davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NJ)

Dear Madam/Sir, CFPB : I received a notification from a Bank Institution , from the year 2022. With a 1099-C, Cancellation of debt with an account number. It states Box 1, date of identification event. Box 2, Amount of debt discharged. Box 4 Debt description, credit card. Box 5, Borrower was personally liable for repayment of debt. Box 6, Identifiable event code, total amount of debt discharged. Tax year 2022, with tax ID number, with a similar name like mine, not my legal name. With the wrong adress. It also has an : E. I. N, number. Again it comes from a Bank institution with the telephone number, and the po box number. It also said that I need to report this to the I. R. S. This document it is not mine, and does not belongs to me. However my Big concern is that has also my last 4 digits of my SS number. And also has the amount of the debt discharged of, {$860.00}. This matter is FRAUD, because I never had in 2022 any credit card with this Bank, institution.
Consumer complaint received 2021-07-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (TN)

On XX/XX/2021, a DEBT VALIDATION letter was sent in response to a notice sent to me on XX/XX/2021. 

Pursuant to 15 USC 1692g, SANTANDER CONSUMER USA claim was disputed and validation has been requested. 

Specifically addressing all to be true above, therefore ; SANTANDER CONSUMER USA, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector -- pursuant to 15 USC 1692g ( b ).

Furthermore, SANTANDER CONSUMER USA is reporting invalidated information to the major three consumer reporting agencies resulting in a negative mark for the alleged debt.
Consumer complaint received 2018-01-27
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 (NY)

I have a credit card with Discover for the past few years, i set up auto pay on the account a few months after getting this credit card. The monthly payment been coming out of the account for years. In XX/XX/XXXX i checked my account online ( I have online banking with this account ) and the website stated that i owed XXXX dollar plus XXXX late fee. I called the credit card company and i was told " the company was not able to get the money from the bank for XX/XX/XXXX '' i gave the customer service a new account ( XXXX XXXX )  and i was told that the payment went through. At that time i set up account alert. A few days after making this payment i got an email stating that i owed 2 months payment. I immediately though that is not accurate because i paged for XX/XX/XXXX, XX/XX/XXXX and also set up auto pay with the new XXXX XXXX account. I called customer service again and after the agent repeat the information the routing number she has was not correct. I repeated the check information and a payment of XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. A few days after i checked my credit and i saw a late payment on my credit history, from Discover card, which i know was put on my account recently, i check my credit score twice per week. Because of this company my credit score drop from XXXX to XXXX. No one from the credit card company have ever call me, or send me an email to notify me that the payment did no go through. Back in XX/XX/XXXX if i have never checked my account, at this time and date i would have owed three months payment and no one from the company would call or email me about this situation. After being aware of the problem i called many times to make sure everything was corrected and no one notify me about the problem. But, yet the company is quick to report me stating that i made a late payment. I have auto pay and all my credit cards therefore, each month each credit cards get a payment. And to see this late payment on my credit i am very dissatisfied with this credit card company service. Now i do understand when many people tell me about their experience with these credit companies, and why they top paying there credit card bills. You try to do the right things and you still get yourself in trouble. And they don't care about there customer. If this issue is not solve i am going to sue this credit card company.
Consumer complaint received 2019-03-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

Called my work and said they were the courthouse and that I owed money. Once I got on the phone the woman said I never paid anything to ACE, when in fact I did. I said to please send me a statement by mail so that I can review this claim. I was told it was too late for that. I was told if I pay now that I can pay less for a settlement. I said let me know the name and address of your collection agency and that I would get back to you. She refused and said I dont have time for this. She gave me a number to call back, but didnt give me a name. I told her I was reporting her then she hang up.
Consumer complaint received 2018-01-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In XXXX And XXXX of 2014 i asked for a Forbrence and was told that i got it but was stilll marked for late payment. which is still on my credit. The company is Navient
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (OH)

