davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In the accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 1681. XXXX  account number # XXXX has violated my rights. 
15 USC 1681, Section 602A. States I have the right to privacy. 15 USC 1681, Section 604A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC, 1681 C. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 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 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (NC)

The company calls everyday, I have returned the call several times only to get a voicemail. They say they are collecting for a bill that is owed by XXXX, but all our accounts are in good standing according to XXXX. 

They say to call XXXX x. XXXX  Case # XXXX
Consumer complaint received 2021-12-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX capital one auto finance contacted Me in regards XXXX  my late payments. They assisted me when I was laid off from XXXX XXXX  XXXX. I made my payments. I then was hospitalized with XXXX from XXXX until XXXX. I asked for an extension. I was denied from XXXX, XXXX, XXXX  XXXX. XX/XX/XXXX the representative told me make a {$300.00} payment before XXXX  XXXX  the relief will begin again .XXXX 

XXXX XX/XX/XXXX, XXXXthey  called again asking for another payment XXXX  the car was on the repossession list. How? I have paid the amount!!! The representative stated they had no record of the Conversation on the day the payment was made!!!! No record!!! I went on XXXX  ask what the pay off amount would be. I paid {$27000.00} on the car. She told me I owed {$31000.00} XXXX XXXX. I said okay, I will pay it off. She said the pAy off is {$31000.00}!! Another {$31000.00}??? My bill if Sale with interest At 16.1 % shows {$34000.00}!!!! Why am I paying almost {$60000.00}!!!! She said it shows 12.4 % XXXX  she shows {$60000.00}! There is a huge discrepancy. Capital one violates the TRUTH XXXX  Lending act with the terms of the loan. In no way does it say in my disclosure XXXX  pay this much interest or over XXXX XXXX.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My mortgage was assigned, sold, or transferred to XXXX XXXX, serviced by Shellpoint Mortgage Servicing, effective XX/XX/2021. As of XX/XX/2021, Shellpoint Mortgage Servicing has still not provided me with notice of the transfer. I've repeatedly contacted Shellpoint in order to make payment on my mortgage and Shellpoint has no record of my loan. Shellpoint is unable to provide me with my loan number in order for me to make timely payment of my mortgage.
Consumer complaint received 2021-01-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

In response to Prestige administration Chief Officer MrXXXX XXXX on XXXX XXXXand contacting him at XXXX. 
I don't have no contact with him as Prestige has violated my ADA Disability Civil Rights under Department of Justice. 
Prestige has no right in trying collecting {$10000.00} from me as the vehicle was return in excellent condition and Prestige knows that I am XXXX Lifetime and Retired and State and Federal Courts Judge orders of my Lifetime XXXX was provided to Prestige Administration. 

Prestige needs to delete the derogotory collection on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX immediately. Charge Off/Collection. Prestige has implemented Charge off.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NE)

XX/XX/2023 XXXX bank told me that they had decided to close my account and that they would no longer except my direct deposits. Instead they continued to except my direct deposits and decline all of my auto bill payments. This has cause my credit score to drop, this has also cause my loan balance due in full. Still today XXXX is holding my refund from my closed account every time during the about the XXXX I was told that my payment was already mailed. Today XX/XX/2023 I still haven't received my payment. I expect they will say that it's loss in the mail, so that they can start this process over.
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: RateGenius Loan Services Inc (CA)

In XXXX of 2020 I completed a refinance with rateGenius Loan Services , Inc. and I was told the new note holder is XXXX XXXX XXXX when I had to renew my DMV registration I was unable to because they had not paid and completed the title work process DMV keeps sending me emails of the required documentation missing and I keep sending it rateGenius Loan Services , Inc. they have not resolve this and I am scared of getting pulled over need to fix this
Consumer complaint received 2024-02-04
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. (AL)

I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
Consumer complaint received 2021-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MI)

Paid XXXX XX/XX/2020 for XXXX. Paid XXXX XX/XX/2020. Paid XXXX XX/XX/2020. Regular payments are XXXX and now I'm behind XXXX. Kia mother finance won't take my calls. I have spoken with everyone and for several weeks. My payoff is XXXX, when it should be less than XXXX. My account was closed and I have statements to prove why. It does reflect all the payments I made and on time. Please help. Thanks.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

XXXX/XXXX  property show on there only statements that I over paid, my is rent is XXXX an month. Section 8 pay XXXX an month and I pay XXXX an month. According the statement issue by Colonly on XX/XX/XXXX Section 8 was paid up to XXXX of XXXX and I already paid for the month of XX/XX/XXXX and Partial of XX/XX/XXXX, so I dont understand where and why this report was made. This report was credit bureaus. Please look into this information
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

The car ( XXXX XXXX XXXX ) was repossessed in XX/XX/XXXX. 
The remaining balance was completely settled with Nissan XXXX XX/XX/XXXX. 
Despite disputing with XXXX, XXXX, XXXX, and Nissan, a balance of {$2800.00} remains on my credit report with a charge-off occurring every month. The account is closed and settled.
Consumer complaint received 2020-09-08
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

Our mortgage servicing was assumed by Shellpoint Mortgage Servicing earlier this year. Upon receiving a statement, there was an additional {$2400.00} owed that was never on our account from the previous servicer. Shellpoint state this is a bankruptcy attorney fee. We have not filed for bankruptcy since 2006. The servicer at that time was XXXX. When we filed, we reaffirmed our mortgage. XXXX agreed to forgive all legal fees involved.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I had a Covid forbearance with Select Portfolio Servicing that is coming to an end. They offered a loan modification that is with an even worser interest rate than what I should have been paying during the forbearance, as well as what I should be paying going forward. 

