davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (NJ)

To whom it may concern, I have contacted you several times ; my first attempt being XX/XX/2020. 

I asked that you reinvestigate or delete disputes from my credit report. 

I have submitted a complaint where, you stated I was reaching out from a third party. This is to insure you that there is no third party submitting the complaint. 

I have yet to hear back from you, it has been longer than the thirty 30 day time frame. You have not complied with the law and responded to my initial letter on XX/XX/2020. 

I am demanding that the dispute is removed from my credit immediately, or I will unfortunately have to contact Federal Trade Commission about you lack to comply with consumer protection laws. 

Thank you in advance.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite my repeated requests to have the accounts deleted, TRANSUNION continues to report in my credit file outdated, factually inaccurate accounts with XXXX and XXXX. These belong to my former spouse and stem from an acrimonious divorce dispute with her. I simply want the accounts deleted as they each contain numerous errors and they have refused to do so.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc (CA)

In XXXX said company is providing personal information from nearly 15 years ago and using the courts as a scapegoat for the background check. Courts are courts but this company is not a government entity and its providing information from as early as XXXX to new companies and they see no problem with it. 

After chatting with a person about the matter of providing inaccurate information partly because I moved to a different county, and the new county re-filed a case with a new start date but the reporting company doesn't understand its part of the same issue from nearly 15 years ago. Personal data is just that, personal and its not permitted to share items that are old and out of date.
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

Around XXXX, or XXXX of XXXX, my mortgage was sold from XXXX XXXX to Shellpoint Mortgage. I was ending the covid forebearance and I asked that the payments be put towards the end of the mortgage so I could get back on track paying it. I was sent a letter saying I had what's called a SPOC, which means Single point of contact. I thought it was great that one person was handling my problem. I had her fax, her name, 2 people in fact. I spent many hours trying to contact my " SPOC ''. I could never reach her. XX/XX/XXXX, I received a letter from Shellpoint, XX/XX/XXXX I called again XXXX @ XXXX am, nothing, can't get a hold of anyone. I left numerous voicemails or they could not direct me specifically to her. I was then given her " direct line '' XXXX X XXXX ( XX/XX/XXXX nothing ) .I called XXXX, the main line, they did't even know who this person was, but let me put you through her voicemail, nothing. I could never get a hold of her. In XX/XX/XXXX I send the pay stubs they asked for ( 5 faxed pgs ) nothing, didn't get it. XX/XX/XXXX again I sent 7 pages by fax ( forms that were requested ) at XXXX pm, nothing was received. XX/XX/XXXX, I again faxed her bank statements, nothing. I faxed them again XX/XX/XXXX ( fx XXXX ) nothing. I faxed more forms XX/XX/XXXX at XXXX am, nothing. I even faxed the SPOC to call me at my cell number, nothing. I was given 2 names of people to help me, still no resolution. I was then given a gentleman 's name still nothing. Since I hired a lawyer, I was told, anything Shellpoint sent, send it to the lawyers. The SPOC was XXXX XXXX, XXXX XXXX and finally XXXX XXXX I've actually spoken with XXXX who said he would like to help me. He called me on my way home this past Thursday XX/XX/XXXX at about XXXX pm EST at which point I asked that he call me Friday XX/XX/XXXX at XXXX am. He said that's perfect, I was off so we could talk. He never called. This is still pending. 
Try calling Shellpoint at XXXX, you won't get thru to them and they will tell you " oh, she/he is not in this building '' I'll send you to the voicemail. Nothing. 
I had 3 phone numbers, a fax number, again nothing.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (SC)

I have account with Synchrony XXXX though a HVAC unit that I purchased, the company set this account up after the unit was installed on my house. I have tried to reason with this company but when one try 's to solve the problem with a representative of the company it never is solved. I just received XX/XX/XXXX statement and their was another late fee charge only because I sent them a payment of {$150.00} my monthly payment amount minis the late fee, well they added another late fee to the {$150.00} + XXXX =XXXX +XXXX =XXXX. If this keeps up I will owe more in late fees then the unit is worth. My payments were only a day late. That 's my complaint no grace period,
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

I went to XXXX to open a checking account on XX/XX/2017. the gentleman I spoke with ask for my ID and Social Security number. He submitted my info into his computer in which he received some info from ChexSystems. At that time he told me that he could not open a checking account for me due to negative information on the report. I contacted ChexSystems and a few days later they sent me a report. A company by the name of XXXX XXXX had submitted XXXX different negative feedback 's on this report from XXXX different company 's in which I have never heard of. Also on the report was a company call XXXX, representing XXXX XXXX XXXX, XXXX XXXX, representing XXXX XXXX XXXX, XXXX,. I have never ever heard of these company 's. A telephone number was not listed for any of the company ', and also the last XXXX of my SS number was listed.I have no idea who this company ChexSystems is or what their business consist of, but it looks to me that they have too much information on me, and the info is completely false. No wonders Identity Thief is such a huge problem in this Country with Company 's like this in business!!!! These people have complete control of the Consumer in this Country.I am XXXX years old and a XXXX Veteran, and It is a disgrace when a you ca n't even open a checking account in a bank in this Country because of people like ChexSystems!!!!
Consumer complaint received 2022-09-07
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: ALLY FINANCIAL INC. (FL)

