davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-02
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX XXXX of XXXX, Florida forced me into getting a XXXX XXXX. I went into the dealership only to look around. I salesman asked me if I see something that I like. I said no i 'm just looking around. He ask if I wanted to see if I qualify I agreed. I make it very clear I do n't want a vehicle only to see if I qualify. I did n't bring money, or anything else. So after he seen my mom and aunt leave the dealership, he approved me for a loan. My mom and aunt went to the store by the dealership, and was coming back to get me. The manager, and the salesman forced me to get the XXXX knowing I did n't qualify. My credit score is low, plus I work part-time. I stated that I did n't want a vehicle or loan. They knew I told them I was n't purchasing one. After they said that I said I did n't want it for XXXX minutes straight. They said the bank gave me the car and that I ca n't leave the dealership without the car that they picked out. I felt harassed, and forced to get something I did n't want. The manager said if I did n't take it he was sending it to my house. For one I was violated, two I did n't know what was going on, or what scam the had going on at the time like I do now. The took advantage of my grandmother she said she would co-sign if her son was present. He was not present she was forced also to sign the manager told the salesman to drive to her house to so she could sign. My grandmother does n't remember signing anything, she has early dementia. It was late it was time for me to take my XXXX medicine l was very confused at the time they back me in a corner basically and threatened me. I received a letter from the XXXX corporate office stating that we did n't qualify. I have been trying to call the dealership in XXXX, Florida. The manager XXXX has been rude, also general manager XXXX. I have been trying to stay in contact with bank so we can be released off of the loan. I received a letter from Santander Consumer USA, stating we did n't qualify. The president of the bank said he 's waiting on XXXX to respond it 's been a month they still have n't heard from XXXX XXXX. The manager at the dealership is still trying to qualify me for other auto loans without my permission. We are tired of this nightmare. The bank is in on the scam with the dealership. They forged our information and rolled back to the odometer. The bank knows everything that 's going on and they are lying about it. The dealership is stealing our information for us to keep the car when they know they messed up so now they trying everything they can to make me keep the car. I want something done about this, they have taken advantage of a lot of people that came through there the bank to they have a bad reputation the bank just had to pay a lot of people back because of fraud. I been gave the car back XXXX days later
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NJ)

Citi Card posted my account as past due 30 days for a {$40.00} payment which they simultaneously received a payment of {$400.00}. They sent me a letter stating if I had financial issues they can help before my account goes past due and reported to credit reporting agencies. However, while this was happening they had already reported me past due and cost me XXXX points of my XXXX fico score. This is unsound business practice and unsound treatment of customers. {$40.00}!!! Phenomenal large payment history. I just got an auto loan which may have been affected by Citi 's lack of common sense and customer care therefore costing me unknown financial hardship.
Consumer complaint received 2015-05-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have received XXXX phone calls from a XXXX XXXX XXXX at XXXX XXXX. In my XXXX dealing with XXXX XXXX he claimed that I had a debt on an XXXX credit card in the amount of {$3000.00}. I informed him that I had just pulled my credit days prior to his phone call for a mortgage and that credit card shows a zero balance and has been cancelled. He told me that the debt is mine and must be paid. I asked him what his address was so that I could send a verification of debt letter. He refused to give me his address claiming I could be some sort of " whacko '' and " how did he know I was n't going to send him some sort of threatening mail. '' I assured him that all I wanted was his address. He refused. That 's when he told me he would sue me and file a lawsuit in the state of XXXX. He 's in XXXX. I then said if you ca n't supply me your address, I ca n't work with you. He called back yesterday claiming my drivers license would be suspended and that my wages would be garnished. I again asked for his address.. he again refused to give it to me. He then called back and left a voice mail stating he would settle the debt for {$2000.00}. He again threatened a law suit in the voice mail. Then on XXXX XXXX at XXXX XXXX XXXX XXXX called again threatening to file a lawsuit on Monday if I did not pay him his money. He then informed me that my fees would go up in excess of $ XXXX. XXXX XXXX is not giving me an opportunity to validate my debt.
Consumer complaint received 2015-10-21
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Empowerment Ventures, LLC (CA)

I have been forced to remain a customer of RushCard when on XXXX XXXX the company accepted XXXX separate deposits into an account with an expired debit card, an account that i had not used in over three years. Because the company gave me to other option i was forced to order a new card, because that would be the only way to access my money. I ordered a new card on XXXX XXXX and was charged {$4.00}. After waiting two weeks i contacted RushCard because I still had not received the card. After speaking with an agent i was told i could have the new card rushed to me within 1-2 business days. The Rep went through the process of updating my information and placed me on hold, and then hung up. I called back only to be hung up on XXXX more. Finally i was able to speak with another rep, whom i had to repeat my entire situation to, because apparently RushCard Reps do not make any notes on the account when they speak to a customer. So to my surprise this new Rep told me that i would have to pay {$30.00} for them to rush me a replacement card. I went back and forth with the Rep over this charge because i felt as though i should not have to pay for something that was not my fault. The Rep explained that she could send an email asking for the charges to be reversed, but she would have to charge the card in order for me to get the card in 1-2 business days. That was XXXX XXXX. It has now been 11 days, my account was charged XXXX for {$4.00} for a new card and XXXX for {$30.00} to expedite s shipping. And i still have not received my card. I have called everyday only to be hung up on every time I 'm on hold waiting to talk to a Rep. I 've also emailed the times, only to receive an automatic response saying i would be contacted within 12 hours, but I have yet to receive any form of response.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015 : This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. 

XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 
Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 




Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (FL)

I am putting a complaint today on Wells Fargo Bank because I have had a credit card with them since XX/XX/XXXX in which I was originally approved for {$2000.00} after approval I requested a credit line increase in which I was approved for {$6000.00}. I was then approved for another increase to {$12000.00}. I have had my account in good standing and on XXXX XXXX of this year I used my card for USPS for {$1.00}. After this charge there have been multiple fraudulent charges on the account in XXXX XXXX Nevada. I noticed my card was lost and have tried to call wells fargo and notify them of the activity and they are denying speaking to me over the phone and requesting for me to step in to a branch. I explained to them that i am not near a branch and they are telling me they are not going to help me. I have personal and business accounts with them have had my business account since XX/XX/XXXX and there are plenty of ways for them to verify me and they continue to try to give me a hard time.
Consumer complaint received 2015-05-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

I have disputed this alleged debt by XXXX XXXX XXXX XXXX to equifax 3 times and to XXXX. XXXX investigation took awhile and XXXX removed it from my report because it was not my debt, where as Equifax emails me the next day with the outcome " remains " and that " belongs to me '' with no other information. I had take matters into my own hands and I sent mail to this XXXX asking for correct validation and I received a letter from them stating it was not my debt. So this goes to show how much of an investigation they really conducted. Not much of one, if any at all. 
Not only this but after I disputed, my fico score dropped XXXX points. I went and bought a report and nothing had changed, literally nothing. I monitor all three reports and equifax never updates. For example, I have XXXX credit card with a limit of XXXX and had a balance of XXXX. I made a payment prior to even getting a statement or bill of XXXX. 
Equifax shows my house payment, my car, my credit card all a month behind vs the other credit agencies showing XX/XX/XXXX being pays as agreed.. They have not updated the report since XX/XX/XXXX and its XX/XX/XXXX. Also I pay for credit score monitoring via myfico and why are they reporting a XXXX point drop when there are NO changes in my report anywhere ( other then I made a dispute ) This is the worst credit reporting agency and we as consumers need our reports to be accurate and updated. I 've been waiting for them to update because I want to get different insurance for auto and home and you never know what insirance companies report they will look at. I see that experian has updated my accounts. What 's the problem here? They are completely incompetent. We rely on these companies for very important aspect of our lives and I have a really difficult time to think they take it as serious as we, the consumer.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

Since XXXX/XXXX/2015 I have attempted to pull my Experian credit report to no avail. When I go to XXXX to pull a copy of my credit file, I recieve a message stating that I have already obtained my credit report within the allowed time and directs me to experian.com. The prompts direct me to buy my FICO score and credit report. I bought the seven day plan for {$1.00}. This is not the type of report I am looking for. I have a few problems here : 1. ) I do not want to buy my FICO score, I only want my credit file. 2. ) The format is not consumer friendly ( i.e. everything is in boxes and will not provide the payment history with dates e.g. date of last payment & date of first delinquency ). Without this information how am I to understand what needs improvement. 3. ) When I call their number ( XXXX ) and explain what it is that I need ... I am told that " I need to call Experian the credit reporting agency '' because I am speaking to Experian online Direct and they are not the same company. They have no way of providing me with my " credit file ''. According to the last rep I spoke to a regular credit report is called a " credit file ''.
Consumer complaint received 2015-06-10
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

A hold was placed on my saving account ( XXXX ) because my institution said I was making more than XXXX transfers a month. XXXX, XXXX XXXX, 2015 I was stranded in XXXX NC with no idea what was going on. When I was finally able to get speak to someone. I was informed I am being penalized or punished because I have made to many transfers. First, I never knew it was wrong to use money I work hard for. Second, because the bank put a hold on my account, and closed off my savings as my overdraft account, they caused my checking to have NSF. Then they charged me NSF fees for something they did. How do you penalize, and steal from hard working people who need their money. I can see if the money was n't in my accounts, but to do intentional damage to your client ; and, then penalize them for your actions in wrong. I pay my bills online, because I work long hours ; and, to be told you ca n't get any money via the ATM, and you ca n't use your ATM card is wrong. I work hours that exceed normal bank hours ; and, it 's wrong to penalize hard working, law abiding citizens ; and, then justify stealing their money because of a hold you placed on them. I have money in my account, and I want my money back for those NSF fees.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (OR)

