davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AZ)

In XXXX XXXX I got an auto loan through Santander Consumer. In XXXX XXXX I traded my car in for a newer vehicle and went to a different lender that paid off the loan I had with Santander consumer USA. Throughout my two year loan with Santander I had no issues and my payments were paid on time through my online bill pay every month. On XXXX XXXX XXXX I went to make a payment to my current leader through my bank website like I have done in the past, however I inadvertently sent a XXXX check to Santander ( who I still had listed in my bill pay ). On XXXX XXXX I realized that I sent my check to the wrong lender and called my bank to stop payment. My bank told me they could not do anything because it was direct funds and was already cashed so I would need to call Santander Consumer USA and have them send the check back. On the same day I did called Santander and was told by a representative that there will be a 15 day hold on the check before they refund the payment. I advised the representative that it was not a live check but a direct funds transfer from my bill pay so there is no need to hold the check and my account with Santander was closed and at XXXX balance due for over a year. She said that is their policy, I asked to talk to a supervisor and she said that they are not available but will have XXXX call me back. Later that day I went to my bank and talked to a banker and they called Santander to explain that the check was cleared from my bank account. My bank also faxed to them the receipt from my bank account. Santander said it will take up to 2 business days to upload to their system to review. My banker called Santander back two days later and was told they need my bank statement printed out. My banker sent Santander my tracking confirmation from my banks fraud department and was told again that it will take two business days to review. Two days later my banker called Santander and was told they can not talk to her about the account but any refunds will take up to XXXX45 days. At this time I was getting frustrated and called Santander myself, I spoke to a supervisor from their headquarters that transferred me back to their call center. I started recording my calls and as soon as I told them they were being recorded they told me they can not talk to me and hung up. I have sent Santander the receipt of payment that shows the funds that were sent from my account. I do not think they need my entire bank statement that has not even been sent out to me yet. Santander is keeping my XXXX and accruing interest in their account, XXXX of which should be in my account. They have not made any further attempt to contact me in regards to this " overpayment '' even though they have all my information from my closed account with them to do so. Overall, dealing with them has been frustrating as I have been given many conflicting statements from different call center representatives.
Consumer complaint received 2015-12-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I received a letter for a short term loan from a company called Castle Payday. Having been hit with unexpected expenses, I contacted them and received a loan in the amount of XXXX and was told that finance charges would total XXXX, though high, I accepted. 

The loan documents that I was able to view at that time did NOT show the " Truth in Lending Disclosure '' that is part of them now. that I would be making interest only payments totaling {$1500.00} plus the amount of the loan for a total payment amount of {$1800.00} for a {$350.00} loan. 

The practice is beyond deceptive and a quick check of this company online shows many victims in the same boat as I am. I am continuing to make payments as per the agreement ( which again I was told would have a finance charge of {$120.00} not {$15000.00} ) for fear of having my credit impacted. This is a deceptive loan practice and have learned by a quick search that I am far from the only person to have been scammed by these people. 

A quick search of the internet showed that even though they are a " Tribal '' lending ( and I use that term to be polite ) company, that the FTC has been granted authority to go after companies that engage in these practices. 

In any court, finding that a company is charging at finance charge of {$1500.00} for a {$350.00} loan totaling charges of {$1800.00} is, to the best of my knowledge, illegal.
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MA)

I currently have a first mortgage with   Nationstar. We are in the process of applying for financing to purchase a new home ( with another lender ).
Nationstar offe  red me a loan modification in late   XXXX    . I paid the  three trial  payments, and was then permanently modified.     When my new lender pulled my payment history,  the three trial payments for the modification period showed as my loan being in forbearance. My loa n was never in forbearance. This is now holding up my financing process with the new home - which I am about to lose to another buyer.     I have spoken with Nationstar numerous times, and I have also sent numerous emails to their research department ( as instructed ) with NO response.     I just received my most recent statement as well - they have been collecting legal fees from me as well without my knowledge, and for no reason. I finished a successful Chapter  XXXX  in   XXXX   XXXX    , and no legal fees should be due at ALL.     I need help. No one is responding - talking to customer service is absolutely useless.
Consumer complaint received 2020-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was instructed to transfer money to JP Morgan/Chase. I explain below how they have failed to do their due diligence and have engaged with a company that is involved in suspicious activities that include potential money laundering and fraud. 

I was the victim of a sophisticated investment scam by a company calling themselves XXXX XXXX XXXX. I see postings that they are a scam all over the internet. I received text messages and engaged with them online from my home in the United States. I made three payments to them by means of international wire transfer. 

When I transferred my money to XXXX XXXX XXXX, I thought that I was going to be investing. What I did not know is that XXXX XXXX XXXX was a scam and completely unregulated. Therefore, I did not actually receive any investment services whatsoever as they never put my funds in a brokerage account for me as I was expecting. All that I received was an online simulation.

