davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (MD)

i had bad credit reason child support outstanding {$5100.00}, XXXX phone bill outstanding {$1000.00}, XXXX credit card outstanding {$2000.00}, XXXX  electric bill outstanding {$2500.00} federal tax lien XXXXoutstanding balance $ XXXX XXXX  federal tax lien {$30000.00} my drivers licensed # XXXX still suspended in XXXX XXXX XXXX XXXX and XXXX dl # XXXX suspended nationwide santander consumer usa could not approved a retail installment sale contract no dealer number no contract number wrong address of buyer XXXX correct XXXX XXXX XXXX XXXX XXXX XXXX md XXXX wrong name of seller XXXX if XXXX XXXX XXXX forfeited business licensed. contract federal truth-in-lending disclosures annual rate 17.07 % with credit score XXXX at XXXX years old. finance amount {$10000.00} vehicle price {$10000.00} vehicle amount finance {$19000.00} total of payments {$30000.00} total sale price {$33000.00} monthly {$410.00} beginning baby boy XXXX stolen at XXXX from southern maryland hospital in XXXX md on oXX/XX/XXXX1978 child is still missing invalid contract block print XXXX of XXXX XXXX XXXX no seller signature by no name or signature or title law form no. XXXX santander in default of {$19000.00}, pay off {$18000.00} conduct the fbi
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX originally serviced XXXX XXXX, i purchased a bed on a promotional plan last year in XX/XX/XXXX, i was told by XXXX that as long as my promotional balance was paid by XX/XX/XXXX i would not be charged any interest. shortly after charging at XXXX XXXX thru XXXX XXXX, XXXX XXXX went with capital one as their servicer. i learned today that captial one is not honoring the agreement i entered with XXXX XXXX XXXX and my payments will be applied to the highest interest rate as opposed to my promotional balance. i definitely need help as i spoke to a supervisor name XXXX id number XXXX on XX/XX/XXXX and she stated she was the highest that i could go and managers do not speak to customers. i paid {$320.00} several days ago and need it applied to my promotional
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (TN)

Suntrust Mortgage provides a horrible level of customer service. My mortgage loan was sold to Suntrust through no choice of my own. I have been trying to make an online account for almost two weeks, since THEY ( Suntrust ) changed their website, and my old login no longer works. When I try to create the new account, I receive an error message stating, This service is temporarily unavailable. Two weeks is more than temporarily. When I try to call, I am consistently on hold for OVER FORTY MINUTES!! The main reason for my call is that my autodraft amount has changed against my will. I have previously requested that an extra amount be drafted each month. This extra amount has not been drafted since Suntrust has changed their system/website. This change is going to cost me more over the life of my loan, through no fault of my own. In the past, Suntrust has also erroneously reported on my credit report. If anyone reading this has any choice in the matter, DO NOT ALLOW SUNTRUST TO SERVICE YOUR MORTGAGE LOAN. I wish my loan could be transferred to another servicer, and that these inadequate service levels would not be tolerated in the industry.
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NC)

XXXX XXXX XXXX XXXX is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have never received validation that the debt owed is my debt. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed within their state. XXXX XXXX XXXX XXXX is not licensed or registered with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately.
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IA)

Date of Identifiable event XX/XX/XXXX - Synchrony Bank of XXXX, FL stated I had a credit card debt of {$12000.00}. I have never done business with that bank ever. I have never received any letters or bills from this bank before. GE Capital owns Synchrony Bank since XXXX. I have never had a credit or and business dealings with GE Capital either. The Loan # listed is 16 digit like a credit card. It does not match any credit cards I have ever had. Synchrony Bank discharged/cancelled the debt of {$12000.00} and sent me a 1099-C form and stated I was personally liable for this debt.
Consumer complaint received 2018-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

I submitted this complaint once before and this company still does not apply payments correctly ( principal only ). They need to fix this as well as bring my due date current. I have a student loan with Navient and my company started to make extra payment as a benefit with my employment. I am still making my regular payment every month but the extra payment that my company makes gets applied to the next available payment instead to principal only. The payment comes with instruction to apply to principal only but Navient does not do this. I called and they said it is not there policy to do that when a payment comes in. I believe they should apply as directed so that my loan gets paid off faster. Thanks.
Consumer complaint received 2018-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (PA)

We received our real estate taxes in the mail over a month ago. We called US Bank and they told us to fax it over, they will pay it out of our escrow account. This morning we received A Notice of Intent to File Tax Claim against us because our mortgage company to this date still has not paid like they promised.
Consumer complaint received 2018-03-25
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: JPMORGAN CHASE & CO. (CA)

Received a credit alert regarding an inquiry on XX/XX/2018 from Chase Card. I did not apply for a credit card or no other type card, I only attempted set up XXXX with XXXX.

