davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (IL)

Chrysler Capital added a derogatory mark on my credit report ( XXXX & XXXX ) Upon further research, the debtor could not provide me with NO ORIGINAL SIGNATURES nor contract. Debtor did not verify this collection. There hasnt been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and in fact anyone can send a bill and say its mines. According to the FCRA, Chrysler Capital has violated my rights for YEARS as a consumer and I am requesting legal action to remove this account IMMEDIATELY.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

All of this information is listed on my credit file and is in error. Per the Credit Act of 2020 section 401, this should be removed as I don't have agreement or contracts authorization these inquiries. I've checked with the bureaus and they are unable to validate but refused to remove. 

XXXX XXXX XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX/XXXX  XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXredit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-07-12
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: Experian Information Solutions Inc. (MD)

I have requested XXXX of XXXX from Experian and have not yet received a response from Experian verifying or validating the bankruptcy listed on my credit report. Experian did not respond or complete the investigation of the disputed bankruptcy within the required timeframe as outlined by the Fair Credit Reporting Act ( FCRA, U.S.C. 1681 et seq. ). I have the right to request a description of the procedure used to determine the accuracy and completeness of the disputed information. On XX/XX/2021, I sent a letter certified mail to ensure deliverability requesting Experian provide me their investigative procedure ( Method of Verification ). On XX/XX/2021, at XXXX XXXX. the letter was delivered and the thirty ( 30 ) days to complete investigation and response with the Method of Verification began. As of XX/XX/2021, the XXXX grace period given to respond to my request expired without a response to my request. On XX/XX/2021, I sent Experian a follow-up letter via certified mail to ensure deliverability requesting their Method of Verification. On XX/XX/2021, at XXXX p.m. the letter was delivered, to date I have not received a response. Experian has failed to provide me with the requested information I am entitled to under the Fair Credit Reporting Act. Therefore, I would like Experian to delete the unverified item from my consumer report and refrain from continually reporting the unverified information.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (RI)

On XXXX around XXXX I went to TD Bank in XXXX RI I went through the drive thru and tried to deposit {$400.00} the atm machine in drive thru the screen went blank it didn't return my money or receipt but it did keep the {$400.00} .I immediately went inside and spoke to the manager that was working that day. 
At first she didn't believe me but I explained to her that I'm on camera and you can see me depositing the money into the atm. She had me fill out a complaint form. The next day I get a call from the manager she said they found the money and deposited back into my account. 
On XX/XX/XXXX I go to TD Bank on XXXX XXXX RI I go to the drive thru at about XXXX XXXX I forgot that, that one doesn't have a teller so I used XXXXhe drive thru atm, I deposited {$400.00} again the machine takes my money I go inside I explained to them what happened. I had no issues because again I'm on camera and I believe the employees where watching me when I pulled to atm .The next day I get a call from this branch stateing that they deposited the money. 
I get a letter in the mail stateing the transactions that took place and how they deposited the money which adds up to {$800.00}. 
On XXXX I get a letter in the mail stateing that there was a second investigation and that they'll be taking the {$800.00} dollars back. 
Since then I called made complaints tried to speak someone in a higher position before I took further action. Noone has contacted me or emailed me about this situation at all it's been about 7 months nor returned the {$800.00}
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/21 my wife 's debit card associated with our joint checking account at Wells Fargo was physically stolen and used to make four fraudulent purchases at XXXX XXXX - 3 for {$280.00} and one for {$250.00}, totaling {$1100.00}. We alerted Wells Fargo to the fraud on XX/XX/21 as soon as we became aware of it. Wells Fargo initially reviewed the transactions and agreed that it was fraud and credited our account back under their Zero Liability fraud policy. In a letter dated XX/XX/21 they then informed us that they were clawing the stolen funds back as they had determined it wasn't fraud even though their own anti-fraud system activated and declined two additional attempted fraudulent transactions at XXXX on XX/XX/21 in the amounts of {$410.00} and {$290.00}. Worth mentioning that my wife 's PIN was not entered on any of the above transactions. Wells Fargo has given multiple illogical reasons for denying the claim and they are in order as follows : 1 ) Their rep incorrectly identified our last valid transaction ( in which she used her PIN ) as a XXXX transaction for {$60.00} earlier in the day, when the last valid transaction was one shortly after it for {$210.00} ( also using her PIN ). Neither of these amounts were included in the fraud claim.

