davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello officer, I was charged by insurance company for Home owner insurance by accident for XXXX XXXX. 

I have filed the dispute with Bank of America. At the same time, I've solved the issue with XXXX Insurance company, which confirmed to refund the charge and sent the official Email. Unfortunately this case doesn't close even went through over two weeks after all evidencess. I feel upset that BOA didn't proceed any refund after I've reached out with BOA customer service. The amount is still in my account, which is impacting my credit history.
Consumer complaint received 2019-02-26
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: ONLINE Information Services, Inc. (NJ)

I submitted a verification letter to Online Information Services and received a screenshot of a statement. I informed the collection agency ( OIS ) that the account does not belong to me because I never resided on the street they have attached to the statement. I then disputed the inaccuracy and violation I found aside from the address ; dates of last activity not matching the other two credit bureaus with the three credit bureaus. XXXX  and XXXX removed the said inaccuracy/ violation however XXXX started that OIS said to keep it on my credit report because they said it is accuracy. I also requested to see the document OIS submitted and they confirmed it's the same one they sent me. After speaking with three individuals from XXXX ; XXXX, XXXX ( Supervisor ) & XXXX I was told to contact OIS and see if they can remove it.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (IL)

I just saw the news that Credit Karma will be paying {$3.00} XXXX to users target with false preapproved offers. The article cited the time period as " at least between XX/XX/XXXX and XX/XX/XXXX. '' I wanted to report that I had this issue in early XXXX, probably around XXXX. I had just moved, and just had an expensive emergency room visit. They were advertising that I was pre-approved for a credit card as part of a debt consolidation strategy, where you could transfer your balance to that card and pay it off with a much lower interest rate. I applied for the card and was declined. I was just getting on my feet in a new city and having a hit to my credit was incredibly challenging at that time in my life. I was very frustrated and upset that I was told I was preapproved and then was declined.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

In XXXX of XXXX I purchased my property with 5 % and had PMI on my account. In XXXX of XXXX I began communcation with my current mortgage company ( XXXX XXXX ) to get my PMI contested and removed. I paid for a new appraisal and in XXXX of XXXX XXXX XXXX officially confirmed my PMI had been removed. In XXXX of XXXX a new servicing company SLS took over my mortgage. In XX/XX/XXXX I was I was back charged 7 months worth of PMI and moving forward was charged PMI ( as I currently am ). 

I have all documentation regarding my PMI removal from my original loan company ( XXXX XXXX ) including my new appraisal, a document stating my PMI has been successfully removed, and a statement from XX/XX/XXXX showing it had been successfully removed. I also have documentation showing that in XX/XX/XXXX I was backcharged for 7 months of PMI. I have current statements showing I am currently still being charged PMI. I have been trying to speak to a manager at SLS since XXXX of XXXX.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is required by FCRA to report accurate and complete information on my credit report or delete reporting the inaccurate items after investigation.VA DEPT SOCIAL SVS DCSE, ACCOUNT NO. XXXX ... .WAS reporting an XXXX balance owed for 5 years 7 months after it was paid until this week ... ... for these 5 plus years it was false and damaging to me, entitling me to seek court redress against the furnisher.Transunion has allowed the furnisher to update the record partially and not completely.Transunion allowed the furnisher to backdate their error, to hide the fact of the injury to me to allow the furnisher to say in writing that the error was corrected in XXXX instead of last week.THE DATE OF LAST REPORTING MUST SAY XXXX XXXX NOT XX/XX/XXXX.ITS TRUE THE FURNISHER CORRECTED THE BALANCE TO XXXX BUT THAT SHOULD HAVE BEEN DONE 5 YEARS AGO.TRANSUNION AND THE FURNISHER HAVE PUBLISHED THAT THE CORRECTION WAS MADE IN XXXX WHICH IS FALSE INFORMATION. 
ALL INFORMATION MUST BE ACCURATE INCLUDING THE DATE OF LAST REPORT. 
I CAN COLLECT DAMAGES FROM THE FURNISHER FOR THE FRAUDULENT REPORTING FOR 5.5 YEARS.I HAVE GIVEN YOU THE CHANCE TO DELETE REPORTING BUT YOU HAVE CHOSEN TO HIDE YOUR ERROR BY FURTHER MISREPORTING SO AS TO AVOID DAMAGES, LOSS OF EMPLOYMENT, ETC.
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (CO)

