davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

This whole thing started in XX/XX/XXXX when we had a hurricane ( hurricane was actually in XXXX ). The bank was supposed to move 3 mortgage payment to the end of the loan. At first it seemed they did that but the all of a sudden in XXXX of XXXX even though I was paying the current payments they started to say I was behind 3 mortgage payments. So at some point I got a letter I can't remember exactly when but I got a letter saying I had to pay all 3 payment in full  by XX/XX/XXXX or they would be able to start to a foreclosure process. I sent the payment in and they credited the account on XX/XX/XXXX. So at this point I was paid up there was a {$0.00} balance past due. Then on XX/XX/XXXX they took out of my escrow {$1700.00} for foreclosure fees for an Attorney. I didn't find out about this until XXXX of XXXX when I got the end of year statement. At that point I called them and asked about this and they said that yes the fees should not have been taken out and they would be put back in. Well they never did that and they sold my mortgage to another bank in XX/XX/XXXX. So when I started to receive new statements I see in very small print this {$1700.00} in fees. I inquired about it with the new mortgage company and they took three months to tell me it was a fee from my old bank Santander. So I inquired at Santander and I finally heard back after another two months. They said it was Attorneys fees for foreclosure and so they weren't giving  me the money back but they didn't even address that I was paid up a {$0.00} past due balance when they took the money. I have written to them again and asked them to address why they would take the money when I was paid up with a {$0.00} past due balance but they haven't responded. I will include an attachment of the account statement where u can see the payment was received on XX/XX/XXXX and they took the money out XX/XX/XXXX. Clearly I would think it is illegal to take money out of a escrow for Attorney foreclosure fee when the past due balance is {$0.00}.
Consumer complaint received 2018-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/18 I filed a complaint/ dispute against XXXX XXXX XXXX for this misrepresenting my payment history on my credit reports. They since corrected it. Now I received notification that they are reporting it delinquent again and the account has been closed. Even worse is that they are reporting it now to both Transunion and XXXX. Is this legal? 
Here is the timeline : On XX/XX/XXXX, my score dropped 69 points ( XXXX to XXXX ). Dispute made XX/XX/XXXX. When the dispute corrected the issue, XX/XX/XXXX, my score only went back up to 66 points ( XXXX to XXXX ).  Now, on XX/XX/XXXX, my score went down 50 points ( XXXX to XXXX ) because the " Current '' status was changed back to 30 days past due ( From XX/XX/XXXX ). 

The initial drop in my credit score was approximately 69 credit points, then it went back up only 66. How can they correct their mistake than take it back. I am in the middle of trying to get financing for my family 's business and this is hurting my chances. Isn't this illegal? How can these people continue to kill my credit score without proof. They are misrepresenting my account history. Who is going to hold these people accountable? I pay my bills and they are the ones XXXX  people and they get away with it. This is completely unfair.
Consumer complaint received 2022-04-27
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: CURO Intermediate Holdings (TN)

AD ASTRA REC ( Original Creditor : 12 SPEEDYCASH COM XXXX TN ) is reporting a collection to my credit report that I am not liable and that I have no knowledge of from their company. 
XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of {$710.00}. Last Reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. They refused to remove this account, and they also failed to provide validation of this account when I inquired for validation not verification of this account. 
XXXX : Date open date shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX XXXX  is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. 
XXXX : Date open shows XX/XX/XXXX. Last reported on : XX/XX/XXXX. Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX  : Date open shows as XX/XX/XXXX. Last reported XXXX. Date last active shows XX/XX/XXXX. Date of last payment : XX/XX/XXXX. 


