davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (NY)

I filed bankruptcy XXXX and was XXXX XXXX. My online account was restricted with Santander and upon calling in to check my balance, employees had no access. After being discharged from bankruptcy. I could see my account was delinquent. I started making regular payment. XXXX. I had no statement or access to my account, but I still made a payment. My vehicle was repossessed XX/XX/XXXX w/o notice which is fine. The problem lies in the fact that after I called to make arrangements to bring my account current, I was told Santander could not confirm that my vehicle had been repossessed. I blindly paid what I owed. I called XX/XX/XXXX to make sure my payment had been processed and I could retrieve my vehicle. The payment had been processed, but there was no formal repossession paperwork so they could not release my vehicle until Santander formally filed the repossession. I spoke with 4 different entities regarding picking up my vehicle. First I was told it was local, and then XXXX NY ... Etc. Finally given the # of the storage facility it was closed. I feel like this has been poorly handled and would like to file a formal complaint. Santander picked up my vehicle XX/XX/XXXX without filing out the proper paperwork or giving proper notice and still have not gone on record to say to me that they repossessed my car. The bankruptcy department has never spoken with me.
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (RI)

Called lender ( Nelnet ) on XXXX and again XX/XX/XXXX after receiving letter advising my requested forbearance was approved. Letter stated I would owe additional interest. Advised them I never requested any such thing. They then proceeded to advise this was on a XXXX loan ( it is {$12000.00} ), and that the {$100.00} payment would go up to {$440.00} in order for the loan ( XXXX XXXX XXXX ) which had exceeded its " time period in accordance with note to pay off. XXXX had previously been held by Great Lakes. Loan had been part of an extended payment with due date XXXX with all of the other PLUS loans I took out. Was told I was eligible due to the amount I had owed. The original lender ( Great Lakes ) imposed a moratorium in the payments during COVID and transferred the servicing during that time. Nothing in the timing has been impacted other than the fact that the COVID pause was implemented and not at my request. In reviewing Nelnet paperwork there are multiple issues one of which I just noticed. In XXXX when the moratorium was presumably lifted Nelnet sent a letter advising the loan is XXXX but all of the prior statements before it was service transferred indicate loan was for {$12000.00}. Nelnet statement of XXXX shows an extended payment with 164 payments due. XX/XX/XXXX statement shows 162 payments due. They have now switched the payoff date and on the last statement ( payment due XX/XX/XXXX ) advised that the loan is due in 24 payments. They advised my wife on the phone that in order for the loan to meet the due date the payment is now going up to {$440.00} and that it is in forbearance for two months, continuing to accrue interest. When we advised that I was not going to pay that amount nor did we agree, they advised to look at the note where it says they can adjust the payment and the due date. They also stated I could either lift the forbearance and they would debit my account the new {$440.00} payment, or they could escalate. As this is the second call and they told us I could refinance if I didn't like it, there does not seem to be the competence to handle the issue.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had an account with XXXX which I paid in full. The account was supppose to be removed upon payment but it 's still there. According to credit report on XXXX XXXX it was a removed collection but it 's still posted as a derogatory mark in collections account. I also have an account with XXXX for XXXX XXXX XXXX that keeps appearing on my account which was removed off of my report but keeps reappearing. The amount was disputed once the account was cancelled. I 've contacted XXXX they ca n't seem to find my information but it 's clearly on my credit report saying that I owe XXXX. One of the papers I attached clearly shows that XXXX XXXX XXXX account was closed and removed.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Home Mortgage Alliance Corp. (HMAC) (IL)

I got a email saying someone was using my security card number in different states, buying things, in places like Texas and in a few other states thank you XXXX XXXX, have a nice day
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AK)