My wife has an Old Navy Credit card, and her total purchase for FY 2015 were {$200.00}. After several months of paying the minimum to pay off the balance she received a statement that now alleges she owes XXXX. They will not send us an itemized statement showing how we reached this astronomical balance, nor will they explain it to us via phone. They immediately pressure my wife into a settlement discussion asking her to provide a date that she can pay 30 % of the balance and they will cover the rest.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

FCRA section 609 letter sent to bureau and Experian did not provide actual documentation as requested. Bureau simply asked a creditor if a debt is owed. Actual contracts and documentation needs to be provided or this must be deleted. Investigation not completed and insufficient. 

This is for XXXX XXXX
Consumer complaint received 2017-05-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (SC)

I got a car loan in   XXXX   XXXX  . I went to  XXXX   XXXX   XXXX  after a divorce and my credit was below average, so they financed me through  Santander Consumer USA. Th ey gave me a  XXXX  dollar loan for a  XXXX   XXXX   XXXX , that was only valued at  XXXX . I was in desperate times, especially as a single mother and no longer having healthy credit due to a divorce, so I purchased the car. My  XXXX   XXXX   XXXX  percent and a monthly payment of  XXXX . I had a 72 month loan. In    XXXX   XXXX   XXXX    I was noticing with my loan, that the principal was never being paid off, and that the payoff balanced was still over  XXXX . I talked to  Santander many times throughout the years and they could not  try to refinance me with a better rate or with a lower payment and it was nearly impossible to pay off the loan. with 4 years of paying the loan and technically 1 year to go, I should not have had a principal balance that high. SO in  XXXX  I went to another car dealership, got a loan and a new car and I called Santander to come and pick up that car, that could not afford to have that car. IT has hit my credit really bad after working so hard to get my credit back up after the divorce. They auctioned off the car and still say I need to pay  XXXX . This is an absurd contract and should be against the law to do this to people.
Consumer complaint received 2024-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Today is XX/XX/2024 and my Mortgage payment has not been posted. It is the law that consumers payment are posted. The mailing address for my payments is : Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. However, My XX/XX/2024 Statements address was : Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. A different XXXX XXXX XXXX, I dont understand the deception. Moreover, on XX/XX/2024, at an attorneys advice, I sent Select Portfolio Servicing, a Certified Letter, Requesting to know, the Owner of my Mortgage Loan. The letter was signed off and picked up on XX/XX/2024, By XXXX XXXX. I have a the actual, Signature Confirmation. Today is XX/XX/2024, and Select Portfolio Servicing, has still, not informed me, XXXX XXXX, who is the owner of my mortgage Loan. It is the law that and Select Portfolio Servicing obligation to provide me the Name, Address, and Telephone number, of who owns My Mortgage Loan.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

Refinanced Loan with The Money Source, Loan XXXX. 
First Payment Sent XXXX, {$1500.00}. 
Payment Deposited XXXX Loan was sold to XXXX loan # XXXX, letter stated this payment would be transferred to XXXX by XX/XX/20. Payment Due XX/XX/20 As of today,XX/XX/20, XXXX has not received the payment.
Consumer complaint received 2016-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (MN)

I applied for an economic deferment in XXXX of 2016 when my current deferment was ending. they kept requesting more information and I kept sending more information mind you each time took XXXX to 3 weeks for them to process. then they reported me 60 days late even though I had been going through this process the entire time. Finally after over 10 phone calls and XXXX faxes they applied my deferment retroactively. They refused to remove the lates even though I was in deferment. According to section XXXX they need to be reporting accurate information. How could I be late and I 'm deferment at the same time? They have been absolutely awful. This is literally XXXX of the most frustrating experiences I have encountered. Please help! 
.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (MI)

