davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Buffalo Auto Acceptance Corp. (NY)

i was financing a vehicle, make on time payments. Then in XX/XX/2014 i had a XXXX unable to work. contacted dealer to turn in vehicle and forfeit all moneys paid on vehicle. They in turn go through repossession, and resale of vehicle, before 90 days stated by repossession company, to re obtain vehicle if able to return to work. 
I then get letter stating the amount owed after sale. few weeks later collection letters arrive for more that first letter, almost double the amount. Then i get letters from a 3rd party collection agency for almost triple the amount owed. followed by letter delivered by a sheriff to my XXXX year old son for yet a different amount, almost triple. 
the dealer and loan company are both well aware of me having a XXXX and out of work since XX/XX/2014. and continue to harass with letters, threats and abuse since monthly. 
also on my credit report the loan was closed on XX/XX/2014, around the same time of resold. the vehicle was taken around mid XXXX. by the way completely different than the amount on letter, and sherifff documents sent to me. 
in my opinion, this is uncalled for, and abusive on dealer and loan company, can you check into this and contact me back at XXXX. 
it was stressful enough with the XXXX, then have to deal with this harassment.
Consumer complaint received 2018-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I contacted IC Systems on XX/XX/2018 in regards to a debt they are reporting on my credit report from XXXX XXXX XXXX. I was connected with XXXX XXXX XXXX ( ID # XXXX ). I explained to XXXX XXXX that I had previously contacted the XXXX  regarding this debt as it did not belong to me ( it belonged to my ex-son-in-law ). As a result of my XXXX complaint, XXXX agreed to remove the account from my name and delete the credit notation. XXXX XXXX indicated that he would mark the account as " disputed. '' I then asked what the process would be from there, and XXXX XXXX replied that IC Systems would take no action until they heard from XXXX. I informed him that it was IC Systems that was reporting information to the credit bureau, not XXXX, and that they are responsible for the information they report. As such, I urged that they contact XXXX to verify the validity of the debt they were reporting. His response was that it was not their responsibility to contact XXXX, but rather that it was my responsibility because it was my debt. I told him if they did not research the debt I would contact the XXXX. At that point, he provided his name and ID # and the call ended, with IC Systems continuing to refuse to research the debt they are reporting. I did follow up with a XXXX   complaint which is currently pending.
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC (CT)

On XX/XX/18 I called Reliance First Capital to learn more about financing options for a condo that I own. They took down my information and ran a hard inquiry on my credit without my approval. My call was strictly to learn about potential options for financing the condo as I was shopping around.
Consumer complaint received 2018-06-23
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. (TX)

In my previous Complaint # XXXX On XX/XX/XXXX I submitted a disputed with Experian explaining to them that according to my personal bank statements that I clearly show I was NEVER late with XXXX XXXX XXXX on the following dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have also reached to XXXX XXXX and did not recieve any response. 

Also XX/XX/25 I submitted a disputed with Experian explaining to them that they are ruining my credit worthiness by reporting untrue loans, from XXXX XXXX Loans as 3 different loans on 3 different places on my report. THIS NOT TRUE and is unfair. The accounts have 3 different open dates and some have OPEN DATE 1 ) .XX/XX/XXXX 2. ) XX/XX/XXXX 3 ) .XX/XX/XXXX with all 3 having the same account number. Also all 3 are reporting CLOSED and CHARGED OFF with a BALANCE of XXXX or XXXX and a MONTHLY PAYMENT AMOUNT! tThey have been allowing them to fluexate the amount to increase a XXXX then decrease. Its insane!!! This shouldve been deleted long AGO! How is this ok? Payment status show current and account status shows closed!!!! I have contacted with no proof and it resulted in the other bureaus deletions.I have begged for methods of verification its been OVER 30 days since I begin to pursue this issue! it has really caused major issues. 

ON XX/XX/XXXX I indicated I DID NOT apply for credit, GIVE ANY WRITTEN OR VERBAL CONCSENT or BAT MY EYE, SEND SMOKE SIGNALS OR ANYTHING ELSE to any of these companies yet they remain on my report.I HAVE NOT APPLIED TO ANYTHING NEW! WHY WOULD I WHEN I HAVE OLD ISSUES STILL PRESENT. I have filed Police reports and placed fraud Alerts to have them removed YET they are still on my report ALONG with new inquires! This is very troubling as I am trying desperately to get my life on track. Please assist me in getting these things addressed properly.
Consumer complaint received 2023-07-26
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. (MA)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2018-08-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (AZ)

Santanders auto loan division has placed my husband and me in a more financially crippling situation than we were in before contacting them for assistance. In early XXXX, I contacted Santander to set up a payment arrangement for the payments that were missed due to loss of income. The first representative I spoke with informed me that I was able to defer the missed payments altogether, and they would be added to the end of the loan. She then stated that the next payment would not be due until XX/XX/XXXX. This would give my husband and me time to catch up on our monthly auto payments and bring our account to a positive standing. 