The transaction was unsuccessful because the recipient who has XXXX does not offer XXXX   through XXXX only XXXX.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NC)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2018-03-25
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. (OH)

This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. 
I am not affiliated with the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX , XXXX, OH   XXXX-XXXX XXXX XXXX XXXX XXXX , XXXX, GA XXXX-XXXX XXXX XXXX XXXX XXXX  , XXXX, GA XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2018-03-25
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: AMERICAN EXPRESS COMPANY (SC)

On XX/XX/2018, XXXX XXXX XXXX XXXX pulled my Credit without my knowledge of it going against my credit as an affect against my score. I didnt know opening a account would affect my credit
Consumer complaint received 2017-12-27
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: Experian Information Solutions Inc. (CA)

I ordered a XXXX Internet service, but XXXX did not get the service setup - indeed I have attached a voicemail message from a XXXX representative where he states that the service was not setup, however XXXX proceeded to bill me for the service that never was setup and never provided. I have several times reported this both to XXXX and to the debt collector that XXXX gave this over to - all to no avail as they just say their records show I received the service. The fact is they could not setup and provide the connection to my home and acknowledged this in the attached voice message left on my phone answering machine ; however, XXXX continued to bill me for what never got installed. I sought internet service and they threw in a phone line as a special addon offer, but I never received any of these. Indeed, after a year of disputing and getting their acknowledgement that they in fact never sent me the box with their modem that was part of the original order, they then, one year later without my knowledge, sent the the useless box with modem that could not be used because they had never completed the line setup to my house and the service obviously was not setup even then. For many years I have tried to straighten this out but my credit has been lowered due to their false claim on my credit showing " XXXX XXXX XXXX '' for " XXXX '' as a bad, unpaid debt on Experian, XXXX and XXXX  all to my damage. Even with my proof ( see voicemail from their rep attached ) it never was installed, they insist their records say otherwise. These arrogant companies deserve to be fined severely and pay for the damages they cause!
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2018-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

XXXX / SYNCHRONY BANK has started charging me a new fee called a card security fee. I did not authorize this fee and when I tried contacting them, they did not help me by canceling the fee. It is my understanding that this is some kind of payment protection. I don't want it. I didn't authorize it and I don't understand why they added this " benefit '' without my authorization. I want this fee taken off my account and the money they have already collected from me for this fee refunded.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the reporting of credit utilization by XXXX - XXXX  on my [ Experian, XXXX, or XXXX ] consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. 

Upon reviewing my consumer report, I noticed that the line of credit I have with XXXX - XXXX, specifically account number XXXX - XXXX, is characterized as utilization. This reporting is illegal as it contravenes the stipulations of 15 USC 1681a 2 ( A ) ( i ), which clearly states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

In my case, the utilization reported is an experience between myself and XXXX - XXXX. According to the law, such transactions or experiences should not be included in my consumer report. By reporting this utilization, XXXX - XXXX has violated the FCRA 15 USC 1681a 2Ai. 

I have previously reached out to XXXX - XXXX  regarding this matter, but they have refused to comply with the penal codes stated by Congress in accordance with consumer law. Therefore, I am demanding that XXXX - XXXX  update my utilization to 5 % or below or delete all utilization from the aforementioned account within 10 calendar days of this notice. 

Failure to satisfactorily respond with the deletion of the above utilization will compel me to take legal actions against XXXX - XXXX. I will be seeking remedies for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Violations of the Fair Credit Reporting Act 15 USC 1681, specifically for willful noncompliance as outlined in 616 [ 15 U.S.C. 1681n ]. 
Furthermore, any attempt to close this account in response to my demand for the removal of the utilization from my credit report will be considered an adverse action in violation of 15 USC section 1691. 

