davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AL)

My wife and I have a joint auto loan with Santander. They have placed late payment notices on our credit reports and payments on the loan were made on time. We have contacted Santander about the problem and have disputed the reports, but have gotten no satisfaction. We went as far as sending Santander bank receipts of the on time payments but they refuse to correct the problem.
Consumer complaint received 2015-04-06
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (WA)

I have an account with the Paypal service, the service works by allowing me to transfer money into an online account then pay for things online that accept Paypal payments. I have had this account for many years, and the way it always worked I had to wait for the bank to transfer the money into the Paypal account, it took between three and five days to complete my transfer of money, and if I did n't have the money in my paypal account I could not purchase anything with the account. I was using this account to pay for my phone bill with XXXX XXXX, I allowed XXXX XXXX to acces my Paypal to pay my bill monthly, I decided in XXXX of last year to stop the subscription on my XXXX XXXX phone, I attempted on line to cancel then went to my paypal and as a measure of insurance to cancel my Virgin subscription I made sure ther were insufficient funds in my account with Paypal. When a request came to my Paypal account from XXXX XXXX Paypal instead of refusing the payment since I had insufficient funds decided to go into my checking account without my permission and pay XXXX, and they did on the day they requested payment, I called Paypal and requested a copy of my authorization for Paypal to remove funds from my checking account without my direct or even my indirect consent, XXXX XXXX XXXX agreed toreturn XXXX of the XXXX payments that were made before I caught what they were doing, Paypal XXXX that there is no problem since they did not profit. I do not agree with their assessment that there is no problem, for XXXX this is a huge problem that they would give a company access to my checking account without my approval. for any reason, and that they not only transferred the money without my approval, but they did it in XXXX day, something they would n't do for me, and that Paypal even paid them when if I had put in a request for payment above my Paypal balance would be refused. I am so angry about their complete lack of respect for me as an individual and the courtesy they extend another company, even if they have to steal my money to make XXXX happy. I still have XXXX charge of {$44.00} that XXXX wo n't refund, and I think that Paypal not only owes me for that XXXX payment but I think there should be some form of punishment to Paypal for such an obvious overreach.
Consumer complaint received 2015-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

I HAVE NEVER RECEIVED ANY FORM OF NOTIFICATION FROM THIS COLLECTION AGENCY AND NOT GIVEN DUE PROCESS TO DISPUTE WHAT THEY STATE THAT I OWE. I RECEIVED AN ALERT FROM THE CREDIT BUREAU EXPERIAN STATING AN ENTRY WAS REPORTED TO MY CREDIT REPORT. I CAME TO LEARN THAT THEY WERE TRYING TO COLLECT ON A XXXX ACCOUNT THAT I HAD DISCONNECTED IN XX/XX/XXXX. THEY ARE STATING THAT THE DEBT IS FROM XX/XX/XXXX. I STOPPED USING THEIR SERVICE BECAUSE THE TECHNICIAN COULD NOT FIX THE PROBLEM WHICH CAUSED ME TO HAVE NO SERVICE WHEN IT RAINED THAT WAS IN XX/XX/XXXX. THEY HAVE RE-AGED THIS DEBT AND HAS KNOCKED MY SCORE DOWN BY XXXX POINTS. THE COLLECTION AGENCY IS ENHANCED RECOVER COMPANY, LLC OUT OF FLORIDA.
Consumer complaint received 2015-12-04
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Some of the collections our from XX/XX/XXXX to XX/XX/XXXX they have had a charge off from the original. And I have been called for years from other debit collectors.
Consumer complaint received 2015-12-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

I have been having issues with paying the full payment each month to One Main Finacial. I have tried talking the ladies at the local office and letting them know that even though I am paying less than the normal payme I am paying something at least once a month. I receive harassing phone calls from them on a daily basis pressuring me to pay more that I can not afford to and now thy are calling not only me but my place of employment and my co borrower and his place of employment. I have asked them several times to stop since I am paying something on the loan each month and it continues everyday sometimes XXXX times a day. I am afraid they are going to cause me to loose my job then none of my bills will get paid.
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (NH)

