davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Yamaha Motor Finance Corporation USA (CA)

I had a payment due on XX/XX/XXXX. 
Tried calling and paying on XXXX XXXX, and the XXXX. 
Phone system was down with no answer or and out of service recording Finally spoke with someone at XXXX and was told there system is down and I can only pay by wiring the money or going on line, but online phones and tablets do not work only PC I told the person if I wire today Ill be fine? She said no its after XXXX central time do you will get a late fee even though their system is down. 
Asked to speak with a supervisor but was told none of them work today but they know about the issue and this is our policy.
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have tried to communicate with Portfolio Recovery Associates, LLC via certified mail on this particular account for the past three months. I have requested Portfolio Recovery associates, LLC to remove this incorrect account from my credit report. I have asked Portfolio Recovery Associates, LLC also to provide any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have also asked Portfolio Recovery Associates, LLC to provide names, Addresses and telephone numbers of each person contacted regarding this alleged account. I have told them via certified mail, that one of their employees signed for, that I any automated or XXXX verification is unacceptable. As of this date of complaint that I am filing with you, I have not received any documentation. The only response I have received back is that Portfolio Recovery Associates, LLC has verified and closed the case.

Account Name and address is Incorrect that is on the bill they are saying is mine. 
If not resolved I will be forced to file in small claims court.
Consumer complaint received 2020-05-05
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)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$130.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX XXXX {$220.00} XXXX XXXX {$14000.00}
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION (IL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/year> Navy Federal CR Union XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Form 1099-C Dear Navy Federal CR Union , I hope this message finds you well. I am writing to formally request a copy of Form 1099-C for the account referenced below, which has been charged off. 
Account Information : Account Number : XXXX Account Holder Name : XXXX XXXX As you are aware, the IRS requires that Form 1099-C be issued for debts that have been canceled or discharged, and I would appreciate your assistance in providing this document for my records and tax purposes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (AZ)

Notified three major credit reporting bureaus to place freeze on my accounts due to their false reporting, fraudulent personal data info selling for profit adding to existing problems of improper reporting, identity theft ; list goes on. Used XXXX article site to clink on links XXXX. Answered all questions. XXXX  no problem. XXXX  responded I must submit police report to accept. XXXX Responds can not verify identity. Have had FICO score alert reporting with various financial entities providing that service. Im not unknown though data submitted maybe false. ID theft by XXXX XXXX 14+ years adversely affected credit scores. XXXX covers up for XXXX false info as well By known Criminal ; list goes on. When Public Announcement Id credit freeze avail by law XXXX took advantage being unsuccessful in past ; repeated victimization ongoing. Went through process of providing proof of identity with various entities sending copies of personal documents to be told not good enough. Request my free credit report once a year ; not sent by two or even the three credit bureaus. If I get copy of one ; submit copies of disputes to other two sometimes more  that are involved in smear tactics like Lexis Nexis assisting XXXX XXXX ID fraud. Ive never had XXXX XXXX  yet carried by three people on their policy fraught with traffic violations ; I have none. These are only highlights of ongoing outrageous, egregious ; actionable acts of malfeasance that go unchecked by the CFPB dispute other past complaints. The XXXX   XXXX XXXX XXXX XXXX is of no help. The XXXX State offices and agencies frought with all kind of internal crime and corruption. Do I need to contact President Trump and ask him to assist with these matters? Is the CFPB going to start doing their job to protect US Citizens like they are suppose to or coverup for errant entities adversely affecting our lives. Im in my XXXX year ; the Decline in Decency Of the Gov that is suppose to be of we the people in support Of enrichment of three three credit bureaus is part of the Deep State Swamp we are drowning in.
Consumer complaint received 2020-05-05
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$1900.00}
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

I have reached out to Southwest Credit three times via certified mail over the past three months. I have asked on all three certified mail letters that this debt is not correct and that I would like to have removed from my credit report. I have only had one letter come back to say that the dispute has been reported and that this bill is correct. I responded back via certified mail that I would like to know the procedure used to determine the accuracy and completeness of the information is requested within 15 days of the reinvestigation. I asked for names, addresses and telephone numbers of each person contacted regarding this alleged account. I also asked for any documents to be provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. I also made clear that any automated response or XXXX verification is unacceptable as verification. I have not received any such clarification from Southwest Credit to this day. This is clearly a violation of the Fair Credit Reporting Act and if not resolved, I will be forced to take action in a small claims lawsuit.
Consumer complaint received 2018-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (VA)

on XX/XX/2018 a deposit was made to the bank sun-trust for an amount of XXXX dollars. The bank place a hold on the check in the afternoon on XX/XX/2018 for the next seven days which was not reasonable until XX/XX/XXXX. Proof was provided to the bank on XX/XX/2018, indicating that the check was paid in the form of a verbal confirmation with their representative via phone and the drawn check bank and a copy of the paid documentation indicating withdrawal of the check face amount to sun-trust. SunTrust did not release the hold, charged overdraft fees and maintained their hold for unreasonable time after receiving proof that the payment was paid. The bank is not operating in accordance to compliance for handling checks they did not release any of the funds daily, charged fees for bills, did not indicate that their would be a hold. They release the check at first then mid day on XX/XX/2018 when a bill pay was due then place a hold on the check and then charged fees for not having the amount in the account for coverage of the bill pay. The paid the bill pay and charged several overdraft charges. They place a hold to then charge several overdraft charges from monthly ACH bill which come in monthly. The deposit of the check for XXXX is a monthly deposit to cover monthly ACH and bill pay charges which occur every month for the past two years bi-weekly.
Consumer complaint received 2018-09-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Santander Consumer USA Holdings Inc. (CA)

