davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
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. (FL)

The vehicle was repossessed on XXXX XXXX, at that time the loan balance & repo fees was {$16000.00} ( based on my online account ) and was sold at auction on XX/XX/2020 for {$19000.00}. 
The amounts on the " Explanation of Calculation of Surplus or Deficiency '' letter dated XX/XX/2020 stated the aggregate balance as {$17000.00} ( which is incorrect ). I brought this to the attention of numerous customer service representatives until I finally spoke with XXXX in the Executive office of Santander Consumer USA on XX/XX/2020 she agreed the amount was incorrect and she was requesting a check to be issued in the amount of {$350.00} the difference owed to me. I do not understand how a large company can make such accounting mistakes, unless they do it intentionally. As of today I still have not received a check. I called Monday and requested a manager in the Executive Office and was told I would get a call back. Today I received a call from one of the representatives from the Executive Office her name is XXXX stating a manager approved a refund in the amount of {$260.00}??? She said the sale amount was incorrect on the original letter it should have been {$19000.00}. I can not believe they run a company like this, they are so dishonest. I should have received a letter this was the first mention of it. So, I advised her that was not acceptable. Her response was she would speak to a manager and see if they would approve the {$350.00} but she could not guarantee anything. 
I have been calling every other week requesting the initial refund check, then the Warranty refund, they do not like to give you back what is owed you, now, here we are in XXXX and I am still dealing with this situation with no resolution. They are thieves!
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I had a mortgage with Bayview Loan Servicing loan number was XXXX. I requested information from them in reguards to the payment history that is reporting on my credit file. The bureaus are not reporting the full history and I believe it to be past the statute of limitations. I requested the full payment history from Bayview since the bureaus are not reporting it and what they sent was only an acknowledgement letter. I never received any type of payment history to match with what they are sending the the bureaus. I have attached a copy of the letter where they indicated that the proposed resoultion would be by XX/XX/2020 or if additional time was needed they would send me notice of that as well. I did not receive anything other than what was attached.
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (VA)

On XX/XX/2020, Shellpoint Mortgage Servicing ( NewRez LLC dba Shellpoint Mortgage Servicings NMLS ID is XXXX ) transferred the servicing of my loan to XXXX XXXX. At the time of the transfer, my balance was {$0.00}. 

Despite the transfer of the loan and the fact that I owe no money to Shellpoint, Shellpoint has reported my account as " past due '' to at least two credit bureaus ( XXXX on XX/XX/2020 and XXXX on XX/XX/2020 ). They also reported that the delinquent balance was {$0.00}. 

No payment is owed on this loan and no amount was ever past due. Shellpoint 's reporting to these credit bureaus is clearly an error or fraud. I requested in writing that Shellpoint take immediate action to correct the adverse report with all three credit bureaus and provided them with a copy of the credit reports. 

Since that time I have received three letters from Shellpoint indicating that they are looking in to the matter. 

On XX/XX/2020, I called Shellpoint for an update on the issue and was told that they were not, in fact, looking in to this matter and that if I wanted it dealt with, I would have to work with my current mortgage servicer.
Consumer complaint received 2022-04-08
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX  XXXX Balance {$0.00}, XXXX XXXX Balance {$15000.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX Balance {$2100.00}, XXXX XXXX Balance {$7000.00}, XXXX XXXX XXXX XXXXXXXX Balance {$2600.00}.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The expiration date on my credit card from Capital One was XX/XX/2020 and I had not received a replacement card, so I called them XX/XX/2020 and the representative advised a new card would be sent out. I waited a few weeks and followed up since nothing was received. The person I talked to again apologized and said they would take care of everything and get a new card to me. Still waiting and nothing came in the mail. Early XX/XX/2020 I received an email from a credit monitoring service indicating an account had closed. I investigated and found it was my Capital One credit card. Additionally, my credit score dropped 40+ points as a result of that account showing closed! I called Capital One on XX/XX/2020 and talked to XXXX who identified herself as an Account Supervisor. XXXX advised the account was closed due XX/XX/XXXX due to no-activity. I explained a replacement card was to have been issued two months earlier and I had home improvement projects to purchase, but had put them off since did not want to use the credit card that had an expired date and was waiting for the replacement card to make the purchases. XXXX apologized saying there was nothing she could do. XXXX acknowledged the XX/XX/XXXX conversation, but now that the credit card was closed, she could not re-open it. I feel the correct solution is for Capital One to honor what they were supposed to have done and issue me a replacement credit card. Additionally, the date open of this card should match the original date open of the account that was closed in error. The trade-line of the closed account should be removed from reporting so it does not adversely impact my credit score.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have the phone app of XX/XX/XXXX on my phone which give 3 of the creditor businesses appearance.XX/XX/XXXX and Transunion have it down on the app that i am delinquent with XXXX XXXX even though the account has been closed, i have tried to go into those 2 and correct it with the dispute but conveniently they have it where you can not do so. I have never been delinquent with XXXX XXXX and do not even want them on my reports, period! I am fed up with these businesses deliberately posting lies and statements for people XXXX XX/XX/XXXX XXXX like XXXX XXXX who throw a temper tantrum over a customer who has had enough of they're acting out behavior of preschool. Photos attached
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

