davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I have an auto loan with Santander Consumer USA, and am going on the 8th and 9th year where I am still paying on this loan. In the time, I have been paying this car I did lose my job, found another job but I have upkept with my loan and it has never been repossessed. However, I find that the more I pay, the more I have left to go. I can never be done paying. As I pay the balance increases or stay the same, where all the money goes to miscellaneous fees? I do not know what they mean by miscellaneous fees. I need help investigating. I feel I have paid triple the amount the car is worth in this past 8 years I have been paying and I get run around answers when I ask about miscellaneous or all these extra fees. My mother has a loan with them as well and is on XXXX and her car has been repossessed because she has not been able to keep with all the late fee add up. At one point, XXXX charged {$35.00} a day for late fees. How is she or I ever to catch up? And when her car was repossessed at one point she was asked to pay an extra {$200.00} at the towing place to get her items that was in the car. I just feel XXXX is a thieving company and once they have you in their clutches you can never seem to pay them off. I would like to get an investigation into what they are doing to my mother and I please. I am just really tired and frustrated with XXXX.
Consumer complaint received 2015-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

2010 I modified a mortgage loan. Caught up XXXX payments w/ American General. They lowered my interest rate XXXX. After I got divorced, XXXX again I wanted to modify my loan thinking I could get a lower interest rate catching up XXXX payments. I got my signature notarized at my local bank and sent XXXX now Springleaf ) papers. Thinking they XXXX again lowered my interest rate cause my payments were lower. They had taken away seven years of payments and put it back to 20 years. I told them it was n't right and I did n't realize they took away 7 years of payments at XXXX a month and I 'd sue them. The next month Springleaf sold my Mortgage to XXXX.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently obtained a copy of my credit report and noticed some inaccurate information. XXXX XXXX XXXX is reporting a debt that I owe ( XXXX ) in the amount of {$250.00}. I have never had any accounts with this creditor and have made several attempts to clear the matter with the company. The company has not provided any proof that the debt is mine and refuses to correct the information on my credit reports.
Consumer complaint received 2017-02-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC (PA)

I took a loan from " Radiant Cash Loans '' for {$600.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$1300.00} and per Radiant Cash Loans customer service, I have an outstanding balance of {$460.00}, which means out of {$1300.00}, only {$130.00} has been applied to the principal amount. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than 6 % interest. 
On this loan, that would be the Principal : {$600.00} plus 6 % interest : {$36.00} Based on PA law, I have overpaid by {$750.00}. 
Also- I can not see my account balance, loan document or proof of payments on my " online account. '' I have had to request proof of payments and balance from customer service, which can take a long time. They say that their website is " undergoing maintenance. '' It has been like this for the life of the loan.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have tried to add Capital One credit card to XXXX XXXX as an authorized payment option but needed to verify before it could be added. I contacted Capital One and was told the only way to verify the card for use with XXXX XXXX was to download and install their own app. In my previous phone I added and authorized this card without adding their app. 

Capital One has no issue with accepting my payment on online and offer their own virtual card on their site. I don't want Capital One 's app on any of my devices and don't think I should be XXXX in adding it to my phone. I try to limit the amount of applications and programs to reduce my data collection and think I and other people should be able to add any credit card without adding unnecessary programs.
Consumer complaint received 2015-10-23
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX is showing they are a factoring company on an old debt which they are not as well as they are trying to show revolving account with past due monthly payments being missed which collection accounts can NOT do. Filed a complaint with the XXXX ombudsman as well with no luck. Illegal and shady practices by XXXX.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I sent Equifax a letter on XXXX XXXX 2016 certified mail proving that they did receive my letter. The purpose for sending the letter is because I see several things on my credit report that do n't belong to me. I sent Equifax supporting documents including a police report of the identity theft incident. Euifax never responded.
Consumer complaint received 2016-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CA)

I am in receipt of your clearly mass produced computer generated " claim '' stating I owe " debt '' your company. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. 

Please be advised that your records are not correct and that I have proof that not only is my account current, but XXXX or in this case now your company owes me money for around $ 300+/ Furthermore, I am a XXXX and unemployable XXXX XXXX. ( Attached Burden Of Proof ) XXXX United States XXXX XXXX Veteran ( XXXX XXXX ) Accordingly, I can prove to a judge that I was never late and that these late marks meet the guidelines for removal. 

Please be advised that your records are not correct and that I have proof that not only is my account current, but XXXX or in this case now your company owes me money for around $ XXXX I do have a council that will be representing me should you decide to continue to break the law and my rights. I have also been told that under the FDCPA/FCRA I am entitled to {$1000.00} per violation in statutory damages plus attorney fees. 

I do not wish to litigate, but the damage has been done, and if I have to I will. Please communicate by mail only. No phone calls. 

