davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CT)

I finance a XXXX XXXX XXXX from XXXX through Santander. I had payments of {$390.00} for 81 months. For a total of $ {$15000.00}. How does this calculate? The repossesses the car twice and I had to pay double the payment to get the car of storage, the towing fee, plus the amount I owed. They then offered to skip a payment but ended up costing me more with additional fees and more months added. I called and asked for the rest of the payment to be forgiven after I got my XXXX and I was denied., Instead late charged were added and now I owe almost half of the original cost.. {$8000.00}, I would like them to forgive my loan due to my XXXX XXXX, report paid in full to the credit agencies and send me the title of the car Account Opened XX/XX/XXXX ( 6 yrs, 10 mos. )  Term 81 months ( 6 years ) Term My last payment was in XX/XX/XXXX
Consumer complaint received 2019-08-25
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. (GA)

I DISCOVERED NUMEROUS ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I WASN'T THE ONE THAT OPENED THESE ACCOUNTS.
Consumer complaint received 2018-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Premier Holdings (HI)

Left message they were taking me to court in XXXX County. Called back, no one answered and left message. Called back, again and no one answered. A few minutes later XXXX XXXX called me back. Said she was with XXXX XXXX XXXX XXXX and she wanted me to confirm the last 4 of my SSN and that she was submitting documents to the court today to garnish my wages. I asked if this was for a XXXX account. I paid this debt with a debt collector over a year ago. This debt was from 2003. I started to tell her my story of how I paid this debt but I keep getting calls about this and she started talking, too, asking me to confirm my social. And then she said I was rudely talking over her and she would see me in court and hung up on me. I called back and left a message saying I did want to talk about this and I was not trying to bed rude. I tried her again, she didnt answer and I tried her answer and she answered. I asked her nicely if I could please have the fax number to send the letter stating I paid this debt. She said as she was trying to advise me earlier before I rudely interrupted her.. and she gave me the fax number. I asked to speak to her supervisor. I have never been spoken to like that. She said she was the supervisor. I asked if there was anyone above her and she said no so I asked if she pawned premeir holdings? She said that supervisors and owners are two different things and hung up on me again.
Consumer complaint received 2019-08-25
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 DISCOVERED NUMEROUS ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I WASN'T THE ONE THAT OPENED THESE ACCOUNTS.
Consumer complaint received 2020-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (VA)

Credit was extended by American Express for business that is no longer operating. Payments were negotiated and are paid as agreed, although creditor has erroneously updated credit reports as bereft of payment arrangements. Updates fail to demonstrate the account is no longer past due, derogatory and payments are applied monthly.
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have a bank of america credit card that has a fixed 8.99 % fixed interest rate. This card was paid off but we still had it open and started using again last year XX/XX/XXXX. i noticed when i logged onto my account that my rate had changed to 10.15 % variable. I have not been late and have excellent credit XXXX per my bank this week. I called XX/XX/XXXX and talked to someone regarding the change. He informed me that because prime went from .25 to 4.50 all credit cards were being converted to 10.15variable as of XX/XX/XXXX. I explained this doesn't make sense since this is not what i signed up for and i also was not notified. He said i should have gotten a letter. I checked my online account and i never received a letter from them. This seems wrong that they could take a fixed rate and not only raise it but convert to variable. We have another card with them that has a lower rate and that card was not changed as of today ... i will be paying off these cards but still think this is a violation. He gave me no more explanation then that. I believe people should be aware if their credit card company is able to change their rate without notice and no probable cause. Everyone should look at their rates!
Consumer complaint received 2021-02-02
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (PA)

Discover use to have a balance of XXXX but now went down XXXX based on a car I voluntarily surrender and paid XXXX for a 3 year lease car so discover is going based on a shortage of XXXX for the XX/XX/XXXX XXXX XXXX n I voluntarily surrender n only owe XXXX n discover card hurt my credit report they said I have 2 take it out w u guys ... I am XXXX XXXX but discover still got there money.. I'm sooo upset
Consumer complaint received 2018-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

The telephone number is XXXX. The message is " This is a message from Synchrony Bank regarding XXXX. Please return our call to XXXX. For faster service visit our websire a mysynchrony.com. Our mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Again please call XXXX. This is a recording. Thank you. '' There is another telephone number with this same message. It is XXXX. This one requests I give the last four digits of my social security number. I do not do this.
Consumer complaint received 2018-03-29
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)

On XX/XX/17and XXXX17, I have requested that this authorized user card be removed from my name and from my report. I have no financial liability for this card and do not wish to be an authorized user for this card.
Consumer complaint received 2018-02-10
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: Mid-Michigan Collection Bureau (MI)

XXXX Credit bureau has been reporting 14 collection accounts to all the credit bureau after several debt validation disputes. The disputes were performed by three credit repairs services and myself. I have never received any information regarding this debt ; the only response is this company wrote in the remarks " Consumer disputes this account information '' but I have never received any correspondence or proof from this company. There are two entries for XX/XX/XXXX and twelve entries XX/XX/XXXX. I have no idea what these charges are and the volume of these entries on my credit reports are concerning.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. Auto Sales Inc. (GA)