I was robo signed into foreclosure by XXXX because of the robo foreclosure they aggreed to settle the account for no more than the balance before I missed a payment I attempted to get a loan modification over many months where I was told first I made to much money, then not enough to allow a modification. 
through out this ordeal my arears kept fluctuating, 1 month it was XXXX then the next month it was XXXX. 
I ask for an accounting and never received it My attorney filled for arbitration on the modification and we had a hearing with the arbitrator. 
One week before meeting with the arbitrator I was layed off so the bank told the arbitrator it was a mute point to continue, which I agreed to but made sure I ask for an accounting of arrears for the record and the banks counsel said we would have it in a week.4 years later I am still waiting on it. 
Soon after that XXXX went into bankrupcy and were aquired by Green Tree Capitol. 
Again I started the process of a loan modification and trying to get an accounting of the arrears For 6 months I supplied the information they requested in their time frame only to be told they need something different before they could approve it. 
Durring this time I had a date for sherifs sale of XXXX XXXX 2013 and dozens of letters from Greentree stating they would not pursue any foreclosure/sale action as long as there was an active modification in process. 
In XXXX and XXXX I called Greentree 2 to 3 times a week asking if they needed anything to process the modification and also talk to them about canceling the sherifs sale per their own written policy that it would not be pursued, and was always told do not worry about the sale it would be canceled I met with an attorney in early XXXX, showed him the letters stating Greentree would not purse action while in the modification and he told me that was their XXXX XXXX and they would proceed regardless of what the letters said going into XXXX weekly I submitted more paperwork followed by a phone call asking if they had everything and asked when they would cancel the sale, which they assureed me they would and had plenty of time and then they would send a letter asking for something different. This went on untill a week before the sale with my last conversation was they would cancel the sale. 
The week of the sale I called 5 to 10 times a day and no one would talk to me about my modification and when they would be canceling the sale. 
Finally at XXXX the afternoon before the XXXX sale someone picked up my call and told me they changed their mind the sale was going through and i should not have gotten behind I then called the Ohio XXXX office and someone reached out to them with no avail. 
The result of the sale was @ loan balance {$280000.00} sale price {$500000.00} and needing to move out at XXXX.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NV)

ATTENTION TO ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2100.00} does not belong to me. This account was fraudulently opened through this company ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire SOME FORM OF ACCOUNT I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2018-01-28
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. (AR)

I disputed several fraudulent inquires with Experian and the companies attached on the letter that I sent out on XX/XX/2017. As of today Experian is still reporting these fraudulent inquiries. I would like these inquiries removed as I am entitled to a fair and accurate credit report. The inquiries are listed below. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX ( listed on my credit report several time ) 4. XXXX XXXX XXXX XXXX 5. XXXX   6. XXXX XXXX XXXX
Consumer complaint received 2018-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not Authorize XXXX to give Inquiries on the following dates XX/XX/XXXX  and XX/XX/XXXX. These Inquiries are fraud I did not authorize them.
Consumer complaint received 2022-02-17
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)

Ran the Equifax report on XX/XX/15 and came across another name " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX associated with my account, along with XXXX auto loans, XXXX from XXXX XXXX  XXXX XXXX. Already filed a police report, disputed the accounts, and contacted the banks. These charges are only reported through this credit reporting agency.
Consumer complaint received 2018-01-28
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. (OH)

I have been disputing for a whole year and two months every month to get these fraudulent accounts removed I sent in my FTC identity theft repot and my affidavit most of the accounts was removed from XXXX  and XXXX but Im having such a hard time with experian then they sent me a letter stating they we no longer reinvestigate these accounts which are reporting negatively on my report
Consumer complaint received 2015-12-28
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Debt Holdings, LLC (TX)

Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them {$1200.00}. A man named XXXX XXXX is calling me stating that I have to appear in court.
Consumer complaint received 2019-03-06
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: Santander Consumer USA Holdings Inc. (NY)

I paid off my car loan with XXXX XXXX XX/XX/XXXX it is now XX/XX/XXXX and it is still open on my credit report after numerous attempts of contacting contact XXXX XXXX and recieving many final statements that I also submitted it to the dispute resolution center with XXXX credit bureau. They have failed to remove this account from my credit report which has hindered my debt to income ratio for other lines of credit applications. 

I have disputed this issue with XXXX 3 times and every single time it comes back with no resolution. 