XXXX : Date open shows XX/XX/XXXX. Last reported on : XX/XX/XXXX. 
Last date active : XX/XX/XXXX. Date of last payment : XX/XX/XXXX.
Consumer complaint received 2022-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (NY)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my bill and payment for {$40.00} dollars did not go through when it was on auto-bill. After seeing late payments hit my credit report, I reached out to the lender/company and they said that the payments were not accepted because the name on the credit card that was being processed did not match the name on the student loan account. They never notified me of the rejected payment or explained why the payment was rejected and gave me this late payment. I now have difficulties being extended credit because of these marks and the company will not help me with this unfair situation.
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing you because I believe the account on my credit report is not accurate. The data included in my credit report must be documented and validated before it is included in my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I am challenging the reportability of this allegation, which doesn't meet federal or state reporting requirements. This data must be reported with the greatest compliance and accuracy possible. XXXX shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all their claims are accurate and reported in the correct format. XXXX is required by law ( FCRA ) and reporting standards ( METRO 2 ). For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I have several 90, 120, 150, and 180-day late payments reported where there are no 30-day or 60-day late payments reported prior. I have a letter from XXXX stating that my loan would be completely forgiven which I will include and they still report late payments each month. I spoke to a representative that stated it may take 24 - 36 months for the forgiveness to take place. If you acknowledge my loan will be forgiven and I don't need to make further payments then why am I getting late payments reported every month? The credit bureaus and XXXX have failed to look into this thoroughly. This is unethical, unlawful, and unfair. 

I am requesting either all late payments be removed from both of these reported items listed below or that these accounts be removed from my credit immediately. 

Below is a summary of the data which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX XXXX - ( XXXX ) XXXX
Consumer complaint received 2019-08-13
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: Experian Information Solutions Inc. (MO)

I mailed letters to both Experian, XXXX, and XXXX asking them to furnish -- within 15 days -- their information as to how they verified a Chapter XXXX Bankruptcy on my credit report. The letters were mailed out on XX/XX/XXXX. In addition to not receiving a response from any of the bureaus on the verification method, I also pointed out inaccuracies in how they all reported it in separate letters. There have not been any responses, changes, or deletions made as a result.
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OR)

Synchrony for JC Penney Keeps calling me repeatedly almost every hour of the day. I have expressed to the company I can not pay the bill at the moment. I attempted prior when I missed one payment after the one missed payment the put this credit card debt into collections without attempting to call me about the bill. They are rude and hang up the phone or use fulgur language when I call. They claim I can not pay the debt unless I call the collector, they will not provide me with the phone number to do so. This company keeps harassing me
Consumer complaint received 2019-08-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I voluntarily surrendered my XXXX XXXX XXXX to Capital One, the vehicle sold and my account was immediately sent to collections. Once the collection agency acquired the account I settled with them for a lesser amount. The credit file indicates there is still an amount owed to Capital One and it's not indicating that the account was settled. The credit agencies show it is past due. I filed a dispute and Captal One Indicated that its report was correct. It is not and it needs to be changed to reflect the settlement and the notes need updated that it was paid as less than what was owed to be reporting accurately.
Consumer complaint received 2019-08-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OR)

I took out a loan for {$300.00} and was given an extension to pay on XX/XX/2019. I had to leave town for work, and they deposited the check, which was bounced back because my spouses unemployment check had not yet been deposited. On XX/XX/XXXX at XXXX they left a message on my employers main phone line identifying themselves as a payday loan company and searching for me by name. I called the company on XX/XX/XXXX and spoke to XXXX  to ask them to not call me at work and they said that in the contract they are able to and would not agree to cease communication to my place of employment. Everything I have researched stated this is not true and has caused me humiliation and could ruin my reputation at my job to be promoted or given additional responsibilities.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kimball, Tirey & St. John LLP (CA)

XXXX on a property where I use to live. They are trying to collect my wages on something that I was not aware of especially something that is 8yrs old. Im a single mother that just started working they want to take 25 % of my wages.
Consumer complaint received 2020-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF HAWAII CORPORATION (OR)

I applied for a bank of hawaii personal account on XX/XX/2020. In the next two days, I was fully operating normally and was about to transfer money to the account. I just entered the wrong password once, and found that bank of hawaii closed my account without giving it. specific reason. I am very angry. I have not violated the user agreement and other rules and regulations that you made, so I am preparing to complain. Their behavior makes me angry too. 

my userid : XXXX
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MI)

DCI ( diversified collections ) add a collection to my credit report in XX/XX/2019 in the amount of {$30.00}. For XXXX XXXX XXXX. 

Ive waited till now to see if they actually send me valid information via the mail as to this debt. An they have not sent me anything stating why I owe this. 

XXXX XXXX XXXX I contacted at & t personally and they have no record or account with them that has a debt balance of any kind.
Consumer complaint received 2019-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc. (NY)

Some who claims to be "XXXX XXXX(XXXX)"  calls every day.   No company name displays, he does not say who he represents.   He has my full name and phone number and refers to it as "a serious financial matter involving yourself."