XXXX sent me a letter stating I owed over {$320.00} for a debt through PayPal Smart Connect, a credit line through PayPal that I 've never used or authorized to use. The letter gives no information other than this, so it 's completely unhelpful and vague. I have never received any notice from PayPal Smart Connect stating I owe money. Once again, I 've never used it or heard of it until I received this letter. I 've never made late payments on anything in my life and have worked hard to maintain an excellent credit score. My credit score is now ruined because of XXXX XXXX and PayPal Smart Connect because of their false claims. I had never heard of either one of these entities until I received the debt collection letter, but by then it was too late. Apparently my credit reports were notified of this whole thing before I was. It 's amazing how hard you can work for so long for something and how easily it can be taken away without reason. It really upsets me.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (TX)

I did not consent to, authorize nor benefit from the following inquiries : XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX  XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2016-04-05
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (PA)

Waiting on XXXX to go through and husband is on XXXX leave which was explained to them. I do make at least a {$50.00} payment when I can. They call about 4 times a day on my cell phone and 4 times a day on my house phone alternating them house phone then promptly after my cell maybe wait an hour or two and do it all over again.
Consumer complaint received 2016-02-24
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

This is a new complaint specifically on XXXX XXXX. 
I opened Certificate of deposit # XXXX back in XXXX with SUNTRUST BANK. Original amount was {$32000.00} every year I renewed this CD automatically. Every year I received interest and I received the form to report interest income to the IRS. I am now XXXX years old in XXXX and XXXX I could not do any banking due to health reasons. I started to go back to Suntrust Bank, and when I asked for this CD I was told at the XXXX Branch that I did not have any CD I had others but not this. I kept banking at the XXXX XXXX branch. I approached the bank with this issue accompanied by family members who can attest and every time I was told there will be research and they will inform me. Nothing happened. Finally due to theft from bank employees in my other accounts I started to complain to the XXXX. and then to your office. Lately, I mailed all these forms to your office with copy to SunTrust Bank to the attention of XXXX XXXX XXXX. And as usual got NO answer. I called this morning and you did not get my mailing I have the receipt from the postal office to your XXXX. Please note all other CD inquiries have been addressed or partially addressed by SUNTRUST Bank. But there is no explanation about this CD. It is been many years with no answer. Please help with this issue.
Consumer complaint received 2024-03-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (FL)

pursuant to 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 1681 B 2 company has also no permission to report anything using my info. pursuant to 15USC 16814
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ideal Collection Services, Inc. (TX)

On XX/XX/XXXX I became aware of a company by the name of Ideal Collection Services, reporting a debt of {$94.00} on my credit report. I immediately reached out to the company via certified mail to get further details and clear up any errors. The company then responded by sending me a copy of XXXX page from my lease agreement, which still did not justify or prove the debt is owed. After receiving the response letter, I reached out to the company by phone. I informed them that they were in violation of reporting a debt that I did not owe and asked them to provide details on the debt. The representative had no explanation for what the debt was owed for, however kept assisting that I owed it. I requested to have the address that notification was sent to and the representative did not have my current address either. I advised them that I had moved from the property in question XX/XX/XXXX, and satisfied my lease in full. It made no sense that two years later a debt collection company would be reaching out to me regarding charges that can not be validated or explained. I also reached out to the Property via email and received no response. Ideal Collection is still currently reporting the debt even after being notified via certified mail, that I do not owe the debt. The company also has no explanation of what the {$94.00} debt is for and is still requesting a payment. This is violation of the FDCPA, and by reporting it is also a violation as well under the FCRA. I have attached a copy of my communications sent to the company via certified mail.
Consumer complaint received 2015-08-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

I requested a XXXX month deferment on XXXX/XXXX/15 because I was in between jobs and was going to receive a short check. I paid the {$99.00} that was required to activate the extension on XXXX, and received a letter shortly after stating the extension was approved & my next payment is n't due until XXXX. I started receving collections calls a few days after regarding the unpaid amount. I explained my extension & was told a request/followup will be sent to the extension dpt & my account should reflect accordingly. Well, that did n't happend & I kept receiving calls ( about XXXX in one month ). Up until today XXXX I have called XXXX times to get this matter resolved & each time I get the response " we will send this to the ext dpt for review '' It is now OVER a month after I initially requested the extension, and my bill is due today & the extension is STILL not reflected even after XXXX different requests have been submitted. I spoke with a supervisor today, XXXX, who says the system thought the extension was for XXXX & not XXXX & that 's why the letter had my next due date for XXXX but everytime I spoke with a rep they seemed to know my extension request was for XXXX. She said she will also send a followup, and I asked for something in writing that reflects the correct dates my payments are due. I do n't have a problem paying the amount due in XXXX but I do n't think it is fair since ally did n't get it right the first time, and I should n't be penalized for a " system error '' when going off the due date I have in writing from the company.
Consumer complaint received 2017-02-09
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: First Data Corporation (IN)

