davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2017-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (FL)

I have been authorized by my mother to file this complaint, because she does not know how to use a computer. My XXXX year old mother purchased a XXXX XXXX XXXX vehicle XXXX from a local dealer, the interest charged on the loan is 20.45 %, the car cost {$12000.00} the finance charge on the car is {$9100.00}. My mother was not aware of how much this car cost, she was paying on the car until I requested the contract to see why after 3 years her payoff for the vehicle is {$10000.00} and the car is only worth {$3400.00}. I spoke with the car dealership because there was a {$2400.00} charge for SGuard plan which she never received information on and this charged was include with the cost of the vehicle. I am finally this complaint against this company Santander Consumer USA why did this company charge such a high rate and if her credit was bad at XXXX years old, why did they advise her they could not do this loan. I check on line regarding this company, they have a high rate of repossessions in Florida. I truly believe they need to be investigated for Predatory Lending Practices.
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (NY)

I have been with KEY BANK for some time. I have review my Check Account and figures has been arrange for me to receive multiple overdraft fee for withdrawal which was pending but subtracted from account. I have receive 5 over draft fee in one week from the bank not withdrawn fund on time. It seem they are holding fund in order to process the over draft fee. I can submit a full print out on how the bill withdrawn overdraft fee. the system is always updating and not showing the correct information online. I receive a overdraft fee from the OVERDRAFT FEE they applied ( example XX/XX/19 acct was at a XXXX by the next day it was {$38.00} over draft fee applied XX/XX/19 another overdraft fee of {$38.00} ). I would like for this complain to go to the highest source regarding key bank. Online banking is currently down ( no figure ) for me to show how these account are being arrange.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

On XX/XX/2019, imitated a dispute due to a significant flight change covered under airlines schedule irregularities policy allowing for a full refund if time change of greater than 60 minutes, which flight qualified for. Travel agent ( merchant )  would not provide refund, so I imitated a charge back. 

On XX/XX/2019, I logged into my credit card account to see the disputed amount had been re-applied to my account. I attempted to obtain the merchant 's response but the file type was not a .pdf format so I was not able to see the reason why merchant claimed I did not qualify for refund. I made multiple attempts to obtain the document from my credit card company, but never received it within the 48 hour timeline that was said to be the time frame for receipt of same. 

Despite this, I provided multiple documents to credit card company on XX/XX/2019, sent via email to XXXX. I subsequently followed up on XX/XX/XXXX via chat to confirm receipt of these documents and chat agent confirmed they were received. 

On XX/XX/2019, I called to inquire on the status of the dispute and while the representative investigated, I was hung up on. 

On XX/XX/2019, I again called to inquire on status of the dispute, at which time, agent informed me that she could not see the documents I originally sent on XX/XX/2019, and asked me to re-send these, which I did to XXXX To date, I have not received any updates or notification on the status of my dispute, nor have I received the credit which is due to me based on the documents provided to credit card company.
Consumer complaint received 2019-11-01
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: BARCLAYS BANK DELAWARE (UT)

" NEW ISSUE '' I have attached the current police report. Barclay has failed to remove fraudulent balances on my credit reports. The remaining balances need to be cleared from my name as I did not authorize the remaining charges. My cards were used and stolen without my consent. I again have spoken to another Detective as the creditors are willfully breaking the law. He informed to continuing seeking their cooperation in this matter. His information is attached as he stated he can be contacted. 

Det. XXXX XXXX XXXX XXXX XXXX Police Department Financial Crimes XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX XXXX
Consumer complaint received 2016-10-27
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

The account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as XX/XX/XXXX. This account has been delinquent since XX/XX/XXXX. The account has never been brought current. 
Line Item : XXXX XXXX XXXX XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Line Item : XXXX XXXX XXXX, XXXX LLC. Attn : Research Dept., XXXX XXXX XXXX XXXX XXXX FL XXXX I have disputed this information several times with the disputes department at XXXX and XXXX XXXX XXXX. The information will be corrected and then re-aged again. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from Bank of American ( original loan holder ) with the clear first date of Date of First Delinquency as XX/XX/XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XX/XX/XXXX ( XXXX behind in payments ), making it currently 8 years old. This account has continuously been sold and resold. Country Wide Home loan XXXX BOA XXXX XXXX XXXX ; XXXX XXXX XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.
Consumer complaint received 2020-07-25
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: OneMain Finance Corporation (CA)