Since the account with Santander is under my husbands name, I had to call back with him on the line to accept the payment plan. Consequently, I called back a few days later with my husband on the phone so that he could approve this arrangement. Upon calling Santander again, we spoke with different representative, however, she outlined the SAME terms that the previous representative explained to me. For this arrangement to take effect, we needed to make an initial payment of {$850.00}, which was processed via debit card on XX/XX/2018. 

Today, our vehicle loan with Santander is in the same negative status as it was when I placed the initial phone call due to the negligence of not one, but TWO representatives who failed to provide accurate information when setting up this  payment plan. Unbeknownst to me, our next payment should have been in XXXX and not XXXX according to an account representative I recently spoke with who informed us of our delinquent account status. 

Santander has repeatedly apologized and admitted that the representatives of their company provided inaccurate information, yet they refuse to remedy the issue. We are unable to make an additional payment on this account, especially since we were under the impression that regular payments would resume in XXXX. Santander has a fiduciary responsibility to their customers that includes providing them the most accurate information regarding their account ( s ). Their mistake have cost us yet another negative credit mark, and an additional balance that we are unable to resolve at this time. We are requesting Santander to delete the negative credit reporting associated with this payment arrangement, as well as defer XXXX payment to the end of the loan as originally discussed. Furthermore, when I access our account online, it shows a past due amount of {$4200.00}. Santander needs to adjust this information to provide the most accurate information about our account.
Consumer complaint received 2018-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

1 ) In XX/XX/2016 I was contacted by a law firm called XXXX XXXX  XXXX regarding a XXXX debt at XXXX  XXXX. I paid the debt in 3 payments and the debt was cleared from my record 2 ) I had two debts I collection from XXXX  XXXX, one was at XXXX XXXX  XXXX for XXXX and another was at portfolio recovery group for XXXX. I paid XXXX XXXX  XXXX the full amount and settled with portfolio recovery for XXXX with portfolio recovery on XX/XX/2016 On XX/XX/XXXX I noticed my credit reflected a debt from XXXX  XXXX at portfolio recovery group. I contact portfolio recovery group and they said I have 3 XXXX  XXXX debts with them one for XXXX one for XXXX and a third they would pull up for me. I explained the situation and they refused to listen.. 

I contacted XXXX XXXX  and spoke to a manager name XXXX who saw the debt paid off at XXXX XXXX   XXXX but refused to contact portfolio recovery group on my behalf and regarding the other 2 she said since they are sold to portfolio recovery she has no information. I faced proof of payment to XXXX XXXX  and to portfolio recovery and asked portfolio recovery to pull all the recorded calls from my phone number and confirm that we had settled for one debt and the secon debt was already settled at XXXX XXXX  XXXX and they refused
Consumer complaint received 2018-06-21
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: JPMORGAN CHASE & CO. (IL)

I was alerted to fraudulent charges made to my Chase credit card account in XX/XX/XXXX. Later that month, I discovered additional charges made to XXXX that I had not made and identified were connected to the additional fraud attempts on my card. I notified Chase and they removed the charges. 

In XX/XX/XXXX, I noted that the charges had been rebilled to my account. I reached out to Chase who asked that I contact XXXX/provide screenshots of my purchase history. I forwarded an email from XXXX confirming that I had not made a purchase from their site since XX/XX/XXXX. 

There were five charges made : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX I was contacted by Chase on XX/XX/XXXX who indicated that this was not sufficient evidence that I had not made these charges and my dispute was denied.
Consumer complaint received 2020-06-01
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: CITIBANK, N.A. (NY)

Hi, I opened a dispute with Citibank credit card, the dispute number XXXX for the amount of {$1000.00}. The credit is no longer investigating this dispute as they said that their are satisfied with the results on their end. 

Here is a timeline : On XX/XX/XXXX, I started inquiring about 3 rooms for my trip. I had advised the hotel that I will enter the country through a cruise ship that will dock on XX/XX/XXXX at XXXX XXXX. I will check out on XX/XX/XXXX to catch my flight home. 

On XX/XX/XXXX, I proceed to book the 3 rooms with them. My confirmation numbers are XXXX and XXXX. The third room was booked by our friend under her card separately. Everything was officially confirmed on XX/XX/XXXX. 