I expect prompt action to correct these inaccuracies in my consumer report. Additionally, I request written confirmation of your compliance with this request and a revised copy of my credit report post the deletion or correction of the disputed information. 

Thank you for your attention to this urgent matter. Please feel free to contact me for any further information or clarification needed.
Consumer complaint received 2017-12-27
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. (IL)

TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer Please see items below INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MD)

In XX/XX/XXXX my car was stolen and crashed. It was deemed a total loss. My insurance company at the time XXXX ; paid a full amount to Ally in what they thought the car was worth. At that time I begin my XXXX claim to pay the remaining balance. I called ally to request documents such as loan contract, loan balance, payment history, etc. An ally representative informed me that I was not to start my XXXX claim that ally would and they would have to speak with XXXX to negotiate settlement. Ally settled an entire {$500.00} less that I settled for but since XXXX already settled a certain amount with me, they honored our agreement and sent on XX/XX/XXXX the extra {$500.00} to ally. Last week XX/XX/XXXX, I contacted XXXX  and they said they were sending almost {$4000.00} ( {$3700.00} ) to be exact to cover the remaining balance of my car. On XX/XX/XXXX I  noticed that my credit bureau had not been updated and that Ally continues to report a late payment. I called Ally who informed me that the remaining balance was {$1400.00} and some change and that included interest that continued to accrue since XX/XX/XXXX even though Ally has been " helping me '' with this issue. Also, that ally reversed the {$500.00} payment that was extra and sent from XXXX. So we conference call the XXXX adjuster and what do we find that the {$500.00} check was processed from XXXX XXXX in XX/XX/XXXX. Therefore, there was no way they reversed the amount on XX/XX/XXXX. The end result of my call was that ally was going to have " someone '' call me back!! I will wait until tomorrow and at which time I will be calling ALLY back and will demand to speak to someone asap!! How are you still accruing interest on account you are actively helping settle and how do you lose {$500.00}.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I'm trying to refi or access my equity and I'm being denied because the credit bureau has XXXX installment loans I have for a sewer pipe listed under mortgage or real estate loans. They company says they do not have liens on my mortgage yet that's how it looks. It also looks like my mortgage was late but I have never been late on my Mortgage. I was late on installment loans in XX/XX/2023 but caught up in XXXX. I'm struggling here trying to these all up to date but the credit bureaus and specifically this error is affecting my chances. Please help.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I submitted complaint number XXXX. The company has never called me to resolve this, however when I called in they state they did everything correctly. That is just ridiculous as between XXXX and Nationstar they reported to the XXXX  that I received interest on my escrow account in the amount of {$64.00}, when in reality, Nationstar mis-stated the amount THEY paid by including what XXXX paid when the loan was transferred. I only made {$35.00} in interest. Now I must file my taxes for 2020 and the return will give the impression I received more interest income than I actually did. This is easy to understand, Nationstar is just too stupid to understand it.
Consumer complaint received 2017-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (KS)

My First Issue : I pulled my credit and found this collection on all three credit reports. I have never received any paperwork or a call, from this company, nor do I know what this collection is for. I tried to call the number on my credit and I get voicemail. The account shows the original creditor is for XXXX XXXX XXXX. I have state insurance for my girls and XXXX XXXX/ XXXX XXXX, So I would have never received a bill from this original for anywhere near this amount. I would have like to be billed properly and have a chance to dispute any amount claimed that I owe. 

My Second Issue : This collection company is reporting differently on all three credit reports. For example : on my XXXX, the name of the company or what the account is for does n't come up. It states that is a collection for XXXX. On XXXX XXXX, it reports a completely different company with the same account number and address as on XXXX. On XXXX, is shows the full account. I 'm about to purchase a home, and the mortgage company wants to know why it shows three different companies have the same collection. Because of this incorrect reporting by the collection company, I show that I owe a total of XXXX in collections not the XXXX. I want all of the accounts removed off my credit reports.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Fair Credit Reporting Act, Section 609 XX/XX/year> Subject : Fair Credit Reporting Act, Section 609 Dear XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the account with the original contract, the information should be removed from my credit report within 30 days MAX.