davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (SC)

There are 2 credit inquiries on my credit report with all 3 credit bureaus. I have never had an interest in credit cards nor do I have a credit card. These inquiries were not authorized by me. I have contacted XXXX XXXX who in return told me to contact the credit bureaus. Each credit bureaus has advised me to contact XXXX XXXX to have them removed. I have sent out multiple inquiry removal letters to each credit bureau via certified mail and to no avail of deletion. The dates that these inquiries were posted to my report is XX/XX/XXXX & XX/XX/XXXX. These inquiries were not authorized by me and I would like to have them removed. 

I also have a credit inquiry on my report from XXXX XXXX on XX/XX/XXXX that I did not authorize & I received the same feed back from both the company & the bureaus. I have been a XXXX cell phone customer since XXXX & I have no need or use for XXXX XXXX XXXX. 

I am not sure what XXXX XXXX is or the reason for them performing a Credit Inquiry on me but there is an inquiry on my report from this company on XX/XX/XXXX that I did not authorize. 

I have not authorized any of the above inquiries & I have not been successful in reaching a resolve with these companies or bureaus one on one. 

Their reportings are in violation of the FCRA.
Consumer complaint received 2017-12-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (LA)

In XX/XX/XXXX, I was in a car accident with my XX/XX/XXXX XXXX XXXX. I had insurance as well as gap insurance. In XX/XX/XXXX my personal insurance paid 5000 plus towards the loan and my gap insurance paid the remaining balance. I received a letter from Santander Consumer that my loan was satisfied and the lien was released from the title. I have enclosed a copy of the letter from Santander Consumer. I have contacted the company multiple times and was unsuccessful with getting them to remove the false information from my 3 credit reports.
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CA)

I had a Personal Account in Santander Bank at XXXX XXXX XXXX, XXXX XXXX XXXX, NY. Four checks were cashed fraudulently from my Bank Account on - check XXXX - XXXX/XXXX/XXXX - {$2500.00} check XXXX - XXXX/XXXX/XXXX - {$6600.00} check XXXX - XXXX/XXXX/XXXX - {$9000.00} check XXXX - XXXX/XXXX/XXXX - {$7500.00} Totalling {$25000.00} The bank did not inform me that they are cashing any of these checks, these big amounts were cleared without informing me by any means from my personal account, I came to know about whereabouts about my bank Account when I came to XXXX in XXXX, since then I am trying to recover my lost money but it has gone in vain. I am an XXXX citizen and did n't know what to do regarding this fraud as I am not aware about how things work in America, recently one of my XXXX friend who lives in America agreed me to help on this matter, and I am taking his help An Affidavit of fraud was filed with the Bank in the month of XXXX XXXX and an investigator ( XXXX XXXX XXXX ) was assigned for the case but he was on a holiday till XXXX XXXX when I got hold of him and he is still not cooperating, he does not reply to his email and most of the calls I make to him go on voicemail. I want {$45000.00} back from the bank as I have had to face a loss of {$25000.00}, interest costs, the opportunity cost, mental stress and mental harassment from the bank. thanks Case is not under Litigation and is dismissed by me, dismissal attached with the complaint.
Consumer complaint received 2017-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NJ)

Yesterday ( XXXX XXXX ), I was using coinbase via my account to trade bitcoin. I had added my debit card to the account to initiate another deposit and then tried to initiate a {$700.00} deposit into the account. This transaction was denied twice, I think that I missed that there was an account limit of {$750.00} per month and I had already deposited {$700.00} previously ( XXXX XXXX, XXXX ). Because of this, the system flagged my account and disabled trading on it. Due to this, I was locked out of my XXXX account altogether ( XXXX and Coinbase are the same company, XXXX is a more in-depth trading site for advanced trading, I can login to XXXX through Coinbase ). This is the main problem because my initial {$700.00} deposit from XXXX is in my XXXX account, plus I had an additional {$700.00} bank deposit directly into XXXX a few days prior that was pending into that account. Altogether, with the recent rise in value of bitcoin, I have approximately {$1600.00} worth of USD/Bitcoin in XXXX which I 'm currently locked out of. 

