davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

The company that complaint is being filed against is Santandar Consumer USA which financed my XXXX XXXX XXXX. Due to challenged credit spouse prior bankruptcy this was the only company we could be approved for Car was purchased in XXXX XXXX I put down XXXX My first payment was due XX/XX/XXXX and for the entire year of XXXX XXXX payment was on time paid through XXXX XXXX XXXX XXXX  and was paid before the due date.Loan was also current in XXXX except for one missed payment in XX/XX/XXXX.I became unemployed XXXX XXXX due to a reduction in force my position was eliminated. I did contact Santandar by mail to let them know.I was still making payment every month one month my check was returned so the next month I made 2 payment. My unemployment ended XX/XX/XXXX, XXXXOnce again I was emailing faxing and mailing letters to Santandar but never received a response. Have not been receiving statements since last year. My last 2 payments were made on XX/XX/XXXX by check and XXXX XXXX payment. I did confirm with my bank that check did clear my account. On XX/XX/XXXX my car was repossessed at a shopping mall. Was never sent any correspondence When I finally tracked down the company where my car was located I was told they were closed for the day at XXXX I was also told I needed a personal property release form faxed to the recovery company to pick up my vehicle .When I contacted the recovery company on Fri XX/XX/XXXX I was told I needed to set up an appointment and that the first available appointment was not until Monday because they dont take same day appointment. When I spoke to Santandar on Thur and asked why nobody had contacted me they said I was on a cease and desist list and I requested not to ne contacted? Well that also means they cant send me Any letters. I told them I made no such request only for them not to contact my Brother in law. They quickly apologized and took me off the cease and assist. I recently disputed a item that Santandar reported to XXXX XXXX that my account was not current. I just received the update when my 2 payment were posted and my account status was updated to current When I went to retrieve my car and belongings on Mon XX/XX/XXXX I was told that Santandar would not release my vehicle. Was told by a supervisor that my account balance was charged off on XX/XX/XXXX and the only way to get my vehicle back was that I had to pay the entire, loan balance off or get it refinanced?? And that Santandar does not refinance there own loand
Consumer complaint received 2019-06-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (OK)

I received an email about a loan/debt collection from a person claiming to be XXXX XXXX from National Credit Collections Collections & Legal Department XXXX XXXX XXXX # XXXX, XXXX, TX XXXX However, the email does not say who the original debt is supposed to be with and threatens legal action if not paid within 24 hours. The email also includes the last four digits of my social security number. 

I believe this is an email scam attempt.
Consumer complaint received 2022-08-04
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. (GA)

I was alerted that my Social Security number and Private Information PPI were being used on the " dark web ''. I contacted TransUnion, XXXX and XXXX and noticed several unauthorized inquiries on my file reports. When I attempted to dispute these HARD INQUIRIES with the three companies, they stated I need to file a police report. I do not want to waste our tax dollars on reporting to the POLICE when the resources are needed for actual human life emergencies. Therefore, I am submitting my complaint to CFPB to investigate per the 15 U.S. Code 1679c and other statutes. 

XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX 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 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 2022-08-04
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: EQUIFAX, INC. (MN)

My credit score from Equifax and XXXX, as reported to me via XXXX XXXX and XXXX XXXX XXXX XXXXXXXX is XXXX Excellent, however, when I recently applied for a mortgage re-finance, the mortgage broker, XXXX XXXX XXXX, received a credit score from Equifax of XXXX. I contacted Equifax and complained, but they stated that the mortgage broker likely used one of their other credit models that was different from the credit model used to provide my credit score to the XXXX XXXX and XXXX services. Using a credit score of XXXX is, obviously, going to result in my having to pay a much higher interest rate on my mortgage re-finance than a credit score of XXXX. A credit reporting company should not be allowed to issue different credit scores like this!
Consumer complaint received 2019-06-11
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. (TN)

Inquiries from XXXX 2018/XXXX 2018 were proven to be fraud and needs to be removed from credit report by all credit bureaus. I have contacted both the creditors and the credit bureaus and Equifax is the only bureau that refuses to remove the fraudulent inquiries from credit report.
Consumer complaint received 2019-06-11
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. (NY)

To whom it may concern im am XXXX XXXX my social security number is XXXX XXXX XXXX born XXXX XXXX XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report theirs a XXXX account and student loans that show negitive and change off i told XXXX credit reporting agencies that their fraudulent accounts. Can you please have XXXX   remove these accounts from my credit report. Thanks
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

XXXX issued a credit for 2 airline tickets to XXXX in XXXX of XXXX. The trip was to occur between XXXX XXXX of XXXX and was cancelled. Instead of receiving my money back XXXX issued a credit. XXXX will not honor my credit because the airline XXXX went bankrupt. Wells Fargo asked me to dispute with XXXX and XXXX is saying to dispute with my bank. No one is giving me my money back. Wells Fargo should approve my dispute and make an exception on this case as Covid was the reason for cancellation and was beyond my control, I never received the goods or services for the flights and Wells Fargo should be responsible for giving me my money back and dispute the transaction with XXXX.
Consumer complaint received 2020-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IN)

This problem involves Navient and the issue of reapplying for my income-driven repayment plan. 

