davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-25
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Went to Santander to inquire about IRA CD rates, met with a bank rep. She gave me a favorable rates and I wanted to move my IRA to santander CD IRA. The branch manager then instructed me to go to my other institution ( XXXX XXXX ) which was XXXX XXXX XXXX, and I took the check from XXXX XXXX and brought it to santander on the same day and made the deposit into their CD IRA. I then had XXXX more CD IRAs mature XXXX XXXX XXXX XXXX and XXXX XXXX XXXX these were at citizen bank. I went back to santander and sat with the bank rep. Went over the rates with me again found a good rate and again the bank rep instructed me to go to the other bank and bring the check to deposit into the new IRA CD. I did this once on XXXX XXXX same day as the maturity and withdrawal and the XXXX in XXXX XXXX again same day of the maturity and withdrawal. I was later then contacted by the back office IRA team of santander stating there was a problem, telling me that what i did was going to create a penalty because of a new IRS rule saying that i can do only XXXX rollover per year. I explained that this is what i was instructed to do by the bank rep, and that the withdrawal and deposits were made on the same day. They claimed this was my problem and my responsability to know the rules and that i would be penalized at the end of the year by the IRS for doing too many rollovers in a one year period. They are unwilling to help fix the situation and not claiming any responsability for the advice they gave me.
Consumer complaint received 2016-01-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (WY)

I paid off my vehicle loan thru GM Financial on XXXX XXXX, XXXX. I still have not received the lien release, so I called today and got the run around. They show a letter was mailed out on XXXX XXXX, XXXX. However I never received the letter. They refuse to send out another lien release, instead they are blaming the snow ( seriously, XXXX times they blamed the snow, which came AFTER the letter was mailed. Snow has magic powers on the XXXX apparently ). I had to demand repeatedly to speak to a supervisor, and she directs me to a website GM runs that I can request the letter for a {$23.00} fee. That lien release is required in their contract with me, and yet they are first giving me the run around and then when I do n't just hang up and go away, they instead try to shake me down for more money. They spent the life of the lease shaking me down for additional fees for everything from making payments to getting copies of the title faxed to attorneys to getting to talk to a live person about my account balance not being correct. Now they will not provide me with that lien release unless I pay an additional {$23.00}. I have no other recourse as I have to have that letter in order to get my copy of the title. I want my lien released, I want my proof of that lien release, and I am not paying GM Financial another cent for them to do what they are required by law to do.
Consumer complaint received 2015-08-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

Went to XXXX XXXX XXXX in XXXX TN to purchase XXXX XXXX. When it came time to get with finance dept. the gentleman XXXX XXXX XXXX ) helping/robbing me told me I HAD to purchase extended warranty to get any financing. He added a {$1500.00} " XXXX XXXX XXXX premium to my contract. I had purchased from this dealership previously and was told the same thing. At that time I did n't think to question it. That finance guy was XXXX XXXX, who I just learned was been promoted to management of the dealership. Guess I know why. Sells exorbitant policies to people every chance he got to increase his sales and commissions.
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Palmer, Reifler & Associates, P.A. (OK)

This phone number was recently assigned to my XXXX XXXX XXXX daughter. The collection attorney from Palmer, Reifler and Associates, P.A. keeps calling her looking for a person named XXXX with a recorded message in violation of the TPPA. 

I would like them to stop harassing a XXXX XXXX XXXX little girl over a debt that she does not have anything to do with.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I pulled my credit report recently and noticed a hard inquiry for XXXX XXXX XXXX XXXX in XX/XX/2023. I do not have an XXXX XXXX XXXX XXXX account. Please launch an investigation into the inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiries are invalid, I am requesting that them be removed from my credit report as soon as possible. But if the creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Thank you for your cooperation in this matter.
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (GA)

I was shopping XXXX when the cashier asked me if I wanted a " rewards card '' I asked her if it was like a credit card and she said " No '' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for aXXXX XXXX credit card '' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be rewared for getting people to take out credit cards but no one is trying to fix this problem, and last I spoke to the collectors, they said they would send me a dispute form and I have not heard from them since.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (AZ)

Hi CFPB, I am complaining regarding Paypal INC. Paypal put permanent limitation Reference ID : XXXX on my paypal account without sending any email asking for documents or any communication. My paypal was in good standing and there wasn't any illegal or fraudulent activity in my Paypal account. 