2 ) The chip security chip was used during the transactions < -- yes, because her card was physically stolen and used at a nearby location as indicated from the very beginning 3 ) The transactions were in our geographic area < -- see number 2 4 ) No additional fraud attempts were made after we alerted Wells Fargo to the fraud and they cancelled the card. < -- Wells Fargo 's own internal transaction report that we requested ( attached ) disputes this as it shows an attempted fraudulent charge on XX/XX/21 for {$570.00} after the card had been deactivated.
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TN)

I received a text from XXXX stating a charge had been made that I needed to verify. I did not make the charge and they proceeded to tell me they needed to get all my information to put the money back in my account. They got my banking information and withdrew XXXX. Out of my account. The name was XXXX XXXX and the phone number is XXXX. I am closing my account but concerned about my credit.
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 I earned to check payments from the cafe I work. My boss forgot to include one letter of my last name on my check and when I deposit it CITIBANK blocked all my accounts. I have rent to pay I have bills to pay but CITIBANK is not any bit of help. There is always a problem with verification or god knows what, the representitives are rude and not helpful also. Once I was tring to tranfer my school payment but there was a problem according to the representitive on the phone I had to call my bank from the number that was in the records which I was doing for about 6 times!!!!!!!!! When I called the bank they said that I should send the money with XXXX, the amount was {$15000.00}!!!!
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

On XXXX I started purchase of automobile motor from XXXX XXXX XXXX for a payment of XXXX from my debit card ending inc XXXX from USAA. Later I used my credit card ending in XXXX from USAA for XXXX on XXXX. Total amount paid by this date was XXXX. I have never received my motor and have yet to have a refund for this fraudulent transaction. I no longer wish to be a consumer in XXXX until this is solved. Please help!!!!!
Consumer complaint received 2022-06-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX  : XXXX Misleading false reporting unverified/inaccurate date last active and date open list XXXX. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXXXXXX : XXXX Misleading false reporting unverified/inaccurate date last active and date open list 3. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation 4. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX XXXX XXXXXXXX Delete account for failure to perform an investigation per fcra regulation
Consumer complaint received 2021-10-25
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)

I have been a victim of identity theft for over 4 years. Someone has consistently use my information to fraudulently obtain accounts including bank accounts, loans and cars. The bureau has all of the information pertaining to these incidents, yet the accounts are still on my credit. One account was removed previously and is now being reported again. The person that is using my credit is believed to be a family member. I have sent in updated police reports as well as FTC reports to document these incidents. I want these fraud accounts removed from my credit immediately.
Consumer complaint received 2022-06-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NH)

I am a student. My loans have been in deferment while I am in school. However, Sallie Mae neglected to inform me that my in school deferment would run out last semester. Now my overdue balance has skyrocketed to a point I can not pay. I am requesting for Sallie Mae to bring my account current and work with me to reach an agreement where I can afford to survive. This should not be this difficult. 

I have spoken with them numerous times and each time they demand I make the overdue payment, which I tell them I can not afford. They are unprofessional and should be ashamed to work for such an organization.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

After having a Paypal account for many years, Paypal sent me an email stating " You can no longer do business with Paypal. '' Needless to say, I was shocked and upset when I found out this happens to many people trying to use their services for legitimate reasons. I have been a private tutor for the past 6 years working for a well-established company. I recently decided to branch out on my own and begin freelance tutoring. After the first XXXX clients paid me via Paypal I received this email. I spoke with a representative from Paypal today who has informed me they can not tell me the specifics of why my account is permanently limited. This pay platform is XXXX of the most trusted and used for my client base and I feel wronged for having my account closed. Paypal has also informed me they will hold onto the money in my account for 180 days then determine if I can have the balance due me. I am not sure what I can do as I am an upstanding person who pays taxes and lives by the letter of the law. I would love to be able to use Paypal again and find out why I was banned and rectify it as I am sure it is a mistake. Please if there is anything you can do to help me retrieve my funds or open my account again I would be very greatful. If nothing else, I hope this does not happen to others trying to run a XXXX person business.
Consumer complaint received 2022-06-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I AM PAID IN FULL- ON XX/XX/XXXX SELECT PORTFOLIO PAID TO HAVE MY HOME VADELIZED BURGLERIZED AND HIRED A COMPANY TO KEEP ME OUT OF MY RESIDENCE TO INCLUDE FORCE ME OUT WITH PHYSICAL FORCE- I LOST OVER XXXX OF PERSONAL PROPERTY AND MY INHERITANCE AND BUSINESS - MY BUSINESS HAS A XXXX CONTRACT LOST AFTER THEY COMPLETYELY LIED TO ME REFUSED A PAYMENT AFTER THIS CRIME ON MY MARITAL HOME- THEY PAID THE JUDGE TO FRAUD AN ORDER ACCORDING TO THE CRIMINALS THEY HIRED TO VIOLATE MY RIGHTS TO ENJOY ME HOME- AS THEY GALKED AT HOW THIS WAS FOR XXXX, OOO IN LUIE OF FORECLOSURE WHEN MY MORTGAGE WAS NOT LATE AND WAS UP TO DATE- I ASKED THEM TO REPAIR MY HOME THEY LIED TO YOU AS YOUR WHY I WAS ABLE TO RETURN IN XX/XX/XXXX AND I HAVE 4 RECORDINGS OF THE RELATIONSHIP SPECIALIST SAYING WHO EVER TOLD ME I COULD ASSUME THE LOAN TELL THEM THEY ARE LYING AND TO CALL THEM - AND THEY WILL EXPLAIN I TOLD HER ITS OKAY I GOT HER RECORDED- AND SHE SAID SHE WAS SORRY THE Lawyers are XXXX  and are lying to the point of criminal acts to steal my home- but they can not help me as the judge fraud and took a fordgery document to transfer a tittle to a man hired by the company named XXXX XXXX the XXXX who was also couyrt apt ? but he does this a lt he is a proffessional in mortgae fraud and breach of duty its how i learned its what they are doing to me- is there some way ypu can get FBI OR SOMEONE TO LOOK INTO THIS WHITE COLLAR CRIME AS I LOST ALL I OWN AND CONSUMER PROTECTION IS THE ONLY HELP I GET- PLEASE PLEASE PLEASE HELP ME- I PAID FOR THIS DEPT AND THEY CAN PAY ME FOR MY LOSSES OR MY HOME- AS IT A FINNACIAL CRIME AND THATS THE REMEDY.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BERKSHIRE HILLS BANCORP, INC (MA)

