davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (SC)

sometime around XXXX i fell behind on my car loan due to a medical issue that required XXXX well being a veteran the va is not the easiest hospital to deal with so i was out of work for 2 month on and off after 9 trips to the emergency room i finally had XXXX after finally getting released by my doctor to go back to work which was XX/XX/XXXX i had call SANTANDER CONSUMER USA to see if i could get assistance and i was approved well they told me they was sending documents in the mail and i needed to read them over and sign them and return them ASAP well a couple days went by and i started feeling sick and had to go to the emergency room again and found out i got a XXXX from my XXXX and had to be admitted and given XXXX   when i get released from the hospital a couple days later and once home i called santander back and informed them i have not received anything in the mail and they then and only then told me they sent the documents to my email and i had already told them several times " I DO NOT HAVE INTERNET ACCESS and when i got to a computer at the library and signed into my email account and open that email it was expired and this now is around XX/XX/XXXX and i made my XXXX payment and i have called them every week from XX/XX/XXXX until today asking for that assistance and they keep denying me assistance and they told me because of those payment i missed due to my XXXX there is no assistance and there has been nothing that changed but me putting my phone # on the do not call list cause they was calling me while i was at work and they got me fired and because i put my number on the do not call listen i talked to them 2 times last week on tuesday and on thursday come friday not only did they call my mother telling her my personal finiance business about my car loan but they also called my sister and and did the same thing telling her my personal business and telling them they need to get in touch with me for no reason at all well both my mother and my sister work for the XXXX  XXXX and they are not aloud to use there cell phone and after santander called them they both got wrote up for " unlawfull use of a cell phone '' i never gave them or the dealer neither my mother phone or my sisters #! and every time i have called they give me a different reason why they dont have assistance! i honestly 100 % feel like i am being discriminated against and the way i am disrespected on the phone by them i also feel like i am being harassed and the reason i cant get any assistance is purely out of retaliation! they have nothing in black and white or any guid lines on getting assistance and i was told all they do is sit in a room and review my issue and then say yes or no so its based purely on opinion and after being talked down to i told them i was going to file a complaint and the lady on the phone got smart with me and hung up!
Consumer complaint received 2022-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

I FOUND THAT I AM VICTIM OF FRAUD ON XX/XX/XXXX WHEN I ARRIVED TO INSPECT MATERIALS FOR XXXX AT XXXX XXXX XXXX XXXX XXXX CA XXXX ON XX/XX/XXXX ABOUT XXXX TO XXXX XXXX XXXX WE CALLED THE WELLSFARGO BANK AND INFORMED THEM BY PHONE AND THEN REPORT ONLINE FOR RECOVERY OF OUR AMOUNT FROM ACCOUNT # XXXX ( THIS ACCOUNT IS XXXX XXXX ) WHICH WE HAVE THE CONFIRMATION BUT STILL WE DONOT HAVE ANY UPDATE. 
PROMPT ON XX/XX/XXXX WE ALSO INFORM TO OUR BANK XXXX XXXX XXXX BUT THEY REPLIED THEY ARE UNABLE TO HELP US. OUR ACCOUNT # XXXX IN XXXX
Consumer complaint received 2020-01-22
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: Navient Solutions, LLC. (GA)

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have never stepped foot or sat in a class at XXXX University or XXXX college . 
the school was closed for fraud. the school opened these loans in my name under false, an misrepresentation I have tried to contact sallie mae who knows why the school closed they have no records. I've contacted the XXXX Attorney Generals office/Criminal division/ Citizen Services. I filled a claim last year. I was told it is under an investigation. I have checked but no response yet thank you, XXXX XXXX XXXX
Consumer complaint received 2020-01-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (GA)

My loan was transferred to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is the servicer of the loan. I sent my XXXX XXXX payment to Caliber Home Loans, the previous lender, because I wasn't aware the loan had been transferred. The new lender claimed non receipt of these funds from previous lender. As a result, I supplied the new lender with proof of payment, as well proof and date the check was cashed by former lender, in the hopes that my payment would be applied correctly. Nevertheless, the new lender insisted upon payment of the already paid funds and, by the time I sent a duplicative payment to the new lender, proceedings to pre-foreclose had been initiated by the new lender, my duplicate payment was sent back to me, and I was being requested to pay 3 months mortgage to avoid foreclosure. I did make the payments and my account became current by the end of XX/XX/XXXX. I did not get my duplicate payment returned to me by the former lender nor has it been applied to current loan. I nevertheless submitted my mtg. payment for XXXX XXXX via, certified funds and overnight express mail on XXXX, XXXX. USPS confirmed delivery was made on XXXX XXXX, XXXX to XXXX XXXX but my account has not been credited for this payment. Additionally, a late charge for XXXX XXXX mtg. was assessed by XXXX XXXX who claimed they didn't receive the XXXX mtg. payment. Thank you for your assistance with this matter.
Consumer complaint received 2020-01-22
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: Santander Consumer USA Holdings Inc. (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after four separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. They continue to tell me " they have verified the debt as belonging to me '' but refuse to send the methods they utilized to arrive at this conclusion. Yet, reporting this information on my credit file causing me stress and financial harm.
Consumer complaint received 2020-01-22
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. (CA)