I was also a victim of JP Morgan/Chase because they should never have engaged with XXXX XXXX XXXX and their owner XXXX  XXXX XXXX. If they had done due diligence with their client, obtained KYC documents and followed anti-money laundering laws, they would have realized XXXX  XXXX XXXX was a scam. My attorney has sent a letter to JP Morgan/Chase ( see attached ), detailing all of the above and more, to which they have not responded.
Consumer complaint received 2020-09-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have filed a dispute in regards to the incorrect items : XXXX XXXX {$400.00}, XXXX XXXX {$1300.00}, XXXX {$170.00} and XXXX XXXX {$990.00} on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-09-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I filed a dispute with the credit bureau and all they did was to reach out to the lender to verify the payment history. Not sure what is the purpose of a dispute if I present my evidence and it doesnt get taken into consideration. Basically why did you ask me to provide support if your not even going to use it to figure out my case. 
I feel that this system is rigged from the beginning and the consumer doesnt have a chance to win anything that they are disputing.
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (OH)

These are not my accounts. 

XXXX XXXX # XXXX XX/XX/2020 Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CT)

Sls or Specialized Loan Servicing is the Servicers of my Loan! Do to the global pandemic I was forced to take a 90 day forbearance which they further extended to another 90 days totaling 180 days! I was required to file an RMA for a repayment plan! On XX/XX/2020 I was denied any repayment plan because my loan was not within 90 days! I contacted the sls to inquire about the denial and no one could answer my questions or was rude telling me submit a letter in writing we cant give that information over the phone. We have required help in passed and SLS has always been helpful, now during the pandemic they are refusing to even help and denied me on 12 tier of assistance! We were affected by covid and income lose! No one foreseen the pandemic happening and now my mortgage servicer Isnt helping us at all!
Consumer complaint received 2020-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (FL)

I have two federal loans for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The loans are in default but they should be discharged due to XXXX closing, filing for bankruptcy in addition to the fact that I had to withdraw from classes because I needed XXXX XXXX XXXX. I submitted this information to the Department of Education XX/XX/2019 and was notified via email they received the information and there was a lawsuit pending against the Department of Education.
Consumer complaint received 2020-09-18
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. (NC)

I am XXXX XXXX XXXX Servicemember. The vehicle was purchased after joining the service but I am still elgible under certain parts of the XXXX to protect myself from repossession. My vehicle was siezed by an agent ( Colleteral Recovery based in XXXX NC, I am local to XXXX XXXX XXXX, of Santander Consumer USA on XXXX around XXXX from my local address. I contacted the company today to inquire as to why it was seized. They stated my auto payment had been bounced back in XX/XX/2020 due to insufficient funds but was reassured there would be no issue moving forward as to autopay and making that payment online that was bounced back. I was never contacted about this by phone or email in regards to this issue. I attempted to make a payment on the first of XXXX online with the payment portal and it stated I had to contact them by phone due to error processing payment. I did so and they stated it had been bounced back but I could do it online again and submit it as they couldnt currently due to covid process over the phone payments. I attempted to due so and it didnt go through again. I have since then on the XXXX and XXXX of each month attempted to pay online as per their only allowed payment methods with the error message popping up and each time. Upon waking up on today, XXXX I discovered my vehicle has been repossessed overnight. I contacted the bank, received the name to the company who was their agent of Repossession and stated I would like to discuss with someone from the XXXX department. They were unwilling to transfer me stating I am not eligible at all for this protection. I asked if any sort of court order or judgement was signed authorizing the repossession of my vehicle. They stated they didnt need XXXX. Also stating I never signed any sort of waiver waiving my rights to the XXXX. Upon legal counsel acquired this morning I am not eligible for the loan to be capped at certain interest rates but must still receive a court order to have the vehicle taken. My wallet, military id social security card and drivers license are all in my vehicle and I have attempted to find out who has taken the vehicle to at least claim back those items as I need to them for work and have been hung up on. Please assist me as I feel my rights as a Servicemember have been utterly and completed violated under this act and that they didnt do their job to verify I was XXXX XXXX when I initially acquired the loan and my vehicle unlawfully taken without proper court mandated authority.
Consumer complaint received 2020-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NJ)

Back on XX/XX/XXXX I had paid for a online store from XXXX XXXX for {$150.00} from a XXXX and XXXX. This was done first by transferring the funds from my bank XXXX  XXXX XXXX to my CashApp debit card via XXXX, because for some reason XXXX  couldn't process a debit card and the only way to pay was by their CashApp business account, which was why I had the funds transferred from my bank to my cashapp debit card. Made the purchase, communication was great, was even told they may be a delay for a few days because they were 'moving to a new location ' which was fine. I even made a purchase of another store, but with a different checking account ( business ) because I couldn't use the same email, also the same way but using a different cash app account ( also business account ). This was back in towards end of XXXX. Around beginning of XXXX when I've asked about the status of when I should have the online stores completed and delivered to XXXX, I didn't get a response. Sent numerous emails, still no response, and the telephone number does not work.So I've reached out to CashApp and explained what happened, they requested for more info which I've provided, but all I got back was a canned generic response which did not helped me at all. This was going around in a circle. So being frustrated, I've reached out to my bank to see if they can help me. A nice lady did, said she get this all the time, and gave me the credit. I did not still heard back from XXXX and XXXX from XXXX, but I did from CashApp asking me again about the info and I've responded that my bank has granted me the credit. Thought it was resolved until this morning on XX/XX/XXXX I was charged {$150.00} on my personal checking and business checking account! Called XXXX  and was told by a XXXX it was because it was out of their responsibility because it was a CashApp transaction?? CashApp did not help me at all, and in the meantime I have no store, and I'm out {$300.00}!! Please help, I can not afford to lose {$300.00} Thank you so much! 
XXXX
Consumer complaint received 2020-09-18
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (GA)