I use PayPal to pay for purchases I make on EBay. My PayPal account is set to default to my linked bank account, and has been set this way for years. Today, I noticed that my default had been changed by PayPal without my knowledge or authorization to go through PayPal credit, which I neither requested nor wanted as there was plenty of money in my bank account. Now PayPal is making it difficult for me to pay my bill, as the payments are still " pending '' and there is no way to pay online. I am afraid that I will be forced to incur high interest and default fees for credit charges I did not request and which were not authorized by making it impossible for me to pay my bill promptly ( as they have a policy of putting you in a " credit loop '' which allows them to hold your payments until after they are due. ) I see many other people online complaining about the same unfair and deceptive practice. This needs to be investigated. As soon as I am finally able to pay my bill, I will be closing this unwanted PayPal credit account - hopefully, that will be an end of the matter.
Consumer complaint received 2015-12-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

My debt is from XXXX which is almost 17 years ago. I was told by both of the original debt collectors they would write off the XXXX dollars because I became ill and could not work due to my illness in the year of XXXX. Out of no where Midland Credit Management , INC . took money out of my checking account and threatened to keep it and sue me if I did not give them XXXX of dollars. I had to go to court and they gave me a card to call MCM. I called them immediately and explained my current my financial status that was in the area of poverty and if my money was not returned I was going to be homeless. I told them that I had not been contacted by them and they agreed to return my money only under the conditions that I I setup a payment plan with them to pay off thousands of dollars. I agreed to pay XXXX a month until it gets down and then they will make an offer to pay it off. Well, I been paying faithfully every month for 8 months. This past XXXX ( XXXX ) I got a letter that said I needed to set up a new payment plan. I called them and paid them XXXX and they never told me it was for a different collection they picked up on me in the year of XXXX during the same time of my illness. I went through a divorce due to my illness and he left me with all the bills. I am not a dishonest person I just did not have it and have not been able to recover from my illness is the reason for my low socioeconomic status. By this company not telling me there was a new bill I was paying on the bill got me behind a month so i tried to call and tell them what they did and they acted like they did not know what I was talking about. I gave them XXXX for both months. I called the other number to try and get to the bottom of this issue and they hung up on me several times and they gave me false numbers and I was only connected to the credit managers in XXXX. They would not connect me to an English speaking person and they were very rude and hateful to me. I tried to tell them that I did not know about the new bill and they said that they explained it to me and they did not! I do not know what to do I was XXXX at the time of these bills in the year of XXXX. Please help me to resolve this issue. I will be fair but I cant get any answers and I am afraid everyday they are going to steal my bill money again. I do n't know my rights but i do know that I feel violated and I am afraid of this company. I cant find a number that is in the US. Please HELP ME!!!!!!!!!!
Consumer complaint received 2015-06-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (OH)

In XX/XX/XXXX, we XXXX learned that our mortgage payment had almost XXXX in XX/XX/XXXX ( I think XXXX but we were n't notified. We have been making our monthly payment plus an extra {$50.00} each month, but suddenly we are some {$2000.00}. delinquent and facing foreclosure. We get multiple phone calls from a machine and XXXX notices each week, but when we try to reply, we leave a message and get no response from a human.. I have sent numerous letters also. Being retired and having a recent XXXX XXXX, I cant afford financially or physically to pay what they now expect. I feel threatened and scared. I do n't know what to do at this point. I NEED HELP. I want to keep my house and have made monthly payments for over ten years, and now this.
Consumer complaint received 2015-06-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (LA)

I apply for a loan online an was approved, but did not know that the interest would be daily added. I thought it was a signature loan. Then I did n't know that at the time the company was not registered in my state. They have tacked on high interest that I can not afford I have paid already on the loan.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I first file complaint against TransUnion about information regarding my credit report. My FICO score was about XXXX with reporting to XXXX XXXX company. After a period of time information was deleted from my credit report but my rating went down somewhat. TU ( XXXX ) FICO On the complaint filed with Consumer Financial Protection Bureau case # XXXX section Desire Resolution I stated that " I want information removed from their credit reporting companies and XXXX points put back on my credit report with good standing. TransUnion did response and delet the information but the FICO SCORE was still to low.
Consumer complaint received 2015-06-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (FL)

