davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (CA)

On XX/XX/XXXX, XXXX days after I made the required monthly payment of {$500.00} on XX/XX/XXXX, I called Santander and asked if I could make an additional payment for {$500.00} towards the principle. They said I could and even helped me go online to make the payment. I asked several times during the call and was promised that the payment would go entirely towards the principle. It did not. On the XXXX I called them back to show that the statement reflected the payment of {$470.00} towards the principle and {$21.00} went towards the interest. They connected me to a supervisor who promised to return the {$21.00} to the principle. As of today XXXX they have not adjusted the {$21.00}. There is no option on the website to make a payment solely towards the principle. The seems like a scam to rip their customers off. I was told by Santander that if i made additional payment on dates other than the date due I would have interest taken out of extra payments even if I didn't want them to do it. They claim I would have to call each time I did that to get the interest refunded. This is fraudulent behavior as I am paying towards my principle and clearly stating I don't want any of it applied towards the interest. Who can I contact to claim fraud by Santander or do I need to go to small claims court?
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

XXXX was tasked with investigating and running disputes for XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly and being put in XXXX hold for 1 hour I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and XXXX only admitted to not running disputes at FCRA standard as prev
Consumer complaint received 2016-12-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: KEYCORP (KY)

When I enrolled in my college ( XXXX XXXX XXXX, XXXX XXXX, KY ) I followed the advice of my XXXX and did exactly what he recommended, in terms of credit load. He ( and the professors in the education department ) recommended following a XXXX year plan to ensure that I would be able to manage my classes and classroom/XXXX hours. What they did not tell me is that my federal aide was only good for XXXX years. So I continued following their recommendations and the summer before my fifth year I received a statement letter saying I would receive XXXX dollars in financial aide. I was absolutely panicked and neither me or my parents knew what to do. I had very little guidance and wht I did get from financial aide office was vague. I had no idea that the private loan I was getting would leave me with such high monthly payments and that they would not budge in the amount of those payments. I was a college kid living with my parents and relying greatly on their knowledge and that of the student aide people, confident that both knew what they were getting me in to. What I 'm most upset about is that I was a XXXX student, I could have, and would have carried a heavier course load to get done in XXXX years, had I known I was losing all my federal aide that fifth year. If that was explained to my parents, they failed to tell me but I do n't think they were aware of it either. I have XXXX dollars of student loan debt and I make about XXXX. The federal loans are manageable because of government programs like XXXX plans. The private loan through Key Bank, totaling about XXXX, is not manageable, with payments of XXXX a month. I have XXXX young children and bills are getting heavier and heavier. Please help. Thank you.
Consumer complaint received 2016-05-13
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Recovery Services (TX)

I received a call from Integrated Recovery Services about a pay day loan that they were trying to collect on. XXXX XXXX and XXXX XXXX both called me on my work phone and told me that if I did not pay I would be arrested this Friday, and this would be a felony. I tried to make a payment arrangement but they started to make fun of me and continued to say I would be arrested. I am filing a complaint and and willl also be contacting the Texas Attorney General in reference to this matter since it is a violation of State and Federal law. I am also requesting that this company no longer contact me because of their deceptive trade practices.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paypal Holdings, Inc (WA)

Name on email- XXXX XXXX PDF at bottom of email has PayPal logo They are reporting a purchase under my email for bitcoin 1. XXXX XXXX XXXX XXXX $ Below it says : The purchase receipt for your XXXX will be available on your account within the next 24 hours indicating that has received your payment of XXXX $ for the XXXX you placed. 

Hotline available for 24 hours to report this is not my purchase XXXX ( XXXX ) XXXX. No answer Secured by XXXX XXXX Policy and procedures XXXX XXXX XXXX  XXXX, All rights reserved I have never purchased XXXX from anyone!
Consumer complaint received 2016-10-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (MI)

I have been the Victim of fraudulent activity. There is an unauthorized installment loan in my name from Wells Fargo that i 've contested for almost 3 years now. I have been forced to make payments on a loan i did n't sign for or take out, in order to preserve my credit. Now that Wells Fargo has been officially caught with this act of opening accounts in people 's name, i 'm looking for full restitution of the amount i 've paid and the installment loan removed from my credit report.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: DISCOVER BANK (VA)

So about XXXX XXXX ago XX/XX/year>, I tried to apply for a XXXX credit card, but I got declined and after that, I got a letter from XXXX saying I got declined due to suspicion of identity theft. so I called XXXX to have an inquiry about what it means and they said it couldve been because I just moved into a new address so I should wait and try again fast forward fast forward today. I got a call from Discover customer service or fraud department saying my account is under investigation for suspicion of identity theft so this means this is the second time Im hearing this. Prior to that, about XXXX XXXX  ago my bag was stolen and I lost my wallet phone and XXXX. I was advised to place a credit freeze on my credit so I did that.
Consumer complaint received 2024-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