My fianc and I financed a car thru at called USAUTO in XXXX XXXX GA back XX/XX/XXXX. AWESOME car it was 14,000 ( est. ) well we was having financial problems and they came and got the car XX/XX/XXXX. We got back on our feet and called about trying to recover the car, I was told that the car was sold at a auction for XXXX but theres still a remaining balance that we have to pay of XXXX. I have been received phone calls but no letters. Its on my credit and its hurting us because I dont understand why I have to pay a remaining balance and they already sold the car. PLEASE HELP
Consumer complaint received 2021-02-02
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. (CA)

How you doing my name is XXXX XXXX & I have been in contact with the creditors as well as the credit bureaus to remove existing accounts from my credit report. It has been over 30 days & they have not been able to verify my accounts nor have they been able to show consumer contracts with my signatures on them. Id like to ask that they remove these negative item from my credit report since it is affecting my ability to obtain credit. I hope to hear from you guys as well as resolve this matter as soon as possible. Thank you for your time. Good bye
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

This Complaint involves my mortgage company, XXXX and its mortgage servicer.. 

Please see the attached Addendum that includes a detailed timeline relating to the subject matter of this Complaint, as well as a copy of my most recent ( XX/XX/22 ) Mortgage Statement. No additional documents have been attached because it is anticipated that there will not be any factual disputes between myself and the mortgage company. 

Simply put : I was granted a COVID-19 forbearance ; I resumed my contractual responsibilities upon the conclusion of the forbearance ; the Company and I agreed as to the post-forbearance option to address the missed monthly payments during the forbearance. The ball has been in the Company 's court for many months to complete the Payment Deferral Agreement and bring the mortgage current by sending monthly statements that don't reflect " Delinquency Notice '' and other derogatory ( and untrue ) terms.

I have been extremely patient with these people but enough is enough. Sanction them!
Consumer complaint received 2022-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX will not correct their own errors and keep blaming the SSA Administration for their own wrongness. They are continuing to keep my 19 years from me and a letter dated XX/XX/22 appears to have been backdated says termination of my XXXX XXXX debit master card account suspending or cancelling that you have elected to do and under the law Article XIII, section 1b. Please send to the CFPB the law you are using under these terms since an employee female told me last night that this is coming from Social Security Administration and to go ask them. You should payout the new XXXX Claim filed as XXXX.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX, I am following up on correspondence dated XX/XX/2021, about the bankruptcy that that reporting on my credit report with Transunion stating that it was verified. I've attempted many times to have this account investigate, but somehow Transunion has verified this bankruptcy as being accurate. I don't understand why they can't provide proof, because Im been trying to figure out how in the world did they verify this account? The US Bankruptcy Court informed me that they do not have my full social or any other important information pertaining to this PERSONAL and PRIVATE information. I also did not give them permission for them to share this information. My question to you is if the U S Bankruptcy Court does not have all my certified identity information, a 3rd party must likely does not and is not supposed to have it and is not required to verify the bankruptcy as being accurately reported. I demand that you remove this bankruptcy because it is NOT accurate and even a person with basic knowledge of my Consumer Rights have been violated. An impaired individual could see that the account is not accurate and is violating the accuracy of properly being verified. This is creating a lot of problems for me credit wise and financially. It is not fair to me to suffer and stress because of your inability to do things properly and illegally. All I want is for you to do is your job correctly and to properly investigate this account correctly.
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (MN)

My Target Red Card credit card account # : XXXX has fraudulent transactions/charges on the account. My Target was lost/stolen and all the charges and transactions on the account are fraudulent and unauthorized. Target is trying to hold me responsible for fraudulent and unauthorized charges on my Target Red Card account that dont belong to me and isnt my charges.
Consumer complaint received 2020-10-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I contacted Equifax to remove dispute remarks on my credit in XX/XX/XXXX as I was informed by the mortgage lender this was necessary to complete loan. They told me that my dispute remarks were being removed and would be completed in thirty days or less. I then in XX/XX/XXXX spoke with them told them it was not removed and was transferred to a supervisor she stated the remarks were removed as of that day and that It would be in the mortgage lender database. I let her know this issue has caused financial harm of missing purchase of a home and interest rate locking by their omission to complete the request. Per the FCRA I asked for copy of credit report. I then had my credit re-run by mortgage company as manager assured me the dispute remarks were removed and they again appear on the credit report. I called today XX/XX/XXXX and spoke with representative sho said it shows removed in system but remains and there is some sort of error and id have to wait another thirty days for a re-dispute. I told mortgage company and XXXX XXXX and the homebuilder will not wait, lost the XXXX XXXX! I am seeking damages of my deposit of {$5000.00} and hardship and time cost {$5000.00} totaling {$10000.00} for this financial harm.
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tenaglia & Hunt, PA (MD)

I have trid to contact this company they will not respond to me. They are suing me. They lied and said i owe them i dont. They said they called me they cant one because they dont have my phone number. Secondly, i asked to be emailed only about this debt, verify it was mine and send proof.
Consumer complaint received 2022-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