I have contacted Springleaf financial who is now OneMain financial regarding removing a 30 day late in XX/XX/2014 ( their error ). I did not receive mail for several month regarding this loan around the time of the late. I have reached out to them several times regarding removing this 30 day and they continuously do not respond to my attempt.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) inadvertently and without notification to its Leasing/Financing customers reduced the Limit of the loan on the consumers credit report. For example if your initial loan or lease was XXXX it is now XXXX. This negatively affects consumers credit because it reduces the amount of credit limits given to customers on the algorithms the bureaus use to calculate the credit scoring for the Credit Reporting Bureaus and reduced the amount of available credit negatively affecting the credit scoring. As per XXXX, they did this to correct industry standards, yet they did not update the amount owed to remove taxes that are included in leasing financing, which in all fairness should have been done since this would have cancelled out the negative effect of what they did. Instead, only, the available limit was negatively affected which in turn negatively affected ALL of XXXX customers negatively. This is a violation of the Fair Credit Reporting Act and Acura/Honda should be held accountable for negatively affecting consumers credit by implementing a Corporate Decision across the board.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX {$68.00} not mine XXXX {$16000.00} not mine XXXX   XXXX XXXX XXXX {$1200.00} not mine
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-10-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

Hello, and I hope all is well. While reviewing the credit profile to Experian/XX/XX/XXXX/XX/XX/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Since XX/XX/XXXX I have been trying to get a letter stating a mortgage was charged off in XXXX. I have a referee deed and a lien release. It shows in their system but they say that isnt accurate even though their system shows a lien release. They cant find my account in their system because it is an old account in their old system.So they transfer me to other departments who say no the letter was approved and you will get it in XXXX hours. Its been XXXX months I have XXXX different case numbers. I just need a letter with my account number stating that the account has been closed. It is an constant back and forth I have been to every department and not XXXX person can do anything to help. Every different representative gives a different story. I have sent in written requests I have called every number I have spoken to every department I get different information from every department. I have spoken to managers and supervisors and they never return phone calls.
Consumer complaint received 2020-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Erin Capital Management, LLC (NY)

To whom it may concern In XXXX i moved to XXXX from US. Beetween XXXX I live in XXXX. I only came to US for vacation. And i didnt receive any document from collector or Court. Our bank account was frozen on XX/XX/XXXX. ( with my husband ) My husband called the XXXX and XXXX company. The company emailed us a paper to release the account. And they never told us that we could defend ourselves. I signed the paper on the XXXX of the month and approved it from the notary. I sent the company by email. Our accounts were released at XX/XX/XXXX and {$6700.00} was withdrawn from my account for debt. On the XXXX of the XXXX, I received letters from the company and my bank separately. It is written in 2 separate letters that I can appeal. These letters were mailed to me on XX/XX/XXXX, when they guaranteed to get the money from me. 
The letters also say that if " my income is unemployment benefit '' they can not withdraw money. Even so, they withdrew the money. XX/XX/XXXX I went to the court concerned to vacated a judgment. XX/XX/XXXX was the result, Judge declined. Because my prove is to complicated. I will do clearly with my old passport. As a reason, I wrote that I was not in the US at the time, on the court date, and that my unemployment benefit was confiscated. Despite this, I was rejected. 
I complain about this company because they didn't tell me about my defense rights. What can I do legally, please help me.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (NV)

In 2017, I receieved an email from the company that stated back in 2017 that my balance was reduced due to a settlement with the State of Virginia. I paid the account in full right after that. I just applied for a loan which was declined due to a charged off account.
Consumer complaint received 2019-10-30
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)

Filed a dispute with the three credit reporting agencies, XXXX, XXXX, and Experian. I disputed information contained in my report. The information is from XXXX a collection company phone is XXXX. This collection account is on two reports. XXXX and Experian.. Its not on XXXX. I called the creditor and they said I had to call the credit agency to get them to remove the item from my report. The dispute results came back without it being removed. It is being reported as if its a current collection account and it is not. Last date reported was XX/XX/19 on Experian and XX/XX/19 on XXXX. This is damaging my score and hindering me from getting the credit I am seeking to obtain. Also there is a " DISMISSED '' Chapter XXXX case number XXXX on all three reports and it has been 6 years. I am not understaning why a " DISMISSED '' bankruptcy is still on my reports. I did refile the chapter XXXX and it has a different case number. That XXXX is " DISCHARGED '' so I understand why it is there. But not the " DISMISSED '' one. Why is the law allowing this if at all. I have disputed this called the agencies to no avail to get these items removed from my credit report. I need your assistance please. Thank you.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

On XX/XX/2017 One Main Financial placed an credit inquiry on my XXXX credit report. I have never applied with One Main Financial. I am requesting a copy of an authorization giving them permission to view my credit report with this agency or any other agency on XX/XX/2017.
Consumer complaint received 2020-05-21
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. (FL)

