davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
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)

Good Evening, recently was viewing my credit report and seen accounts on my report that are not mine. Looked up online what to do next and I Seen it was best to get an FTC report which is a police report and also got a identity theft affidavit. I filed both, I attached the identity theft victims complaint and Affidavit. Also the FTC report. These accounts are pushing me back. I was wondering why my score was down and i was having problems getting approved. This hurts bad to know that im a victim. Its better to know i will be helped. 

Thank You in Advance. 
XXXX bless You.
Consumer complaint received 2016-06-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CT)

Company is Chrysler Capital out of XXXX Tx. 
I purchased a 3 yr car lease through Chrysler Capital in XXXX XXXX. From the start of the lease I was billed wrong and the account was reboarded several times. I asked for a copy of the correction that was done XX/XX/XXXX and never received it, also asked for a paid in full letter for the contract and was refused a letter as well. I purchased the car on XXXX XXXX, XXXX and asked that I be provide with something that says my contract is pd in full. Chrysler refused to give me a letter. Instead they sent me a email stating all payment were made on the account. It did n't say paid in full or contract pd In full and I could n't use it because it did not say the account was closed or pd in full. They are reporting is open on my credit with a balance and it is causing problem for me. I have a new finance company that I am financing the car through. I have asked them several times to correct it since I no longer have an account with them. But they wo n't. 
They also owe me a refund because I was overcharged on my car registration and they wo n't refund the money to me. They wont let me talk to anyone In titles and registrations or the Credit Dept to get the problems fixed. I did a dispute with transunion but Chrysler Capital said their was no change so the report still shows acct open and not closed. 
Every time I call there I get a different answer and they wo n't let me talk to the XXXX I need to talk to the person I need to to get a resolution.
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I have had an ongoing dispute with Navient for more than 2.5 years and have filed numerous CFPB complaints and a complaint with the XXXX. There are 2 private loans that originated with XXXX prior to the incorporation of Navient in XX/XX/2010 that did not require payment until my commencement at XXXX. Due to unforeseeable circumstances I was short the necessary credits to graduate and the college recommended I take a XXXX course. Unbeknownst to the administration, they failed to provide an academic accommodation and incorrectly reporting my enrollment status to the XXXX. This led all my loans, including those with XXXX to go into immediate repayment without my knowledge while I was still enrolled in school. We were never alerted to the schools error and the fact no grace period was ever extended. XXXX harassed me and my extended family demanding repayment without explanation. XXXX only called to discuss repayment for federal student loan. My father made a payment on my behalf for the federal student loans. These funds were misapplied by XXXX to private loans instead. After payments were made these private loans immediately went into default without my knowledge. Through research we discovered the enrollment reporting issue made by XXXX that caused these private loans to go into immediate repayment and default. Navient refuses to accept or acknowledge information provided by the college itself that would declare me half time or more enrolled during the semester that the loans went into repayment. Navient also fails to acknowledge my correct commencement date. They refuse to acknowledge these corrections which would remove the defaults from my credit report. Navient has not offered any support or resources to resolve the issue. They recently resold these loans to a different collection agency XXXX which have contacted family members at phone numbers that have never been provided to Navient, disclosing private financial information to family members that are not cosigners on any of these loans. XXXX attempted to harass and deceive these family member to provide private information by calling from various local numbers.
Consumer complaint received 2020-01-12
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: Santander Consumer USA Holdings Inc. (TX)

These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws.
Consumer complaint received 2016-03-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OK)

I recently acquired a XXXX loan from castle pay and they said my first payment would be nothing but interest, I 'm ok with that but nowhere did it say that I would end up paying over XXXX for a XXXX loan. The truth and lending statement was not presented to me until after everything was done and I went looking to see how many payments I would have to make. A years worth every other week. That 's. A lot. I would appreciate if someone would investigate this. They are deceiving people. Wish I would have done more investigating before I took out this loan. Learned my lesson
Consumer complaint received 2016-06-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

