davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (IL)

I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section XXXX i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent on XX/XX/XXXX to Santander disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX, XXXX XXXX 4. XX/XX/XXXX Debt validation letter sent to XXXX   XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX  dispute letter to Diversified amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to Diversified
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I requested that Portfolio Recovery ( PRA ) disclosed the date of last activity on the account from the Original creditor. The PRA can only report the account 7 years from the date of last activity. PRA have exceeded the statute of limitation in my state. I am simply asking the PRA method of verification as how PRA is determining the date of last activity. I am request the last day of PRA credit reporting as determined by FCRA. PRA wil not disclose or validate the date of last activity. I want to settle this account if is completely validated. I am a disable on a fixed income.
Consumer complaint received 2018-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OK)

My name is XXXX, my loans were generated under XXXX XXXX XXXX. When I consolidated them on XX/XX/XXXX, the loan amount was {$33000.00} this was done under XXXX XXXX. My daughter graduated in XX/XX/XXXX and the amount jumped to {$48000.00}, the date shows it to be XX/XX/XXXX. Then again in XX/XX/XXXX the amount jumped to {$61000.00}. This consolidation eventually went from XXXX XXXX to XXXX and on XX/XX/XXXX the amount had jumped to {$77000.00}. I understand adding the interest in, however during this time I was making payments. I did forbearance a few times. The loan is now being serviced by XXXX. It shows on the federal website that it is still under XXXX. I feel as thought they pressured me into forbearance at different times. However, the interest should only have been XXXX, XXXX and XXXX respectively. XXXX told me I am enrolled on an ICR,  however my payment is {$0.00}. I don't understand why I owe this much and how the loan jumped XXXX, XXXX and then XXXX. The math does not make sense. Also, I am not sure XXXX, XXXX or XXXX XXXX are reputable companies. I feel I have been cheated and I really want to pay this off. If you look at my records, the school loans for myself in XX/XX/XXXX have all been paid. How do I know I have been treated fairly? What legal recourse do I have for the school, XXXX XXXX for taking my co-sign signatures on at least 50 % of these loans and removing my daughter as this is her debt. 

Thank you for any help. 

my e-mail is XXXX XXXX
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: KEYCORP (PA)

From XX/XX/XXXX to XX/XX/XXXX a total of roughly XXXX dollars was scammed out my account and the bank is not willing to refund me stating that i made the transactions which i didn't do.They did a 10 day investigation which they didn't investigate throughly
Consumer complaint received 2021-04-22
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. (SC)

date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. XXXX you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/transunion is reporting {$27000.00} and XXXX is reporting XXXX if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below
Consumer complaint received 2020-05-08
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: Experian Information Solutions Inc. (WI)

I submitted what i felt was ample support to dispute XXXX / XXXX XXXX {$560.00} XX/XX/2020 I do not know it unauthorized I also contacted XXXX   XXXX XXXX XXXX as fraud error I do not recall these charges fraud unauthorized I now have IdentityTheft.gov assoting and submit follow up to Credit reporting services Experian and XXXX
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-13
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. (TX)

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1800.00} Payment Info Original loan amount {$1800.00} Balance {$1800.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$610.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$610.00} {$610.00} Payment Info Original loan amount {$610.00} Balance {$610.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$640.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$640.00} {$640.00} Payment Info Original loan amount {$640.00} Balance {$640.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX   {$17000.00} Closed 7 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$17000.00} {$21000.00} Payment Info Status Repossession Status date XX/XX/XXXX Past due amount {$17000.00} Original loan amount {$21000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more all ftc violations
Consumer complaint received 2020-07-13
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. (TX)