This information that is listed on my chexsystem report and reported from XXXX XXXX is inaccurate and fraudulent. My information was exposed in the XXXX data breach twice, dark web and also in the fema data breach.Supported documents of my information being compromised is attached in this dispute below. My email address was hacked, social security, current and prior addresses, banking information, employer information, passwords and etc. My drivers license was also replaced/ reissued ( states at the bottom ) due to being loss and identity theft. My name was also used and spelled in different ways to obtain bank accounts online and other goods and is documented on file with the credit bureaus. A identity theft report was was submitted when this information was observed by the me the consumer. Disputes were submitted to the consumer bureaus and to chex system and related information was deleted from the credit bureaus from investigation. Monthly security alerts were also placed on all credit files and a freeze is currently on my chexsystem report.I am currently in the pending status of a settlement with XXXX  in reference of both data breaches. My information was compromised during a FEMA breach as well. I am requesting for the deletion immediately of all derogatory information and accounts that are associated with XXXX XXXX, on my chexsystem report. This is and was not done by my consent nor did I authorize it this fraudulent activity. The derogatory remarks and information has prevented me from opening any account in Florida due to this matter with Chex System. I have received numerous of harassing calls from XXXX XXXX stating I will be prosecuted and also a collection agency attempting contact via phone to collect funds not owed to them. I am in process of legal action. 1 ) Please provide physical in person debit/ credit card obtainment and proof of physical in person signatures. My information was compromised from a unknown individual and obtained from a family members mailbox.
Consumer complaint received 2020-10-29
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: BROKER SOLUTIONS, INC. (CT)

I recently checked my credit report and have seen multiple hard inquiries that have severely impacted my credit score. I shopped for a mortgage back in XXXX or 2019. I do not believe the multiple hard inquiries should affect my score because they were all for the same reason and should be grouped together. Recently, I traded in my vehicle and purchased a second vehicle. I authorized the dealers to run my credit report to find me a good rate to finance those new vehicles. I was surprised to so my credit score decreased drastically since XXXX of 2019. 
I also saw that a mortgage company recently made an unauthorized inquiry on my report. I am no longer in the market for a mortgage and would have no reason for a company to do so. 
My complaint is that these hard inquiries have so negatively affected my credit score. Some were authorized for specific purchases but those should be grouped together. And, I have some unauthorized inquiries that certainly should not affect my credit score. 
Looking at my credit history you can see that I have not missed a payment in over 150 months and my credit was very good until these events. 
I hope someone can research my credit history and correct any and all negative events on my credit report.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (IL)

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX  is ignoring me and XXXX is its been 5 months nothing done still
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have the phone app of XX/XX/XXXX on my phone which give 3 of the creditor businesses appearance.Equifax and Transunion have it down on the app that i am delinquent with XXXX XXXX even though the account has been closed, i have tried to go into those 2 and correct it with the dispute but conveniently they have it where you can not do so. I have never been delinquent with XXXX XXXX and do not even want them on my reports, period! I am fed up with these businesses deliberately posting lies and statements for people XXXXXX/XX/XXXX XXXX like XXXX XXXX who throw a temper tantrum over a customer who has had enough of they're acting out behavior of preschool. Photos attached
Consumer complaint received 2020-05-18
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. (AL)

My credit report with your agency is still reporting two erroneous accounts in the derogatory accounts section. A collection with XXXX XXXX and a Public Record with a Bankruptcy Court in XXXX, Al. I've asked you before to verify and send me proof that these items belong to me. I haven't received anything in over 3 months. After doing my own investigation I have received letters from both accounts verifying these arent my accounts. The two letters are attached. Please delete these accounts as soon as possible. Thanks.
Consumer complaint received 2019-08-20
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: AMERICAN EXPRESS COMPANY (FL)

On early XX/XX/XXXX, I applied for Gold Delta SkyMiles® Credit Card, when I signed up, American express gave me the offer that promised me I would get XXXX bonus miles after making $XXXX purchase with the card. However, within 3 months I already spent over $XXXX. When I asked American Express when can I get my XXXX  miles rewards, they refused to give me. It was my first time to apply for the American Express Delta credit card, and I have never had the same card before. American Express never give me a reason why I am not eligible for the welcome bonus offer.
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (AZ)

I have been trying to work with the credit bureaus ( XXXX, XXXX, and XXXX  ) to remove erroneous credit information ( judgement ) for XXXX from Rent Debt Automated Collection since XX/XX/2015, for a debt I do not owe. To date, I have been unsuccessful in doing so. After numerous attempts to try to resolve with both the credit bureaus and Collection Agency, I decided to contact the XXXX XXXX XXXX and they too advised me that there have been many complaints about Rent Debt Automated Collection agency for reporting erroneous unsubstantiated claims against many individuals. I have been harassed and talked to in a unprofessional manner as well as, threatened. Since I have no knowledge of the amount owed, and nothing to show I owe, I am asking that, I receive intervention from CFPB to have this remove from the ( 3 ) credit bureaus. More importantly, hold Rent Debt Automated Collections Agency accountable for their harassment and the mental stress they have caused.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