Coinbase support is notoriously non-existent. I 've tried contacting their support members on XXXX, opening a case with their support, and phoning their support line, all to no avail. Essentially, I just need access back to my XXXX, and for that to happen, buying to be re-enabled on my account.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I opened a XXXX XXXX credit card on XXXX XXXX. I tried to pay the bill over the phone in late XXXX. I received credit card bill statement in early XXXX. The online system to pay my XXXX XXXX credit card has never recognized my activation or registration of the XXXX XXXX card and is generally inoperable. This is a huge inconvenience. I have contacted the company and gotten no response. I DO NOT WANT TO PAY A LATE FEE when I have spent hours trying to pay this bill on time.
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I just found your website. Wish I had learned about it earlier. This complaint is not timely nor do I want a response. I just think those in charge of banking law enforcement should be aware. 
It 's been a couple years now. I deposited a personal check from my mother in a Wells Fargo checking acct. at one of their ATMs. ( XXXX XXXX, Ca. ) The screen reported that the check was " questionable '' and funds from this deposit would not be available for 10-14 days. I now know that checks must be honored or returned in no more than 4 days max.. 
Here 's the kicker! A couple months latter, I deposited a tax return check from the State Of California. Again, I was informed that " our system finds this check questionable '' and funds would be delayed for 10-14 days. If this is widespread, I can see how it could be lucrative for Wells Fargo. Free Money! 
Shortly thereafter, I heard they were in trouble for other violations. But I never heard of them being charged for this. Just headsup!
Consumer complaint received 2017-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

On XXXX XXXX, XXXX, a person named XXXX XXXX accessed my checking account and conducted 3 transfers from my account to her account. This person added themselves as a member to member payee on XXXX XXXX, XXXX at XXXX XXXX. At approximately XXXX XXXX, the following transfers were conducted to that persons account, {$280.00}, {$580.00}, and {$1500.00}. My spouse noticed the transactions around XXXX XXXX and we contacted Navy Federal Credit Union. Shortly after XXXX on the XXXX of XXXX we filed a claim with the fraud department, this claim would not be posted until XXXX XXXX on the XXXX. I spoke with a service representative around XXXX XXXX on the XXXX and they informed me that once the claim was assigned an investigator they would have 10 business days to complete the investigation and provide their findings. I called back on XXXX XXXX, XXXX and they informed me that an investigator had been assigned on the XXXX. We have called multiple times within that time frame and have not received any updates as to the projected completion of this investigation. I called this morning, which is 12 business days after the assigned investigator, and they informed me that it would be until the middle of next week until it would get completed. I am currently working on a written notice to Navy Federal Credit Union informing them that i require additional information and updates. During this whole situation they have not contacted me or my spouse to update us.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

Upon learning of the Equifax breach I placed a credit freeze on my account for myself and my wife. This was relatively easy for XXXX XXXX XXXX, Equifax was very cumbersome for my and could not be activated for my wife 's. I guess my biggest question is why must a consumer be burdened with contacting the 3 bureaus independently? Why ca n't there be a one stop  method for initiating the freeze?
Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (FL)

I 've had a JCP credit card for over five years and have paid my bills on time. At one point years ago, I even paid off my balance but I kept the card and kept using it over the next few years. In XX/XX/XXXX, I decided to once again pay off my bill and did so online. During that process, I realized that I used the wrong account to pay off my balance so I called the company to inquire about the best course of action. We came up with the solution that I would stop the payment on my checking account and that same day, paid off the balance using my savings account. I thought that was the end of that and since I have never had a problem with JCP, I was under the impression that this was taken care of. A month later, I received a bill and after I reviewed it, I realized that the payment was not taken out of my savings account so I called the company, and paid the bill over the phone again. The next letter I received was from JCP stating that they have closed my account. I asked what the reason was and I was told that I have stopped payment on the account and that my last two attempts to pay was unsuccessful and returned. They asked me to submit proof that I had indeed paid off the balance and I sent them the attached copy, thinking that would solve the problem. I also called my credit union and with a representative on the phone from my bank, they confirmed that the payment was paid. Now, this is three months later. I received another bill from JCP and at this point I was livid. But, there was this customer representative on the other end of the line from JCP, who is one of the best ; she carefully reviewed my account and informed me that the reason my payment was being declined over the past few months was because I was using a savings account to pay off my balance and that is why my payments were being rejected. No one prior to that conversation from JCP has ever told me that before. So, my account was closed and I was accused of using a fraudulent bank account to pay off my balance, when all along, I was just not informed. Needless to say, I drove to my credit union which is 2 hours away, obtained the cash and paid my account in full. I am not sure what happened with my credit union and why the payment was not sent, but I am in the process of discussing that with them. My fear is that this was reported to the credit bureau resulting in my credit score being affected, and, I am without a JCP card. I would love my card back, but I refuse for them to run my credit. I believe that they should reinstate my card because they neglected to inform me of the reasons why my payments were being rejected.
Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SUNTRUST BANKS, INC. (CA)