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1800.00} Payment Info Original loan amount {$1800.00} Balance {$1800.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$610.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$610.00} {$610.00} Payment Info Original loan amount {$610.00} Balance {$610.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX  {$640.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$640.00} {$640.00} Payment Info Original loan amount {$640.00} Balance {$640.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX   {$17000.00} Closed 7 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$17000.00} {$21000.00} Payment Info Status Repossession Status date XX/XX/XXXX Past due amount {$17000.00} Original loan amount {$21000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more all ftc violations
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This complaint is follow up to my two initial complaints regarding this matter from 2019 ( XXXX & XXXX ). An ACH was credited to my account, and it is my understanding that there was a name mismatch. Capital One has placed the account in a restricted status and in their last response to me, told me that the funds are being sent back to the originator. However nearly two years after this problem has started, the funds are still held in this account and have not been sent back to the originator. And now, I am receiving a 1099-INT for funds that Capital One has. I requested this account be closed long ago, but it has yet to happen. And now Capital Ones failure to act is resulting in tax implications for me. As I stated previously : they can close the account and return the ACH. But now they are saying Im receiving interest payments that I am not the beneficiary of.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

Hello CFPB team, Since both myself and my husband are out of work due to the Covid-19, I wanted to get a deferment from Mr. Cooper. I tried contacting them by the website, phone, and the app on XX/XX/XXXX, to no avail. I finally got an answer via their XXXX  page. They said that they would look into options. They sent me a letter on XXXX stating that I have been put into a forebearance. As you know, a forebearance does nothing but push the mortgage back and then you have to pay a lump sum. This happened a lot during the 2008 recession, that is why many lost their homes. They told me that I have 3 months forebearance, then pay it all in XXXX. How can we do that when we are not working? We have paid each month of 15 years on time. Other mortgage lenders are offering deferments, why don't they? I would like a deferment please. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

Today at XXXX, while returning home from school as a XXXX, I received an email that was addressed from a XXXX XXXX XXXX who wrote content in the mailing, which looked like PayPal letter head, and which said that I had purchased a XXXX  XXXX XXXX XXXX which I did not do ), for some {$950.00} dollars, with a notice at the bottom saying I had XXXX hours to respond before the deduction will be made on my account. The return phone number was : XXXX, inside the letter. The rest read : Hello Customer! 

Hope your day is going well. 

Your account has been charged and the payment has been deducted. 
Your order has been placed successfully. 

If you want any information you can contact us. 

Thank you for shopping with us. 


I did not make this purchase and I do not know this individual, so I am writing to notify you of the scam.
Consumer complaint received 2020-06-25
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. (GA)

On several occasions I have submitted documentation including FTC identity theft form, police report and written dispute in reference to a fraudulent XXXX XXXX  account reporting on my credit file. Every dispute has resulted in Experian and XXXX  responding the account was verified. However, on XX/XX/2020, I submitted a complaint to XXXX XXXX  in reference to the fraudulent account and attached the same documents I have previously submitted to both bureaus above. XXXX responded that my dispute was the first time they were notified this was a fraudulent account. How could this be????? I have submitted the same documents to the bureaus above and they claim, the account was verified?! This is ridiculous that Experian and XXXX  and blatantly not investigating fraudulent accounts and further intensifying the effects of identity theft on consumers! Now, I have to wait another 90 days for XXXX to investigate before they will be able to dismiss this debt as fraudulent. As of now, this fraudulent account is continuing to cause undue damage my credit profile as a result of the above credit bureaus not verifying, validating and accurately disputing this debt with the creditor! I am in the process of filing formal complaints with the XXXX XXXX XXXX, CEO 's of both bureaus and Attorney General as well until this erroneous deed is rectified.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

