davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC. (GA)

I purchased a car in XXXX. I was told one amount that it would be " out the door '' and when Santander finished with us, we were actually paying for the car twice. We paid on the contract for 4 years.It was financed for 72 months. My husband had to file bankruptcy and I called and was told I could voluntarily surrender the vehicle due to us not being able to pay almost XXXX dollars a month. The company came to our home and got it. They sold it and sent a couple of settlement letters. They said they only sold it for XXXX ( a very nice top of the line XXXX. They said we still owed about XXXX on the car even after paying on it for 4 years. Eventually Santander charged the loan off. XXXX XXXX came along in XXXX demanding that we pay the XXXX. I got a local lawyer. She told us not to worry about it. Well, last month, XXXX XXXX, I got a call on a Friday to be in court on the following Monday. XXXX and XXXX XXXX was there to represent XXXX XXXX. My lawyer from XXXX was ALSO there. She was no help at all. She actually sold us out to XXXX and XXXX. She wouldn't even let us talk with the judge. I had paperwork and articles to show the judge, but she wouldn't allow our voices to be heard. Instead, She negotiated with the representative and told us to sign the paper or the representative from XXXX and XXXX would garnish our wages. We signed a paper saying we would pay back XXXX a month starting on XXXX He documented on the letter that they would accept a little over XXXX for the XXXX they were asking for. WE told them why are they making us pay so much when we had received a settlement letter from Santander years ago for XXXX on one occasion and then they went down to XXXX. Once they heard that the lawyer asked me " Are you able to pay the XXXX today. We told her we weren't prepared for that. They asked why didn't we take the settlement years ago and we told her that When it came, we did not have the extra money. We are currently swarmped with bills and to have one more bill is awful. WE have proof that Santander was in a lawsuit in XXXX and paid money back to consumers in GA who were victims of Predatory car lending. The ironic thing is that now it's years later, and the car we have now is financed with Santander and we got GREAT interest rates! We are not asking for money from them, we just want this dismissed and to prove that we did in fact pay a substantial amount of money to Santander but now a 3rd party who has AWFUL ratings and reviews are trying to retrieve money from us that we don't have. Please help us
Consumer complaint received 2024-09-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (SC)

I was apart of a fraudulent scheme in which {$8200.00} was moved through my PayPal account to ultimately end up in another persons account who is the responsible party of debt. PayPal is harassing me by sending my account to yet another collection agency after I explained to the first one what happened and the refused to collect from me. PayPal send me emails and other reminders of this account balance that I do not owe! I have pressed criminal charges against the responsible party and they will be served a warrant for there arrest this week!
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc (NJ)

Someone opened a PayPal account with my email address or accessed my account and then changed the email address and opened a PayPal credit account. I called XXXX XXXX who handles PayPal XXXX and they confirmed that an account was opened. I informed them that I had not opened the account and to please close the account as I suspected fraud. They closed the account but informed me that my PayPal information had been compromised. I closed my PayPal account.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (AL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Cavalry Portfolio Service XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Name of Debtor : XXXX XXXX Dear Cavalry Portfolio Service, I acknowledge receipt of your response to my debt verification request dated. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. 
Your response dated did not include any of the aforementioned details. 
In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt and proof of its reassignment to XXXX XXXX XXXX. 
Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. 
I appreciate your prompt cooperation in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (VA)