Creditor : Jefferson Capitol- attempting to collect {$720.00} from an old XXXX account. 
XXXX had made fraudulent sales of supposedly new phones, however, they were used. I had physical proof of this- the phone I received, I found to have very personal photographs of it's previous owner still on it. 
XXXX adamantly denied this for quite some time, during which I stopped my service with them as a direct result of their fraudulent business practices. Finally, a XXXX supervisor seemed to understand the problem, and he told me that he would zero my balance and I owed nothing. However, he refused to give me this in writing.. I guess he was just lying to me, as it seems was/is common for XXXX. 
This account has been sent to collections, I have disputed it, it has been removed from my credit report.. years ago. 
Now, Jefferson Capitol, seems to think this account is valid again for some reason, which is absolutely astounding to me. 
Reasons this account is illegitimate - -There is, or so was told to me, no more contract existing on this account, it was zeroed out. 
-There were fradulent charges made to this account, by XXXX XXXX, feaudulently selling used phones as new. 
XXXX  violated it's customer 's privacy in selling these used phones with the prior owner 's personal information still on the device. 
XXXX told me I had a XXXX balance as result of all of this and closed this account, or so I was told. 
-This had then been sent to collections, but has subsequently been disputed and hence removed from my credit report, further proving the illegitimate collection efforts. 
-I am now having to go through all of this headache again, and while XXXX has understood the situation and removed it from their credit report, XXXX XXXX not understanding the situation and is not removing this from their credit report.
Consumer complaint received 2017-10-06
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: Aargon Agency, Inc. (NJ)

There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX and the aargon agency with XXXX XXXX XXXX. I 've reported to XXXX and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect information.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I responded to an alleged debt account letter dated XX/XX/XXXX I mention that I had no knowledge of the alleged debt and if I can get an original copy. They send me a copy of a renewed judgment that was filed XX/XX/XXXX that I wasnt made aware of. They claim that this alleged debt was open back on XXXX. Assuming this was mine which I have no knowledge of, does the statute of limitations expire?
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I am filling this complaint because Experian has ignored my request to provide me with their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX ( XXXX ) ( a ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CrossCountry Mortgage LLC (NJ)

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate information : 1. The inquiry was not authorized XXXX XXXX XXXX Inquiry Date : XX/XX/year> Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX/CROSSCOUNTRY MORTGAGE Inquiry Date : XX/XX/year> XXXX
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

My wife and I booked a vacation to XXXX using points on our Chase XXXX XXXX rewards card. During the flight selection we were limited on their rewards site to using a carrier that had filed bankruptcy for our preferred vacation location. We expressed concern to chase and we were assured the carrier ( XXXX XXXX ) would still operate as normal. The night before ( XX/XX/XXXX ) we were due to fly back home to XXXX XXXX, we recieved messages stating our flight XXXX # XXXX ) was cancelled due to the bankruptcy. We spent {$1700.00} above what we had already spent to find a timely flight back. I spoke to Chase Customer Service and they pretty much informed me I 'm out of luck and I just have to pay. XXXX is still knowingly using airline carriers that are in bankruptcy to fulfill rewards, they should be held liable for this. I would have never booked a flight with a bankrupt air line otherwise, not to mention I was lied to when I was assured it was a stable situation.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

SYNCB/JCP is leaving my account in a delinquent status since XX/XX/2023 despite being paid as agreed. They are showing the account as delinquent XXXX and it is hurting my credit scores. This is violation of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX XXXX This should be immediately corrected and as such they should remove all late payment history from my account.
Consumer complaint received 2020-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (VA)

I had a credit account with first progress card. the account went into a charge off/ collection. I paid the bill 0f XXXX in full and first progress is refusing to update the information with all 3 credit bureau. I have full evidence that I have paid the money. I have a photo of my receipt.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Union Plus credit Card ( now under XXXX XXXX umbrella ) representatives have told me twice that I can not pay down my high interest ( Cash Adv 14.99 % ) until I pay down my low interest first ( 11.9 % ). They stated this with no unclear terms stating that this was the allocation method of my credit card. I recorded the second call in full to prove that they are misleading me and therefore other consumers. I have been paying other credit cards with lower interest rates first because of their misleading feedback. In this recorded call, the supervisor claims that this must be an " educational error '' and will address the managers. However, for 2 representatives to claim definitively that Iower rates must be paid first leads me to believe they are prompted by the company to mislead consumers so they continue to make maximum profits. The supervisor assured me that they were wrong and that any payment WILL AUTOMATICALLY be applied to my highest interest balances. I am going to make a payment above the minimum to verify that it does. If not, I will make a second complaint and escalate the problem as best I can.
Consumer complaint received 2018-06-07
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: Experian Information Solutions Inc. (MA)