On XXXX separate attempts once on XXXX XXXX, 2016 and again on XXXX XXXX, 2016 i sent validation letters to AD Astra Recovery Services to have them verify the debit that is owed. They refused to give me proper debt validation, in which i invoke my rights under the Texas XXXX to have certain information be provided to in which they have not provided. They also marked my file as disputed when I clearly did not dispute anything let alone send them letters under the FDCPA. Since they have n't given me proper validation under the Texas XXXX which requires them to either validate within 30 days properly or they are in violation.
Consumer complaint received 2021-06-04
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. (GA)

Good Evening, recently was viewing my credit report and seen accounts on my report that are not mine. Looked up online what to do next and I Seen it was best to get an FTC report which is a police report and also got a identity theft affidavit. I filed both, I attached the identity theft victims complaint and Affidavit. Also the FTC report. These accounts are pushing me back. I was wondering why my score was down and i was having problems getting approved. This hurts bad to know that im a victim. Its better to know i will be helped. 

Thank You in Advance. 
XXXX bless You.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I several different account on my Trans Union Report and XXXX Reports that have incorrect information. I have been working for years to get this information updated and removed and have not had any success after filing discrepancy reports with them over the years. Then today I was denied a home loan because of bad information being reported in these reports. This is not only embarrassing but very stressful because this information is effecting me being able to purchase a home for my children and myself. I have served my military faithful and retired successfully and to continue to have to battle these agency is nothing no one should have to endure.
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (TN)

Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have 2 late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them their.
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

I signed up for the Citigold promotion and fulfilled all requirements and contacted Citibank multiple times to make sure that I had followed all the steps. I had paid {$90.00} for a checking account and now am being stonewalled when I ask for them to honor the terms. They state that the terms were only for targeted members but the terms and conditions that I have saved as a pdf say no such thing. I also had multiple missives from Citi stating that I would receive this bonus at the end of 3 bank cycles.
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (KY)

ALL XXXX AGENCIES ( EXPERIAN, XXXX, XXXX ) ARE GIVING ME THE RUN AROUND SAYING I HAVE ALREADY RECEIVED MY REPORTS, WHICH I HAVE NOT..THIS IS THE SECOND YEAR IN A ROW..THERE IS NO WHERE ON THE REPORT REQUEST TO DISPUTE IT OR FIND OUT WHATS GOING ON
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc ()

I received a payment from a customer and PayPal withheld 50 % of my payment for no valid reason. PayPal 's policy states that if I exceed payments received by XXXX USD, which has not happened. 

and they do not give me an explanation of why they withhold it if it was a service performed, the attention by call never enters and in message they did not answer my question. 

I ask you to please help me because there is no reason for them to hold my money for 21 days or 7 days as they say. 

I will appreciate your help
Consumer complaint received 2021-06-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc. (MD)

Hello, I am requesting that the 30 day lates reporting as of XX/XX/2020 to XX/XX/2020. 
My finical world was turned up side down when COVID-19 hit. I was not informed that my payments were late and payed them as soon as I could.
Consumer complaint received 2017-02-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have several accounts at Bank of America ( BOA ). It appears that BOA charges an overdraft fee based on pending ( not yet posted ) clearing items included in the available balance. In addition, it also appears that, for those accounts that have automatic transfer from savings accounts to cover potential overdrafts, make transfers based on pending items ( not yet posted ) and charge a transfer fee at that time. If deposits are made during the pending period, fees are not reversed prior to posting even for positive balances.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern : I have reached out several times regarding my current credit report & Navient account standing seeking assistance to no avail. Please be advised I am writing regarding my former XXXX now Navient student loans. When the time to pay on my loans initially began statements were being directed to an invalid mailing address and email address as learned when speaking with a customer service representative. During the dialogue it was recommended to move the loans to forbearance to clear up the matter & I believed the issue was rectified at that time by a customer service representative. 

Additionally, later on due to a separation from my spouse I was no longer able to make the needed payments each month. Although, I made efforts to maintain and stay current to my best abilities during that time period. For that reason, a couple of conversations were had with XXXX representative ( s ) and it was suggested to place loans in forbearance again. Also by taking this measure I was informed by the representative ( s ) all past negative information related to the student loans would be brought up to date and not negatively reported on my credit files. It was my understanding the updates in the system had been addressed at stated, which were not handled as such. After some time passed I learned when I attempted to apply for a home mortgage there were several delinquencies associated that has been negatively reported on my credit report from the 2013 calendar year. I am being severely penalized due to misinformation given by a customer service representative. I have tried to work with customer service countless times and each representative will provide different information, which has not made resolving my concerns any easier. 

