davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (IL)

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian and XXXX refuses to remove me from being lates on XX/XX/2021 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXXXXXX Balance : {$38000.00}
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (AZ)

I paid off my boat loan on XX/XX/2022. Since then I have been trying to contact Santander Consumer USA to get the title but since my account is paid off, it is no longer active. When I try to call Santander, without a valid account number ( mine is apparently deactivated ) the phone system does not allow you to continue. I have used their web portal to send at least 4 emails over the past 4 weeks and none have been answered. I tried calling a local office ( XXXX XXXX  - recording says office now closed ) and their headquarters in XXXX  ( published number only allows you to enter your extension to gather voicemail messages- sounds like this is for employees only ). I have searched the web and tried every number I can find- it seems there is no way to reach this company. 

I need to sell my boat but every month that Santander does not send me my title it costs me another {$300.00} in storage fees. What kind of a company has no way for its customers ( immediate past customers anyway ) to contact them, and actively ignores emails? 

My next stop may have to be my attorney if I can not get this resolved. Thank you. 

P.S. attached screenshot shows my account paid in full
Consumer complaint received 2015-06-18
Product: Other financial service — Debt settlement
Issue: Disclosures — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I spoke with XXXX at Lexington Law, I asked for a refund because the work was not completed. I paid before any work was done. I also was not told that I can do this work on my own and dispute on my own.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I resided at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. I resided there from XX/XX/XXXX to XX/XX/XXXX. During my residence there, I was never evicted, and the apartments underwent 3-4 changes in property management companies. When I got closer to my lease term, I decided to re-establish my credit to purchase a home. When my credit was pulled by a loan officer, the apartments filed three erroneous judgments against me with the XXXX XXXX Magistrate Court. 

The current manager at that time, XXXX XXXX, said he received many complaints about previous management and was informed they were illegally filing judgments from tenants after collecting rent. He drafted and filed a letter with the Court showing that I was in good standing and that the judgments needed to be satisfied. However, I have attempted to apply for a rental home and apartment, and the judgment remains on my public record : XXXX XXXX. XXXX XXXX ( Filed on XX/XX/XXXX ) {$970.00}. 

I called the magistrate court, and they confirmed the judgment is satisfied. This is also confirmed on the docket. I have a stamped copy of the satisfaction of Judgment. XX/XX/XXXX Image Document Satisfaction of Judgment XX/XX/XXXX Image Document Satisfaction of Judgment The lawsuit was filed by attorney XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. Phone : XXXX. Every third party, the apartment or property management company for a rental home, denies me. They won't accept my proof. The attorney XXXX XXXX XXXX, XXXX XXXX Magistrate Court, or XXXX XXXX XXXX should resolve this matter. I checked XXXX, XXXX, and XXXX, and the judgment is not listed. This must be on a third-party tenant database. 

I contacted XXXX XXXX XXXX on Thursday, XX/XX/XXXX, and the apartment is under new management again. I spoke with the Asst Mgr, and he stated he has no digital or physical files that I ever resided at XXXX XXXX XXXX. He suggested that I contact XXXX XXXX. I looked up the company, and their number is no longer working.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I have been the victim of predatory lending. The original loan purchase was {$460000.00}. The loan was restructured in 2009 with two balloon payments. Now, after paying faithfully, no missed payments or refinanced payments, and 17 years later, my loan balance is {$500000.00}. The loan has been sold several times, all to lenders with predatory lending practices : XXXX, XXXX XXXX XXXX, Ocwen Loan and now PHH Mortgage.

The interest rate was an adjustable rate and is at 5.25 %. I can't even refinance the loan as my monthly payment will go up due to these treacherous balloon payment. I'm asking that the lender forgive the balloon payments ( {$210000.00} ). My mortgage balance should rightfully be {$280000.00}. I was a single mother and could not fight this issue as I was trying to keep a roof over their head. I hope you can help me.

I have every document from the inception of the loan. I just need help
Consumer complaint received 2020-09-10
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. (MS)

I've contacted XXXX XXXX and the credit bureaus requesting them to remove two vehicle loans that are now closed but reflecting late payments ; however, my divorce decree property settlement states my ex-wife is responsible for these account balance since 2013.
Consumer complaint received 2017-03-23
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (CO)

I was given a visa gift card for my birthday, with a balance of {$100.00}. The card says it was issued by US Bank. 

Several months later I removed the card from its original packaging and tried to register it on the provider 's website. When I tried to register the card to verify the balance, I found it had already been used for the full amount on the card, leaving a XXXX-dollar balance. 

I called the customer service number as printed on the card and filed a claim. I was informed the transaction had taken place in a XXXX store in California on the day before my birthday. 

This week I was informed that my claim had been denied, because I had not filed it within 120 days of the gift card 's fraudulent use. 

As the card had remained in the original packaging until XX/XX/XXXX, and there were no instructions on the packaging indicating I was required to register it within a certain time period, I did n't have any information that I suggested registering the card and checking its balance was anything other than optional. 