I called to get assistance with a double extension - Ms XXXX laughed during the conversation - transferred me to a manager Ms XXXX who only wanted me to let her speak and kept interrupting me to state the process has changed - stated that they will only give me a single extension even though I was already told I'd get a double ext 3days ago - she didn't fix the problem nor did she attempt to help - the manager was rude and didn't care what i had to say - i couldn't even finish my first sentence before she started to stop me - the manager then transferred me to the same rep who asked what I wanted and it was at that point I decided to end the call. They still didn't give me the double ext and I refused to take a single to be further behind when I was already told to pay and get a double - i made the payment for the double and they are refusing it
Consumer complaint received 2018-09-24
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. (MO)

Re : Acct. XXXX XXXX XXXX XXXX report XX/XX/2016 {$580.00} Reporting from all credit bureaus. 

I have contacted XXXX XXXX XXXX, XXXX verbally since XX/XX/2016. They would not remove the acct. 
I contacted them by letter XX/XX/XXXX telling them it is a violation of the Fair Credit Reporting Act to report {$580.00} balance due to XXXX on my credit. I requested viable evidence bearing my signature that the report to be accurate. THey did not respond to my request. 

I wrote a letter to all credit bureaus disputing a false collection on my credit report XX/XX/XXXX. I requested a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. The days and times of sign in and sign out of services equaling the alleged amount claimed that I owe XXXX XXXX XXXX XXXX. 

They responded stating the information was verified but did not provide any documentation requested that this was an accurate report. This is a violation of the Fair Debt Collections Practices Act Section XXXX and Defamation.
Consumer complaint received 2018-09-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/16 at XXXX, I set up an auto-pay on Synchrony Financial website for my account ending XXXX to pay the full balance of my debt and I received a confirmation email stating, " You have successfully enrolled in Autopay for your XXXX XXXX XXXX XXXX XXXX XXXX account. For your records, your Autopay confirmation number is XXXX '', this setting was adequate to pay the debt on time and avoid charging me any interests. 
Unfortunately, the bank system has not performed well and later I discovered a change on my account have been performed, the auto-pay setting changed to minimum due, without informing me which entailed charging me {$2200.00} of interest for not paying the debt on time. I am disappointed because I always meet my obligations and I never done this change, and even when I discovered this mistake and the big charge, I paid the full balance {$3300.00} at once as a proof of my commitment to my obligations and to stop the monetary bleeding. When I reached out to the bank, the bank representative informed me that the change to minimum due have been performed after three minutes only of the first set up ( i.e. XX/XX/16 at XXXX ), however, the received confirmation email dated XX/XX/2016, XXXX XXXX which is after that false change by 58min, moreover, I never receive a confirmation email from the bank with this change.
Consumer complaint received 2018-09-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (NE)

On XX/XX/XXXX my vehicle was repossessed by Santander Consumer USA. I had missed several payments and was past due. I was aware of this. My issue is their company acting in bad faith, and while what they did may not be illegal it is certainly unethical. 

I had previously missed a payment arrangement due to some personal financial issues and problems with fraud on my bank account. 

However, between the XXXX of XXXX a representative from Santander called and informed me of the past due. I offered to make a payment on XX/XX/XXXX and another within 2 weeks to bring my account current. At no time did he mention the possibility of me being repossessed and needing to make a payment sooner. Obviously, my car was taken 2 days before the payment which would have brought it under their " repo '' past due limit according to their reinstatement specialists. 

They had previously sent me a right to cure letter, and that date had passed. However, the fact that they were still calling me and taking payments led me to believe that they were working with me. 

After trying to explain the situation and get my vehicle back they have not offered any type of solution other than completely paying the vehicle. 

I should also mention that at no time was any kind of extension given, or reduced payment plan despite asking numerous times. 

On XX/XX/XXXX I received a letter from Santander dated XX/XX/XXXX offering an assistance program to bring my account current. After calling in I was told this was a mistake and I can not do any payment plan/assistance program. I was told that if I had done it before repossession I could have used it, however I explained I was never offered any plan even after asking. They did not care. 

I also learned that my optional GAP coverage and extended warranty were successfully refunded to Santander on XX/XX/XXXX. This totaled around $ XXXX+. I understand that this applies to the principal, but it should have also showed my intention to pay the car since I had cancelled these optionally before repo. 