The forbearance started XX/XX/XXXX when my ARM interest rate was 5 %, but XX/XX/XXXX onwards my ARM interest rate decreased to 3.25 %. XX/XX/XXXX onwards my ARM interest rate adjusts to 2.5 %. However the modification the company has offered is to take the balloon payment owed over the forbearance period, from XX/XX/XXXX to XX/XX/XXXX, ( 11 months of which should have been at 3.25 % ) put it to the back of the loan, and have my interest rate starting XXXX of XXXX be at 5 % for the lifetime of the loan, i.e. TWICE the interest rate I should be paying based on my adjusted rate. I have never heard of a loan modification where the rates was INCREASED, much less doubled, when a modification is supposed to help the borrower. I have written them an email and spoken to two representatives but the supervisor even claims that " this is the BEST solution for YOU '' and that if I don't accept it the loan will go into default. I told her NO this is the best solution for the lender - they get to charge a higher interest rate for most of the entire amount of the forbearance ( 5 % instead of 3.25 % ) as well as going forward and I think this is unconscionable. But she still insisted that this is the best solution for me. I find it hard to understand how a doubling of my interest rate and increase of my monthly payment going forward for the lifetime of the loan, is in my best interest. It's almost like the company is trying to gouge more money out of me as I am in a position of having no choice but to accept their new and worser terms.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent multiple letters to the Credit Bureau trying to remove inaccurate information from my credit report. My goal is to purchase a home but I am being held back because all three of the Credit Bureaus are violating my rights as a consumer. I sent letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have sent the last set of letters certified, and after multiple requests for re-investigations I know that 30 day rule is out of the window. This has been a HUGE inconvenience for me, and I want this matter solved ASAP.

There are several items on my credit report that are reporting inaccurately and they should be removed.

TransUnion, XXXX, and XXXX have yet to send ANY correspondence for my requests and completely ignored every letter.
Consumer complaint received 2021-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I have an auto loan with Santander USA and currently waiting for a total loss insurance check to be applied to my account in the amount of {$10000.00}. Since the origination of the loan in XX/XX/XXXX I have never had a missed or late payment. My last statement from Santander USA dated XX/XX/XXXX listed the total amount outstanding as {$13000.00}, the status of my account was current, {$0.00} past due. 

On inquiring via the Santander website XXXX if the insurance check had been applied to my account I instantly noted that my account shows past due in the amount of {$1200.00} which includes late and interest charges and shows the last payment being received/posted to my account on XX/XX/XXXX, XXXX. My Account transaction history clearly shows payments of {$440.00} made and posted on XXXX and XX/XX/XXXX. The transaction history also shows 2 seperate transactions dated XX/XX/XXXX removing/reversing 2 payments of {$440.00} and the balance owed on my account as of XXXX is {$13000.00} Santander USA 's explanation is that both payments have been removed so that the insurance check can be backdated to XX/XX/XXXX ( date of total loss ) and the payments will be reapplied. I have never heard of an accounting practice that would require payments physically posted to an account to be removed to retroactively apply {$10000.00} insurance check. This action has effectively places my account into a delinquent status until some future date when Santander USA decides to post the insurance check. Addtionally, Satanders action falsely records my account as delinquent and I am truely concerned this will have a derogatory impact on my credit status with credit bureaus. I strongly believe this action is unethical at best and fraudlent at worst. I can only see the reasoning to remove posted payments to manipulate the true balance of my account for Santander to charge the maximum interest it can recover.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NJ)

I have had a Wells Fargo Platinum credit card since XX/XX/XXXX. In the first two years I had an interest rate that was less than 10 %. In XX/XX/XXXX, I fell on hard times and was late a few times on my payment, so they increased my interest rate to 21 %. I quickly got caught back up and started making on time payments again. In fact, I have not been late in over 10 years and have a XXXX+ credit score, yet they kept my interest rate the same ( at 21 % ). I always felt I was being penalized wrongly and that they should reinstate a lower interest rate once I proved good payment history with them. Over the course of a decade, I have called their customer service and even visited my local branch. to see if they would lower my interest rate. There were interest rate promos for new customers that I was not " eligible '' for. Every time, I would be told that I was not eligible for a lower rate. I have even paid this card off in full on various occasions. They trust me enough to keep increasing my credit limit, however no break in the interest. 

I've had multiple accounts with this bank since XX/XX/XXXX so I have resisted changed banks because it would be quite a bit of work. 
I did some research on your website, and from what I can see, WF should be reviewing and assessing my account every 6 months, and that afte

r 6 on-time payments I should have been eligible for a lower interest rate even if it is not as low as my original one. I am hoping you can help get this resolved. I know in my heart that they are taking advantage of me with excess interest rates. Thank you kindly!
Consumer complaint received 2020-10-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Experian Information Solutions Inc. (CA)

I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission and acknowledgment.
Consumer complaint received 2022-11-17
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. (TX)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Upon checking my most recent consumer report I found that these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report. The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contain transactions and experiences ( utilization and or late payment history ), which is to be excluded from a consumer report. This company also has no permissible. 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! There is Also Personal Information that is incorrect such as name spellings and alias that I have never went by and there are also addresses listed that I have never lived at. There should only be one name listed and one address listed. There are inquiries listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that are not tied to any account.
Consumer complaint received 2022-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (NJ)

I received written notice from a company, Cedars Business Services, attempting debt collection for my deceased parents from a health services company, XXXX XXXX XXXX XXXX, they never incurred debt with. I reached out to the company attempting to collect and advised there was no such debt and I suspected this was a fraudulent attempt to collect money. I asked for information on the company claiming the debt was owed and advised my parents were deceased. The company representatives were unwilling to share information with me. My father was recently deceased, and my mother was mentioned in his obituary. I am concerned this was fraudulent attempt to collect a debt not owed.