Made a purchase of a laptop and a phone at Best Buy in XXXX, XXXX for {$2000.00}. I was given an option to either pay for the purchase and receive a discount or put the purchase on the new Best Buy card ( issued and serviced by Citibank ) and forego the discount in place of a WAIVED interest rate on the card for a year. I chose to apply for the card. Was approved on the spot and put the purchase on it. I have serviced the outstanding balance with regular monthly payments and the outstanding balance as of XXXX, XXXX was {$1600.00}. Then my wife received a bill in XXXX, XXXX for {$2200.00}, which included an insterest of {$600.00}. I was away on a business trip, thought such a huge interest charge was some kind of mistake and I would deal with it upon my return. When I returned to US and cleed the Citibank, I was explained that the promotion on the card ended and the interest charge, that I was advertised as WAIVED, was actually only POSTPONED. I offered to settle the full outstnading balance on the spot, but was told that because on the 2nd or 3rd page of the monthly statement, this promotion was explained in fine print, bank 's policies would not allow to waive the interest even with the full payment. I escalated the matter to the second level superviser, who promised to give me a call within a week, yet, I received no follow up. I received another call from the bank at XXXX on XXXX morning of XX/XX/XXXX with the reqquest to make a payment. When I refused to accept the {$600.00} interest change, which is an outrageous amount of about 33 % on the average outstanding amount, besides the fact that I was advertised NO interest rate for one year, the representative said that they had " good news '' for me. Apperantly, the bank was willing to discount 50 % of the changed interest if I accepted the changes. This is a highway robery worthy of shady finanical operators, which I could never have expected from such respected institutions as Citibank and Best Buy. I refuse to accept the " incurred charges '' as I was plainly told there would not be ANY interest charges for a year and I was not clearly explained that I needed to pay off the full amount in under a year! Those conditions were also not clearly marked on the frint page of the statements and Citibank did everything to " catch me '' in their " trap. '' I'm willing and able to pay the outstanding amount in full. Please, help me receive justice in my complaint against completely unfair consummer practices of Citibank
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (CA)

Account Number. XXXX Maturity Date. XX/XX/XXXX.

Term. 24 Months I invested {$1000.00} on XX/XX/XXXX because BBVA Compass promised {$27.00} after 2 years. It has been more than 2 years. 

I had to pay the notary public {$15.00}. postage of {$0.00}. 

I want my money back {$1000.00}. I do not want the maturity date altered to XX/XX/XXXX. 

I want BBVA Compass to pay me {$1000.00} right now.
Consumer complaint received 2018-06-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (OH)

I paid our loan on time via automated phone system. Over a month passed when I started getting calls our payment was late. Spent two weeks being told I was fine but still getting collection calls. After a month of trying to figure out what was going on I was informed the phone payment did not go through as it was a bad account number. This was almost two months after we made the payment to finally get this information. I spent another few weeks calling and getting promises but no replies from GM Financial to correct late reporting issue. The last communication I had with them was they were reporting me 60 pass due and there was nothing they could do for me. I requested a manager call me and again was promised I would get a call back ... .after two more weeks and never getting a call back, I just made three payments. 

Do not consider the fact that it took them over a month to clear a payment and another month plus of confusion and no replies that I should get reported 60 day plus pass due.
Consumer complaint received 2018-02-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

XX/XX/XXXX, I sent XXXX XXXX a certified letter to cease and desist illegal credit inquiries on my credit report. I have never signed an application with this creditor. 
I have tried numerous times to email and leave voice message to stop with out any response. On XX/XX/XXXX I sent a certified letter to Experian to remove all 7 of these credit inquiries and they refused to remove the inquiries. After XXXX received my request there are 2 more inquiries. This is a violation of the Fair Credit Reporting Act, Section1681b ( c ) This unprofessional company has the nerve to have XXXX XXXX contact me after I requested that my name be removed from their database.
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (FL)

Ive had health insurance at the time most of these medical bills were collected towards debt. 


AmeriCollect ( XXXX ) * XX/XX/XXXX> XXXX XXXX XXXX- {$650.00} * XX/XX/XXXX> XXXX XXXX XXXX- {$430.00}
Consumer complaint received 2022-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

I called NelNet on XX/XX/27 to ask for a refund of payments made on my account during the pandemic per the CARES act law. Customer service told me they would submit a written request and I would see a check in the mail in 4-6 weeks. On XXXX I received and email from nelnet saying my refund was denied due to missing information and to email support or call for more information. I emailed them back and it came back as invalid and I noticed the email address they provided me was not spelled correctly. I fixed their spelling error and asked for more info, to which as of today, they have not replied. I called NelNet on XXXX for clarification and they told me they forgot to get verbal confirmation to reinstate my loans and would submit another request. I asked if that would start the process again. They said yes and that I wouldn't be notified if it was processed for another few weeks. She said this has been happening for a lot of people. NelNet seems to be purposely delaying getting people their refunds and have not been following the correct protocol in completing these requests.