davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

I received a letter from a current creditor PayPal Credit c/o Synchrony Bank in which they sent a letter explaining they lowered by credit limited  on XX/XX/XXXX. This is not a big deal, however, the concern is on XX/XX/XXXX this creditor completed a soft credit pull without my permission or consent. I never asked for a credit increase for them to do so. I called to speak to the manager and the only response was it protocol for them to do that. I believe that my rights have been violated if every creditor had this power then what's the point of giving consent
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

I am working with Freedom Mortgage on a refi that they have with my existing home. I have asked and called and begged to close on this property. We were schedule to close in XXXX. We decided to move to a 30 year mortgage and were told no problem. We were then threw into a " recovery '' department that does nothing but sit on a file. I have a loan consultant, XXXX XXXX, that we have asked to speak with numerous times and left countless phone messages for with no response. We finally went back thru underwriting were scheduled for closing today XX/XX/XXXX at XXXX. When we had no one show for closing and 1.5 hours later I called to ask why, I was told that closing was cancelled and no one informed me. The reason we were told we were cancel was because we were missing a document. OK, then call and tell me what document or call and tell me we are rescheduling. This is becoming burdensome. I think they say get the cheap interest  and then they play you along until they can raise the interest. Interest has dropped since we started this in XXXX and we were told we are locked in until XXXX.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There was an unauthorized personal loan which was taken out in my name with XXXX XXXX XXXX in XX/XX/2019. I did not know about this loan until XX/XX/2019 when I received a letter stating that they have not received payment for this loan. I explained to them that I have not authorized this loan and did not received any monies from XXXX 's XXXX. I fill out all of the paperwork requested of me by XXXX XXXX XXXX, I had a police report file as well as the letter from my bank stating that no money from XXXX XXXX XXXX  was deposited into any of my accounts and was sent to XXXX XXXX XXXX  Fraud Department. I also put a freeze on my accounts at all of the 3 credit reporting bureaus and filed disputes which each of them. After dealing with XXXX 's XXXX  Fraud Department, I only receive letter stated that they are denying my claim. No reason or documentation was provided regarding the denial. I'm having a difficult time contacting them as they do not answer their phone number. I continue to send them faxes providing documentation showing that I did not authorize this loan. No response from XXXX XXXX XXXX, accept for a pre-printed denial letter generation. Please help me to clear up with situation with XXXX XXXX XXXX. Thank you.
Consumer complaint received 2020-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

I disputed this collection account and was not provided valid documentation showing the details of why this account is linked to my information. I sent a letter by mail requesting to send me the information on the debt showing why, when, and how it was mine and advised them to provide me this information within 30 days, and nothing was sent to me. The original debtor that is showing on my credit file under XXXX XXXX XXXX XXXX illegally sold this debt to another company and is in clear violation of the HIPPA LAW and is now under Debt Recovery Solutions. Neither of the company 's have provided me ANY information in regards to how this debt is linked under my financial obligation and they have reported it as a debt to all three major credit bureaus. It is showing the total amount of XXXX owed to Debt Recovery Solutions as of last reported date of XX/XX/20. I am requesting that Debt Recovery Solutions provides a wet signature and documents proving that i am financial obligated and liable for this debt. If their company does not provide this information with in 30 days i will be seeking legal action.
Consumer complaint received 2018-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank is still trying to collected debt that pass the statute of limitation. Wells Fargo is putting false information on my credit report. I am requesting Fargo for name of the person who claim to open account face to face? I feel like Wells Fargo is being discriminated against me because I am XXXX XXXX.
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NC)

In XXXX, I was made aware an Attorney General Multi-State Settlement against Santander USA. I have reached out to them multiple times with regard to my auto loan and the settlement but they are unable to provide additional information. I believe my case should be included in the settlement due to subprime lending activities and failure to appropriate apply payments to my account. 

XX/XX/XXXX, I purchased a XXXX XXXX XXXX with financing through Santander USA. The purchase price was {$17000.00} with total payments of {$30000.00} and an APR of 19.55 %. Recently I noticed that many of the payments I made were going entirely to interest or varying amounts that do not increase. In order to understand these occurrences I reached out to Santander several different times. During one call the representive was unable to explain  the interest only payments despite the fact the on time payments. He advised me to make the payments ONLY on the due date and that the disperencies were due to my simple interest loan. During another conversation with a executive representative she suggested I make the payments before to avoid the entire payment being applied to interest. At the current monthly payment and APR the vehicle would not be payed off at the end of the contract. After 24 months of payments, only {$2000.00} has been applied to the principle. Several months I have payed more than the payment amount and still the entire payment has gone to interest only. I have made the payments on time and in full.