Doing research online, this turns out to be a widespread problem, that has been going on for some time. There are a number of articles online describing others that have fallen victim to this scam. Some claim that hundreds of complaints are received each day. 

Unfortunately, the corporation selling these cards has yet to take any action to either prevent this fraud, or to warn customers of the risk of the fraud and what they must do to protect themselves should the card 's account be used for unauthorized purchases. No warning is given that if the card is not registered within a particular time frame that the card holder will not be reimbursed for the fraudulent activity.
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VALLEY NATIONAL BANCORP (NY)

I repeatedly ask for monthly statements for XXXX months thru a Letter attached to the payment, I NEVER got a reply at least as a courteousy to a customer. 

My regular monthly payment is {$720.00} plus i added {$470.00} applied to Principal for a total of {$1200.00} monthly. 
Thats why i need monthly statements to track the Principal balance. 
Please help to make Valley Bank comply on my request Thank you in advance
Consumer complaint received 2015-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Partners Financial Services Inc (TX)

I owe XXXX School of XXXX XXXX {$2700.00}. The collection agency, Partners Financial Services Inc. of XXXX, they have chosen to partner with is charging me {$2300.00} ( almost XXXX ) simply for it being in collections. They have clearly stated that the charge is 0 % interest. I have been a student since I left XXXX School and could n't pay them the amount due. I was never notified that I was going to be charged such a large amount or that it was going into collections. I believe Partners Financial Services Inc. is charging me for the amount XXXX owes them for collections and is putting it in my account. I do not feel as though I owe Partners Financial Services Inc {$2300.00}. This collections agency is charging me unreasonably and unfairly.
Consumer complaint received 2021-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Consumer complaint received 2020-06-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

PNC Bank keeps blocking access to connect my bank account to mobile apps. This is very frustrating as these are valid, safe, financial apps that I need to use to help manage my money and obtain loans and other money services. 

PNC Bank keeps blocking access to connect my checking account to these apps due to security purposes ( which I understand ) but this is our choice and our decision to use these apps on our phones. 

I called PNC Bank and they explained how its part of their security processes but they need to have an option available to where we can contact them and say - " Hey, this app is safe and it is my decision to allow my checking account to connect to this app ''!! 

Quit block access to use these apps on our phones. This is very frustrating as I need to have this option available to me. If you continue to block app access to connect my checking account, I will be forced to close my accounts with PNC Bank and take my business elsewhere to a bank that will allow this. 

My apps that I use include - XXXX and XXXX - which I have had connected to my bank account for sometime now. I then changed my password to online access with PNC Bank and it disconnected these apps. So when I go to reconnect the apps and connect PNC Bank account using the new password, it keeps saying that - " PNC Bank has made a change that prevents you from being able to link your accounts ''. 

PNC Bank, Quit Doing This!!!!! Please give us access to allow these apps to connet to our accounts if we choose to have this happen. Give us the option to allow or block certain apps. 

I have contacted these app companies directly to see if there is a way to manually connect my checking account using the routing and account number and the only way to do it is by linking directly with no options to connect manually. 

I will continue to complain and voice my concerns over this because this should be the customer 's decision, not the banks. 

STOP BLOCKING ACCESS TO APPS!! I am so frustrated with this. I have money that is transferred from these apps to my checking account and these apps automatically hit my account for payments to pay them back for these advances and loans that I get with them. If you constantly block them, I have no way to pay these loans or advances back. 

STOP DOING THIS PNC BANK!!!!
Consumer complaint received 2016-07-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO. (CA)

I have a student Loan with JPMorgan Chase Bank ( Chase ) which is being serviced by XXXX XXXX XXXX ( XXXX ), poorly if I may add. I have been trying for months to release a co-Borrower, my Brother, who is in the process of qualifying for a home loan but is being impeded by this obligation. I am and have been fully making every payment since the issuance of the loan and furthermore have a much higher credit score ( XXXX pts ) and the reason they will not release my Brother is due to our credit histories according to XXXX XXXX Chase will not answer any questions, and when I ask to speak to someone at XXXX that can make a decision regarding this, I am referred back to Chase in a never ending loop.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I recently applied for a loan modification from Wells Fargo. 
First I was told they would n't accept my application but needed to go through a " re-entry interview '' I complied with that and my application was accepted. 
Then in the space of just 3 days I received 4 letters. 2 letters were dated on XXXX XXXX of this year : one stated that I should submit the required documents, the other stating they received all the documents. A letter from Wells Fargo dated XXXX XXXX stated they reviewed the information and my request was denied as the NPV ( net present value ) evaluation results did not support a modification and that I had already received the maximum number of modifications. No other details were given that could help me understand their decision. 
Finally a letter dated XXXX XXXX stated I was approved to participate in a short sale. 

Going back a bit, in 2013, I was given a loan modification, my only one but with an interest rate of 6.125 %. I accepted those terms at the time but am now unable to afford my payments. I am not earning as much income as I was before and am struggling to keep my home. 

I was also told the investor would not accept additional modification requests but was not informed who the investor was. 

