davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

I leased a brand new 2017 XXXX XXXX. I received the car on XXXX XXXX. On the morning of XXXX XXXX ( not even 72 hours later ), I found the car dead in my garage due to major electrical malfunction. Since that time ( 3 full days ago ) I have called Chrysler customer service at least 25 times. I have had a tow truck cancel on me 6 times. Chrysler 's policy is to tow the car to XXXX of the XXXX closest dealerships. A Chrysler rep called all XXXX and they all refused to accept the car. The original dealer that gave me the car offered to take it back and service it. The dealership is XXXX miles outside Chrysler 's towing limits. Chrysler wants me to pay {$100.00} to tow the car there. Not one of the 25 reps I spoke to had the authority to waive XXXX miles or {$100.00}. They all said I have to be assigned to a case manager, the only person in the entire organization who can maybe assist me and get a waiver. I apparently got assigned to a case manager on Monday, but you are required to wait 24 hours for a call. I still had n't gotten a call 24 hours later, so I called again to let them know. The rep I spoke to said that because I spoke to a manager during the day today ( who also could n't help me ), it reset the case manager assignment process and now I have to wait another 24 hours for a call. So now I have to go another day with no car and no assistance. Also, Chrysler initially told me they will reimburse me $ XXXX/day for a " comparable '' rental car. I called several local rental companies and they do n't have ANY cars available for $ XXXX/day, let alone a comparable one. They offered me a XXXX XXXX for $ XXXX/day. I leased a minivan - NOT comparable. The reps could n't help with that either. 

I do n't feel comfortable driving the car anymore. It is n't safe for me, a XXXX woman, or my XXXX young children. The car does n't recognize when the brakes are on, would n't shift out of park, and had many other issues. The most frustrating part of the whole process is the complete and utter disregard of every single person I spoke to at Chrysler, for my situation. I am now going on Day 4 with no rental car, and a brand new dead car in my garage. I drive to work every day. I take my children to school every day. I have spent hours on the phone with them, and my husband had to take a day off from work to wait for a tow truck that never came. 

I asked for a manager or a supervisor or a case manager almost every time I called. I was informed that there was no manager or supervisor or case manager on premises. The reps would n't provide names or contact phone numbers for their supervisors, and told me that the Lemon Law department and legal department do not accept phone calls from customers. I am completely at my wit 's end and I do n't know what to do. Calling customer service has gotten me nowhere and now all I can do is wait for a mythical case manager to call. If I dare call again tomorrow they will probably reset the process again for another 24 hours.
Consumer complaint received 2022-02-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RMA Credit Association (TX)

i am giving you an opportunity to cure, due to improbability negligence or mistake after this and i do not get remedy my notary will issue me a certificate of dishonor and i will be filing civil action against your company
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by American Express On XXXX applied for The Platinum Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX L Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collection at Law, Inc. A.P.C. (CA)

XXXX XXXX is using collection at law inc. A.p.c./ XXXX XXXX XXXX XXXX bar # XXXX ) to sue me and has been non negotiable for the last XXXX years. I have XXXX in debt that I was unable to pay during covid, as I faced over an entire year of pandemic unemployment and for a half a year previously due to work related XXXX XXXX injury, and 2 forced home relocations during pandemic and riots in XXXX XXXX . I attempted to negotiate hundreds of times over these 2 years since account closed, mostly with no answer, or weeks in between answers, answering machines, zero returned calls, constant denied extensions and offers. They offered to settle in 2019 for 12500, or XXXX per month, which I did not have at that time. Hundreds of calls and offers to them later, they then said I could settle for 18k which I was going to pay lump sum after receiving my worker comp settlement, but had to pay doctor, medication, and moving costs to move again unexpectedly during covid and was then again unable to pay that 18k lump sum. They then said my payment plan would be set at XXXX month, with no ability to negotiate anymore, which I just can not afford. I feel like this had been years of abuse and neglect, as I wanted to pay them but in a rational livable way. I asked to settle again for their previous offer of 12500 or XXXX per month and was denied by the bank directly and by the lawyer they use. Now I am served and have to face court in XXXX, for a debt ive been trying to pay, while suffering from this work related XXXX XXXX, having severe XXXX XXXXwice, 2 relocations in XXXX years during pandemic and riots, unemployed for a year, no family support or significant other. I have no money for a lawyer and the stress of this lawsuit along with the fear of poverty and continued strain on my health is extremely damaging. The lack of compassion and neglect during covid that this bank and lawyer have shown is inexcusable and this cas should be thrown out completely.
Consumer complaint received 2022-02-01
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. (FL)