I allege that I, like many others were given subprime loans and outrageous APRs. I have attempted to reach an agreement with Santander USA but have not been successful. In addition I believe that I should be eligible for relief under the Multi-State Settlement.
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

This debt is almost 3years old yet they continue to remove and replace with incorrect dates so that the debt always looks like a new collection. I attempted to pay them years ago but gave up due to there collection techniques now they use improper methods to destroy my credit. I 've had to live with this on my credit for years but it is uncalled for for them to remove it every so often so they can make it look like new debt again.
Consumer complaint received 2022-04-05
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. (VA)

In accordance with the Fair Credit Reporting Act : Account # XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXXXXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX XXXX XXXX XXXX  has 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 an account without my written instructions
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I submitted two complaints and they were improperly closed. I have no resolution and the response to the CFPB is completely different to what I was told on the phone.

" We are responding to you and the CFPB explaining we understand you feel you did not request the short term payment assistance however based on review we confirmed you did request the forbearance and we are providing correspondence we sent confirming the short term payment assistance. '' This is a blatant lie. I never requested short term payment assistance. I requested information. The person on the phone today advised me today that there was an error in their system that put people illegally into forbearance and they fixed it and I never requested forbearance. " We also confirmed that the request to correct account credit reporting was updated to remove the comment code of account in forbearance
''. I don't want a confirmation of a request send. I want confirmation this was done.

" We recognize your claim that we did not follow Fair Credit Reporting Act procedures, and due to this, your request for restitution, that we have reviewed the request, and respectfully decline that request because we have no evidence to support errors that caused a negative effect to your FICO score. '' What is this. You admit you broke the law, and it caused my credit report to drop. But you won't do anything about it. What are you now reporting to the credit bureau the  week of XX/XX/XXXX. The prior complaint escalation contact would not tell me.

Why did the person on the phone advise me that Wells Fargo never sent me a letter on XX/XX/2020. I have the letter but according to him Wells Fargo never sent it. They told me on the phone it doesn't exist. I am attaching it this time.

This previous resolution is full of lies. All Wells Fargo does it lie and they deserve to be shut down and sued.
Consumer complaint received 2021-03-05
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)

The following information needs to be removed from my credit report immediately : 1. Identity Theft XXXX  CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

10. The status is incorrect for the following account XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

11. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

12. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-02-15
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)

Equifax, XXXX and XXXX are violating my rights as a consumer. I had informed them multiple times that I was a victim of fraud and they are reporting information on my credit report that I never authorized or gave them permission to. I've attempted multiple times to get this resolved and they refused to assist me. This has ruined my reputation and has caused XXXX within my life.
Consumer complaint received 2023-01-31
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. (CA)

THIS COMPANY IS IN VIOLATION AND THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-08-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (CA)

Hello, I contacted HYUNDAI CAPITAL AMERICA regarding Account # : XXXX on XX/XX/2021 requesting all the documents regarding the repossession they are reporting on my credit report because I never received any documents. I still have not received a response. I have attached a copy of the original letter and proof of delivery. The balance being reported on this alleged debt has been waived by the creditor. The balance should be listed at {$0.00} due to the creditors failure to comply with UCC XXXX. Please correct this information or delete it immediately. It is a violation of the FCRA to knowingly report or furnish false information. 

Thank You
Consumer complaint received 2020-10-20
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. (SC)

I sent certified dispute letters to XXXX  and Equifax on XX/XX/2020. I have not received any letters or any type of reply from either company. It has been much longer than 30 days.
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021 I submitted a wire transfer internationally from my Bank of America Account to my International Savings Account and as of XX/XX/2021 I have not receive my money, the transfer for what I submitted was promise to be delivered on the XXXX of XX/XX/2021.
Consumer complaint received 2020-09-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

IN ORDER TO CLOSE ON MY NEW VA LOAN I NEED MY PAYOFF FROM CURRENT LENDER. I HAVE TRIED FOR SEVERAL WKS TO OBTAIN MY PAYOFF. HOWEVER, THE LENDER CONTINUES TO SAY I WILL RECEIVE TOMORROW BUT TOMORROW NEVER COMES. WE NEED THE PAYOFF OR THE % RATE LOCK WILL EXPIRE.
Consumer complaint received 2021-08-11
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (GA)