I paid everything in full and want this off my credit report as soon as possible.
Consumer complaint received 2018-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Bayview loan Servicing llc has added XXXX to my Mortgage that was sold to them by XXXX XXXX XXXX who did foreclose on me in XX/XX/XXXX.I filed for modifaction in XX/XX/XXXX and was denied stating I failed to return documents 4 times I needed that modafication my spouse XXXX XXXX do to injury 's from XXXX.I did the modifaction with Bayview with the interest rate the same 7.25 % for 45 years I had already paid for 16 years my balance was XXXX.I Have paid them for 2 years always ahead not behind. I provided a lot of evidence to the credit Company 's as of XX/XX/XXXX the credit Company 's have deleted Bayview Loan Servicing llc from my credit file.I 'm paid up till XX/XX/XXXX.Also they sent me 2 XXXX tax forms one under my info and another one under my name along with my XXXX Spouse under XXXX XXXX XXXX   XX/XX/XXXX.If you could please help me I have no funds since Irma.Much respect.I DO NOT OWE XXXX .XXXX SHOWS ON CREDIT REPORT PAID 100 % OF  MORTGAGE.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (TX)

I recently reviewed my credit reports and have found duplicate accounts that are affecting my credit rating showing on my credit file. I have disputed directly with XXXX, and Equifax over 30 days ago and they have failed to remove thesein accuracies. 

XXXX Professional Debt ME Acct # XXXX Showing duplicated three times Equifax XXXX XXXX XXXX Acct # XXXX Showing duplicated four times
Consumer complaint received 2020-01-21
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: SYNCHRONY FINANCIAL (AK)

I was shopping via the Internet and was purchasing a product. I was given the option to us PayPal or use my credit card. I chose to use my credit card. I completed the process by providing the details of my credit card and home/billing address. I was later informed by credit watch services that I subscribe to that a hard credit inquiry had taken place on my file. Since I was paying by credit card, there should have been no reason to pull my credit report. The credit report was pulled by XXXX XXXX XXXX XXXX/PayPal Credit on XXXX.
Consumer complaint received 2016-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CA)

This is the second time I 've submitted a complaint about my XXXX student loan which I 've been repaying for since 2006. Now that XXXX is closed I 'm still paying for a degree the Federal Government deems worthless. I 've repaid the original amount and just want to know what can be done with the remaining balance.
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NY)

I recently applied for a loan and when my credit report was run ; the loan agent told me that my score had dropped significantly. When we researched the report we find a derogatory report from my old mortgage company that held the loan for my last house. It was stated by the company that I had made a late payment ; the supposed late payment was issued on XXXX of 2014. The problem with this claim is that I had sold the house on XXXX XXXX of 2014 ; obviously there report of this late payment is impossible. I have contacted the company via email and phone ; I supplied them with the report and highlighted the discrepancy. The have done nothing to correct the issue and now they wont reply to my email or phone calls. They give me excuses like they do n't have the loan on file anymore, even though the its been less than a year. Its being investigated by there people but I am not allowed to speak to them. I spoke to a supervisor at one point and she hung up on me, another time I was put on hold and intentionally hung up on. 
I reported this issue with Experian and they have put in a dispute, advocating on my behalf with the company as well.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
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 XXXX
Consumer complaint received 2021-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (SC)

SCA Collections Agency failed to validate this debt for this alleged collection account # XXXX. They received my dispute as of XX/XX/2021 where I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by The alleged original creditor and XXXX XXXX , ( 2 ) a copy of all actual bills sent from The Alleged original creditor to XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX to the alleged listed original creditor, ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved and ( 6 ) Proof that this debt was an alleged account described by Title 15 section 1693A ( 2 ) demand deposit, savings deposit, or other asset account.

You are illegally attempting to collect the above-listed alleged debt.

They responded with medical bills as if that was what I requested and did not validate this account at all which leaves them in violation of Title 15 1692Ga Furthermore they are falsely stating this alleged debt was an " account '' According to Title 15 1693A2 " ( 2 ) the term account means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open end credit plan as defined in section 1602 ( i ) [ 1 ] of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement ; '' this means that SCA collections Agency is in violation of 15 U.S. Code 1692e.False or misleading representations For falsifying the character of this debt Delete immediately
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address fraudulent accounts on my credit report, which I believe stem from inaccurate information resulting from fraudulent activity. I demand immediate action to rectify this error, as it tarnishes my financial reputation and integrity XXXX XXXX and XXXX XXXX.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CA)

Have made calls and sent emails inquires re balance. Company has automated answering redirecting to medical sales company. Emails have gone unanswered. All other efforts have been futile. The Gift Card was purchased for XXXX dollars and all efforts to use the card have been denied. The card was purchased from My Gift Card and bears the Mastercard number XXXX, with an expiration date of XX/XX/2020. Please stop this from happening to other consumers!!!