davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX reported that I had a history of payments 31-60 days. This was an auto loan I took out for my ex-husband XXXX. I always made timely payments. During our separation/divorce period he took over payments and should have the title and paid it off. If my credit is showing late payments due to XXXX XXXX XXXX, I need to know about this and see if I can do anything about it.
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp (NY)

I am a victim of identity theft. The companies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LENDING CLUB CORPORATE, all claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am XXXX  and XXXX  by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud claims.
Consumer complaint received 2017-11-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (MA)

For over a month I 've dealt with epic levels of incompetence at XXXX powered by Ally in taking advantage of the reduce buy out price for my leased vehicle. I 've had multiple chances to refinance with other banks but did not pursue them because of the promotion and the advertised ease of completing the process. It 's ridiculous that they only have 1 loan consultant, XXXX XXXX, XXXX Consultant, Clearlane, powered by ally. O : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX It 's also a joke that it took 3 weeks to get him on the phone and every time I spoke to someone there, I was asked the same questions and I 've given the same response. I live in XXXX. I lived in XXXX when I leased the vehicle from XXXX XXXX. My mother drives the car. I moved to XXXX, the car and my mother remain in XXXX. That has been communicated every single time I spoke to anyone there. Now out of the blue, they say that my mother has to be on the loan application since I 'm not a XXXX resident anymore. 
They have cost me precious time and have not caused me immense stress, anxiety and angst. The lease is up in 1 month. If I am unable to work through the process before the lease is up XXXX I work 3 jobs and have a toddle and a baby so my time is extremely valuable ) I will SUE Clearlane/Ally to the gills.
Consumer complaint received 2021-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

I, XXXX XXXX entered into a consumer credit transaction with SANTANDER USA , INC finance on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 US Code 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting to pay a down payment, or any other additional charge outside of the finance charge, which was paid for with my credit. In this transaction, there was a cash down payment of {$3500.00}. Congress said in pursuant to 15 US Code 1605 that the finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer transaction thus making this illegal.

I tried to send my affidavit of truth with evidence, cease and desist, and notarized Jurat to SANTANDER USA , INC using the address that was provided, but it was returned due to an invalid address. At this point, whether malicious or unintentional, I have been denied my right to dispute due to my inability to communicate with SANTANDER USA , INC. I am demanding a remedy of this situation immediately.
Consumer complaint received 2017-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

I have a car loan with Ally financial. On XXXX XXXX, XXXX I started Receiving calls that but I was have to do 17 days. When I looked at my accounts I have made a payment every month on the same day at the same time. The first time I spoke to them they said that I had missed the XXXX payment and I did not the second time I talk to them they said I was behind on the XXXX payment which I did not. Final time that I talk to them they are saying that I did not make my original car payment or I did not make my payment a payment in XXXX of XXXX. The bank then does not know what payment Ive missed I feel as if they are deceptive practices to brew to put bad marks on my credit and to get extra money out of me. I also believe that my interest rate is not what I agreed to that is in my paperwork when I had signed at the dealership. Feel as if they have made an error and they are trying to make me pay for it with their deceptive practices. I believe they are in taking in the practices of credit report fraud with the statements that theyre telling me that I miss my original payment in XXXX and then the statement that they mean about me missing a payment in XXXX and just now notifying me XXXX XXXX.
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

In XXXX of 2020 we requested a payoff and received a payoff of XXXX and was paid on XX/XX/2020 8 days before the quote expired and was deducted from our checking account on XX/XX/2020. Then was told we still owed XXXX per a statement and message on their system, We paid it on XX/XX/2020 and is just sitting there unallocated-unknown. still as of today. Now today we are told we owed XXXX stating they have unallocated funds of XXXX and stating after the XXXX is paid additional payments may be needed.

Bottom line we have paid 2 payoffs. And SLS owes us our excess escrow of XXXX XXXX they haven't applied to anything in 10 days in order to charge more interest.
Consumer complaint received 2017-11-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

Ocwen has stated we are responsible for paying for " XXXX XXXX Mortgage XXXX '' even when that information was never disclosed in the HAMP documentation we signed last year. Our estimated escrow amount was {$1400.00} at the time we signed our HAMP documents. When Ocwen re-analyzed our escrow monthly payment increased to {$1500.00} to make up for the mortgage shortage for property taxes and homeowner 's insurance XXXX XXXX XXXX XXXX. Per Ocwen 's website, we are responsible, as the borrower, for paying for " Lender Paid MI ''. 