On XX/XX/XXXX, 9 days later I started to contact the hotel requesting to cancel the rooms due to the breakout of the COVID - 19. My family members and children traveling with me were not comfortable in going to XXXX because of the virus. The hotel refused to cancel and refund the money. They had advised that XXXX was still open and will continue to be fully operating in XXXX. I have reached out to the hotel from XX/XX/XXXX through XX/XX/XXXX asking them to cancel, which they refused to. They did offer to reschedule for a later date, however, as the virus became a global pandemic and is not safe to travel at this time. 

I have also contacted the cruise line on XX/XX/XXXX to cancel the cruise and airline tickets. As you can see it was a large group of us traveling. They were very understanding and agreed to cancel the trip. I have also attached the cancellations from the cruise line so that you can see the trip was cancel in full. 

Again I have reached out on XX/XX/XXXX asking them to cancel and refund and again they refused to. I have explained to them again that New York is still on lockdown and I am not sure when we will be reopening. I have explained that the cruise and airline tickets have all been canceled and I can not travel at all. I have told them a few members that were traveling with me have been tested positive for the virus and are slowly recuperating. 

I have had this trip planned since XXXX, believe me, if I could I would love to go but with the situation with the world right now it is not safe and I refuse to put my family and children 's health at risk. 

Please review and advise if you need any further documents or information. 

Please help to reverse this charge. 

Best regards, XXXX XXXX Attachments Displaying CITIBANK.pdf.
Consumer complaint received 2018-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I bought XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, and the software does not perform as outlined. I am a XXXX XXXX XXXX Veteran. I did not take the 14 day free trial period. I bought the software thinking it would help me as a trader in commodities. I haven't had the software for 14 days. I bought it on XX/XX/2018 and the 14 day period, would end on XXXX XXXX, 20018. I thought there was a money back guarantee during that 14 day period. XXXX didn't explain to me that : all sales are final which I believe is a scam. 

This software does not generate XXXX XXXX XXXX for XXXX. When I bought the software on-line, I was not told : all sales are final. This is a scam to get my money which was {$1500.00}. I used PayPal. Here is the information from PayPal : XXXX2018 XXXX XXXX XXXXXXXX Loading transaction details forXXXX XXXX XXXX - negative {$1500.00} XXXX XXXX this XXXX XXXX with XXXX XXXX XXXX XXXX  Ship to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX United States Category Software Transaction ID XXXX Return shipping refunds Request return shipping refund For more info See Terms Seller info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} Total {$1500.00}
Consumer complaint received 2018-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX XXXXXXXX is using deceptive algorithms to increase revenues on overdraft fees. 

I have studied their accounting algorithms for months and taken notes and have copies of receipts, statements, etc. as evidence. 

In general overdraft is straight forward, if you use more than your account balance they tack on a fee for covering the transaction. 

They have a bad policy of posting items by amount for largest to smallest ( this is not my complaint but should not be legal, this only guarantees that they get the maximum amount of fees they can collect and if this is something that we can discuss to fix this practice for all consumers it would be great. ) However, my complaint is on a more deceptive practice where they will manipulate the POST date which appears to be controlled by software triggers based on transaction to cause overdraft to happen then they use the practice above to get the most amount of fees they can. 

Here is an example which happened recently that I have documented well. 

At the end of day XX/XX/XXXX my available balance was {$430.00} In this order I made transactions against my available balance XX/XX/XXXX - Starting Balance - XXXX   XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - ATM Deposit ( XXXX ) - XXXX - XXXX XX/XX/XXXX - ATM Withdrawal - XXXX - XXXX   XX/XX/XXXX - XXXX XXXX - XXXX - XXXX XX/XX/XXXX - XXXX  - XXXX - XXXX   XX/XX/XXXX - XXXX XXXX XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX All of which have a posting date of XX/XX/XXXX ( which is what they choose to do ) I have receipts with time stamps for all the above transactions including a receipt from your ATM on XX/XX/XXXX at XXXX At the end of day on XX/XX/XXXX my available balance was {$250.00} Monday morning my account was negative 46.04 because of the {$290.00} XXXX charge. This charge has a posting date of XX/XX/XXXX and is where their triggers happen. Normally all transactions post the day after their transaction date, however TD bank when their system senses it can create an overdraft situation manipulates dates and posts the same as the transaction date.
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NC)