Just after 5 days of opening my paypal account and i received around {$120.00} in my paypal, they permanent limited my paypal account under Reference ID : XXXX and hold my money in my paypal and there is not any dispute or anything from my customers. 

Attached is the screenshot from Paypal account of Permanent Limitation Reference ID : XXXX. 

I want removal of permanent limitation from my Paypal account. Thanks! 

Regards, XXXX XXXX XXXX
Consumer complaint received 2016-12-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (CA)

Planet Home Lending failed to request payment for some XXXX discrepancies in our account to XXXX, KEEP YOUR HOME CALIFORNIA. Now they are trying to get us to pay it. This caused a monthly inconsistency in our mortgage payments. Because this issue was n't corrected, it made our account look delinquent every month since XXXX XXXX. Also, XXXX paid Planet Home Lending through XXXX of XXXX and Planet Home Lending is stating they were only paid through XXXX XXXX.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NM)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I am a first time home buyer and purchased my home XX/XX/2014 I have a FHA mortgage. My mortgage was sold from XXXX XXXX to Carrington Mortgage by XXXX. Everything went smooth has this is not the first time my mortgage had been sold. Carrington sent with out warning a few months into making payments to them ( always on time ) that I was in " intent to foreclosure '' due to a late payment. I have never been late. So when I called to ask the original statement given to me was that " XXXX did not receive a payment from me prior to the sale of my mortgage '' I called XXXX and they had no record or notes of contacting Carrington of a missing payment. Also they noted that there was no missing payments on the account. They would never sell a mortgage that was not in good standing. They ( XXXX ) spoke with Carrington and sent documents to verify. Carrington begin again calling me with harassing phone calls. Customer Service agents clueless of what was going on and stated all they knew is that I was missing a payment. Carrington would not allow me to speak with the " research department or assign me direct contact with one individual to handle the case '' I received numerous harassing phone calls. The latest correspondence was from a XXXX XXXX who stated she just needed a bank statement from XXXX XXXX XXXX to prove the XX/XX/XXXX payment was made to XXXX. ( XXXX has been contacted multiple times at this point and is baffled by the poor customer service and statements that Carrington is making ) I went above just sending a bank statement I sent multiple statements for the entire month, with written explanations. I also sent documented from XXXX " proof '' of said payments. Carrington is now wanting my signature on documents. Another stall tactic. I have sent plenty of proof documented and verbally. Prior request and documentation has been sent and they never once asked for a signature on any documents I have sent. Also note on latest correspondence no visible name or readable signature of who/whom the correspondence is from. See evidence attached. Contact for additional evidence and recorded phone conversations.
Consumer complaint received 2016-02-24
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (MS)

I can not get my XXXX from BBVA Compass Bank. I changed my address in XX/XX/XXXX and they have the correct address on file. I have been given the run around, mis information and was hung up on. XXXX different Customer Service Reps have stated the XXXX would be received within 7-10 days. I still dont't have it after a month.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (WA)

I have been banking with USBank for almost 20 years. I thought they were the BEST Bank. Then I noticed bank charges for things I opted OUT of, that USBank sent out. 
When I asked why items were being paid when I had opted to NOT PAY IF the funds were NOT enough to do so. I never got a satisfying answer. Plus I was charged with OD Fees ; Multiple times. 
Then we were victims of Fraudulent activity on both our Checking & Savings Accounts. USBank closed our Checking Account right away, but left our Savings Account open for 3 months longer. It was even getting Interest added to it. I had to call in & ask about what was happening with our Savings Account before they FINALLY closed it. In the meantime, both my husband & I were treated & talked DOWN to like we were beings of the lowest order. 
Then AGAIN, just a couple of days ago, 3 items were paid even though I opted out. 
I called Customer Service to found out WHY? I was told at the time it was presented the first time, WE HAD the funds available, BUT the Merchant did n't take the payment. They let the hold expire & NOW they were coming back to get the funds ; so my optingout in THIS case did n't apply so on top of the negative balance the 3 items caused, I was going to be charged 3 overdraft fees. 
A week before the overdrafts happened, we ( my husband & I ) had decided to change banks. We got tired of the treatment you had gotten over the past few months. That 's the way they treat a customer who has been loyal off & on for almost 20 years? We 're DONE! We have paid out enough in fees.
Consumer complaint received 2016-02-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (NY)