Somewhere around XXXX of 2018 repayment arrangements were made with " whomever '' for $ XXXX over the next XXXX months. The amount that was qualified to repay was $ XXXX but the agreement was made for $ XXXX. Payments were going fine until the XXXX shutdown ( obviously ) and were never re-started. Now, I am attempting to apply for the XXXX XXXX XXXX and my account shows " No Repayment Agreement '' though payment history is there. XXXX XXXX also seems unavailable. My account also does not allow for me to restart my payments. With all of the information/misinformation in regards to repayment of student loans resuming, I figured my repayment agreement would take into affect once that was sorted out by the powers that be. The email account on file was with the University I attended. That University dropped their " edu '' and converted to a " XXXX '' email account. If XXXX XXXX did not login, previous emails were not merged into the new email account. That email account was/is not used by me, only as a data back-up as XXXX XXXX  is not supported by carriers. Clearly I do not wish to be in default and would just like for my original repayment agreement to be honored and would like to take advantage of any XXXX XXXX initiatives that may be available. With low qualifying payments it should also be clear that the balance of my loan will exceed my lifetime. Realizing I am XXXX of many, again, I would just like for my original repayment agreement to be honored and for my loans to be cleared from default. Thank you in advance.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MA)

I moved from MA to ME and had every XXXX to my name in Venmo as that's how we were paying the deposit for the land we purchased. Venmo froze my account on Saturday, XX/XX/2024. I have been on the phone with them numerous times, provided all documentation and done everything asked. It is now Wednesday XX/XX/2024 and they have yet to unfreeze my money. My family has no food, no shelter, no gas, NOTHING! I keep being told a member of the " back office '' just needs to review my case and unfreeze my account. I keep being told 3-5 business days, but we will not survive that long. I have never dealt with such unreal circumstances trying to access MY money! I have used them for years with no issues. My family is suffering hard because the back office doesn't want to press a button and release my money.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I have XXXX XXXX XXXX AFFIDAVIT filled out and asked to update my police report with my account and broker with XXXX XXXX from XXXX XXXX XXXX data breach showing the account was hacked and the Equifax administration showed a identity theft with the restoration officer.. my account was hacked and compromised showing my license theft. The XXXX asked me to get the report from my bank and credit report on my insurance company showing a fraud dispute.
Consumer complaint received 2024-10-02
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: AMERICAN EXPRESS COMPANY (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (MI)

A late payment was made to AMEX but the account was paid in full within XXXX days. This late payment triggered the usual late fees but also triggered an interest payment in the first month of XXXX {$95.00} and a second month of interest of XXXX {$65.00}. The effective APR for interest charged for XXXX days of late payment but then paid in full equates to an effective interest rate of over 100 %. While this XXXX month revolving balance interest calculation is no doubt contractual agreed to, it seems blatantly against public policy and likely criminal usury.
Consumer complaint received 2024-10-02
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: SANTANDER HOLDINGS USA, INC. (MO)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-02
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NJ)

I bought my home in XXXX of XXXX with the help of a XXXX  loan. 

Mr. Cooper is my current mortgage servicer and in XXXX due to XXXX and a reduction of hours at my job at the time, I started to fall behind on my payments and enrolled in the deferment payment plan. 

Mr. Cooper continued to pay my taxes and insurance during this time, so the escrow I owed increased.

I did a Home Equity investment with XXXX XXXX in XXXX of XXXX. 

Part of the loan agreement with XXXX was that Mr. Cooper stipulated that {$17000.00} of any monies received by me MUST be paid to Mr. Cooper and applied to bring deferred escrow up to date. 

When Mr. Cooper received the money from XXXX that was to pay the back escrow, Mr. Cooper put it on the principle instead, by doing this, I still owed the back escrow and my payments increased. 

I have been trying to get this rectified for almost XXXX  years now. Many, many phone calls to Mr. Cooper and many staff in many departments assured me it would get resolved has resulted in nothing but frustration. Each time I called, which was approximately once every other month, I was told by the person on the phone that it was definitely an error on Mr. Cooper and the issue was being referred to another department or a XXXX and it would be corrected and I would be contacted. 

It has not been corrected and I have never been contacted regarding this matter by email, phone or mail. 