I have cc 'd My attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

Received letter from Wells Fargo Card services dated XX/XX/2017 stating Subject : Your balance transfer request in amount of {$1500.00} has been processed and transferred to your designated deposit account.I received this letter on XX/XX/2017.I received a phone call from Wells fargo representative on XX/XX/2017 asking me if I was familiar with a credit card ending in XXXX.I answered No.Rep.Do you have any credit cards ending in XXXX.I checked my cards but none of them had that number I said.Why do you ask? Well, it appears that someone deposited {$1500.00} into your checking account.and we are trying to find out who the card belongs to! It is possible that it could have been hacked from outside the country.I said if you have the last four numbers then you must have the other 12 numbers & the security number on the back in order for the transaction to be successful.right? yes but we are contineuing our investigation of the matter.OK, let me know what you find out but I never heard of someone depositing money into an account, its usually the other way around.what should we do in regards to this credit card ending in XXXX? Rep : I would suggest you close that account.OK can you do that or should I call someone else to handle that? No, I can close that account for you and order a replacement card also for you.OK, we better do that then.Rep : will it be inconvenient while you wait for a new card which should arrive within 7 to 10 days? I said no problem at all.Will This closing effect my credit rating? No not at all.Then I understand that you did not make a balance transfer? I answered no and if I wanted to it would be with one of your balance transfer checks that always are in your billings, ect.in person at your bank.Do you have a balance transfer check from me that I signed & deposited with your bank? No, we do not have any paperwork at all.Now, two weeks later on XX/XX/2017 I receive credit card bill for {$1500.00} in mail but not with card XXXX but rather the new card No : ending inXXXX.even though the bank Rep : indicates an incident took place illegally causing the closing & opening of a new card for number forthat reason.The billing also indicates in purchases section '' Ballance transfer with card numbersXXXX including all 16 numbers dated XX/XX/2017 for XXXXwhich was a previous payment made onXX/XX/2017. & then added to the {$1500.00} billing.If you would ask For copy of resolution letter sent to me from Wells Fargo Card services dated XX/XX/2017 from their credit card fraud claims dept.you will see why I am requesting your assistance in this matter.Thank you kindly in advance.My phone No:XXXX if you need more information.My credit rating is great and I am worried this could cause me a negative rating as I am almost XXXX.Never experienced anything like this with any bank or credit card Company.
Consumer complaint received 2015-05-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

My mortgage was moved to Seterus in XXXX 2014. I am currently in a chapter XXXX bankruptcy that will be paid off in XXXX. I have filled out paperwork with my attorney 's approval so I may talk about information regarding my loan and sent it twice to the address I was notified by Seterus. My attorney also faxed the information twice to the phone number Seterus instructed twice. When I call about my loan, I am told this information has never been received. I am angry that my rights to my mortgage have been violated. I see several mistakes on the Seterus periodic loan notice but can do nothing to dispute this information. Furthermore, Seterus sends any information to my attorney annd I have yet to get a statement from Seterus. I want my account updated so I may have access to dispute any problems. I also am requesting an audit of my loan as I see there are mistakes on my loan. If you do not handle the auditing procedures, I appreciate any referrals you can provide. I want to thank you in advance for your help in this matter. Sincerely yours, XXXX XXXX
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery associates at XXXX XXXX XXXX, XXXX VA XXXX Has sending me collection notices in the amount of 2600.The collocation has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: CORELOGIC INC (TX)

I HAVE SENT XXXX REQUEST FOR A FULL FILE DISCLOSURE TO CORE-LOGIC/CREDCO AND EACH OF ITS SUBSIDIARIES AND PARENT COMPANIES, REQUESTING A FREEZE DUE TO THE IDENTITY THEFT ALONG WITH A PLETHORA OF LAW ENFORCEMENT REPORTS. TO ABSOLUTELY NO AVAIL. THIS IS ABSURD AND NEEDS TO BE CORRECTED IMMEDIATELY AS ITS A VIOLATION OF THE FCRA AND FACTA AMENDMENTS GOVERNING RED FLAGS AND ID THEFT
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

XXXX tax liens are incorrect and reporting with Equifax. I have searched my name under Georgia XXXX XXXX XXXX site under deliquent taxes and results list " no date found '', at the following Georgia XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-04-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2016-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (MO)