Combining all these things makes me very frustrated how all of this has been handled.
Consumer complaint received 2018-09-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

So like many other Paypal users, i have a problem with this company. Here is my story ... 
On XX/XX/2018, my friend and partner sent me US {$26.00} from his XXXX Paypal account to my US Paypal account to pay his part of a business investment we have to do together. 2 days after Paypal blocked my account and i was not able to access it anymore. So i called them and they told me that my account was blocked because of a suspicious transaction and that to clear it, i have to send them an ID. My friend has the same problem and they asked him for an ID, his credit card infos and a bill to justify his address. So both of us, we sent all the documents requested by Paypal. My friend managed to finally have his account unlocked by Paypal but when i called them again, they told me that my account was suspended and my funds blocked for 180 days without any clear reasons beside than telling me that my account was involved in suspicious activities. I wrote to their appel department to appeal this decision but didn't receive any answer. 
I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal that in 4 years using Paypal, Ive never received any complaint about the payment made to my account. Plus since one year and half now, I use Paypal only to transfer money with friends and family so for one year and half, no payment that could cause a dispute was made to my account. Also i have never enfrunt any Paypal policies and I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states.

Knowing than regarding this problem PayPal employees brought me nothing but arrogance, I'm writting you today for your help to fix it and help us invest in our project.

Thank you.
Consumer complaint received 2018-09-24
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: Midwest Recovery Systems (MO)

Re : Acct. XXXX Midwest Recovery Systems report XX/XX/2016 {$580.00} Reporting from all credit bureaus. 

I have contacted Midwest Recovery Systems, LLC verbally since XX/XX/2016. They would not remove the acct. 
I contacted them by letter XX/XX/XXXX telling them it is a violation of the Fair Credit Reporting Act to report {$580.00} balance due to XXXX on my credit. I requested viable evidence bearing my signature that the report to be accurate. THey did not respond to my request. 

I wrote a letter to all credit bureaus disputing a false collection on my credit report XX/XX/XXXX. I requested a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. The days and times of sign in and sign out of services equaling the alleged amount claimed that I owe Midwest Recovery Systems LLC. 

They responded stating the information was verified but did not provide any documentation requested that this was an accurate report. This is a violation of the Fair Debt Collections Practices Act Section 807-8 and Defamation.
Consumer complaint received 2018-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (CA)

XX/XX/2018, request wire transfer XX/XX/2018, amount {$50000.00} and {$30.00} fee were deducted from saving account. 
XX/XX/2018, asked for recall XX/XX/2018, beneficiary bank has not received the fund or recall request.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (CA)

The credit card company did not report my information correctly to the credit bureaus. Disputed the information and they requested Drivers License, Social Security Card, Utility Bill, Identity Theft documents. These were faxed in. 

Just received a letter indicating that they closed my account because they did not receive the information. Called them today and they indicated they did receive all the information however they couldn't read the drivers license so they closed my account. They didn't call or attempt to get any updated information. 

CALL LOG with XXXX XXXX : XX/XX/2018 @ XXXX - XXXX in customer service. Let him know I got a letter in the mail that looks suspicious asking for Drivers License, Utility Bill, Social Security Card. He beleives that this is in relation to the Identify Theft that occured and they need a copy of the report to verify my identity. He is double checking to be sure this is what it is regarding. 

We need all this information again because your account is being held due to XXXX account dispute. He indicates to fax the items to ( XXXX ) XXXX. 

He indicates that to remove derogatory remarks the request has to be done via fax to them or by the credit agency. Let him know I fulfilled the request by their organization when they asked and they still have not removed it. " I'll see what I can do ''. 

XX/XX/2018 @ XXXX - XXXX indicates she will give me the information to remove. Either by mail or with the credit reporting agency. She indicates to write in requesting XXXX and address to XXXX XXXX or XXXX XXXX. First Last Name, last 8 of card number. There was a remark on my credit in X month and X year. I would like to have this adjusted to improve my credit score. Indicate that I am trying to get an auto loan. 

XX/XX/2018 @ XXXX - XXXX in customer service indicates she sees all the information but the drivers license was not legible so they closed the account out and it's currently on hold. She indicates that they can not in her department can not remove this and the account is closed. {$300.00} deposit will be returned within 10 weeks. 

She has sent an escalation to upper management requesting to re-open the account. Requested to send in the drivers license and the copy of the Identity Theft report and they will try to re-open the account.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

Company could NOT freeze credit. Wanted me to send them my Social Security Number, a copy of drivers license and a copy of current utility bill. I think that mailing them that information would give someone that " stole '' the mail, all the info necessary to really commit identity theft. Both XXXX and XXXX were able to put freeze on my account easily and rapidly.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX This auto company needs to update my credit reports as of now not late and have a balance for XX/XX/XXXX of XXXX. it is showing on my report that I am still owing {$1100.00} while I have no past due as of today XX/XX/XXXX. 

They have customer service foreigners that did not always understand me whenever I talked to them.