Phone # that displays is XXXX.     This is a Florida number.   A friend called the number and it says it is a debt collection agency but it did not give a name.

This guy has called every week day for over two weeks.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for American Express Everyday Credit Card on their online website and was eventually approved for it on or about XXXX XX/XX/XXXX. Part of their promotion was 10,000 points upon successful completion of purchase of $2,000.00 or more. Even after i completed all the requirements, American Express refused in XX/XX/XXXX XX/XX/XXXX for the following reasons:
1)  American Express says that i had the same credit card before, therefore i do not qualify for bonus for the Amex Everyday Credit Card. (I never had this credit card in my lifetime)
2) I have too many revolving accounts/high credit utilization so Amex refuses to give me the promotional points. (These were never advertised nor written in any agreements between Amex and I).

I believe every conversation i had with American Express was recorded and i would be happy to provide additional information should such opportunity arise.
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

The following inquiry needs to be removed immediately:

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX Date: XXXX XXXX XXXX  
Creditor Name: XXXX XXXX XXXX Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX Date: XXXX XXXX XXXX  
Creditor Name:  XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX &
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX &
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  &
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX  
Creditor Name:  XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX


Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  Date: XXXX XXXX XXXX

Creditor Name:XXXX XXXX  
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Original creditor: XXXX XXXX XXXX XXXX
Account name :XXXX XXXX XXXX
Account : XXXX 
Amount : XXXX

Original creditor: XXXX XXXX XXXX XXXX
Account name :XXXX XXXX XXXX
Account : XXXX
Amount : XXXX

Original creditor: XXXX XXXX XXXX
Account name : XXXX XXXX XXXX
Account : XXXX
Amount : XXXX

Original creditor: XXXX
Account name :XXXX XXXX XXXX XXXX  Account : XXXX
Amount : XXXX  
Original creditor: XXXX XXXX XXXX XXXX
Account name :XXXX XXXX XXXX
Account : XXXX
Amount : XXXX

Original creditor: XXXX
Account name :XXXX XXXX XXXX  Account : XXXX
Amount : XXXX
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

They reported 3 loans on my personal credit reports. I wrote them a letter and call there office XXXX. Received the acknowledgment but they are not fixing my credit report. And my refinance was decline due to this error.
Consumer complaint received 2020-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (TX)

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THERE ARE ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. I HAVE LISTED THE ACCOUNTS BELOW. PLEASE ASSIST ME IN HAVING THESE ACCOUNTS REPORTED AS FRAUD AND HAVE THEM REMOVED FROM MY CREDIT REPORT. 

1. XXXX XXXX ACCT # XXXX 2. XXXX XXXX ACCT # XXXX 3. XXXX XXXX ACCT # XXXX
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MI)

We had numerous debts from purchasing clothing for my mother. The extra fees continued and we voluntarily closed the accounts. The accounts were sold and we still make payments to the companies monthly. They were harassing me so I sent cease communications to each one. However, we are now notified that this collection agency bought all 4 accounts. XXXX, XXXX, XXXX, XXXX XXXX. I do pay them monthly but directly to the XXXX XXXX. I am not paying a collection agency that continually calls. My wife and I are XXXX XXXX XXXX on low income.They keep calling, using several variations of numbers several times a day, even though we had previous cease statements on here.
Consumer complaint received 2018-07-27
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 — Their investigation did not fix an error on your report
Company: Southwest Credit Systems, L.P. (PA)

SW CRDT SYS XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The above companies are reporting an account which they claim is mine but when asked for verification and validation of debt they did not provided me with validation of debt. A validation letter was sent to them on XX/XX/17 and no answer was received. Instead they renewed the reporting of the debt on my credit report with a recent date. I also sent verification to the credit bureaus XXXX, XXXX  and XXXX on XX/XX/17 but they only verified the account. I seek protection under the fair credit reporting act that this account be immediately removed from my records since the company above is in violation of such act. They also did not reply to my validation letter ignoring several attempts by me for them to send documents with signatures and proof of debt. 

Please investigate this account and have this company immediately remove their reporting immediately from my records. 

Thanks, XXXX XXXX