I have a personal loan with Tower Loan of XXXX XXXX, MO. It has been a nightmare since. Not only were there harassing calls on my cell phone by a woman who used threats, and very aggressive tone, but it was all because of a mistake on their end because they had my name spelled incorrectly and were not allocating the payments right. payments were being made monthly. I would get an apology, then the next day more aggressive voice mails because she " forgot '' about our conversations. 
Now, a year later, i have changed jobs, one reason being is the harassing phone calls at work. They would have me paged over an intercom system that is used across the entire facilities campus, but if they could not contact me, they asked for my manager. I was called into his office, where at the time i was working on a promotion and was verbally warned about receiving personal calls at work. This was after several times of telling this company they can not contact me at work. 
After that verbal warning, my promotion that i had been working on all year was a shot in the dark. The level of credibility and professionalism was lost between myself and my manager. 
I then decided i need to move on from that company, i had been embarrassed. 
I have been working at my new place of employment ( career move with promotion ) for only 2 months. XXXX. 
There was a lapse of approx 2 months without a payment due to the job change and time between paychecks. 
I received a surprising call from Tower Loan on my work number while sitting with my new manager doing systems training. I dont even know how they got it. im not hiding from them, but i had not put it out there either. i am not only in another city but another state. At that time i told Tower Loan that i am NOT ALLOWED TO RECEIVE PERSONAL CALLS AT WORK. i went into the office, caught up on payments ( XXXX thats 3 payments ) and it has only been a few weeks and i have now received 6 calls on my cell phone and 2 calls on my work phone! 
I have already discussed options to have this loan transferred to another branch, but their business practices need to be brought to your attention. They also have an assumption that i owe double what i do, but they can not prove it, he just says ... my computers math cant be wrong, but will not show it to me. 
This is absolutely unacceptable and i wish i never accepted their loan. i was not even that desperate at the time, it was to pay off a medical bill who were not even harassing me.
Consumer complaint received 2016-06-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have been making extra to our principal to our Ocwen loan but the payments are not being applied to principal but to a suspense account. The payments are being applied at a later but not back dated to when the payment was received. Our loan is equity loan and the interest is calculated daily based on the balance. The interest balance is higher to due to improper posting of our payments. On XXXX XXXX, 2016, I sent Ocwen letting them know I was disputing the outstanding loan balance and missed applied payments. As of the date of this letter, I have yet to receive a response from Ocwen regarding my XXXX XXXX, 2016 letter. In addition our interest rate has gone up twice with no notice.
Consumer complaint received 2016-11-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I Made all payments to Bank Of America 8 Years Ago And they are Refusing to remove me from XXXX and XXXX A System that want allow you to open any bank accounts they have lied to me over and over stating once its paid they will remove me from these system and have not done Can some one please help me.
Consumer complaint received 2019-02-23
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

I'M A VICTIM OF FRAUD AND IM REACHING OUT TO HELP ME IN EXPEDITING THIS MATTER WITH THE CREDITORS AND THE CREDIT BREAUS. HERES THE LIST OF ACCOUNTS ACCOUNTS -XXXX XXXX XXXX {$300.00} -TOYOTA XXXX XXXX XXXX  - {$8600.00} XXXX - {$8600.00} XXXX XXXX - {$1700.00} XXXX XXXX -XXXX XXXX XXXX - {$540.00} -XXXX XXXX {$320.00} -XXXX XXXX XXXX - {$320.00} -XXXX XXXX XXXX XXXX {$210.00} XXXX OF XXXX
Consumer complaint received 2019-02-23
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: EOS Holdings, Inc. (NY)

I'M A VICTIM OF FRAUD AND IM REACHING OUT TO HELP ME IN EXPEDITING THIS MATTER WITH THE CREDITORS AND THE CREDIT BREAUS. HERES THE LIST OF ACCOUNTS ACCOUNTS -XXXX XXXX - {$300.00} XXXX XXXX XXXXXXXX XXXX - {$8600.00} XXXX - {$8600.00} XXXX XXXX - {$1700.00} XXXX XXXX -XXXX XXXX XXXX - {$540.00} -XXXX XXXX {$320.00} -XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX  XXXX {$210.00} -XXXX XXXX XXXX
Consumer complaint received 2017-03-16
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I purchased a MoneyGram Money Order for {$400.00} on XX/XX/2017 at an XXXX in XXXX, ny to pay part of my Mortage for that month. I filled it out completely to XXXX XXXX INC. XXXX XXXX XXXX, NY XXXX, c/o XXXX. 
I mailed it in the XXXX mail box on XXXX between Springer ave and XXXX on XX/XX/2017.I called the mangers office on XX/XX/2017 to make sure it was received. 
I spoke the manger he said it was n't received, I then called money gram to see what happened to the money order they took the money order number and the amount to check it and told me it was cashed. Now I had to pay {$24.00} for a photo copy of the money order. I went to a money gram in cvs and paid for the photocopy in 2 days I received the photo copy of the money order which was altered by the person whom stole the money. It was clear as day this money order was altered money gram has money orders if altered must not cash you can see on the photocopy it was altered and it was n't signed on the back to cash. The money order was made out to XXXX for XXXX the address used is XXXX XXXX. The money order has the Bank named as XXXX XXXX MN No ZIP CODE I can see this Money Order was altered why ca n't Money Gram investigate this to give me back my money. I filed a Police report with the XXXX Police Department 2nd PRECINCT but they 'll not even doing their job Investigating officer # XXXX my complaint # XXXX I gave the officer all the documents he asked for to no avail I 'm still have no help in this matter. I call the police they said it nothing they can do, because No one wrote up the report, Lazy Officers!!!! That 's not right I was robbed of this {$400.00} it sure be investigated I need my money back. That 's why I pay taxes so they can do their jobs .I feel they have robbed me as well!!!
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

THIS COMPANY IS WRONGFULLY MESSING UP MY CREDIT I WANT IT DELETED IT IS OVER 7 YRS OLD STATUE OF LIMITATATIONS HAS EXCEEDED PLS REVIEW AND DELETE IT OFF OF MY CREDIT REPORT WITH YOUR COMPANY IT IS ALREADY OFF OF XXXX AND XXXX THANK YOU