davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (CA)

On or before XX/XX/21 I was in a case accident which in turn was deemed totaled. I filed for my claim with my insurance and received the amount due. There was a balance in which my XXXX was to pay off after putting in my claim, my finance company, Chrysler Capital did not ( per both parties ), send in their paperwork in a timely manner and my claim to payoff my totaled car, so even as today, I have on my credit report which is going up, as still outstanding as not paid! I am furious!!! Nobody even after paying my premiums on time, has acknowledged nor attempted to pay in full my pending balance as of XX/XX/21. COVID, caused me a hardship and was hospitalized and since the accident, I have not had the opportunity to purchase another car because of the non responsiveness of both Chrysler Capital & XXXX. Im a senior citizen whos XXXX and need transportation. This is not my fault. Someone need to take full responsibility for leaving me without transportation. Im also on oxygen since COVID and walking to a bus stop is impossible. Thank you
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022, I received a Bank Of America credit card. Thinking it was a replacement card for one that was about to expire. After thinking a bit ; I realized that I do not have any accounts with Bank Of America and immediately called them on XX/XX/XXXX with my concerns. They told me that they would have to investigate and made sure that credit card was closed. 
Then on XX/XX/2022 ( while I was on vacation ) someone applied for a credit card with XXXX XXXX in my name. I received a letter in the mail asking me to contact them which I did and they told me that they would deny this application. After explaining that this was the second time this had happened ; they suggested that I contact XXXX. XXXX told me I should contact the FTC and file a complaint which FTC switch me over to you. 
I do not know if this is connect but while I was on vacation I had my mail held till I returned home on the XX/XX/2022. Since returning I have had trouble receiving my mail. Went to the Post Office to see if they were still holding my mail which was not the case. So I called their toll free number and they are investigating the matter. They even gave me a case number.
Consumer complaint received 2022-05-16
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. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged the following items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Avant Holding Company, Inc. (VA)

This company is making phishing and fraud attempts. I received an email today asking for a XXXX XXXXXXXX  review. It was a dead link. The company shows user as logged in even tho I have never even been to their site. It leads to a form requesting social security number, dob and other personal information. I did not fall for this. I believe they are attempting to steal identities as they request all the personal information required to open accounts.
Consumer complaint received 2022-05-16
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports :
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NV)

I learned about this debt after being denied at an apartment complex. It was ran by XXXX and I was denied because XXXX XXXX has turned over debt to national credit. I am not sure who owns this debt. The debt is inaccurate. XXXX XXXX owes me money and refused to provide proof of the costs. XXXX XXXX simply told me this would follow me. This debt through XXXX XXXX  does not appear on the traditional credit bureaus. XXXX XXXX NEVER PRODUCED A INITIAL LETTER WITH MY RIGHT TO DISPUTE. I went through the XXXX ( See attached letter as this is what I want addressed here ) and all they gave was an unresponsive and generic response. They need to remove this and send me an initial letter giving me a chance to dispute. Ive sent them emails. They dont respond. Or return phone calls or messages. The XXXX time they called me was around almost XXXX in the morning which is a violation in its own self. I want the attached letter answered. I will not stop until thats done whether through this means or a regular lawsuit or a class action.
Consumer complaint received 2021-12-18
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)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Consumer complaint received 2022-06-29
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)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

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.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (CA)

I have reached out to both the creditors and bureaus and neither has given me resolution .... in my search for resolution I came to realize that my rights had been violated by -XXXX  XXXX XXXX XXXX XXXX -XXXX  # XXXX in accordance to the Fair Credit Reporting Act... .these creditors violated the following 15USC 1681 section 602A states I have a right to privacy...

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or consent these are clear violations
Consumer complaint received 2021-06-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I have tried to pay-off this loan since XX/XX/2020. I requested the pay-off amount and was told that the loan could not be paid off without first receiving a pay-off letter from PHH. It was not a problem but during that time, the mail was slow. I requested the pay-off amount through via secure email and was told that was not possible. I did submit this issue to this agency but did not see where proper resolution occurred. In fact, the check that was forwarded to PHH ( {$35000.00} ) was returned. 

I have been paying ahead $ 5000 monthly. The balances received have not been reflective of the payment amounts -- interest and principle. The balance is now approximately {$10000.00} and I am now past due. 

This month, I received a past due payment amount of {$390.00} although the previous amount paid in XXXX was {$5000.00}. The XXXX payment was {$1000.00}. This could affect may credit rating as well. 

This company is intentional about discouraging pay-offs and is actively engaging in practice that could be considered as discriminatory. The practices that I am seeing appear to be not even legal.
Consumer complaint received 2022-01-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc. (PA)

I, XXXX XXXX, a consumer, extended my credit to Carmax Inc on XX/XX/XXXX. Pursuant to 15 USC 1679a ( 2 ), a consumer credit transaction was completed to obtain a XXXX XXXX XXXX for personal use. After receiving my vehicle 's Certificate Of Title, and Delaware Dealer 's Reassignment I took my vehicle and documents to a tag shop which was a Pennsylvania Department Of Transportation affiliate to get my vehicle registered. After registering the vehicle it was noticed that XXXX XXXX USA was labeled a Lien Holder in error. I sent XXXX XXXX USA a Debt Validation letter per the CFPB to Validate any alleged debt. XXXX XXXX XXXX responded per the CFPB stating that there was no debt, but CarMax needed to contact XXXX XXXX USA to rectify the error. CarMax was notified and contacted XXXX XXXX XXXX to release the title to CarMax instead on XXXX XXXX, the consumer who is the rightful owner. CarMax is now labeled a Lien Holder on my Title Number # : XXXX.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

Please refer to Complaint Number XXXX, which I incorporate into this complaint by reference. I repeat and reallege all allegations of that complaint as though fully set forth herein. 