Money NEt work, First Data, was given my money by XXXX XXXX, based in Texas ( child support ) when i received the second card as first expired ... Iwas not able to activate. They verified all my information but said they needed a picture id. i faxed and mailed the picture Id Each time they said it was not legible. So for 18 months i have not been able to access my money. There is over XXXX, and they are taking monthly fees out. I do not know what the amount is that is on the card, and XXXX will not help me. I have sent letters certified and have gotten them back unsighed and un opened. undelievered. They are located in XXXX, and XXXX locations are in XXXX. The post office consumer affairs have tried to help but to no avail. I have employed a lawyer but that has illicited no response. In addition, I have filed a complaint with FTC, and compliants with the BBB in XXXX states. I have kept copies of all the correcspondence, receipts, etc and notes. I would like your assistance in this matter to get the full amount which would include the monthly fees. thanks.
Consumer complaint received 2015-03-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (MD)

Around XX/XX/XXXX, I purchased a brand new car ( XX/XX/XXXX XXXX Versa ) with a goal of having the car for five years or at least XXXX miles. XX/XX/XXXX, the car started giving me problems, after researching the problem there was a power train issue, which XXXX has an extended warranty for my make and model. After having the car for over a week, XXXX returned the car to me in the same condition. The next day, I returned to car to XXXX, they currently have the car running more test. In addition to not fixing the car, the car failed inspection and XXXX gave me a bill for {$1600.00} to fix the car to pass Maryland state inspection. XXXX ripped me off, I purchased a {$10000.00} car, paid {$30000.00} for the car, it has a balance of {$13000.00}, appraising for {$6000.00} with less than XXXX miles, a refurbished engine and I can not legally drive the car in the state of Maryland. 
On XX/XX/XXXX, I went to purchase a new car and was told that I would not be able to be financed because of the Versa having a balance of {$13000.00}.
Consumer complaint received 2021-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

My ... ..name is Mr. XXXX ... ..my Complaint ... ..is I am giving ... ..100 percent Exempt from paying property Tax ... ... because of my ... ..age!! The city of XXXX ... .of Virginia ... ..have allow Senior citizen like myself ... .become Tax Exempt Here within ... ..this City!! And I have ... .sent in 3-4 letters of this request and this ... ..Mortgage Company ... ..have not answer ... ..any those letters ... .have been Submitted ... ... and it have ... ..been little over a year now ... ..and they have not ... ..made any attempt ... .to answer those Tax-Exemption of ... .my properly. I even Contact ... .Social Service Department here ... .at City Hall ... and they have confirmed ... .I am one Hundred Exempt of ... .my properly Tax : My Mortgage ... ..should beless then what I am ... ..paying them ... ..!!
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NM)

Four complaints:1. While requesting XXXX my annual reports, the internet went to a " XXXX '' for the reporting agency XXXX XXXX XXXX, then a error message appeared saying that the secure site could not be reached. This also happened a few months ago during a request XXXX. Because the online service was not producing my report, I decided to contact XXXX, using their posted " contact us '' form. 

2. I tried to contact XXXX by using both their " contact us '' form and by phone. Even though I completed the " contact us '' form, it repeatedly posted a message that there was a problem in the " tell us more about what happened '' comment field, and that I 'd have to correct the error ; however, there were no instructions as to what the error was or how to correct it. 

3. After getting no results through the " contact us '' form, I tried contacting XXXX by the posted phone number : XXXX ( which is the same number that Consumer Financial Protection Bureau gave me to contact XXXX XXXX. That phone number ( XXXX ) provides only a repeating message and no live person to help troubleshoot the online problems with their website. 

4. I 'm quite concerned that the XXXX website is phishing! It certainly is acting like it is! and I do not need my identity jeopardized!
Consumer complaint received 2021-12-20
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. (PA)

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.