davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: SANTANDER HOLDINGS USA, INC. (PA)

On XX/XX/XXXX, I filed a CFPB complaint on XXXX XXXX regarding loan modification RESPA violations and as of this date, they have not provided me or my third party representatives with any answers regarding the principle amount of the loan modification, if the loan modification of 7.375 % conforms with FHA loan limits, or fixing errors on my credit report. I need this information to make an informed decision on their reinstatement offer or they will foreclose on the property in XX/XX/XXXX. They stated in the offer that the agreement is time sensitive and that the new interest rate goes into effect XX/XX/XXXX. Their actions have shown that they are not in the business of helping me keep my home but making every effort to bury me in debt. 
Santander has violated RESPA laws on many occasions such as reporting me to the Credit Bureau for missed payments during the Covid-19 Forbearance period ( See attached XXXX ), as well as reporting for missed payments when I made a payment on XX/XX/XXXX ( See attached XXXX XXXX ), and refused my payment on the following month, XX/XX/XXXX. They reported me to the Credit Bureau for that month and their actions has caused my score to drop to the low XXXX ( See attached XXXX XXXX XXXXXXXX ). Santander has been misreporting from XXXX  till XXXX  while they process my application. They are in violation of RESPA laws and have yet to tell me when they will correct this problem. 
Other examples of unethical business practice 1. XX/XX/XXXX, I submitted my loan modification application and reached out to HUD for assistance. The representative asked Santander for a status on my application XX/XX/XXXX and never received it. On XX/XX/XXXX, the representative emailed Santander on the status of my application. A response on my loan application, as well as them addressing the high interest rate on my FHA mortgage was never received ( See attached XXXX  ) 2.I submitted my loan modification application XX/XX/XXXXXXXX  and the process was drawn out till XX/XX/XXXX. When the appliction was sent they asked for documentation. When I would send the requested docs, they would ask for additonal information ( See attached *XXXX ). They did this more than ten times while threatening me with court documents to foreclose on the property. I was left with no other option but to file for bankruptcy. The bankruptcy was discharged because I missed my court date since I was hospitalized due to mental health reasons caused by the stress that Santander was and is still putting me through. 
3. While Santander 's underwriters would be reviewing my application, they were reporting me to the Credit Bureau for missed payment. They would refuse my payments stating I had to wait to be reinstated and still misreporting me to the Credit Bureau ( See attached XXXX XXXX and XXXX XXXX XXXX )
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I asked the company ( Bank of America ) not to close my account. I do not want the account to be closed, and I have XXXX 's of bill payments from my account ending in XXXX at Bank of America. I ask that my account is reinstated and put back in active status by Bank of America. I asked for the company ( BOA ) to reopen/reactive my account ending in XXXX. I am a member in good standing, always, and I pay my bills at the time each time. Please confirm in writing by both EMAIL and US Mail. I would like to hear from XXXX XXXX of Bank of America. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

This is to obtain a return for money wired through Chase Bank by me, XXXX XXXX, on XX/XX/20. The amount wired was {$2500.00}. I spoke with a bank executive and he recorded the details, then said I would be notified by mail if they could help. I was never notified. When I went to the bank to ask them about it, they said they would not be able to help me any further. I feel like they could have done more to help me. 
The money was sent from a request of a scam artist. I, did not know that it was a fake anonymous person. That's my complaint and I'm sorry for the inconvenience but I'm still would like to get my money back.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MN)

PayPal has a service called PayPal Key, which acts as a virtual card that generates a unique number and allows you to charge underlying cards you attach. This provided an easy way to manage multiple credit cards, as I can switch the underlying card easily and only need to remember and use one number rather than multiple. PayPal acts as an intermediary and charges my credit card, then facilitates the payment to the merchant. 

PayPal has permanently limited my PayPal account. However, the funds they have locked are refunds due to PayPal Key Transactions. Instead of refunding to my underlying credit card, PayPal refunds to my balance, which they are limiting. Essentially, PayPal is charging me for the transaction, and denying my refund from the merchant. The transaction in question relates to : Transaction ID : XXXX {$5300.00} I do not see how PayPal is allowed to hold my funds and block refunds on an account that was solely used for PayPal Key transactions. PayPal also will not allow me to dispute this transaction with the merchant to resolve it, as they have blocked my account from that feature!
Consumer complaint received 2021-06-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I Have been a customer with USAA for Years. I'm not sure what has happened to their customer service but its be horrible lately. I have begged to speak with a manager the last 4 times i called. Because for some reason my payments were not being automatically withdrawn like i setup. The issue is i was also losing my automatic withdraw discount as well as missing payments. In the pass not only had i made my payments on time i actually paid ahead if you check my history. USAA failed me in regards to customer service. I shouldn't have had to call that many times begging for a managers assistance. As of yet i have not spoken with one. Had i received help from a manager my auto polices would not have been cancelled. I'm a nurse who works 16-18hr shifts i shouldn't have to spend hours on the phone begging for help to no avail and still end up having no insurance. i RECORD my phone calls so i can provide these to USAA if they'd like as proof
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

Hello back in XX/XX/2021 i had XXXX internet, there internet was week so i called and told one of the representatives that the signal kept going out so i decided to leave XXXX  internet so i paid XXXX internet {$120.00} dollars and XXXX and i told the representative to cacel my service i was going to another internet provider .this was XX/XX/2021 i had settled my bill with XXXX  XXXX. Idon, t know why they are trying to get money from me that i don, t owe i disputed this clain before.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.