I have had nothing but trouble with a chase bank line of credit. The balance is about XXXX. I pay about XXXX per month, although i have been paying extra monthly toward principal. This is the situation. XXXX in 2013 i attempted to refinace my home with XXXX Bank. I still have all emails regarding this. Due to my difficulty in getting a sobordination from Chase i could not refiance at the low rate. It went up during the time i was doing this. In addition my amount was XXXX available but they refused to provide a sobordination unless i signed a paper ... forced lowing my amount to what i owed which was about XXXX. I had no choice..blackmail. Due to their delays and the requirement which took time, i did not get to refinace. Now i have been approved to refiance with Harp at XXXX XXXX. My credit is about XXXX and i have no " dings '' on credit report. At that time in 2013 i paid for the sobordination but never acutally got it or used it as i withdrew my refiance due to all the delays raising amount of interest. Not worth it. Now i would like to refiance and i dont feel i should again pay for this. Especially with the incident i am also complaining about that occured this week. I went to make my payment. I had called to find out the grace period, as i always pay in person and i was out of town on the XXXX the date due. I found out i had 15 days with no late payment. So on last Tues I went to make my payment at the Chase Bank at the XXXX, Fl Branch XXXX. I had the ck written for XXXX as i have done that to pay part on loan and part on principal. They REFUSED to take the check. the insisted it was late and the balance needed to go for late fee. The manager, not to bright, came out and agreed. I called Chase on phone ( they say recorded XXXX these calls XXXX and they verified no late fee. I then took my phone, called chase and put the manager on the Phone with Chase. They advised him no late fee. They had to tell him how to do his job. I had another appointment ( XXXX per hour ) that i could not go to dealing with this treatment by this bank. Then, after hanging up he made me write a new check for the exact amount. To DATE i have not been about to pay on the principle.I then wrote a XXXX check to go to principal. The BANK refused to accept the payment toward principal. I was in a hurry and did not again call Chase to teach this manager how to do his job. So i will be charged interest i should not have based on extra payment. What a bank not allowing you to pay toward principal???? He told me to mail it.
Consumer complaint received 2015-04-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (CO)

I took out a payday loan from spotloan for 700 $ on XXXX. I received the money deposited into my account. I didnt keep the contract but I am pretty sure it was {$230.00} for six month. On the XX/XX/XXXX I made a XXXX dollar payment which was withdrawn from my checking account. I called late XXXX and said I cant make the XXXX payment. They said OK. They would add money on to my next XXXX payments and the payments would be XXXX. I got a letter as follows, which shows they are ok with payment plan. 

Hi XXXX, I just want to remind you that your Spotloan payment of {$300.00} is scheduled for Thursday, XXXX XXXX 2015. Please let me know right away if you have any questions. 

Spotfully, XXXXRelationship ManagerXXXXXXXXXXXX ext. XXXXIf you have any questions about your account, please email us at XXXXXXXXXXXX or call us at XXXX. If you would like to write us, you may contact us at : SpotloanXXXXXXXX XXXX, IL XXXX Spot loan withdrew money from my account on XXXX and XXXX for {$300.00}. On XXXX i received a letter from spot loan as follows. 
Dear XXXX, We are writing to let you know that Spotloan is no longer operating in the state of Colorado. As a result, your account and payment history have been transferred to XXXX XXXX. You will continue with the payment schedule you agreed to when you accepted a Spotloan, but moving forward you will be making payments to XXXX XXXX. 

If you have questions now or in the future, please reach out to XXXX XXXX at ( XXXX ) XXXX. 

Thank you for being a Spotloan customer. 

Sincerely, Spotloan Help TeamSo in XXXX XXXX financial tried to withdraw XXXX or something close to that and the funds were not available. I made a payment on XXXX for XXXX and XXXX for XXXX to make up for the XXXX to XXXX XXXX. I have not made a payment for XXXX and do not feel that I owe any more money. I was not give the opportunity to pay the loan off early after XXXX and easily paid XXXX the amount of money. XXXX XXXX claims that I owe an XXXX, XXXX and XXXX payment. I did contact both XXXX XXXX and spotloan which got me nowhere and was hung up on.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to dispute an address on my record. I have never lived at this address:XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I have written to the XXXX credit reporting companies in the past to remove this address, as I have never lived there, but it still remains on my record. I am writing to request its removal once again.
Consumer complaint received 2015-09-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (LA)

I financed a XXXX XXXX XXXX XXXX/XXXX/XXXX through Drive Financial XXXX for XXXX payments of {$650.00} first payment coming due XXXX/XXXX/XXXX. Total of payments at maturity would be {$46000.00}. Sometime thereafter, Santander Consumer USA bought the contract. My maturity should have been XXXX/XXXX/XXXX XXXX changed due date from XXXX to XXXX ) However, due to XXXX extensions/defferals ( job related issues, will elaberate when necassary ) it was changed to XXXX/XXXX/XXXX & all subsequent statements reflect that date. At the time of my XXXX XXXX statement, it showed that I still owed over {$10000.00}!!! Also, from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX XXXX 14 months XXXX my balance did not change!! I 've continued to make payments to avoid a possible repossession & as of my last payment XXXX/XXXX/XXXX they 're still saying I owe {$8500.00}. I 've added up all payments from my payment history & total monies I 've paid Sanatnder is {$49000.00} which is {$3000.00} over what my contract calls for!! Their contract reads that they can apply the payment to either the Finance Charge or Principal Balance or to any other balances I owe, " in any order they choose '' & it seems they 've done just that!! 