My name is XXXX XXXX XXXX. I believe I am the victim of discrimination and an unfair and arbitrary practices on the part of Capitol One. Prior to there action I had an XXXX credit score. I have two cards with them. I have never missed a payment on either card, nor have I ever been late. One of my cards had a XXXX limit and the other had a XXXX limit. I received an email stating that because I rarely use the card with the XXXX limit they were reducing my limit. I use the other card more frequently, so when I called to complain, stating it made no since to reduce the limit on my XXXX dollar card when I have two cards with them, several days later, they reduced the limit on my other card. Their decision given my credit and payment is highly suspect, and it hurt my overall credit score reducing it so far to XXXX. They told me I could apply for another card with them if I wanted more credit. I have been with Capitol One over 20 years, and this has never happened. I do not rely on credit, I use it quite sparingly, and Capitol One is penalizing me for not running my cards up enough. I would love to know how many other citizens with credit scores like mine, payment histories like mine, but are XXXX have had similar action. ( What is the risk profile they are looking at, what is it based on, what is the number of minorities that are effected vs XXXX ). 

Thank you for you time. 

XXXX XXXX
Consumer complaint received 2020-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (GA)

I purchased a XXXX XXXX XXXX XXXX XXXX series boat on XX/XX/XXXX. At the time of purchase, Yamaha offered a finance option which put all payments in excess of the required monthly amount directly towards the principle. This was the option chosen ( section 7, paragraph 2 of the loan agreement ). 

The payments began in XXXX of XXXX. At this time XXXX XXXX was managing Yamahas loan program. My payments were in excess of the required amount, and in XX/XX/XXXX I began doubling the required payment. The amount above the required payment was always properly placed against the principle ( as annotated on each monthly statement ). 

In XXXX of XXXX Yamaha Financial Services began management of my loan. At this time my payments stopped being applied according to the loan agreement. On XX/XX/XXXX I spoke with customer service ( XXXX XXXX EST ) and was ensured that the amount over the required payment would be put against the principle. It was not. 

In XX/XX/XXXX I received a statement that showed my required payment as {$760.00} ( double the required amount ). I again called Yamaha and made the following memo for record : I have never received an e-mail response from that review. 

I have stated on my payments that all amounts in excess of the required payment, be put against the principle as per the loan agreement. In conversation ; once again with Yamaha Financial Services, I was told that I could not put that on my mailed payment, and that I needed to call every month if I wanted it changed. I made one attempt and was told that they couldnt change it unless I made the payment over the phone.

I have sent approximately 10 12 e-mails to Yamaha on this subject. I have had 1 response, and they just again quoted according to the waterfall Attached/included, please find : 1. The signed loan agreement 2. E-mails
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (MA)

I bought my house in XX/XX/XXXX. Penfed Credit Union took over the mortgage in XX/XX/XXXX. 

In XXXX, XXXX, I received a delinquint city tax bill from my City. This is strange because I see tax payments from my escrow account at Penfed. 

On XX/XX/XXXX, I called Penfed to figure out what is happening. I spoke with XXXX, who told me to email a copy of my delinquint bill. There was no email confirmation and I received no contact. 
On XX/XX/XXXX, I called again to verify that the documents have been received, spoke with XXXX again, who told me that the documents have been received. 

No contact. 

On XX/XX/XXXX, I called again to see if there are any updates. The woman I spoke with told me that XXXX was not the right person to speak with, and to email the delinquint bill again. Also, I was told that the " appropriate department '' is working on it and that someone from that department will be contacting me. 

No one has ever contact me by calling, which I requested every time. The only email communication I receive is either none, or an automated email response. 

On XX/XX/XXXX I call again and finally learn that PenFed has been paying my escrow to the wrong property since the beginning of the loan. In total they've paid out around XXXX $ XXXX for someone else 's property. 

After finding this out, Penfed decided to pay all the delinquint taxes to the City plus the late fees, and changed my escrow balance to negative XXXX XXXX dollars. ( - $ XXXX ). 

I send another email on ( XX/XX/XXXX ) asking what has happened to my escrow balance, and a detailed report on how I can get my money back, plus reduce my monthly mortgage payment, and once again receive no answer back. 

On XX/XX/XXXX I call again, and this time, was told that they are researching and they will ask someone in the escrow department to contact me. 

I make it clear that I am forced to pay over $ XXXX a year in escrow just to cover Penfed 's mistake. This is way higher than what I legally owe. It is destroying my finances and if I don't make this payment I will get a penalties and late payments. 

Penfed does not care, $ XXXX is small to them, but it is an incredibly large amount to me. I keep on calling and calling and no one really seems to care.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX My credit report is dinged as a paid charge off of {$7800.00} My husband totaled this car and I had GAP insurance, Gap Insurance only paid {$100.00} of what my other insurance did not pay. 
I agreed to pay {$3500.00} of the {$7800.00} So they are reporting incorrect amount and I am needing to purchase a home and this is charge off that should have been paid my insurance or Gap insurance needs to be removed from my credit reporting.