Navient divides my Federal student loans into two buckets : those owned by the US Dept of Education, and those owned by Navient. But I am only supposed to have to complete one reapplication for my IDR repayment plan each year. 

This year, I completed my application in XX/XX/XXXX, many months before either set of loans was scheduled to come out of IDR. My  application was approved. However, Navient only processed it for my US Dept of Education loans, not my loans owned by Navient. As a consequence, inXX/XX/XXXX, I was given notice that I was no longer in the IDR and that my payment was about to increase by a very large amount ( the amount of the standard repayment plan ). Coming out of the IDR also resulted in them capitalizing my accrued interest, which amounted to about {$10000.00}. 

I was able to call Navient and explain that they failed to process my IDR application, and they corrected that error and put me back in the IDR. HOWEVER, they did NOT remove the {$10000.00} in capitalized interest. 
To summarize, Navient failed to process my IDR application correctly, charged me what amounts to a penalty of {$10000.00} because of their mistake, and then failed to remove that penalty when they realized and corrected their mistake. 

I have asked them to correct this, and they might, but it alarms me that it was only because I was closely monitoring my online account that I was able to see that they capitalized my interest. I am worried about who else they may have done this to and am worried that others might not even be aware that they have been improperly penalized.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 

The Credit Bureaus are reporting false and inaccurate information on my report. I have provided proof from the creditor that I do not have any late payments reporting in the months of XXXX and XXXX of XXXX 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2019-06-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Social Finance, Inc. (SC)

I made a regularly scheduled payment to SoFi on XX/XX/XXXX for my payment due XX/XX/2019. After a few days, I went back on to SoFi ( XX/XX/XXXX ) after that XXXX payment had cleared, and noticed that I could make a regularly scheduled payment for the payment due XX/XX/2019, so I did due to the fact I will be away and did not want to forget about it. Come to find out, they applied it as an additional payment instead of the scheduled payment that was due XX/XX/2019. I clicked the bubble that said payment due XX/XX/XXXX, and assumed as anyone would, that the payment would be going towards that XX/XX/XXXX due date. Unbeknownst to me ( no email or any other notification was sent/present ), starting this past XXXX they wont let you pay in advance, although the option was given to make the XX/XX/XXXX payment online. I dont have autopay setup, so I wasnt trying to make an additional payment, or have it take that payment plus another on XX/XX/XXXX. I spoke with the servicing department on XX/XX/XXXX, and asked them to refund the money and so far the attempt has been unsuccessful. As a borrower, it should be against the law to do this, without any notification. I have a screen shot of what the page looked like on XX/XX/XXXX ( exactly as it looked on XX/XX/XXXX ), to fully understand what Im talking about.
Consumer complaint received 2019-06-11
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: ID Analytics, Inc. (CO)

I bought a car through XXXX in XXXX. They used XXXX to pull my credit. I got 3 letters in the mail to different addresses, my home and business saying I had a XXXX score through XXXX saying I was denied the lease. My credit is over 700 on all the reputable sites ( XXXX, XXXX, XXXX ) I  called the car company and they said had I been denied, I never would have left the parking lot. I looked this company up online as I had never heard of them before and multiple people have run into the same problem and say this is Spam/Fraud and should be reported to this site. 

1 ) I have my credit frozen. So no one should be able to pull my credit score without me unfreezing it.

2 ) They are trying to get me to send them personal ID and financial information via snailmail, but don't give you access to a website.

3 ) It said I was a co-applicant, when I was not.

4 ) The reasons for my credit being " low '' with them make no sense. I have 20 years of credit history, yet it says I have limited credit history and not enough debt experience.
Consumer complaint received 2020-07-08
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I went to the Wells Fargo location located at XXXX XXXX XXXX XXXX XXXX California XXXX. 

I went there to perform currency exchange after directed to the location by corporate customer service. 

Despite the corporate office explaining to me in detail that an account was not needed in order to conduct currency exchange, the location asserted that an account needed to be opened in order for them to conduct the currency exchange request. 

As such I obliged their request to open a checking account for the purpose of the currency exchange. 

They then told me that there was an account from 2012 that was in my name. They said that they could not reopen the account until I paid the XXXX. As such, despite having no recollection of the account and having had never received any notification of any previous account, I paid the XXXX for the unsubstantiated 2012 account. 

They did not reopen the account but created a new account to which they told me I needed to pay an additional XXXX deposit. As such I did. 

They then allowed me to conduct my currency exchange request. They informed me that meeting their demand to payoff the aforementioned 2012 account meant that my account was once again active and running. 