Our original lender paid for the mortgage insurance to XXXX XXXX beginning in XXXX XXXX and we have never paid for mortgage insurance as the borrower. In the documentation we have received from XXXX XXXX and Ocwen of our escrow payment breakdown, it was never disclosed to us that we were responsible for paying for the " Lender Paid Mortgage Insurance ''. We were told escrow payment included property taxes and homeowner 's insurance. 

The MONTHLY payment amount of the mortgage insurance is {$480.00} per XXXX XXXX and loan amount of {$750000.00}. Servicer on the loan per XXXX, is XXXX XXXX Bank. Per Ocwen 's website, annual payment for Lender paid MI is {$620.00}.
Consumer complaint received 2022-11-17
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. (AL)

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX ) - Account Numbers : XXXX & XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-31
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. (PA)

Experian needs to fix the issues about the inaccurate information for the Late Open account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Late Open : XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I recently disputed an account on my Experian credit report, XXXX XXXX, because I did not recognize an old paid off charge off. It was investigated by Experian and deemed to be mine, but then they reaged the account on my Experian credit report to show the date of last delinquency as XXXX even though the account has been paid off since XXXX. This caused my FICO score to drop by over XXXX points because it 's showing a brand new delinquency when there is no delinquency. I contacted Experian by email, but no remedy has been applied. This is going to cost me a lot of money in higher APR 's as well as potentially altering my current credit cards/loans into risk based pricing. I feel that this was done as a deterrent/adverse action to disputing information on my credit report.
Consumer complaint received 2017-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I graduated in XXXX with my XXXX. and in XXXX with my XXXX. At the time I was working full time, raising a family as I went back to school when I was older. My loan payments were never at a payment that I was able to make, therefore had to do forbearance and deferments. The interest that has accrued made my total to repay {$130000.00}. My family and I live in a XXXX bedroom house because I ca n't afford to move and my credit is horrible because I ca n't afford my XXXX payment.
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (RI)

Approximately one year ago, I requested that my mortgage company, NewRez, re-evaluate my home as the market had improved and I believed ( and still do ) that the LTV on my property was at a level that would warrant the removal of the PMI payments from my monthly payments. They recommended a BPO and I sent them a check. Several months went by and I called to check only to find that they had " misapplied '' the payment to my principle and assured me that this would be corrected. For the past 3-4 months, I've been going in circles with them and getting nowhere. They claim to have escalated the request but nothing has been done and I continue to pay PMI premiums. At this point, I am considering refinancing with another company to avoid dealing with them altogether. I hope that others do not have to experience what I have been dealing with. During my latest exchange, I asked to speak to a manager and was told he was too busy. NewRez was not my choice, they simply purchased my loan servicing agreement and this is in no way a fair way to treat a borrower.
Consumer complaint received 2017-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, XXXX we were taken in on an identity theft scam that had to do with a XXXX scam. While on the phone with the scammers my wife was also on her online banking account and saw fraudulent activity, debit card charges. She immediately hung up the phone and contacted the Bank of America and notified them of the fraudulent charges and notified them of the identity theft explaining what had happened. Bank of America stopped these fraudulent charges. She also notified our other bank XXXX XXXX XXXX XXXX who put a watch on our account and also all our credit cards were cancelled and new ones issued. On XXXX XXXX, XXXX at XXXX pst she was reviewing our BofA account and saw that a {$5000.00} wire transfer was pending. She immediately contacted BofA to stop this wire transfer, explaining again about the identity theft. She was told by them that unfortunately the transfer had already been made. We were put in touch with their wire fraud department and a claim number was received. We were told that if we heard nothing from them in 10 business days the money would be put back into our account. We heard nothing for several days. On XXXX XXXX, XXXX we contacted BofA again and asked the status of the claim. We were told that the first claim had gone to the wrong department and that a new claim had to be initiated, again with the 10 day stipulation to return the funds. As of XXXX XXXX, XXXX we had still heard nothing from the bank. After spending 4 hours on hold and getting bounced from department to department a representative from BofA fraud department stated that nothing was being done as this did not constitute fraud and we would not be getting our {$5000.00} back. I disagreed with them as this was clearly wire fraud and that we had notified the BofA on XXXX XXXX, XXXX of the identity theft scam, before the wire transfer had occurred. Any help in this matter is appreciated. The actual scam has been report to our police department. We have any account information, dates, times, BofA personnel we spoke with available should you be able to help us.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported in completely accurate and correct. The following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX The listed items is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation.
Consumer complaint received 2017-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (FL)