On XX/XX/2021 I submitted a dispute with Equifax regarding numerous unauthorized inquiries to my credit history ( about 24 in total, give or take ). The confirmation of that dispute is : XXXX. About two hours later I received a result stating that they had fully investigated all inquires, and that they were all valid. A request for how they verified these details went unanswered. 

Given the fact that there quite a few inquires to check, mixed with the fact that they responded a few short hours later, leads me to believe that they did not investigate my dispute at all and therefore have violated the Fair Credit Reporting Act.
Consumer complaint received 2022-02-01
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. (GA)

In XX/XX/2022 I pulled a copy of my free Consumer Reports. After review of my most recent reports I discovered accounts that were not authorized by me. These accounts are result of Identity theft. I filed a report with the FTC it will be attached with this complaint. Fraudulent accounts include, XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$500.00} ), XXXX XXXX ( {$3000.00} ), XXXX XXXX XXXX ( {$1400.00} ), and XXXX ( {$10000.00} ). I am currently working with my local authorities to get help on pin pointing the person/s who are responsible for opening these fraudulent accounts. Please block and delete these accounts from consumer reports. They do not show an accurate account of my creditworthiness.
Consumer complaint received 2021-07-27
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 day demand XX/XX/2021
Consumer complaint received 2022-02-01
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I'm trying to temporarily unfreeze my credit report with Equifax. It was very easy to do so with XXXX  and XXXX, but Equifax is not working, and there is no way to contact them. I spent about 30 minutes on the phone, but I could not speak to an operator, their automated phone system will not let you speak to an operator, ... it acknowledged that I wanted to speak to an operator, but made me answer alot of questions first ... then at the end of answering all the questions it said it was unable to connect me to an operator at this time. I followed all of their instructions to speak to an operator -- their system made me enter my phone number, SSN, address, then after that, it made me answer 5 questions about my credit report, which I think I answered correctly. There is absolutely no way for me to speak to anyone. And their website tells me to call them. They have made it literally impossible for me to manage my account or lift my credit freeze. This is a terrible company, absolutely horrible. Apparently I can unfreeze my credit by mailing in a form, so I'm going to try that, but this will take an unknown amount of time, and this is unacceptable since interest rates may change etc. I don't even know if they'll even respond to my mailed-in form. It could take 30 or 60 days or even longer for all I know. And I'm going to permanently unfreeze it, because I know I can't ever temporarily unfreeze it in the future, so they're indirectly making it impossible for me to have a freeze on my account! By the way, I used a PIN in 2019 to temporarily unfreeze my credit report, but now they don't accept the PINs anymore, yet I can't create a new account with their website either! This company is a huge disservice and failure to the public, and to the entire banking industry.
Consumer complaint received 2022-02-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am in a massive medical malpractice lawsuit with XXXX XXXX and therefore I will not owe these debts..There is a total of {$2200.00} that needs to be removed. My attorney is aware of these charges and said I will not owe them..so please remove these debts from my credit report. XXXX XXXX XXXX {$1200.00} and XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXXl {$280.00} and ARS Account Resolution {$190.00}. 

The accounts are with : ARS Account Resolution of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I have XXXX complaints BB & T/Truist Bank The first, every year this loan has been in force I receive letters from my mortgagee stating I do not have appropriate insurance when I do. I have XXXX flood policies and XXXX hazard policy. Every year I have to spend hours on the phone dealing with representatives explaining the following : 1. Each building has its own flood policy and the flood policies exceed the amount of the loan which is more than required by XXXX. 