As such I immediately performed an ACH Bank to Bank transfer to my Wells Fargo account in the amount of XXXX. However, I was informed by email the following day that my account was set for closure on XX/XX/XXXX due to early warning services. 

The entire situation was unfathomable. Firstly, there was no need to have an account in order to perform currency conversion. Secondly, the 2012 account had not been substantiated and I would not have paid XXXX to reopen such an account and pay an additional demand for a XXXX deposit should the access until be set for closure the following day. 

I, without a doubt, was unequivocally taken advantage of in the worst way and lost money and incurred financial damages as a result of the false promises and misleading information provided by the branch.
Consumer complaint received 2021-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (CA)

Every month I pay My care credit early, as soon as I get paid. I paid XXXX on XXXX and have been on time every single month. Well my XXXX payment came and they said I have a late fee and need to pay XXXX. I have called them immediately trying to dispute how this is possible if they saw on their end I paid each month on time, they verified the information was indeed correct. However their billing cycle from the 1st to the 3rd any payments that get in by that time will be applied to the previous month. Now I have went over the entire contract and no where does it say a customer paying more of the amount requested is not allowed to pay their bill early. Well long story short they said there was nothing they can do on their side. I spoke with the supervisor, manager, and even filed a complaint to billing because thats all they can do. They want to keep adding to my late payments and I do not think its fair as a company to do that to a customer who has been more on top of her payments, have paid early and never missed a payment. They should be able to fix their mistake and take off my " late fees '' because I was early for each month.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NH)

In XXXX I responded to an offer for a 0 % promotional rate for a balance transfer for one year. Payments were set up to be automatically withdrawn at the minimum payment rate. Balances from two other cards were transferred on XX/XX/2019 in the amount of {$15000.00} and I was charged a balance transfer fee of {$470.00}. The first automatic payment was incorrect and Citibank attempted to collect the full amount of the transfer. I contacted Citibank about the issue and they indicated that it was resolved and the account was set up to withdraw the minimum payments. I saw the payments coming out and thought things were all set. I recently did a review of my account and noted that I was being charge interest on the balance. I called Citibank today to question the interest charges and they reversed their earlier position and indicated since there was an initial issue with first payment that I was no longer entitled to the promotional rate. Note that at the time of the transfer there was a XXXX balance on the account and no other charges have been made.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Between XX/XX/XXXX and XX/XX/XXXX, there were 4 fraudulent transactions of {$1100.00} on my credit card ending # XXXX. Bank of America detected these transactions and sent me a phone message to verify is this was me. I said no, and immediately contacted them to cancel the card and open the investigation. 
XX/XX/XXXX. I received notice in my Desktop app of Bank of America, stating I responsible for all four transactions, as follows Our records indicate that the card was present at the time of the transaction ( s ) as the chip on your card was read. In addition, your PIN may have been entered or a signature obtained. As a result, youll be responsible for the balance on the account in accordance with your Account agreement. Since Desktop app way was the only was I was notified ( no email or mail ), I noticed this message by end of XXXX. Bank of America provided no further evidence for the statements above. 
XX/XX/XXXX. I personally go to Bank of America, with a document written, asking them to re-open the case, and provide me the following : 1. The exact timing of transactions ( made with credit card ending # XXXX ) between period XX/XX/XXXX to XX/XX/XXXX. Apparently these were in-store transactions which I have never authorized. What is more significant, credit card was with me all the time. Thus, I asked for this information because I could possibly prove that I was not present during these transactions. 
2. Proof that my chip card was read, in addition to the proof that either PIN was used or my signature ( with signature scan ) 3. List of all transactions attempted with credit card ending # XXXX in the past two years, that is between XX/XX/XXXX and XX/XX/XXXX. This was related to two things - a ) I suspected that there could be more fraudulent transaction attempts, which are not visible to me as an end-customer of BoA, b ) I havent been using the card ending # XXXX, ever since I opened another reward card for better in-store deals ( that is in past two years ). 
XX/XX/XXXX. I got mail from BoA, stating, " We've received your dispute regarding our decision on the fraud claim. Our decision hasn't changed '' Bank of America provided me no evidence about their investigation that I have asked for, I was found responsible for transactions even though I stated I haven't done it in via messaging system, and their communication with me was done very poorly and scarcely.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, Transunion, XXXX  all display record of " delayed payment '' related to an old car lease through XXXX XXXX XXXX. in 2018 when the car was submitted at to the dealer to end the lease, another vehicle was leased with the agreement that the dealer will pay off the remaining balance of the first lease to the leasing company. However either this payment from the dealer was not done in a timely fashion thus caused a delay in payment, or the leasing company did not report the payment balance appropriately causing negative impact on my credit report. My credit has been negatively affected as a result. Dealer information XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone. XXXX Fax. XXXX XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.