Because Mr. Cooper wrongly put the money to the principle instead of the escrow, my payment has remained increased by almost {$500.00} a month, which is a hardship for me to pay. 

I ask for your help in getting this resolved so that my monthly payment can be lowered back to the correct amount and the money is moved to bring the escrow up to date. 

I also ask for any punitive monies levied against Mr. Cooper to be applied to my mortgage balance and to be notified of any actions taken against Mr. Cooper on my behalf in regard to this matter.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I had been working tirelessly to bring down my debt after buying a house in XXXX  and using credit cards to remodel. After finally getting some money together to pay off XXXX XXXX I did so and my account remained and is currently opened. I eventually got XXXX $ together and decided per recommendation to pay off my Wellsfargo CC off to increase my available credit and to be able to apply for a HELOC. Three months after paying off the card WellsFrago unilaterally closed my account for having a high income to debt ration and being deemed a liability, how can I be a liability when I do not owe them. This caused me to lose available credit that I needed to apply for my HELOC and I continue to have a high income to debt ration. Wellsfargo acted unfairly in a retaliatory manner, as I did not have any late payments.WellsFargo should reinstate my account. I have included an old account number as the new credit card issued is missing.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ProCollect, Inc. (GA)

I have called and spoken with several live agents about the excessive amounts of reporting on my credit report. I have filed complaints with the CFPB, and XXXX  and letters to my Attorney General. According to Law 15 USC 1681 XXXX  would need permissible purpose from me and they DO NOT. I never even heard of this company until I saw my report. There are over XXXX reports, which harm my way of living as a human being. By Law that is {$XXXX} worth of damages.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (TX)

I am REWRITING to complaint to GM FINANCIAL about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2019-10-03
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. (NV)

I have spoken with each of these creditors concerning inquiries on my credit report and none of them can provide me with any information nor can they provide me with a notice stating there is nothing in there system because there was not account opened all the companies told me to dispute it with the credit bureaus and it should come off because they do not have any information to provide. I disputed these inquires with equifax numerous times and it keeps coming back with the same pre made letter stating VERIFIED. Facts, Equifax has not verified anything that I myself can not get answers too. I have attached the credit report that Equifax sent me. I also, asked Equifax to send me this information : What is the name of the person you spoke to at each company? What department was the representative from? Send me a copy of the credit agreement bearing my signature? and I did not receive any of the documentation.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST INTERSTATE BANCSYSTEM, INC. (WY)

XXXX : Unlawful Account Access Change and Unresolved Credit Card Payment Issues- First Interstate Bank XXXX XXXX XXXX CFPB, ** I am filing a formal complaint against First Interstate Bank XXXX XXXX XXXX and their third-party collaborators regarding my credit card account management. 

In XXXX of this year, I applied for a credit card through First Interstate Bank, which was advertised with a specific credit limit. The approval process took significantly longer than expected and involved repeated instances of what I believe to be discriminatory practices. After a delay, the credit card was finally approved. 

However, shortly after the card was issued, my ability to access the account and make payments was compromised. Specifically, my account information ( including access credentials ) was changed without my knowledge or consent. As a result, I have been unable to make payments on the account since then. 

I contacted First Interstate Bank multiple times regarding this issue, beginning in XXXX, and made them fully aware of the unauthorized change. Despite my numerous attempts to resolve the issue, it has now been over four months, and no investigation, action, or communication has been initiated by First Interstate Bank to rectify the problem. 

During this period, fees related to the inability to access my payment schedule have continued to accumulate. XXXX XXXX has attempted to draw funds from my account to cover these fees, resulting in multiple failed payment attempts and subsequent overdraft fees. These overdraft fees have compounded the financial damage caused by the bank 's failure to resolve the access issue. 

I have also brought these overdraft fees and unauthorized actions to the attention of my banker at XXXX XXXX, yet no steps have been taken to address them. 

I am requesting an immediate investigation into XXXX XXXX Banks and Mastercards practices in this situation, and I am seeking full restitution for the overdraft fees and any other charges that have accrued as a result of my inability to access and manage my credit account. 

I would appreciate your prompt attention to this matter, and can forward any emails needed to confirm these findings. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Wy, XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, I need help. I am a citi bank customer, I have regular credit card with citi bank, also I have credit with citi bank with XXXX XXXX. My XXXX XXXX credit card was closed, they've requested XXXX for both of my cards. I already sent it for my regular card and removed block from it but my XXXX XXXX card was closed despite they receiving my XXXX form. They told me that they won't reopen my card. Please help me to reopen it.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (CA)

XXXX XXXX XXXX Balance Owed : {$0.00} ERC XXXXXXXX Balance Owed : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.