My mortgage was being serviced by XXXX XXXX XXXX XXXX. On or about XX/XX/year> the loan was sold to XXXX XXXX. During the period of transition I sent my regular mortgage payment on time and the bank misapplied the payment to principal without my consent. I have been sending additional {$1000.00} a month payments to principal for a year and they were never applying those payments to principal, despite the fact that I was putting the words " Additional to Principal '' in the memo section of the check. They were putting them in a suspense account. After calling several times, they said that they applied those payments to principal. When the account was transferred to XXXX XXXX, I started getting mortgage statements that showed I was one month behind. That caused me tremendous anguish and I started calling the servicer to request an explanation. After calling numerous times with no logical explanation received from them, I requested to speak to a supervisor and the representative finally told me that the reason they were showing a month behind, was because the prior servicer applied my last payment ( that was my regular mortgage amount ) to principal. The lady told me there was nothing she can do and that I needed to just make another payment. I told her I do not have {$6000.00} hanging around to just make an additional payment. I have a budget, and I made my payment on time, so I needed them to rectify the situation on their end. She replied saying they could not do that. I requested a payment history and she emailed me right away 3 documents that are not legible. I am currently applying for a mortgage to buy a principal residence and when the loan officer saw my mortgage statement that showed I am behind a month, he told me he can not submit that because I would be denied. I have spoke to cpuple of attorneys to see if I can initiate a suit against this lender, but no one seems to want to take my case. Please help.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I signed up for a Citi Best Buy credit card with promotional terms 10 % off first purchase XXXX XXXX XXXX XXXX  I purchased with credit card using signup link on first purchase, first day, meeting all terms. Best Buy Support has confirmed this : " Thank you for the details, XXXX. I have checked and see that your purchase is eligible for 10 % cash reward points. And you have received XXXX reward points for your purchase, and it will be posted on your account by XX/XX/year> so that you can be able to use the points for your further purchases. Apart from this Is there anything else I can help you with? '' The 10 % bonus was not granted, instead it was XXXX points which is ordinary points for the card ( 5 % of {$700.00} ). An attempt was made over the phone to remediate with no success.
Consumer complaint received 2024-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (VA)

I had two loans that was actively paid but during COVID I couldnt keep up with the payments. I was the only one in my household with an income. I wasnt able to continue and they was notified of that. The country was shut down but I was still penalized and now I have those negative remarks that arent properly aged. They are renewing these derogatory remarks yearly. I need to know why those wasnt forgiven when I wasnt the only individual who suffered from XXXX
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have reviewed information based on Bank of America closing my credit card and it seems they only communicate in letters through the mail with no concern for their clients. I have spent and paid off over {$34000.00} in less than 24 months with BOA and I have only made larger than minimum payments the entire duration of being a card member per their customer service representative. My balance upon closing my card was roughly {$2100.00} of a {$6700.00} limit. They also sent me a letter in regards to my cancelled payment issue saying we understand things happen, please take care of the issue which I did in less than 24 hours. Apparently they dont understand because they simultaneously sent me a letter closing my account. I am not satisfied with their response. I will continue to seek restitution and will continue to ask for help through third party mediators.
Consumer complaint received 2024-09-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (CO)

I have emailed Hyundai Motor Finance three times during the past two weeks and spoke to XXXX in their collection dept on XX/XX/year>. 

In all of my communications, I have disputed the debt and stated that the full payment amount of XXXX that was due on XX/XX/year> was paid in full electronically by my bank on XX/XX/year>. I also provided a payment confirmation number provided by XXXX XXXX  and offered a copy of my bank statement which confirms full payment was made. 

I then filed case number # XXXX with XXXX XXXX  on XX/XX/year>XXXX  informing informing them thatHyundai Motor Finance was calling me every day requesting payment. 

I asked Hyundai Motor Finance to cease and desist contacting me by phone but they continue to do so on a daily basis.
Consumer complaint received 2024-10-31
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. (AR)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX Balance {$200.00} XXXX XXXX XXXX {$390.00}
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

This account was open because of identity theft and have nothing to do with me I demand immediate deletion this information from my report and will proceed with police claim on this, provide me proof the account is belonging to me you personal review does not proving that this is mine I dont sigh for this account and never opened they reporting this account on my name that i never have and never opened Account info Account name RESURGENT/LVNV FUNDING Also known as LVNV FUNDING LLC Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/year> Status Collection account. {$980.00} past due as of XX/XX/year>. Status updated XX/XX/year> Balance {$980.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$980.00} Highest balance - Terms 1 Months On record until XX/XX/year>XXXX XXXX
Consumer complaint received 2024-10-22
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Strategic Alliances, Inc. (GA)