fraudulent loans were opened up in my name XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX accountnumber XXXX XX/XX/XXXX XXXX  account number XXXX XX/XX/XXXX I have included./ attached following documents -FTC identity theft report - driver license -social security card -A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

This company has called me multiple times a day, at all hours, including early in the morning and late at night, for several days in a row. All these phone calls occurred without written notification of debt or debt collection. When I answered one of the calls I was harassed and bullied by the person on the phone.
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have an XXXX account with no limit but Experian reports that I have {$1600.00} limit or {$0.00} limit instead of just being N/A and whenever I use the card the balance owed make my usage above 500 % which lower my score. 
I'm supposed to have no limit on that card. Spoke already with both XXXX and Experian and each ignore and sends me back to the other company. I will file a lawsuit against both if not fixed as it damages my score and I can't get my mortgage for it XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XXXX XXXX Usage XXXX XXXX Balance {$6900.00} Balance Updated XXXX XXXX, XXXX
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (IA)

This credit card was sent to me without me applying for it while I was unemployed. Now I am unemployed again and not receiving unemployment so I dont believe I should have to pay for it since it was illegally taken out.
Consumer complaint received 2020-01-21
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: WELLS FARGO & COMPANY (FL)

On XX/XX/2020, my credit card company notified me ( via text notification ) that my credit score had dropped. When I logged in I saw that XXXX showed a hard credit inquiry from the same day for " WF Equipfinance msg ''. After trying to find out who that was and determine that it is Wells Fargo equipment financing in XXXX, I contacted them. After hours of being bounced around I finally spoke to someone who, quite frankly, acted like I was a pain in her side, as opposed to the other way around. I gave her my name, my social, my business EIN, address, etc. and NOTHING shows up from their end. She said there is no account, application, etc. I spoke with XXXX and they won't do anything because they say that WF Equipfinance msg shows a legal right to pull the report. Both point fingers at each other but there is no account, no application ; I have never applied for equipment financing through this company. I need this hard inquiry removed from my credit report.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/2020, I attempted to reach out to Equifax to establish a credit freeze. I was transferred from department to department, all offshore, and kept on hold for almost 90 minutes as they claimed to try to find my file. They asked me the same " security questions '' and for my social security number over and over again. They kept telling me that they couldn't find me in their system, although I have credit and receive credit reports from them. I was also impacted by the Equifax breach, which they notified me of when it occurred. They finally placed a lock on my credit. After all of that, they asked if I wanted a credit freeze -- I told them that's what I'd been talking to them about for almost an hour. 
Then they told me that I can't have a lock and a freeze, so they started the process all over again. I was horrified by the incompetence I faced with this agency. Putting a freeze on my credit with the other two bureaus took about a minute each and was a smooth process. This was a horror -- some of the worst customer service I've ever experienced and created no confidence in their ability to protect my credit.
Consumer complaint received 2020-01-22
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)

XXXX 's recent explanation to a closed complaint is extremely untruthful. I can show screenshots of the status of the Credit Report to substantiate my claims. XXXX should be extremely careful when attempting to be overly confident with what it assumes is the truth. Basically, the information that they claim where they found nothing wrong with the Credit Reporting of at least 1 of the loans is without a doubt incredibly inaccurate. 

TransUnion is still investigating this also, which tells me that XXXX was prematurely assuming it had done nothing wrong without properly investigating. CFPB, XXXX is basically putting little effort into resolving the complaints that come through to your portal, and this is obviously due to XXXX  deflecting the point of the Credit Report Status of ANY LOAN by trying to point out that none of the other loans were reported past 30 days. XXXX did not accurately report when the account was past due. Currently the account is NOT PAST DUE, and so it should reflect that on all Credit Reports. The person or persons who wrote that statement is lying about what the Credit Report indicates.
Consumer complaint received 2020-01-21
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: BARCLAYS BANK DELAWARE (MD)