XXXX XXXX XXXX Rent Recovery {$3400.00} I notified leasing office of mold infestation was on a month to month lease, got charged for the filing of the eviction even though its marked as a broken lease and got charge two months in advance on a month to month lease. Informed the complex prior to moving that if problem were n't changed I would be moving due to health reasons.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

On XXXX XXXX, XXXX, Diversified Consultants sent me a letter telling me that my account with XXXX was referred to their office for collections. Yet, they posted it on my credit reports before the date of my letter. I asked them to validate the debt, I never heard back, I asked them again to validate the debt, I never heard back ( this was all by certified mail ). I sent another letter asking them to debt the debt but they said no. I called them on XXXX XXXX and told them that I had a zero balance with XXXX. They said that I would need to prove it. I went to my local XXXX office and sent Diversified my statement that said {$0.00} balance. They said they will report to my credit report that it was paid. I stated that I never owed Diversified the debt and it should be deleted. It is still on my credit report. They are reporting false information and it is affecting my credit. I should not have to jump thru hoops for an unethical company!
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

I have a balance on my XXXX XXXX American Express card of approximately {$10000.00}. I have been late on payment in the past, but not severely late. I now find out that they are charging me 29.9 % interest on my remaining balance. That rate far exceeds the criminal usury rate in New York as provided in XXXX XXXX XXXX XXXX. 

I called XXXX in the hope that they would agree to some reasonable rate of interest until I could pay of the balance. They declined to do so.
Consumer complaint received 2020-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal phone lines are closed. They refuse to reply through the online chat messenger. My account was imposed limitations on XX/XX/XXXX, after providing all documentation, I was able to reach an agent through chat and the limitations were removed. Then, I sold 2 pre-owned XXXX on XXXX   and on XX/XX/XXXX account limitations were imposed AGAIN! Now i have {$1600.00} stuck and there is no reply from them whatsoever. Aside from myself, I ask that you please take a look at PayPal 's page on XXXX and RECOGNIZE that there are about 5000 other people affected just like myself. In the time that we need it the most, they are keeping our funds AWAY from us. This is completely WRONG and I am looking for HELP!
Consumer complaint received 2017-11-06
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: ENCORE CAPITAL GROUP INC. (TX)

I have attempted numerous times and have disputed information pertaining to my experian credit report. I have requested that the above credit reporting agency provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

In XXXX of XXXX, I cancelled XXXX and returned the recording box. I was charged for services I did not receive and for the box that I returned. Now, there are 2 debt collecting companies recording this debt falsley on my credit reports.
Consumer complaint received 2017-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I previosuly filed a complaint against this company under complaint number XXXX. 
The company responded with a ton of statements from the credit card company. 

The company failed to attached what I originally requested which was the copy of the signed credit application so I can file a police report. 

I went to report this to the police department and they asked me to obtain the credit application and bring it back to them. This collection agency on return sent me statements, no signed credit application.
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

I took a loan of XXXX with Care Credit card to cover a dental bill. I was told I had a year to pay it off, after that I would be charge a 26 % annual rate. I thought it was alright. However, either I did not heard or I was n't told that that rate would be charged to the whole loan amount. I was under the impression that the rate was going to be applied to the remaining of the loan. In my case I was {$370.00} away from finishing. It does n't seem fair to pay XXXX more, now having a balance of XXXX. 

I consider unfair to pay such amount of interest rate, when the balance is so low. I feel like I hurried as much as I could to pay off the card, all for nothing. For many people, XXXX might be nothing. Not for me, and many like me that live check to check trying to keep my head over the water. 
I called the company on XXXX-XXXX-2017 at 1:4 aprox. I was not offer any solution. 
I know the return message will say that I am to blame. Fine. I insist, having paid 93 % of the loan means nothing to the bank.