To Whom it Mav Concern. 
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information. and accounts ( hat are Un-Ventlied. According to the Fair Credit Reportin? Ati, Section b.lSAof the FCRA - vou are required to promptly Oblaisalinformation that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 9 1681., every single one even each any of the unproven, non compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory atcounts must be promptly negated in its entirety or the alleged accounts are to be I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts of provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reportinn standards arcordins to resulations.The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED XXXX INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOr PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately do so TODAY, even right NOW The obvious infractions are as follows : XXXX XXXX  and Account as is reported on my credit report : dispute item Ally Finical and as I have never opened an account with that provider I have never co signed for anyone By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the RSA enacted CDIA XXXX XXXX  COMPLIANCE regulations, I demand that these above mentioned derofatory items be investigated and permanently removed from my report
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I applied for XXXX Visa credit card, which was offered by chase to me as an offer from on-line banking. 
Several days later I received denial letter, from Chase indicating the reason for the denial as my having too many credit cards. 
Please note : I have exceptional credit score ( XXXX ). There are no delinquencies on my credit report and no past amount due on any of the credit cards I own alone or with my husband together. 
I have applied for other credit card right after I received a denial letter from Chase and was immediately approved. I have a XXXX figure Money Market account with chase and other active Chase credit cards and believe the denial for XXXX VISA is subjective and not based on my credit score and history, as it should be, therefore, it 's unacceptable.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 XX/XX/2022.
Consumer complaint received 2017-07-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

Even with the income-based repayment option, the payments are through the roof. They only take your pre-deduction income amount. I live in Illinois where the taxes are sky high and Insurance costs are the same. I lose about half of my check to deductions. I wish they would care enough to take this into consideration. Why base a payment repayment plan on a dollar amount that is n't the actual dollar amount you have as income. This company does not care about the individuals who are struggling to make ends meet. They only care about getting as much out of you monthly as they can until you pay off the loan or die. Knowing what I know now, I would have never even went to college.
Consumer complaint received 2022-09-07
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. (IL)

In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

I checked my credit report and seen that there were discrepancies and there is a charge of {$220.00} and it was started on XX/XX/2022, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I wish to file a complaint against my mortgage servicer Ditech Servicing LLC for the constant mismanagement of my escrow account and continually sending me registered letters threatening to Foreclose on me, regular mailed letters directed me to get help, all falsely alleging I am delinquent in my mortgage payments. I am not. There actions are causing me and my family great emotional distress. I would appreciate your assistance.
Consumer complaint received 2018-03-21
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. (CA)

I HAVE MADE NUMEROUS ATTEMPTS TO GET MY CONSUMER CREDIT REPORT CORRECTED AND EVEN WITH THE PROPER DOCUMENTS SENT TO XXXX  AND EQUIFAX THESE ACCOUNTS HAVE NOT BEEN HANDLED PROPERLY ACCORDING TO THE RULES SET FOWARD BY THE FCRA ... XXXX  AND EQUIFAX HAVE NOT FOLLOWED ANY OF THE GUIDES LINES PUT IN PLACE ACCORDING TO THE FCRA.I HAVE BEEN DISPUTING THESE ITEMS FOR OVER 6 MONTHS. 
XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX WAS A VICTIM OF IDENITY THEFT
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MA)

Our mortgage payment was raised due to an escrow shortage so we applied to have our escrow account canceled. We were informed that our escrow account could not be canceled due to a previous late payment on our record. Our mortgage company has been in charge of paying our home owners insurance and our taxes. When we reviewed the records we discovered that the late payment was due to our Mortgage company ( Truist ) not paying the full amount that was owed on one of our tax payments. Due our Mortgage company not paying the full amount, there was an extra amount that was not paid on time. We got proof of the short tax payment from our town and we feel that it is unfair for us to be penalized, and not allowed to cancel our escrow account, due to a mistake that was made by our mortgage company and something that was not our fault.
Consumer complaint received 2023-04-18
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$390.00}, XXXX XXXX Balance Owed : {$160.00}, XXXX XXXXXXXX Balance Owed XXXX {$340.00}
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

This complaint pertains to equal access and management of a joint credit card account. 

My wife and I are joint account holders of the XXXX Mastercard, a credit card we have held for over 14 years. Recently, card administration was transferred from XXXX Bank to Capital One. Since Capital One assumed this role, I no longer have online account access, can not activate mobile wallet features for the account, can not make payments, view transactions, or do much of anything related to the card. 

When I call customer service, I can not complete any of the tasks without my wife being present to verify her identity. 

Despite being opened with XXXX Bank as a joint account, Capital One does not treat me a joint account holder. They simply say arbitrarily that my wife is the primary account holder and I am the secondary account holder. In contrast -- and appropriately so -- they do not consider me an " authorized user '', " co-signer '' or " guarantor ''. Both of our credit reports reflect the account as a jointly held. All payments to this credit card come from my checking account and between the two of us, I use it an order of magnitude more than she does. 

Ironically, we are also joint account holders of checking and savings accounts with Capital One as well. However, online access and management of these accounts is unimpeded. The issue is isolated to the credit card. Additionally, it is because I am a joint account holder that I for some reason can not be delegated account management privileges through Capital One 's online dashboard. 

We have other jointly held credit cards where access and management are not a problem for either of us. When the XXXX Mastercard was administered by XXXX Bank, these were not issues. 

Given that both my wife and I are equally financially and legally responsible for the joint account, I believe we are both entitled to account access and management privileges. Unfortunately, I can not function as a responsible account holder without impersonating my wife ( with her permission of course ) either online or over the phone. 

I have called Capital One several times over the last 2 weeks, and spent several hours, attempting to re-instate online access, re-activate mobile payment options, and manage other account-related tasks without effect. I have initiated a complaint with the XXXX XXXX XXXX without resolution. 

If it were not for our interest in maintaining benefits with XXXX, we would simply close all of our accounts no longer bank with Capital One.
Consumer complaint received 2023-04-18
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiallity under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also sates a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  account Hard Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX these hard inquiries have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.