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, XXXX, and experian ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Consumer complaint received 2016-12-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Automated Collection Services, Inc. (NJ)

Dear Sir/Madam : I continuously receive threatening letters of garnishment from ACSI - XXXX although I provided them with sufficient documentation that my average monthly debt exceeds my disposable income. Since I did not provide receipts for Food, Clothing, and Misc., they credited me {$120.00} per month. I am a family of XXXX. It is unreasonable to think a family of XXXX could survive off of {$120.00} per month for food, clothing, and misc. items. Today, I provided them with receipts for the month of XXXX and asked that they reconsider their decision. I also made an offer for a payment plan of {$50.00} per month. Having XXXX dependents, It would be extreme financial hardship to have 15 % of my pay garnished. 
Thank you for taking the time to look into this matter.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (AL)

American Express XXXX just closed my account XXXX days ago without giving me XXXX single reason. I tried to know the reason, but I failed to know why. I have been a loyal customer since XXXX till today. Never missed a payment, and I always pay on time. I have a high XXXX XXXX. Had almost XXXX in rewards miles, and paid off the balance every month. Would n't give me any specific reason. I 'm furious! Is this because they have n't made interest off of us in all XXXX years? Is that how they treat their loyal customers? I really feel disappointed.
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This debt is no longer mine. Portfolio Recovery calls to collect on a debt that is not mine using a phone number from my general area which is not their number. I am on the do not call list. The debt they are claiming is 13 years old on top of that. I have asked repeatedly not to be contacted by this company.
Consumer complaint received 2021-07-06
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: National Credit Systems,Inc. (TX)

I obtained my consumer report and saw inaccurate and illegal information being reported and Pursuant to section 15 usc 1681a under the exclusion section number B states that anything extended or authurized from a credit card should be excluded from a credit report. According to definitions section 15 usc 1602 ( i ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit.This is meaning a credit card from a bank of any form is not allowed on my consumer report and in fact they are illegally reporting information to my consumer report. This information can not be verified or accurate unless the company interviews with neighbors, friends, or associates but however such information shall not include specific factual information on a consumer credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, according to section ( e ) of 1681a definitions. I am in disbelief of this matter and my ability to obtain credit has been hurt because this company has not followed the laws that has been set in place.
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CO)

I have submitted an earlier complaint. Compaint XXXX which has been closed. I thought that the CFPB was created to make sure that banks, lenders are treating people fairly??? I do not understand how banks can get away with such fraudulent practices. This is a UNITED STATES VETERAN with PRIVATE CONVENTIONAL LOAN. They have misrepresented to the CFPB what is actually going on and you are just allowing these practices with no actual monitoring of their practices. So what does the CFPB actually do???? What are your guidelines when a seller is facing foreclosure and a loan is being serviced released??? Why are these regulations not being enforced? You do not enforce your regulations?? How is this making sure that banks are treating AMERICAN VETERANS FAIRLY????
Consumer complaint received 2019-02-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

Me and my husband filed for ch XXXX bankruptcy. Two of the credit bureaus report just 1 bankruptcy but equifax is reporting two on my credit report with the same date and info as each other. For some reason they cant understand that they are showing a duplicate bankruptcy. This is caused me to be unable to buy a house on two different occasions because they will not do a loan with more then one derogatory mark on my credit report. I have only ever filed for one bankruptcy and could not file 2 on the same day with all the same information.
Consumer complaint received 2022-10-05
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: SANTANDER HOLDINGS USA, INC. (MI)

Filed a FTC report and reached out to the reporting agencies for validation of debt shown on report in XXXX. I asked if validation could not be provided to please remove from report. I have not heard anything back. I do not recognize this debt and it is reporting as a charge off which is unlawful. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). If your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. Also 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. I did not receive anything which is a violation. 

As defined by the IRS, even if you didnt receive a Form 1099-C, youMUSTreport Canceled Debt asGross Incomeon your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report Income to my consumer report.
Consumer complaint received 2021-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

My chase credit cars were closed, both Business and Consumer. 
I have never had a late payment, and Chase on the phone told me that for my safety and privacy, they can not tell me why. 
I went to a branch, where I was told that they have no information on this either, and are also not able to help.