2. Only one hazard policy is required for up to XXXX units ( which is how many units I have ). That policy is insured to more than 80 % of the building value and well in excess of the loan value. 

Year after year the mortgagee threatens to or actually force places flood and/or hazard insurance. It takes countless hours and a considerable amount of stress to get them not to force place the insurance. I am currently in possession of over XXXX pages of letters from BB & T/Truist they have sent me over the years and this is not all of the letters I have received. 

The second issue is with their escrow department. On multiple occasions they have made erroneous payments to my insurance company or just strait up have wrong payment amounts on their escrow payment statement. They pay for policies that do not exist or they pay incorrect amounts. Then BB & T/Truist demands I pay thousands for shortfall. Currently my escrow statement shows over {$2000.00} worth of insurance payments that do not correspond to the insurance bills. Also, according to my insurance company, they have not received payment for the accurate amount. This is the second time that I am aware of the mortgage statement being grossly incorrect and to add insult to injury they force me to have an escrow account even though the loan to value ratio is only 50 %. 

I am an educated person who works in the insurance industry with above average wealth. I also nnow how to read statements and am good at reconciling finances. I am left with no choice but to pay off this loan even though I would prefer to keep it. I am just too fed up with the yearly stress of dealing BB & T/Truist. I pity people that do not have the expertise and means that I have to deal with such gross incompetence.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of, over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over lawful time soon to be 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-01
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2016-10-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

I went bankrupt in 2010. At that time XXXX with the holder of my second. I was informed XXXX went bankrupt and my second was charged off. This is documented on my credit report. Due to a divorce, I was required to refinance my house in my name. When I went to do so, I was told that Di Tech had a lien on my house and that they had " purchased '' my second. They refused to settle for lesser amount unless I completed their hardship paperwork. I completed and they refused to settle, stating there was equity in the home and that I would have to subordinate their lien. I had the mortgage company request subordination. They refused to sign, stating that I was over the 9 months in my divorce court order to refinance. Throughout the process, Di Tech has dragged their feet, stated they have not received paperwork, and refused to cooperate on this very questionable lien. Some of the ways they did this was giving me the wrong contact person and email, stating they did not receive paperwork ( I resent at least five times ), taking long periods of time for turn around in regards to response to requests. I started this process over six months ago with them. I was trying to get a XXXX refinance, which I understand they are required by law to accept.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (WA)

Did a XXXX grocery order to pick up. Done many prior and never had this issue before. Usually they do a pre auth then after I pick up order the pre auth becomes the charge. No issues. Well yesterday XX/XX/2022 i did an order and I used paypal to pay because I did not have my debit card on me. My payment type was still using my bank debit card. Pre ath showed on account like usual. Went picked up items didnt think anything of it until I get a bake alert for overdrawn account. Turns out paypal charged my debit card without releasing the pre auth. So now I'm overdrawn and have no way to get any money for gas etc ... instead of the XXXX I had for groceries I am getting charged XXXX. I never was informed that I need to have double the purchase amount in my account to cover the pre auth? Called bank and they said paypal has a hold on the XXXX pre auth until XX/XX/XXXX. So XXXX  days in the negetive with other small XXXX purchases etc already coming out. Im gon na have massive overdraft fees on top of not able to go to work or appointments because I was counting on the remaining XXXX in my account to cover me. Trued contacting paypal but its a joke to actually get a response without XXXX hour wait. How come the pre auth doesn't remove after purchase. There us no reason for it!!! I swear paypal does these things to earn interest off other peoples money.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Coastal Settlement Recovery Inc. (CA)

This company keeps calling me about a personal debt on a work cell phone that doesnt belong to me. I have no idea what the debt is as I constantly ask them to contact me in writing before we get into the debt. Today after receiving another call from these people, and trying to explain yet again, the rep XXXX became abusive and belligerent at the end of the call. This needs to stop. Harassing people this way is unacceptable.