I have been getting the same response over and over again. I have been sending proof of who i am for two years now. social security card, photo ID, Photos of my passport. and Experian continue to neglect my request to have the items on my credit investigation. This is an on going issue. Experian refuse to investigate, Experian mention in its response that ( FCRA - Fair Credit Reporting Act is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. The law is intended to protect consumers from misinformation being used against them ) .What experian is doing is a complete violation of this law that is set up to protect me as a consumer. Once i submit this feed back experian will say this is not me and then lie about something else. Experian continue to manipulate the system. I will be taking legal action to get this issue resolved
Consumer complaint received 2019-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

In XX/XX/XXXX CMS Carrington Mortgage forces placed insurance, for {$2000.00}. I already had insurance, l paid every year HOC in my condominium which include flood, hazards, and wind insurance, l called insurance department in their office and they mention to fixed, CMS, never intended they overcharged a row an result of an extra payment that put me behind in the loan, my credit was ruin l wrote letters, no success, finally Carrington send me to foreclosure with lawyer fees, on top, l was on XXXX XXXX. Im XXXX XXXX XXXX XXXX on my own, l paid the overcharges to lawyers fees etc. to avoid foreclosure, and wrote letters about the errors requesting moneys back, l didnt received answers about errors, l was not behind .and l paid almost 5,000 dollars to carrington , they never paid me back, or intended to resolved the negligence, In XX/XX/XXXX, Carrington started the same forceplace insurances, l wrote letters, credit ruin again XX/XX/XXXX, l continued making my payments on time they claim l was behind for the forced place insurance overcharges in scrow , XX/XX/XXXX, CMS , still continue errors, not wanting to fixed overcharges, XX/XX/XXXX l was in Disaster Area, due to Huracan in Florida , CMS really create Confusion to the loan, l had made may payments on Time, l have proved XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after huracan they overcharges and send me to foreclosure, in XX/XX/XXXX. Not allowing me to reinstate my loan due to the errors they have created. I hired A lawyer to avoid foreclosure and resolved the issue, CMS is not Cooperating to resolved their errors. Im spending 1 1/2 year to resolved situation. And paying lawyer instead of paying my loan, the money is for lawyer fees to avoid foreclosure. This is wrong doing, CMS has 2 class action suit agains them, l was not notify of any, l havent been compensated of any negligence .l founded on the internet. I will like to resolved this matter soon. Is affecting my personal life and health, CMS negligences, I will like to know what is to do next sue this company.?, l need to come back current on the mortgage and they are not resolving, since XX/XX/XXXX, CMS, has taking advantage of this loan and myself as a costumer.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OK)

I had mortgaged XXXX properties in XXXX separately. Several years later OCWEN LOAN SERVICING , LLC became the loan servicing company for both mortgages via XXXX different previous loan servicing companies. 1 ). One company Litton, the previous lender to XXXX present Ocwen loan, did modify my mortgage but I later learned the document I signed added {$40000.00} to my principle in order for that company, Litton, to modify the loan. This property had been owned by several other companies before Litton owned it. This was very unethical for Litton to do I feel. I was able to get the monthly loan amount decreased over time and retain the property before the loan was sold to Ocwen. Before the modification I had paid approximately XXXX years worth of payments on time before my financial difficulties developed. Ocwen phone agents have been rude, do not all give me the same consistent information when I call, typically refuse to allow me to speak with a supervisor to resolve my inquiries or just plain hang up on me or place me on indefinite telephone holds. 2 ). Ocwen would report me as late within XXXX days after the month I was late with payments up to XXXX days when I was experiencing financial difficulties. Now that my payment have been paid within the current month due, since XXXX XXXX on both loans, Ocwen can not report my payments paid since the last XXXX ( XXXX ) months. All XXXX credits agencies show me paid thru XXXX XXXX. This has the effect of keeping me from seeking possible refinancing should I want to do so. This is just wrong. Ocwen phone agents have stated Ocwen is not responsible that the credit agencies are responsible. When I submitted inquiries to the XXXX credit agencies the replies were the credit agencies report as soon as the reporting companies give them the information. If Ocwen could report within XXXX days after I was late for over XXXX days Ocwen can report in a timely manner when I have paid on time. All other of my creditors report my payments no later than XXXX days after the payments have been submitted. 3 ). Ocwen is and has been adding indiscriminately late fees to my account since servicing the loan. There are fees that I believe are incorrect and fees I have no idea why I am being charged for them. 4 ). I also have had refunds due me for balances on forced placed insurance after I secured insurance for my home. Thank you for reviewing my complaints.