I receive monthly texts from Wakefield and Associates. Each time I call and give them my name and they say its not for me and they will remove my name and they continue to Harass me. Each time I have to worry if my identity has been stolen. I can pull cell phone information to offer as evidence.
Consumer complaint received 2019-08-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (FL)

On XX/XX/2019, I opened a BMO Harris Statement Savings account. They were offering a {$200.00} bonus for opening a new Statement Savings account between XX/XX/2019 and XX/XX/2019 with an initial deposit of {$10000.00} or more of funds not currently on deposit at BMO Harris Bank or its affiliates and then maintaining at least {$10000.00} in the account for 90 days. The promotion code XXXX   was automatically applied at the time the application was submitted online. I fulfilled all requirements on XX/XX/2019. Since I did not receive the {$200.00} bonus in the promised 120 days, I contacted them by phone on XX/XX/2019. The BMO Harris customer service representative initially stated the {$200.00} bonus will be credited at the same time the interest is paid to the savings account which should be at the end of XX/XX/2019 since the interest is paid quarterly. I explained her the bonus terms and conditions explicitly said the bonus will be paid approximately 120 days after opening as long as the account is open and in good standing. Then, the BMO Harris customer service representative reached the appropriate BMO Harris department to verify there were no issues with the bonus requirements. She called me back and told me the {$200.00} bonus should be already deposited by Friday, XX/XX/2019. Although this new date was 129 days after opening, I accepted to wait an extra 9 days. However, as of today, XX/XX/2019 I have not received the {$200.00} bonus.
Consumer complaint received 2019-08-25
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. (GA)

I DISCOVERED NUMEROUS ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I WASN'T THE ONE THAT OPENED THESE ACCOUNTS.
Consumer complaint received 2018-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (PA)

This Equitable Acceptance Company contacted me in XX/XX/XXXX,  told me they were associated with the Federal Government to help repay student loans. I did have loans from late XX/XX/XXXX for XXXX XXXX XXXX. Told me that only a portion would need to be payed and the rest would be forgiven in their program. They said they would consolidate the loans, and if i got in, it would be before the Obama Administartion rules changed. 
They talked a good game, so I went for it. 
They told me that my payment would be lower at XXXX $ a month for 18 months then I would be done and paid off. 
They said I would be paying approx {$1800.00} total, then it would be forgiven. 
So i did it, when was presently paying around $ XXXX monthly and had out approx {$6500.00} at that time and going through XXXX. 
So to do this service with them and consolation, I was charged a one time fee of an addtional {$150.00}. I gave them my bank account information and my social, they sent me an email contract to electronically sign. I said would do this, but asked that they send me hard copy too, never received anything. I should have known then! 
So here it is months later paying {$49.00} a month, drafted from my checking account and I didn't think anything of it. Then this month, I get a letter from XXXX saying my loans were not being consolidated, due to no date and Signature being suspect, so i called them. 
This is when i realized it was a scam! I also got in touch with XXXX who said that my loan payments were stopped and it was in Forebearance! 
I only authorized this through the false claims that the company was taking care of everthing to consolidate it from original source and to pay it off. 
I called Equitable Acceptance and cancelled the payments to them and to complain that I knew was scammed. I've also been in touch with XXXX and will get on a legit repayment plan now. 
I hope I can recover the fees and payments made. 
When I called the scam comany to stop the payments, they said I was under contract with a second company and so they gave me that number, called and heard nothing back of course, and it went straight to a VM where I left two messages. Seemed like it was a cell number. 
They also told me it would still have to be paid and will be on my credit report that I didnt pay and that they had my signature on a contract.
Consumer complaint received 2021-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (CA)

I took out a loan with Mobiloans on XX/XX/15 I was under the impression that I would like not be charged a one time finance charge how we I have learned that there is a high interest that is accrued monthly. After doing the math I realized that it would take several years to pay off the loan. I am now unable to pay for the loan and have been unable to get in contact with anyone from the company. They are also reporting to XXXX credit reporting f and that was not disclosed. They also do not provide payment history. I have recently learned that they should not be conducting business in the state of California.
Consumer complaint received 2023-04-04
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. (NV)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report. Despite several attempts to have this information removed, the three credit bureaus have failed to take appropriate action. 

Due to multiple data breaches that occurred in recent years, I have become a victim of identity theft. As a result, I was forced to file for bankruptcy because I became responsible for debt that was not mine. I have made numerous attempts to have the inaccurate information removed from my credit report, but to no avail. 

I have reached out to all three credit bureaus and provided them with the necessary documentation to support my claim of identity theft. However, the bureaus have failed to take appropriate action and have not removed the inaccurate information from my credit report. 

This inaccurate information on my credit report has caused me significant financial and emotional stress. It has affected my ability to obtain credit, secure employment, and has negatively impacted my overall credit score.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit bureaus correct the inaccurate information on my credit report. I would also appreciate your assistance in ensuring that this type of situation does not happen to other consumers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX