaint received 2022-10-04
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. (NY)

XX/XX/XXXX I am writing to dispute the following information that appears on my Credit report XXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$800.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$560.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information.
Consumer complaint received 2020-04-30
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: EQUIFAX, INC. (MI)

While utilizing XXXX XXXX to dispute information on my three major Credit Reports ( XXXX, XXXX and Equifax ). There are Items that are more than 7-10 years old that the credit reporting agencies have not removed.
Consumer complaint received 2020-04-30
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: Harvard Collections, LLC (CA)

To whom it may concern, I appreciate your time into looking into this matter. 

This collection is not supposed to be reporting on my credit report. 

Harvard Collections has not provided proper debt validation. 

The statue of limitations has passed. 

I do not have a contract with Hardvard Collections. 

They have no right to collect this debt. 

I believe that they are making a mistake since my name is very common. 

Hardvard collections has no rights to collect in my state.
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2020 near XXXX  I came across XXXX XXXX XXXX website. It said they can check your rate with no harm to your credit score. I submitted and not even two minutes passed before I received notification that my transunion score had change because of a hard inquiry from said company. I tried to phone them immediately but got recording they was closed. I phoned this morning to no avail can't get a human agent.
Consumer complaint received 2021-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Amerisave I am XXXX year old XXXX person-husband XXXX We need to refi our home. 
Loan person XXXX XXXX ( Phone XXXX ) Informed me that before he could lock the rate ( 2-2- good for seniors 2 believe ) Well he truly got me Paid {$500.00} on XX/XX/2020 -Pulled Credit Report lost 7 points After the document came in XXXX XXXX would not answer my questions on locking the rate! 
He told me that his manager would be calling me on the rate I honestly kept asking why is only Floating is showing. Customer Beware of this unjust action!! 
Trying calling again after I called by personal bank. Why {$500.00} they ask My phone & email show that have no interest in you only collecting {$500.00} and then a Denial I truly feel we were totally Bamboozled-Scammed-Unjust- Along with very misleading prospective customers-Very shady? illegal practice. 
We are living off my social & husband retirement trying to save our property and to do this to people is so so wrong. This company is headed for Lawsuit!!
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been a loyal customer of Capital Bank Card for many years and have never missed a payment. The recent national calamity, COVID-19 pandemic has hit XXXX, NY, where my family and I live, probably the hardest of all in the United States. Because of this pandemic, my household income has changed so on XX/XX/2020, I called Capital One and humbly asked them to lower my current APR of 23.9 % (!!! ) to a lower rate. The answer was an unconcerned no. Capital Card 's usurious desire to profiteer in the times of a national tragedy is wrong. Please help.
Consumer complaint received 2020-04-30
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: Experian Information Solutions Inc. (NC)

Currently, Experian and XXXX a public record ( Bankruptcy ) that is not accurate and incorrect. I have sent letters multiple time over the pass five years to get this corrected and most recently called XXXX  directly about the issue. I have contacted the courts and they can not find the case number, I spoke with the chief clerk of the court and she stated that they did not report this information to the credit bureaus, in fact she stated that they don't report any cases to the credit bureaus. I have asked both companies to tell me who provided them this information and refused to do so, however, they continued to lie and say they got this information from the courts. They also have accounts list with inaccurate information that are listed multiple times with different statuses. They have collections listed that I have continued to dispute that have missing data which I have never done business with. I have sent disputes to XXXX about reporting inaccurate information just to be told they verified the information as accurate and I no it's not. I understand you ask for dates, however, I'm XXXX veteran who suffers from XXXX XXXX XXXX and my memory is affected, so I just ask you to work with me.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX , NC XXXX ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XX/XX/2023.
Consumer complaint received 2021-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

In 2016 I was forced to file for Chapter XXXX Bankruptcy protection to prevent foreclosure on my home. The foreclosure proceedings resulted from repeated errors in recording payments and applying escrow payments by the loan servicer. BSI Financial Services, the successor to XXXX, has been the loan servicer throughout the Chapter XXXX case. During the Chapter XXXX proceedings BSI continued to make errors in applying escrow payments. After two Qualified Written Requests and countless phone calls to BSI, BSI has never responded or taken any action to correct their errors. Most recently they send a Notice of Payment Change for an alleged shortage in the Escrow. In fact, BSI is holding funds that exceed all payments due from Escrow over the next 12 months. 
BSI is the servicer for XXXX XXXX XXXX XXXX, which is controlled by XXXX XXXX. XXXX trades in underperforming loans and profits from foreclosing on properties that are valued at more than the mortgage balance. My home is valued at 2.5 times the current mortgage balance.
Consumer complaint received 2020-09-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

You have authorized a payment of {$110.00} USD to ( ). Money won't leave your account until processes your order.XX/XX/XXXX, XXXX XXXX PDT Receipt XXXX Hello XXXX XXXXXXXX This charge will appear on your credit card statement as payment to PAYPAL XXXX. 

Save time with a PayPal account Create a PayPal account and save your payment information. You won't need to enter your payment information every time you shop online. 

table.callToAction td { background : # XXXX url ( http : XXXX XXXX left 17.5 % repeat-x ; } .callToAction { XXXX! important ; } Sign Up Now Shop with confidence We keep your financial information secure. 

Transactions monitored 24/7 Our fraud specialists help protect your account.

You're protected Zero fraud liability for eligible unauthorized purchases. See eligibility Merchant information : Instructions to merchant : None provided Shipping information : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX United States Shipping method : Not specified DescriptionQtyAll the items in your shopping basket ( see details in the store and on your store receipt ). 
Item # : XXXX XXXX XXXX XXXX : XXXX Please keep this receipt number for future reference. You'll need it if you contact customer service at or PayPal. 

Help XXXX XXXX XXXX Massachusetts Division of Banks, ( XXXX ) XXXX, http : //www.mass.gov/dob, PayPal holds a Foreign Transmittal Agency license with the State of Massachusetts - License Number XXXX. XXXX XXXX : XXXX. 


Please don't reply to this email. It'll just confuse the computer that sent it and you won't get a response. 

Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

PayPal Email ID XXXX - XXXX I ordered item on XX/XX/XXXX I paid tbrough website and yet it says PayPal. I never received item company wont respond and paypal says they are not involved.
Consumer complaint received 2021-03-25
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: WELLS FARGO & COMPANY (GA)

HARD INQUIRY REMOVAL IS IMMEDIATELY REQUIRED - UNAUTHORIZED, UNAPPROVEDHARD INQUIRY REMOVAL IS REQUIRED. THIS HAS NEGATIVE, ADVERSLY IMPACTING MY CREDIT LETTER ATTACHED
Consumer complaint received 2020-10-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The terms and conditions changed regarding removal of PMI. It was XXXX and now XXXX to remove the PMI. Bank of America can see this in the letters we received for the same request to remove the PMI. XXXX letter stated XXXX in XXXX. The new letter stars XXXX to remove the PMI even though the market say the property value is XXXX more than the appraisal.