I am requesting at this time to have the delinquent statuses removed from my credit records. Your cooperation would be greatly appreciated. 

Best Regard, XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (PA)

This company is reporting fraudulent and inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so that I may review to see if this is actually an account that belongs to me. 15 usc 1681 ( a ) if you can not provide proof that these accounts are 100 % right and correct these accounts must be deleted. Please delete these accounts immediately. # XXXX and # XXXX as they do not belong to me! Thank you
Consumer complaint received 2016-10-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (AZ)

I am a former employee of Wells Fargo. While an employee, I had all of my accounts there per the firms requirements. I left about a year ago and moved my investment accounts, but kept my checking, XXXX accounts and mortgages with Wells Fargo. I had a PMA account which would have a fee, but due to my having all my accounts there it was waived and ATMs at other institutions were credited back. Recently Wells Fargo sold their XXXX accounts to XXXX Bank. In doing so, my account was free at Wells Fargo and now has a monthly fee of {$3.00} a month without notice or ability to modify. Additionally, Wells Fargo no longer counts the balance of my XXXX towards my total balance at Wells Fargo which subjects me to monthly fees of {$30.00} a month and I no longer get the reimbursement for using non Wells ATMs. What bothers me the most is I was not notified in advance, and I have sent XXXX messages to Wells with no response.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MORGAN STANLEY & CO. LLC (AZ)

Account #  XXXX  ; reported late payments  XXXX   XXXX . We applied for a loan modification on a property we owned. We were told that they would only grant a modification on a loan that was 90 days in default before they would even talk to us. We allowed the mortgage to go the 90 days and were then told that if we made any payments, it might restart the calendar, so we deposited the mortgage payments into a savings account so we could settle the account at the end of the process. In the meantime, their collection department called on a regular basis, threatening foreclosure. We told them we were applying for a loan modification, but they refused to verify this with the loan modification department. The collection department sent the loan into foreclosure while the loan modification was still in process. We paid the default amounts, legal and court fees and THEN got an offer of a loan modification. The terms of the modification were actually WORSE than the original loan, so we turned down the loan modification. We feel that Saxon Mortgage acted in bad faith during the transaction. We followed their instructions and they reported us as being delinquent. We only followed their instructions for getting a loan modification. We had the money to pay during the application and they took a whole year to offer a loan modification with terms worse than the original note, which we chose to reinstate. We feel they acted in bad faith and then damage our credit for following their instructions.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Cornerstone Home Lending Inc. (NM)

My mortgarge was sold from XXXX XXXX XXXX XXXX XXXX immediately to Cornerstone Lending. My first issues began when I paid my shortage amount in XXXX 2015. I paid in plenty of time for it to be applied to my account. My bank statement showed Cornerstone cashed my check on XXXX XXXX. I called to make sure the payment had been applied, I was told it had not been as of XX/XX/XXXX. I had to call back in a few days to make sure, which I did. I was told a few days later that the amount was applied and my new payment would be XXXX. They did not credit my account which resulted in the wrong amount being withdrawn in XXXX. My bank statement showed XXXX being deducted. I called again and was told they would apply the extra amount, over XXXX to my principal per my request and that my XXXX payment would be XXXX. I then, XXXX., received a letter stating they had not received my payment of XXXX and my XX/XX/XXXX payment was late. I called and spoke to XXXX who said, no, that was incorrect, my payment had been received ; I have autodraft, and to disregard the notice. I got another letter dated XXXX or XXXX that said " thank you for your XXXX payment ''. Last week, XXXX XXXX about, I began getting phone calls with no one on the other end, from New Jersey. I ignored them. I got another one today, it connected, asking me to call Cornerstone. I called and was told my XXXX payment had not been recieved. I had to call my bank so they could send a letter verifying the payment had been made. Again, I have autodraft. I asked to talk to a supervisor. I spoke to XXXX who said my XXXX payment had been applied to my principal, so no payment was made in XXXX. 
I am losing my patience with this company! I got another letter today stating they had assessed a late fee and my payment for XXXX is {$1500.00}! I can not take this anymore. 
Please help.