Credit card company Barclay Card US : I charged a coat with XXXX on XX/XX/XXXX ( order # XXXX ). My daughter mailed the coat back as defective in XXXX XXXX. They mistakenly mis-calculated that it was " over a year old '' transaction and said she would get a merchandise credit. However, on XX/XX/XXXX, XXXX gave a credit back of {$240.00} on my OLD credit card ( which had been closed because the number was stolen ). The vendor and credit card company both have confirmed that there was a credit invoice sent and received by my credit card company ; credit invoice # XXXX. It was supposed to be " automatically '' charged back to my new account number by the credit card company. I have had to be on the phone with my credit card company twice now ( not to mention numerous emails and phone calls with XXXX as well ) to get my money properly credited back to me. Each time the credit card company started with a person being completely incompetent and not knowing at all what to do and then finally getting a person supposedly skilled and able to do this and yet each time, despite promises of the money being credited " within 24-36 hours '', NO MONEY. I am furious and they have now had my money for almost 3 months and I do not have it!!!! I am so tired of this incompetence and practically theft. I want my money back and I don't want to have to call and beg them for it and they should pay me interest on this money that they have kept from me. My last call was on XX/XX/XXXX at XXXX XXXX. I spoke with employee ID XXXX " XXXX ''.
Consumer complaint received 2020-01-21
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. (MN)

Transunion has my XXXX XXXX loan listed two times on my credit report. They have it listed as a paid charge off. They also have it listed as a collections. It is not in collections. It was sold to a different Company who agreed to delete their tradeline after it was paid.. It was paid and deleted however, now the XXXX XXXX is listed in collections.
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Yamaha Motor Finance Corporation USA (NJ)

Dear Yamaha Financial ...

I am writing once again, very disturbed by the inability to speak with an operator at Yamaha Financial. Overall in the past few days, I have called your company over XXXX times, waiting on hold for periods of XXXX minutes, XXXX, minutes, XXXX XXXX minutes, and on and on. 

After first receiving a letter, dated XX/XX/2020, stating that my loan was being taken over by Yamaha Financial as of XX/XX/2020, I was under the understanding that my payment to XXXX XXXX, which was due by XX/XX/2020, had to be paid and then going forward beginning for the XX/XX/2020 payment, pay to Yamaha Financial. 

Now, after 4 days after receiving the first letter, I am being informed that my payment is Past Due and this has really got me upset. 

Please see the attached documents supporting all of my statements and advise of my go-forward plan. 

Respectfully, XXXX XXXX XXXX ( c ) XXXX XXXX
Consumer complaint received 2020-01-21
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. (VT)

Opened credit account with XXXX in XX/XX/2019. Registered on their website and set up autopay. Charged gas purchases in XXXX to XXXX. In XX/XX/2019 received notice from Experian that credit score had been reduced due to delinquent XXXX account. Attempted to log on to XXXX website and could not without re-registering, which seemed peculiar. Found all the information I had entered to start autopay was there ( see attachment ). I contacted XXXX about two things : 1 ) why hadn't autopay retired any account balance and 2 ) if autopay, in spite of my efforts, was not set up why didn't XXXX notify me of a balance due before notifying Experian? I sent several messages via XXXX 's website about the above and was informed that autopay never got set up. I called XXXX customer service and asked why XXXX hadn't notified me before Experian. The person I spoke with said it is not their policy to notify if a balance is due - at least that is my interpretation of what I was told. Something about " concerns about privacy. '' I think it is reasonable for XXXX to let Experian know that I was not informed about the balance due. Needless to say I have recently re-set up XXXX autopay to forestall the above repeating. My account currently is paid up.
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MT)

This company has called me multiple times a day, at all hours, including early in the morning and late at night, for several days in a row. All these phone calls occurred without written notification of debt or debt collection. When I answered one of the calls I was harassed and bullied by the person on the phone.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

fraudulent loans were opened up in my name XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX accountnumber XXXX XX/XX/XXXX XXXX   account number XXXX XX/XX/XXXX I have included./ attached following documents -FTC identity theft report - driver license -social security card -A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2020-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (CA)

My car was repossed XX/XX/19. That was the day I had told American credit acceptance I would make payment to get thee car current. That was also my payday. They said they would send me a letter explaining all my rights. The care was moved to an auction house. I called multiple times to get information on how to get car out. They told me call auction house, I called auction house they said call the car company cause they need to give me permission to talk to auction house. American credit would not complete the call to the auction house. I called several times they would never get through to the auction house. I also never got my letter explaining my rights. I never got the chance to know how much money I needed to get the car back.
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (CA)

I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN CREDIT CARDS UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THESE ACCOUNTS, AND THEREFORE, I REQUEST THAT CREDITORS ABSOLVE ME OF ALL CHARGES ON THESE ACCOUNTS, AND THAT THEY TAKE ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THESE FRAUDULENT ACCOUNTS FROM MY EXPERIAN CREDIT REPORT.