I 've lived up to my committment on this contract & feel that I 'm no longer obligated nor willing to pay them another cent! I ca n't afford another vehicle & looked forward to paying off this vehicle to have breathing room within my budget! No matter who you talk to at Santander, they ca n't give any explanation & have no clue as to what 's happening & stick to some pre-written script to answer questions. 

This company has XXXX complaints filed against them with the BBB XXXX XXXX XXXX XXXX XXXX websites just to name a few. Numerous suits have been filed, including the United States Dept. of Justice case that was settled XXXX due to violating the Servicemembers Civil Relief Act ( SCRA ), suits involving the Telephone Consumer Protection Act ( TCPA ). The list goes on & on!!! I 've contacted the Texas State Attorney Generals office & they seem blind & oblivous to this company. How can this be when they 're locate din XXXX?? 

I 'm one of many individuals that need help in getting whatever I 've overpaid AND my title! I have all supporting documents needed upon request. 

Please HELP!!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following companies, XXXX, XXXX and TRANSUNION have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 

Closed accounts : 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 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 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 Consumer Laws to reference U.S.C 15- Chapter 41.

15 U.S.C. 1681i ( a ) 5 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) 5 15 U.S.C 1681S-2 15 U.S.C 1681 ( i ) 15 U.S.C 1681 ( i ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (MO)

Credit Collection Services : This company is claiming I owe {$220.00} for equipment and services to XXXX. 

I have never had a direct bill with XXXX, that was handled by my lessor, XXXX. I borrowed equipment at a cost of XXXX per month starting in XXXX, and that was returned by XXXX XXXX. 

The agency is requesting a receipt for the equipment saying that it has not been returned- I called XXXX XXXX XXXX 's XXXX on XXXX/XXXX/XXXX and spoke with XXXX XXXX she said they do not have any information on this purported debt under my name. 

Also if this debt were to be true, XXXX has never contacted me before CCS started calling -- leading me to believe it is a debt wrongly created and sold/passed on to another collection agency. 

Credit Collection Services has no evidence of these debts, just XXXX lines reading : SERVICE AMOUNT XXXX VALUE XXXX
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

ACCOUNT : XXXX/XXXXACCOUNT ACTUALLY OPENED NOT IN XXXX OR XXXX, BUT IN XXXX. 
XXXX is trying to re-age the debt, even though it was discharged in a Chapter XXXX bankruptcy petition. This is a practice highly scrutinized by the Federal Trade Commission. 
The credit bureaus have not done a proper reinvestigation on this credit trade line. All XXXX credit bureaus have a different start date, initial XXXX late start date and end date. 
The account is over XXXX months since its first late payment, and must be deleted under the Fair Credit Reporting Act 7-year rule. 
I REQUEST A FULL REINVESTIGATION TO CLARIFY MY STATEMENT THAT THIS TRADE LINE HAS OUTLIVED THE 7-YEAR MANDATE FOR REPORTING OF NEGATIVE INFORMATION!!!
Consumer complaint received 2017-03-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (PA)

My name is XXXX XXXX ... Loan # XXXX ... on opening my site and checking my LTV I am at 78 percent as per YOURSELVES.. and that is because I have been paying additional amounts to my principal amount ... A paragraph below you say that when I reach 78 % which will be XX/XX/XXXX my PMI will automatically drop off ... How come if I am there already. WHY then do I have to pay {$35.00} per month until XX/XX/XXXX. Then I call and leave a message and XXXX XXXX calls and left a message saying I could get it removed if I pay {$490.00} for an appraisal of my home, thats a joke. you should do the math.. I think I need to wk for you as this will cost me more money than paying {$35.00} for next 6 months ... I did n't know you were that desperate for {$210.00} ... My home was bought for {$84000.00} and I have put siding on it, done landscaping and put a Gazebo in ... so it is worth much more, but lets just leave it at your figures ... .. I do n't like to be ripped off ... ..and I am rather upset ... I pay my money on time and have done business with you more than once and recommended people to you, this is not acceptable ... Please forward this to whom ever ... XXXX XXXX.