On XXXX/XXXX/XXXX I redeemed some of my rewards points for my suntrust credit card for three {$100.00} XXXX gift cards. They never arrived. I called Suntrust and they were very unhelpful, they refused to just give me the gift card numbers, or to cancel the gift cards and send new ones. I also filed a complaint on XXXX I believe but I have heard nothing back from them, they have sent me no updates, or even an acknowledgement that my complaint was filed.
Consumer complaint received 2017-12-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc. (MA)

I had opened a card up with XXXX i didnt recieve anything i wasnt even able to put my card inforamtion into the computer all i was asked for was my my address i gave them my address which is the same as where my items had shipped ok a week goes by still didnt get my card or a statement ok calls in its XXXX at this point i ask the lady when will i recive the card she says in 7 to 10 days another 2 weeks go by i call them again and explain how i havent recieved a statement or a card yet from the company the lady says she willl put in for a new card and that the cards due date will change from that month to the next month of XXXX XXXX comes i called the second week explaining that i still havent recived a card or a statement what is going on same thing happens she says that the statement date will change because i cant even acces my account online without getting my card shipped to me XXXX the XXXX I called them and the guy said the same thing wheni called this time the automated voicemail said i now owe a late fee the guy said not to worry he will wave the late fee from the card for me because i havent had access to my account in the 1 st place and havent recieved a card or a statement today i called because this is all becoming too much and they said its now sent to the collection agency which i dont understend why she said i was 60 days overdue which doent make sence any and the tab is XXXX dollars im like for what reason when you guys said 2 times not to worry and now its in collection i asked how was i supposed to know and how was i suppsoed to know with no access to my account no email notification or anything not even a call from them no statement the woman told me i and continued to tell me that i put the wrong address in and that its my fault and to pay the money and get over it im like i want to talk to the company they refused to let me talk to anyone that wasnt in collections what doent make any sence what can i do
Consumer complaint received 2017-12-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Dealer Funding, LLC (PA)

On XXXX, purchased an XXXX XXXX from XXXX XXXX XXXX located XXXX XXXX XXXX, XXXX, PA XXXX. Put a down payment of {$5500.00}, and financed {$14000.00} with Dealer Funding located XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. My monthly payments were {$370.00}. On or about XXXX, called Dealer Funding to make loan payment, and was advised by Dealer Funding associate that Dealer Funding can not accept my monthly payment. Dealer Funding associate advised me that Dealer Funding were not licensed in Pennsylvania to issued auto loans, and my auto loan has been transferred to XXXX XXXX XXXX. Requested an full refund, and my account to be a XXXX balance from the associate and advised her Dealer Funding committed loan fraud by providing auto loan to me without being licensed in Pennsylvania. Dealer Funding associate advised me there is not that can be done.
Consumer complaint received 2017-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

A company named XXXX XXXX - In XXXX FL. Would send a colection letter for the last 2-3 years claming that I owed XXXX {$300.00}. I called XXXX and XXXX informed me that not only did I not owe them anything, but that the Account Number DC was using was not in the format that XXXX used for their Accounts. Now Diversefied Consultants has filed a colection notice with XXXX. My credit score went down 30 points! this company needs to not only remove the Collection clame, but pay damages!
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (LA)