I have asked XXXX to remove the Ally Bank from my credit report on several occasions. They have refused to remove anything from my credit report. There was a Federal Complaint where Ally Bank Overcharged Minority People on Car loans. I was one of these people. XXXX and XXXX have remove the creditor from my reports but XXXX has continued to remove. All the negative reports was more than seven years and I live in Georgia at six years to remove negative information. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-doj-order-ally-to-pay-80-million-to-consumers-harmed-by-discriminatory-auto-loan-pricing/ Also, the account was charged off. Other collection agencies have tried to collect on this bill and it is not annotated on my credit report.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/2020, I made a XXXX reservation, it cost {$620.00} I cancelled an hour after, but XXXX did not give me my full refund so I disputed with Amex, Amex sent me two letter saying they issued me a credit then XX/XX/XXXX, they said they would rebill me the {$620.00} I need my money back because this is unprofessional, since XX/XX/XXXX I have been stressed out about this dispute, I cant let go of my hard earned money, its so unfair, apparently they said XXXX wont give me back half of my money because I canceled within 24hours, that is very absurd, I have been waiting since XX/XX/XXXX, now they want me to wait till XX/XX/XXXX, for what, I cant believe they would side a merchant against their customer
Consumer complaint received 2020-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

A debt validation letter was sent to IC SYSTEM on XX/XX/2020 with regard to a debt that appears on my credit report as : XXXX XXXX XXXX  XXXX : XXXX. IC System is a 3rd party debt collector, i received no goods or services from them, thus i have no contract with them to owe them anything since they bought this debt for pennies on the dollar and our trying to collect on a debt that they have no signed contract between the two of us. IC System has yet to respond to the debt validation letter that was sent to them certified mail on XX/XX/2020.
Consumer complaint received 2020-09-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

Filed complaint # XXXX XXXX / XXXX XXXX Mortgage continues to report inaccurate information while taking no liability for their actions only to blame me. To date Equifax is still showing outstanding balance of {$88000.00} and late payments. XXXX was paid in full XXXX XXXX in which they denied. XXXX stated I still owe to date the money for Insurance XXXX and Taxes XXXX that they paid on the same day the loan was paid off. XXXX has refused to show any documentation proving these payouts were even made. XXXX has now issued me a check for {$6700.00} ( see attached. ) while still stating that I owe them additional money. 
How is it that I owe them this money but they send me a check. 
XXXX has only now sent me a paid in full letter ( Received XXXX ) while trying to back date it as they did with the original payoff while claiming this was done before but still not reporting it to credit agencies. They stated to me that was my responsibility to report it. 
Once again this is showing XXXX inability to show accurate honest accounting practices and timely accurate reporting to all credit agencies. 

Requesting that XXXX remove all negatives and outstanding balances from my credit reports.
Consumer complaint received 2020-09-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WI)

Despite repeated requests, Citibank refuses to return the {$150000.00} I have on deposit with them in a money market account. I decided to close my account when I first learned that the account was subject to withdrawal limitations that were not disclosed to me. I requested closure on XX/XX/XXXX and was told that the balance would be returned to me via XXXX within 3-5 business days. On XX/XX/XXXX, I spoke with XXXX that the closure had been requested on XX/XX/XXXX, but that the " back office '' had not yet approved it. She indicated she would send another request to the back office. On XX/XX/XXXX, I again contacted Citibank and after about an hour, I was finally connected to XXXX, a supervisor in the client relations department. He advised that the back office had not yet approved the closure, and he did not know when that would be done. He said he would make another request. When I asked about the reason for the delay, he replied " that is a very good question '' and that the delay was " definitely unreasonable. '' He declined my request to send me an email regarding our discussion. 
Citibank has no legal justification to refuse the immediate return of my funds. In my opinion, their failure is both unlawful and unethical.
Consumer complaint received 2020-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I wired XXXX of my business account to my family, my bank to XXXX XXXX instead and I told them about it .its been XXXX and I havent gotten my refunds back. Im out of business as a result of this.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (SC)

I have tried calling the company of Sagestream LLC numerous times no call back once left voicemail on XXXX. If they are provinding my credit to any company I need too know and also freeze in which I have been calling to get a copy n too freeze from use. Its a recording to where someone will call you but no one ever answers or call back