i deposited two checks on XX/XX/22 in the amounts of {$1900.00} and {$1200.00}. I waited until the checks 'cleared " the bank. They were in pending status until XXXX when the funds were made available to me. On XX/XX/22, I deposited a check in the amount of {$1900.00} via mobile deposit. I again waited until the funds were made available to me. These were checks mailed to me for products I sold. Since the funds were made available in my account, I spent the money. Then on XX/XX/22, these checks bounced and Berkshire Bank took the money from my account. I then made two more mobile deposits on XX/XX/22 for {$1200.00} and {$1800.00}. Again the funds were approved and made available to me. Then on XX/XX/22, the money was taken out of my account because the checks were not good. In all instances, I specifically waited until the money was made available to me prior to spending it thinking these checks were ok. When I contacted Berkshire, they told me that I should have known better not to use the money for a few days. How am I supposed to know not to spend money that is made available in my funds. What is the waiting period? This makes no sense. Once money is made available, I thought the bank made sure these checks were in good order prior to making the money available to me. Now to cover my bills, I had to move money from my savings to cover the money that Berkshire Bank made available to me, then took back. This is not right. Something needs to be done about this. I am out a lot of money and I need it back. This is not my fault that the back did not do a complete check on these funds prior to giving me the money. Any assistance you can offer me would be so much appreciated. Thank you.
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Two problems : 1. I paid my property taxes during close of refinance XX/XX/XXXX ( for the XX/XX/XXXX property taxes. ) I also paid them an additional 6 months worth of property taxes to be applied to the escrow account for the XX/XX/XXXXproperty taxes. 
***The title company never paid the property taxes for XX/XX/XXXX. We discovered this when we received our new Annual Escrow Account Disclosure Statement on approximately XX/XX/XXXX. I called AmeriSave 's XXXX  escrow division who after multiple calls and asking for supervisors finally discovered the Title company did not pay the XX/XX/XXXX property taxes. The title company refunded to me on XX/XX/XXXX the amount they were supposed to pay and I immediately made payment directly to XXXX  for that exact amount to replenish my escrow account. I also did the same for the tax penalty the title company refunded to me on XX/XX/XXXX. 

2. XXXX  also overpaid my property taxes. In XX/XX/XXXX they paid the XX/XX/XXXX property taxes. Then in XXXX they paid the full 2020 years ' property taxes, even though they had paid the prior month. Which they can see in their records that they've erroneously over paid the county for these property taxes. 

Since XX/XX/XXXX I've been hung up on, told that my escrow account is correct, and finally when they see their errors they say it may take up to 3 more months for them to correctly replenish my escrow account correctly. In the meantime they have advised me that IF I DO NOT pay their incorrect mortgage payment, which was set to be {$1200.00} more than my correct payment, that my underpaying my mortgage would result in them reporting to credit agencies that I underpaid my mortgage, which would result in a negative on my credit report. 

I've even contacted the head of Amerisave mortgage and had a contact there that said she assured me she would stay with me and that this would be resolved today, XX/XX/XXXX. As of today she has not returned my last email and phone message to her of XX/XX/XXXX. 

I have everything documented and have the exact paperwork and copies of the refund checks reapplied to the escrow account, etc.
Consumer complaint received 2021-10-31
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. (DE)

This account does not belong to me. Neither do these inquiries- 1. XXXX XXXX XXXX XXXX- XX/XX/2021 2.XXXX  XXXX- XX/XX/2021 3.XXXX XX/XX/XXXX. 2021 4. XXXX-XXXX  XXXX, 2021 5. XXXX XXXX. 2021 XXXX. XXXX XXXX XXXX , 2021 7.XXXX XXXX XXXX- XX/XX/2021 8.XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2021-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I have a PayPal bank account I used this PayPal bank account to receive unemployment payments to this account I was approved for unemployment benefits they backdated the payments I got a total of nearly XXXX dollars I received it in my PayPal account but when I went to go put gas in my account was on hold, I call PayPal after finding out my account was shut. The lady on the phone from PayPal was extremely rude and said that PayPal was going to hold the unemployment benefits for 180 days before releasing the funds back to me so I asked to talk to a supervisor she said I'm not gon na get one he's gon na say the same thing I got upset and hung up the phone. they closed my account permanently and said I was not able to get my money back for 180 days 6 months I'm on the verge of not being able to pay more bills I can barley support my self let alone my kid and I'm getting so much help from so many people with heroes food or diapers exctedra