I 've recently pulled my credit report, because I 'm in the process of purchasing a home. When looking over my credit report, I noticed a debt that I have absolutely no knowledge of. This company is claiming that I owe them {$2600.00}. I have never heard of this company nor do I have a contract with this company. I DEMAND that this company properly validate this debt, bearing a signature stating that I agreed to owing this debt or a signed contract agreement. If this company ca n't provide the proper signed documents to validate this debt then I DEMAND that this debt be REMOVED from my credit reports.
Consumer complaint received 2017-11-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AP)

I started an income-driven repayment plan in 2016 with various lenders. Instead of reporting that I am currently on an income driven repayment plan and have smaller payments, Navient continues to report that my monthly payments are over {$600.00} which is negatively affecting my credit report. My other lenders ( like XXXX ) clearly state that my payments are lower as a result of my IDR. My husband and I are trying to purchase a small home so we can build equity and eventually have a savings, but we continuously run into issues because my credit report shows that I have a $ 600 monthly payment, on my student loan, when I do not. I have called Navient on numerous occasions and they refuse to correct this issue. They state that is the method they use to report and that I should know what my monthly amount is. However, they have no contingency plan for how it is affecting my credit report. I frequently get paranoid about payments because I want my credit history to remain clear. Navient website also shows that I have a {$600.00} payment due, so I often pay something to avoid penalties. I call every so often to verify the amount of my payment because my other lenders have the information very clear and concise on their website. It is very confusing and I feel like Navient is purposefully misleading borrowers so they pay more than they have to.
Consumer complaint received 2017-11-27
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. (VA)

Okay so I fell behind on my car payments. I was in the hole from the beginning because it was to my understanding I will get a bill in the mail stating how much I owed and how to pay. I did not receive these letter until my car payment was already past due. I tried to catch up the best I could at the time when I made my first payment I owed a total of roughly XXXX dollars I paid  XXXX of it that day and another XXXX a few days later. To bring the total amount due down and months owed. I had just got my pay check so I called last night on XX/XX/2017 to see how much I owed total to bring my current total amount due back to 0. I owed XXXX dollars this morning I woke up to find my car had been repossessed. I called Santander ( my loan company ) to see if I could make my payment of the full amount dude to get my car back and they refused to reinstate my loan after repossession due to failure to maintain timely payments. When it was partially their fault I was behind on my payments in the first place seeing as they never sent me any bills via certified mail. I take responsibility on my part because I should have been more diligent in finding out how much I owe and when payments were due. But I have always paid my bills via certified mail. They refuse to help me in anyway they keep telling me its company policy to not reinstate my vehicle even if I pay the current amount due in total they say they only way they will surrender the car back to me is I pay the loan off in full. I never received a written letter ( notice ) via certified mail notifying me that my car was in default and due for repossession. I live in XXXX and XXXX XXXX XXXX states in order for the lean company to reposesss your vehicle they must send you a written letter 10 days prior to repossession with the current amount due to give you a chance to pay the amount and keep your car. The company admitted to not sending me this letter stating that va law does not require this and they can come get it when they want. All I want to do is pay my amount due current and continue on with making my payments on time but they do not want to help me do so. Please help me.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In XX/XX/XXXX I asked for my credit report and they keep changing the dates on trans union has me for XXXX XXXX services balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. XXXX has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have paid this loan for approximately 10 years ( XXXX to current ). 

The original loan amount {$60000.00} Current balance {$49000.00} Pay down over 10 years {$11000.00} Annual principal reduction per year {$1100.00} Projected Loan Pay Off XX/XX/XXXX( I 'll be XXXX years old ) I believe that the loan is a Predatory mortgages and is unfair and abusive. The terms of this loan maximizes the lender 's profits while making it very difficult for me to repay the loan. I have little financial knowledge and minimal financial resources. 

I am uncertain if Wells Fargo has violated the federal Fair Housing Act by engaging in lending practices that favor the lender not the homeowner. This is a very bad loan for my circumstance which can result in foreclosure from a single unexpected change in my lively hood or health. 

To worsen matters, Wells Fargo has placed PMI insurance on my second mortgage even though I have an impound account with my first mortgage company. My first mortgage is and has been current. I have asked Wells Fargo to provide me documentation substantiating the additional fees yet they has not provided me any information.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (NC)

I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.