Contacted company several times. They are continuing to report inaccurate information on my report I ask them for a debt validation letter as well I verified the information as being incorrect. They report open and/or close each month causing my score to drop. I sent them a copy of my correct information
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

A while ago I was on maternity leave and fell back on payments. I received two letters for both accounts about ways to catch up on payments. I made both payments but some how it was only credited to one account. I called several times requested supervisors and etc. They were able to see the one payment but explained some how the computer only followed through on one account and not the other. Although payment was received and the offer was for one account. I have been told several times that a supervisor up until this day that a supervisor would contact me back. I finally received a settlement offer. However after thinking about it and that I have been reaching out about this account for over a year and my other account has been in good standing I feel that somethin else should have been acceptable. I offered a pay for deletion due to the problem and I was told that was not offered and they had nothing to offer but the settlement and that I should contact a credit agency. However the credit agency said this is offered when capital one sends it to a collection agency. This matter should be looked into closer and I'm not understanding since i remain a customer and have been making contact for over a year. Why should I deal with a outside agency vs Capital one since the account is still with them.
Consumer complaint received 2020-10-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAND HOME FINANCIAL SERVICES (CA)

This year I have tried to fix my credit and tried to refinance but unfortunate I couldnt because my credit showed I had like 8 missed payments on my mortgage. I tried calling land home and financial to see why I had so many payments that were late and they said they werent. All my payments were made between the 30 days thats why I asked why their showing 30 days late. Right now Im on furlough and Im trying to refinance my house to get a smaller payment but Im having a lot of trouble just because of the missed payments.
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ygrene Energy Fund Inc. (FL)

Business Name : XXXX XXXX XXXX XXXX XXXX. 
Address : XXXX, CA XXXX Phone : ( XXXX ) XXXX I paid off my Ygrene loan early in XX/XX/XXXX and was promised XXXX refunds ; a reimbursement for the pre-payment penalty ( which I did receive ) and a reimbursement for the interest paid through XXXX which I did not receive. The interest for my loan in XXXX alone was more than {$2000.00}. I have received only the run around from Ygrene for the last 6 months about this interest reimbursement. I also filed a complaint with the California office of the XXXX  ( Complaint ID:XXXX  ) Phone : ( XXXX ) XXXX, on XX/XX/XXXX but Ygrene after XXXX nonsense response, never complied with them either I spoke multiple times with Ygrene representative XXXX XXXX . ( her e-mail is XXXX ) explaining that Ygrene required according to their " payoff quote '' of XX/XX/XXXX ( which I have, and can forward to you ) to pay interest on a loan through XX/XX/XXXX even though they received a 100 % payoff in XXXX. She confirmed that she had that document including it with her last e-mail to me ( which I have and can forward to you ). Consequently I proved to her that Ygrene owes me a refund of the interest for XXXX, XXXX and XXXX. She promised to forward this complaint to yet another Ygrene representative and after that I have heard nothing back from her or anyone else. Please note that this complaint is now approaching 6 months!!. It defies both logic and fairness that anyone pay interest AFTER a loan is completely paid off but that is Ygrene 's position. By the way, I also paid off my auto and home in XXXX and they also ESTIMATED the excess interest on their loan payouts and after the loan was closed, I received a refund on the excess interest paid ) Please help me recover this interest and teach Ygrene that they can not behave this way with consumers!!
Consumer complaint received 2020-10-08
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. (IL)

I attached letter stating the only way they would reinvestigate if they have Cancelled check or money order showing payment, etc. I have enclosed on the previous dispute the required documentation. I have a CASHIER CHECK FROM XXXX XXXX  CASHED BY XXXX XXXX AT XXXX XXXX  AND DATE ALL ATTACHED TO THIS LETTER AND THE PREVIOUS LETTER 'S.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, 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. (IN)

I called The credit bureaus on XX/XX/XXXX after noticing some inquiries on my report that do not belong to me regarding mortgage lending. I asked for them to be removed as according to the FCRA, legally these unverified and unauthorized items must be removed.
Consumer complaint received 2021-09-15
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: Penn Credit Corporation (FL)

I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.