I MAKE THIS COMPLAINT AGAINST BOTH PAYPAL AND VENMO. VENMO IS IN SOME FORM OF SUBSIDIARY RELATIONSHIP TO PAYPAL. 

Venmo/PayPal XXXX through its own fiduciary failure has frozen {$2000.00} that was deposited into my brand new and only Venmo account. Venmo support sent me an email saying essentially because of their own workload considerations, that they will take 7 days to two weeks to free up these funds which they had no right to have locked in the first place. 

This is a gross fiduciary violation. Venmo / PayPal should be enjoined by the federal government from operating unless and until they correct their abuse of their fiduciaries ( in this case myself and the relative who sent the {$2000.00} ). We used Venmo on the good faith belief that Venmo would not engage in its fraudulent misconduct and fiduciary abuse. 

Announcing that it would take up to two weeks for them to reverse their egregious abuse and theft of these funds constitutes WILLFUL, KNOWING theft of the funds, and WILLFUL, KNOWING fiduciary abuse.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I fell behind on my loan back in XXXX of XXXX due to my divorce. My income was reduced by 50 % which caused me to default on the loan. I made several attempts to reinstate the loan but could not afford to do so. I applied for a loan modification but did not qualify due to my lack of income at the time. I got so far behind and in fear of foreclosure that I had to relocate in order to find a new better paying job, which still did not afford me enough money to bring the loan current. I have now been in the process of applying for a short sale for the past 6 months and have brought several offers to the table but SLS is not taking into account the repairs that the home needs which is why I have not received any offers that will pay off the balance of the loan in full. The appraised value of the home came in at {$120000.00} on XX/XX/XXXX and I have submitted various offers above the appraised value for the short sale and SLS outright refuses to accept any of the offers and will not provide the minimum amount that they are willing to accept in the short sale, basically refusing to work with me on any resolution that I attempt. Please help me get this resolved, I am trying to rectify the default but the lender refuses to work with me and I do not want to suffer the consequences of a foreclosure on my credit when I have been trying to resolve this for close to two years.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (UT)

I have attempted to apply for an Apple Card through Goldman Sachs 5 times. I have been rejected 4 times. 

After the second time I was told to contact a number of credit bureaus to correct any inconsistency in my records. I did so by calling XXXX who corrected my phone number. After the designated amount of time ( 5 business days ), I was directed to apply again so changes could reflect on the side of the bank. Thus I continued and applied again. Again I was rejected. I asked to raise a formal complaint and was promised to have attention to this by superior management. I did not receive any feedback. 

During my last call with XXXX on XX/XX/2023 I confirmed - verbally- all of my contact information, my social security number and my home address. He confirmed everything they had on their side matched my information which I provided. There seems to be no way to continue. I need answers. XXXX asked me a series of questions, listing out a variety of random addresses I have never been associated with. I need information as to what does not match. I have called the credit union. This is unacceptable.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, 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. (CA)

On XX/XX/XXXX I decided to check my Equifax credit report after not checking it for a while and I noticed in my inquiry section 10 inquires out of 12 that I do not recognize and did not authorize dating back to XXXX never really apply for credit there for I was alarmed when I discovered this. I immediately printed out my inquires and contacted each creditor and explained that I did not apply for credit with them and if there was anything that they could do they told me to contact the credit bureaus I contacted the credit bureaus, and explained these inaccuracies reporting on my report and asked that they be removed immediately and they directed me back to the creditors I explained to the bureaus that I had previously they then instructed me to file a fraud report. here is a list of the non-authorized inquires on my report. 
1 : XXXX XXXX BANK XXXX XXXX XXXX 2 : XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX 5 : XXXX XX/XX/XXXX 6 : XXXX XXXXXXXX XXXX / XX/XX/XXXX 7 : XXXX XXXX XXXX XXXXXXXX XXXX 8 : XXXX OF XXXX XXXX / XXXX XXXX 9 XXXX XXXXXXXX XXXX XXXXXXXX 10 : XXXX XXXX XXXX such inquiries being reported on my credit report is very damaging and can and will prevent me from acquiring new credit if need be. I need these inaccuracies removed immediately.
Consumer complaint received 2022-08-15
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)

in accordance with the fair credit reporting act, account name XXXX account number XXXX. 

XXXX account number XXXX. 

XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2021-07-21
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: EQUIFAX, INC. (TX)

This would be my 2nd complaint about XXXX XXXX. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the XXXX XXXX stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) XXXX XXXX has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.
Consumer complaint received 2021-06-22
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. (AZ)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete this account and the inquires.
Consumer complaint received 2021-06-14
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. (OK)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following company Transunion. I have informed the consumer reporting agency TransUnion by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.