I have had a loan with Plaza home mortgage for several years. I recently sent a check to pay off the loan. The check was returned with a letter that states that they do not accept personal checks for final loan payment. The letter also stated that I was continuing to be charged interest on the loan. I also have a late fee because I did not make my payment on time. 
I have asked to have a copy of the loan contract that I signed stating that they will not accept a personal check for final payment. Phone conversations got me no where and I was told that there is no document that I signed that would make this statement.
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

We pay Bank of America {$500.00} every XXXX weeks ( XXXX times per year ) automatically. The total amount due per month continues to vary right around the {$500.00} level. So now they have changed our minimum to {$550.00} total per month and are saying we are being penalized for not paying enough even though we pay well above the minimum monthly fee. Plus they changed our due date so we get another penalty. 

So net we pay {$1000.00} per month yet we get dinged even though we only owe roughly {$450.00} to {$550.00} per month.
Consumer complaint received 2015-08-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Gitsit Solutions, LLC. (FL)

I 'm a single mom. My primary house that I live in withMy daughter is in foreclosure. I have been tryingto modify the with Kondaur Capital corporation loan # XXXX .. I complied with all the demands but theyrefused the modification and only gave me option toeither to do a short sale or foreclose on the house. 
I accepted to go for short sale because I cant afford thelawyer fees. Even with the short sale they pressured meto use their own agent and to sign a document that denyme all my rights in the house and when I complainedand wanted to use my own agent they cornered mewith a high listing price that is higher of the market priceXXXX more .. which makes it impossible to selland they limited the time and commission to the agent. 
that if I do n't sell in the given short period they are notapproving the short sale and they are going to courtthey keep pressuring me to give up my house and pushingme to pay lawyer that is costing me lots of moneythis is my primary residence and my daughter goes toschool .. it is very hard to relocate now.
Consumer complaint received 2015-08-01
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (FL)

I have received XXXX phone calls outside of the acceptable outlined time frames. XXXX aprox at XXXX the other XXXX. I receive blocked calls and identified calls. Today, Saturday i received a blocked call at XXXX blocked and XXXX unblocked. I have tried calling back numerous times and I get no one so I checked and their business hours end at XXXX. Therefore, I am also receiving calls outside business hours not affording me the option to yet again resolve my " debts '' which I previoisly explained I was working with my insurance to resolve. I feel harrassed because the calls dont stop and i cant get a human to tell them to stop calling. I get on average 2-3 phone calls every day to other day and constant voicemails with no missed calls
Consumer complaint received 2015-09-02
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

We accidentally missed a payment in XXXX. We are approx. XXXX dollars past due as of XXXX payment. When we got a reminder in the mail and were unsure of the reason we called them to verify, discovered our mistake, confirmed the amount and said we would make good on the past due portion during our regular XXXX Payment which we then set up with the bank to go out on XXXX XXXX. However, since our self initiated call, we have received XXXX calls daily from Navient, trying to collect this past due payment. We have explained ourselves repeatedly and asked the calls be stopped. XXXX we were told the calls would stop for five days and they would put a note in the system. This has not happened. The calls have continued at a rate of XXXX times daily. We feel harassed, we are losing valuable time on the phone in repeated explanations and we have told them to stop or we would file a complaint. They have not stopped. This is our complaint.
Consumer complaint received 2015-09-03
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (HI)

I obtained a XXXX Mortgage as well as a XXXX mortgage on my home XX/XX/XXXX with Wells Fargo Bank. I lost my job of 27 years, at the age of XXXX, XX/XX/XXXX, and after 2 years, spending all of my life savings of {$150000.00}, still unable to find work, I was forced to file for bankruptcy protection in XX/XX/XXXX. In that filing, IT IS A MATTER OF RECORD THAT I REAFFIRMED both mortgages with Wells Fargo. The industry being in the mess that is was, I never received confirmation letters confirming my reaffirmation on both loans, no matter the number of attempts made. In the entire life of each of these loans, before, during, and after the bankruptcy filing, and continuing to this day, I HAVE NEVER MISSED A SINGLE MORTGAGE PAYMENT NOR HAVE I EVER MADE A SINGLE LATE PAYMENT ON EITHER WELLS FARGO LOAN in almost 10 years of paying the XXXX and XXXX mortgage. Yet, all three credit reporting agencies report that the mortgages were included in the bankruptcy filing rather than reaffirmed. I have contacted Wells Fargo repeatedly, filed credit complaints, provided the history, and Wells Fargo 's answer is that, notwithstanding the fact that I can prove both were reaffirmed, since they never confirmed that fact, they will not correct the record. 
I have suffered substantial and continuing harm from Wells Fargo 's egregious refusal to correct the record, such that my credit scores are as low as in the XXXX 's notwithstanding a perfect payment history with that bank and all others, with the exception of the bankrupted debts which did not include Wells Fargo Home Mortgage. 
Please tell me what can be done to correct this injustice. 
Thank you