XXXX XXXX XXXXXXXX XXXX XXXX SENT A NOTICE ON XX/XX/XXXX STATING THAT WAS REPRESENTING DISCOVER BANK TO COLLECT A CLAIM AGAINST ME FOR $ XXXX.I SENT XXXXXXXX XXXX XXXXXXXX . A LETTER US MAIL ON XX/XX/XXXX DISPUTING SAID DEBT, OR ANY PORTION THERE OF.NO RESPONSE FROM XXXX..ON XX/XX/XXXX I SENT ANOTHER LETTER TO TO XXXX DISPUTING SAID DEBT. ON XX/XX/XXXX XXXX FILED A CIVIL SUMMONS AGAINST ME {$1800.00}. I FILED A REQUEST ON XX/XX/XXXX FOR DOCUMENTS IN CONNECTION WITH THIS MATTER.ON XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX.DENIED ALL REQUEST FOR DOCUMENTS. STATING REQUEST SEEK TO DISCOVER INFORMATION, DOCUMENTATION OR TANGIBLE EVIDENCE PROTECTED FROM DISCLOSURE BY ATTORNEY-CLIENT PRIVILEGE .XXXX  STATES THAT MY REQUEST FOR DOCUMENTS AS IMMATERIAL, IRRELEVANT, AND TO BURDENSOME.WITHOUT INFORMATION OR KNOWLEDGE SUFFICIENT TO FORM AN OPINION AT TO TRUTH OR ACCURACY OF CLAIM. ON XX/XX/XXXX XXXX FILED A MOTION FOR JUDGMENT .WITH OUT A HEARING.ON XX/XX/XXXX XXXX GOT A  JUDGMENT. WITH OUT A HEARING BY DEFAULT .STATING I DIDNT RESPONSEIN A TIMELY MINNER .
Consumer complaint received 2018-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

According to the NSLDS data provided by the Department of Education, I took out my first student loan in XX/XX/XXXX for {$350.00}. I took out my second student loan in XX/XX/XXXX for {$550.00}. And then in XX/XX/XXXX, I took out an {$11000.00} consolidation loan. There is no identifying information about that loan. There is no school listed. And I was not attending school in XX/XX/XXXX ( to my recollection ). Most of the other loans listed have a school code and identifying information. This one does not. And the two prior loans for a total of {$900.00} do not add up to an {$11000.00} consolidation loan. In the last complaint, you sent me original loan documents from XX/XX/XXXX. Please provide the original loan documentation for this consolidation loan from XX/XX/XXXX.
Consumer complaint received 2018-06-21
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NM)

The company is called XXXX XXXX XXXX and the associated phone number is XXXX XXXX XXXX XXXX. 

The person name is XXXX and she has called many third party contacts in regards to my account. The following below is who she have contacted : XXXX my neighbor on XX/XX/XXXX XXXX my mother on XX/XX/XXXX My employees at our help desk on XX/XX/XXXX The phone calls are excessive to the rate of each hour.
Consumer complaint received 2018-06-21
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. (CA)

XXXX/XXXX, ACCOUNT NO.XXXX IS REPORTING ON MY EQUIFAX CREDIT FILE.I HAVE NEVER ORDERED XXXX , NEVER RECEIVED THE CARD, NEVER USED THE CARD, AND NEVER RECEIVED ANY MERCHANDISE.THE OPENING OF THIS CARD IN MY NAME IS ENTIRELY FRAUDULENT.IT IS IMPOSSIBLE TO DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.PLEASE FINE THE BUREAU IF THEY DO NOT REMOVE THIS ACCOUNT.
Consumer complaint received 2020-06-02
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: Experian Information Solutions Inc. (AZ)

I received a letter from a financial institution on XX/XX/2020, stating I was denied for an auto loan based on a credit inquiry to Experian on XX/XX/2020 due to the following reasons : 1. Credit bureau frozen 2. Lack of trades reported recently I have not placed a freeze on my credit report with any credit bureau and would like to know who froze my credit report without my authorization. If Experian froze my credit report, why was I not notified? If this is from someone else being associated with my report after I have already requested to have inaccuracies corrected, why are these inaccuracies still present? 
I have attempted to obtain my credit report from XXXX and directly from Experian. Each time I am told my Experian credit report can not be accessed, yet I was able to pull my credit report from the other two major credit bureaus without incident. I have attempted numerous times to contact Experian during stated business hours on their website at the following numbers listed on the website. ( XXXX, XXXX, XXXX ). I am trying to reach an actual person to discuss this matter and have been disconnected each time after following all automated prompts. 

If I can not obtain a report or get into contact with Experian, how am I supposed to fix this issue?
Consumer complaint received 2020-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have been a cardholder for about 10 years now with Capital One and I'm on an automatic monthly payment withdrawal and have never been late on my payments. I have two credit cards with them in good standing. I recently received a copy of my credit report and noticed that CapitalOne reported from XXXX, XXXX, XXXX, and XXXX of four late payments with XXXX, three with XXXX  and three lates with XXXX. I tried to reach out to Capitolone to get clarification and no response. I am filing a complaint with you CFPB because i ran out of options and this reporting is putting a financial burden on me.