15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-01
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: Experian Information Solutions Inc. (TX)

I contacted credit bureau about 30 days or more late payments on my accounts I was told that the information is correct. 
I contacted XXXX XXXX they have stated that there is no late payments
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-01
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. (TX)

I contacted credit bureau about 30 days or more late payments on my accounts I was told that the information is correct. 
I contacted XXXX XXXX they have stated that there is no late payments
Consumer complaint received 2021-06-04
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I hope you can help me with an issues I am having with Kohls. I had a balance with of {$1900.00} on XX/XX/2021 at XXXX I call to settle on this amount. During the conversation I told them I wanted to settled on the {$1900.00} they first offer me {$1100.00} I said NO I wanted it at 50 % which was {$950.00}. She kept asking me if I wanted to do two payments and I said no I want to settle for the XXXX. She then put me on hold and came back and said " would you like to make the XXXX in two payments '' AGAIN I said NO one time payment of {$950.00}. She ask how I was gon na pay I said my bank card she took my card number and ran the payment. The payment was taking out my account on XX/XX/2021. On Tuesday XX/XX/2021 Kohls call me asking me for the remaining balance on my account which was {$960.00} I am really confuse at this point because this was settle for the {$950.00} a one time payment. 

Today XX/XX/2021 I call Kohls to see what is going on. OMG this is was a nightmare. Two hours on the phone and still nothing is settle. 
They are trying to tell me that I call them back and cancelled the the payment of XXXX at XXXX now mind you I call them at XXXX and was on the phone for over XXXX mintues so how Could I call and cancelled when they were running my payment around that time. I have the recording of this call on XX/XX/2021 at XXXX you can clearly here that it was a settlement and a one time payment. When I try to fix this Kohls they have been giving me the running around and all the keeps saying is that I call back and cancelled it. 

They wouldnt even let me talk to a supervisor so they could listen the recording to see that they are the ones that made a HUGE mistake. They need to fix this or I will do a charge back and they will get nothing..
Consumer complaint received 2023-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to express how seriously I am taking this matter, and I want you to understand that I am not making empty threats. It is essential to adhere to the law, and I am fully prepared to take legal action against your company if necessary. I have taken the step of sending you certified letters, requesting the removal of inaccurate information from my file, but unfortunately, my concerns have not been addressed. It is crucial that you comply with the Fair Credit Reporting Act and take immediate action to correct the inaccuracies in my file. Failure to do so may leave me with no choice but to pursue legal recourse to protect my rights.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (ID)

Fraudulent phishing scam. Pretending to be Wells Fargo Bank to access personal info. Please hurry. They got some info before I realized something wasnt right. FRM : WELLS-FARG0 Bank.Debit LOCKED SUBJ : Contact ( XXXX ) XXXX XXXX : XXXX XXXX
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I had three credit cards with chase. I had financial hardship and couldnt keep up paying all three of my cards. One of my chase cards i fell behind on the payments and they closed that card. The other two cards were in good standing, no 30 day late payments on my credit reports, chase decided to close those cards as well. Before they closed those accounts, they lowered my credit limit which triggered my untilzation to go up and eventually they closed my account. Chase bank also charged me interest on all the closed accounts, they also are charge me late fees on the closed accounts that they closed. After chase closed my accounts this triggered XXXX XXXX not to issue me a new XXXX XXXX XXXX XXXX that was expiring because they saw the reporting of chase closing my accounts. My XXXX XXXX was in perfect standing as well by the way. Now my credit is gone and im left to pay credit cards that keep accumulating interest and late fees.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (NY)

I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (DE)

Experian XXXX out my credit score without any communication or explanation. I need my credit score reinstated. This is the second time I'm going through this process. Their response about needing my contact information is bogus, as I provided all of that information in my previous complaint. 

My credit score was XXXX in XX/XX/2020. How can it be XXXX today without any derogatory transactions or information hitting my credit? 

I need my credit score reinstated. How can companies do this and CFPB does ABSOLUTELY NOTHING?
Consumer complaint received 2021-07-01
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: VW Credit, Inc (NY)

the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft VW CREDIT INC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXXXXXX This is not mine.. 



5. Identity Theft VW CREDIT INC Account Number : XXXX This is not mine.
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-09
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. (PA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion LLC deleted XXXX XXXX off my credit report on XX/XX/2021 per my request. They didn't pay me {$1000.00} as I demanded pursuant to 15 usc 1681n civil liability for willful noncompliance for having XXXX XXXX on my credit report in the first place without permissible purpose 15 usc 1681b.
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (CA)

According the FCRA, XXXX and Experian have violated at least XXXX laws while trying to verify my credit report. Please see infractions below : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Consumer complaint received 2022-06-21
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. (NY)

Hi I am submitting this XXXX XXXX this isn't 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 three 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.