The moment you are 15 days late on your car Payment US. Bank call the house no exaggeration 7 days a wee 2 times a day harassing you for the payment. I have the phone records to prove as the number purposely comes up unavailable because they know what they are doing is wrong calling a person as many times as they do and they need to be reported and stopped.
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Fairway Collections, LLC (WA)

Fairway Collections is suing me for a debt incurred XX/XX/XXXX. The debt was for {$160.00}. They garnished my husband 's wages and collected {$230.00}. They did n't garnish anymore and thought the debt was paid. Then, in XX/XX/XXXX they attempted to garnish again and we made a payment agreement paying another {$150.00}. ( at that time I was suffering from the effects of XXXX XXXX XXXX ) Again, we thought our obligation was finished. Now they are attempting to garnish my husband 's wages again for the same debt and this time have tacked on interest, court fees, etc. for a grand total of {$1500.00}! That is 12 times the amount of the original debt! We offered them our entire income tax return of {$400.00} and they refused! Please help us. My husband just got a new job because his company is closing. The new medical insurance is unaffordable for me and being a XXXX XXXX survivor it is very important for me to have insurance. We were in the process of purchasing insurance for me but the collection agency will take XXXX % of my husband 's paycheck.
Consumer complaint received 2015-09-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

We purchased a home that was being built. We took a loan from US Bank for the full amount of the construction but the lien was placed against our commercial dental office building instead of the new home. When the construction was completed we paid off the bulk of the loan with proceeds from the home we sold and then took a mortgage out on the balance from another bank. The loan was paid off in full on XXXX XXXX, 2015. Since that time, we have been trying to get US Bank to release the lien on our property. They keep assuring us that the release documents have been sent to our county recorders office. To date, the recorders office has not received anything from US Bank. In fact, the recorders office states that US Bank has placed XXXX liens on the property, both for the full amount of the original loan, which was {$500000.00}. US Bank says that the recorders office gave them inaccurate information which resulted in the second lien, but the recorders office denies it. Regardless of that, it now appears as if we have liens totaling {$1000000.00} against our office building which is paid for in full. Our numerous efforts to resolve this issue with US Bank have been without results. We have contacted the mortgage department, which is in a different state, and been informed that the release department will take care of this matter and be in touch with us immediately, but nothing has been done, nor have they contacted us as promised. They refuse to let us talk to anyone in the release department, or any sort of supervisor, saying that they do not accept calls. We have contacted the local bank branch, the loan officer, our commercial banker, and our personal banker and none of them will respond except to say that they are " looking into it ''. Due to the problems that have arisen from this we have moved all of our banking, both business and personal to another bank.
Consumer complaint received 2015-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MN)

I have faxed and mailed US Bank numerous letters, police reports and copies of personal identification information in regards to me being a victim of identity theft and someone stealing my identity to open up fraudulent checking and savings accounts in my name. XXXX Bank refuse to remove and clear the fraudulent accounts from under my name, date of birth, social security number and Minnesota drivers license number.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

*** PLEASE NOTE : I have sent copies of my ID, Social, and Utility Bill previously. So please do n't ask for copies again, this is a tactic you use to avoid having to investigate the items I am disputing. Because I have already sent these documents by certified mail, if you refuse to investigate or ask again I will assume this is a refusal to investigate and will sue in small claims court as I have proof this was previously sent by certified mail*** Complaint : I previously disputed an item appearing on my credit report as identity theft. Equifax has not gone through the proper steps of validating the alleged debt. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. 

The disputed accounts are : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX I have sent a previous dispute to you from your Equifax site, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items properly. My previous dispute stated my reasons for an investigation and these reasons were not frivolous in any way. 

The FCRA requires you to verify the validity of the item within 30 days. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area ( XXXX County ). 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

I have been contacting Equifax for my Annual Credit Report and they refuse to send it to me by saying that their record indicate that they have already sent my credit report for this year, but I have never received it. I had no problem with XXXX XXXX neither XXXX, they sent me my credit report without no problem. I can not see my credit report online on equifax system because no of the question belongs to me. I have been contacting Equifax since XXXX to have them to send my free credit report, but as today XXXX XXXX I still have n't received my credit report from them. They just say they will send and nothing happen.