I desperately want to keep my home. I tried calling the assigned relationship manager and was hung up on when I started asking questions. Wells Fargo has been very uncooperative and not very informative about my denial.
Consumer complaint received 2015-12-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: DISCOVER BANK (AL)

I received a notice this year from the IRS stating that Discover sent them a XXXX for an old collection where pmts had not been made since XX/XX/XXXX. I did not settle this debt nor did I receive a XXXX from the to file on my XX/XX/XXXX taxes. Also, Discover still shows that I owe the full amount of this debt as a collection on my credit report and is still updating with no mention of settlement for less than balance. The IRS says I owe them {$1000.00} and wants me to consent to changing my return. This debt has exceeded the Statute of Limitations and is set to be removed from my credit report XX/XX/XXXX. I have disputed this with the IRS and sent them a copy of my credit report showing this but they just keep sending me the same letter. I think it is wrong for them to side with Discover. Can you help me?
Consumer complaint received 2015-11-26
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (CA)

Discover is running a promotion where they are giving 10 % cashback for all purchases made via Apple Pay in store until XXXX/XXXX/15. I have made numerous purchases using Apple Pay but discover has not honored many of the purchases because they added a clause several days into the promotion that says " gift cards are excluded. " To enforce this clause, they are now blanket rejecting many purchases above a certain amount and requiring customers to provide receipts to show whether the purchase is or is not a gift card purchase. No where in their terms of service does it state that customers need to retain receipts and then send them to Discover. 

This is a blatant attack on consumer privacy and has shifted the burden of proof to the consumer when it is the credit card company that should be the one verifying purchases. 

If Discover wants to exclude gift cards, they need to do it accurately and without requiring customer receipts to be sent to Discover.
Consumer complaint received 2022-02-03
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: WELLS FARGO & COMPANY (FL)

Well Fargo continues to claim that they've thoroughly reviewed this matter, but in reality all they've done to date is keep reiterating without merit that this matter has been previously addressed. They state this claim without actually seriously looking into my then financial situation without any legitimacy and emphasis on assisting the financial hardship I had to endure as a direct result of their toxic and destructive loans. The loan in question, a PICK-A-PAYMENT loan, has been found to be one of the most self-destructive Mortgage loans ever developed by any U.S based mortgage lender XXXX Wells Fargo had to dole out millions in restitution via a " settlement '' and was supposed to assign a specialist to help modify said loans into restructured loans that would help save ones primary residency. Wells Fargo once again duped the courts by concocting modification approval formulas and mythology that favored their agenda and interests. I know this as a matter of fact due to my financial troubles that this very loan has subjected me to personally. To merely take principle, interest and penalties owed, slap it all on the back of the loan, keep the very same terms and conditions in place that caused the ruin to begin with and call it a " Modification '' is nothing less than insulting and deceptive. I will not go away and I will not stop fighting until Wells Fargo makes fair and equitable compensation for my loss. 

It is of known fact that Wells Fargos software algorithm resulted in Wells Fargo " mistakenly '' foreclosing on hundreds of homes over an eight year period ( XXXX XXXX XXXX XXXX XXXX  During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX XXXX & XX/XX/XXXX appeal ). These modification decision outcomes were critical and paramount in maintaining home ownership of the property known as XXXX XXXXXXXX XXXX XXXXXXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive Pick-A-payment loan that myself along with millions of other predatory lending victims were subjected to, XXXX XXXX XXXX XXXX ) the cost impact to such a toxic loan to this day keeps on eating away at its victims financial means in so many devastating ways.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

We previously had a XXXX 's XXXX XXXX credit card that is sponsored by Commenity bank. The bills that were due XX/XX/2021 and XX/XX/2021 were not received in the mail until XXXX XX/XX/2021 due to significant problems with the mail service. The payment for both bills were mailed on XXXX XXXX so the bill for XXXX was definitely not 30 days late because the bank cashed both checks on XX/XX/XXXX. My wife and I called on XX/XX/XXXX when we discovered that the account had been suspended and spoke to a supervisor, XXXX, who was not willing to assist with the situation. We decided to close the account and authorized XXXX to pull the remaining balance, {$33.00}, from our XXXX XXXX checking account. He confirmed in the phone conversation that the balance had been paid in full and the account closed. We received a confirmation of this by letter from XXXX 's customer care dated XX/XX/XXXX along with another letter verifying that we had authorized the transfer of funds. However, on XX/XX/XXXX we received an additional bill for {$510.00} after an earlier verification that the balance had been paid in full and the account closed. My wife mailed the payment but on the same day we received notice from our identity protection that we had received two negative reports at the credit bureaus for this account. This morning we discovered that we had a credit of {$510.00}, the exact amount of the bill. A representative at Commenity Bank, XXXX, provided assistance and agreed that the negative reports were fraudulent and should never had been submitted to the credit bureaus. We requested to speak to a supervisor who after a 10 minute wait refused to speak to us but instead assured XXXX that the negative reports would be removed and that we would receive the amount in credit back in our XXXX XXXX checking account. Neither has happened and my credit score has been adversely affected over what appears to be a malicious act to intentionally damage my credit.