6 years ago I had a XX/XX/XXXXaccount. I didn't have any money in it and overdraft it {$280.00}. They gave me the {$30.00} overdraft fee. Then kept giving me the {$30.00} fees daily for quite some time. They sent it off to a creditor company. In XXXX I started getting mail from a creditor company informing that I owed {$1200.00} to XX/XX/XXXXon this account. I went to XX/XX/XXXXto set up a new bank account for myself in XXXXXX/XX/XXXXXXXX and put {$100.00} into my new account. Within 3 days the money was gone from a " recovery offset. '' I freaked out and came to XX/XX/XXXXto find out what it was. They told me it was from owing that money all those years ago. I asked XX/XX/XXXXhow to take care of the issue so they don't keep stealing money from me. They told me to call them. I then called and attempted to set up {$50.00} a week with them. I went to make my first payment in the branch, as instructed by the creditor company. XXXX told me the account was closed and they couldn't make payments to it. So I was confused and let it be. Money never came out of my account after setting up payments. In XXXXXX/XX/XXXXXXXX I received a refund check for this account amounting in {$970.00}. In the letter it stated " since your account ending in **** is now closed, we are enclosing a refund check in the amount of {$970.00} representing certain past overdraft fees. '' I assumed this meant they realized I never owed them {$1200.00}, only the original {$310.00} ... ( {$280.00} I used and {$30.00} overdraft fee ). After the refund check I never got anymore mail from the creditors. XX/XX/XXXX I got a piece of mail stating I still owed {$1100.00}. I was hugely confused and called XX/XX/XXXXand had not gotten a response back from the branch XXXX. XX/XX/XXXX I went to pay my rent with my {$1200.00} in my current account that I had since XXXX, and my money was gone from " recovery offset '' yet again. I go to XX/XX/XXXXand the branch XXXX calls the recovery offset line and speaks to them and she basically told them they will not refund me the money they took without authorization, and gave XXXX explanation for the refund check they sent me and why they didn't just apply it to the debt owed if that's what it was originally intended for. Now I'm in a bind because they quite literally stole money from me. I don't know what to do.
Consumer complaint received 2018-03-20
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. (TX)

The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

On XX/XX/XXXX I contacted them re my property taxes for XXXX which had not been paid and were delinquent. I was told to send them a copy of the bill which I emailed to them that day. I was told the taxes would be paid on XX/XX/XXXX. As of this date XX/XX/XXXX they have still not been paid. I have called them numerous times, the last time on Friday, XX/XX/XXXX, and was told they would overnight the payment. A check this morning with the XXXX XXXX tax office shows that payment has not been received. The amount for the taxes is in my escrow account and has been since XX/XX/XXXX when I closed on the property. 
I was on hold the last time for an hour and was assured that the taxes would be paid promptly. I am told the same thing every time I call, but no payment has been made.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2018, I filed a complaint with CFPB against Experian ( Complaint No. XXXX ) regarding an incorrect balance on an account. Experian responded that they would update my credit report to reflect the correct balance of {$0.00}, but instead they changed the balance to " Not Reported. '' There is no balance on that XXXX account. XXXX submitted a XXXX to the IRS, which means they CANCELED the debt. I have paid taxes on that amount as earned income. The balance should be XXXX DOLLARS. To say " Not Reported '' implies that there is a balance and it just wasn't reported. This is misleading. I want Experian to do what they already said they would do and list that balance as {$0.00}. 

I am attaching a copy of my original complaint showing Experian 's response in which they agree to update my balance to {$0.00} and a copy of the updated credit they sent me which does NOT list my balance as {$0.00} ( please see page six of the credit report ; I highlighted the relevant part ).
Consumer complaint received 2018-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

HSBC advertized the following : " Deposit a minimum qualifying balance of {$10000.00} or more in new money in cobined checking and savings acounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. You will automatically receive the {$350.00} Welcome Deposit in your new HSBC Advance checking account approximately eight weeks after completing all qualifying activities ; It's that simple. '' I opened the account XX/XX/XXXX, and made the XXXX deposit on XX/XX/XXXX. The balance stayed at XXXX or more for longer than 90 days ( specifically through XX/XX/XXXX- ie, 98 days ). It has been 8 weeks since then, and I still have not received the bonus. 

Additionally, when I spoke with XXXX ( a phone representative on Thursday ) she also said the bonus should have been in my account last week, and that should would look into it, and call me back on Friday. She did not call me back, and she still has not reached out to me or resolved the issue.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

Care credit card is horrible. I paid off what I owed on the card on time and more than the minimum balance, and when I went to use the card they had automatically closed off my account. Did not send me a letter explaining why and when I called customer service they were beyond rude and hung up the phone on me. All they told me was that although I had a good history with them because I did not use they card constantly they closed it. They also told me to re apply but if i don't use the card regularly it will be closed again. Every time you apply for them it affects your credit report even if you are approved. Its a credit card that can only be used for medical visits, medication, glasses ... etc, it's not something you are going to use everyday or month.