davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MD)

onXX/XX/XXXX I made a online payment in the amount of= {$740.00} to Santander consumer, usa through there online website through there XXXX XXXX payment online option, received a confirmation # XXXX, that the payment was received through my visa debit card, this amount was the remaining balance of my car loan paid-in-full, my online acct with Santander consumer. usa stated that my loan was paid and closed onXX/XX/XXXX, approx., 2-3 days after I received an e-mail from Santander consumer, usa stated that iowed them {$730.00} I called Santander consumer onXX/XX/XXXX concerning the payment, the claim they did not receive the payment, I stated to them I had proof it was sent to them through their XXXX XXXX online payment option. which I have been using to pay my car payment ever since I had the loan in XX/XX/XXXX and the never claim they had any problem receiving my payment up until now when I sent them the last payment of the loan, they requested a copy of my bank statement showing proof that the money was taking out of my checking acct I fax the copy to them onXX/XX/XXXX, the banking statement indicated that the money was taken out of my checking acct onXX/XX/XXXX -atm w/d # XXXX XXXX -Santander consumer, usa, I call them that same day I sent a copy of my proof of bank statement to see if they had receive it, they stated that they did receive the bank statement, for me to call back in 3 business days, I called them back on XX/XX/XXXX, they stated that they was still looking into the matter, all I have been getting from these people/company is the run around, I have all my proof that the money was sent to them and they did receive it, but they are doing something illegal, to try and keep my money payment, they even sent me a refund check and a Release of Lien paper, along with a Maryland notice of security Interest filing , whatever that is it looks like a title Document, but it states on the document that it is not a title, these company have scam so many customers out of money, that I can't understand why they are still in Business, i'm out of $ XXXX they just stole from me, but they are not going to get away with this. this company needs to be investigated thoroughly, how can they just take customer money and keep getting away with it, they have to be stopped and held accounted for.
Consumer complaint received 2019-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (FL)

On XX/XX/XXXX I purchased/financed a XXXX XXXX XXXX XXXX XXXX through XXXX XXXXl for {$21000.00}. On XX/XX/XXXX I place the XXXX for sale on the internet. On XX/XX/XXXX I was contacted via phone/text by a person claiming to be XXXX XXXX from XXXX XXXX LA. After agreeing on a sales price of XXXX XXXX XXXX advised me that all he needed was the VIN # of the vehicle and his bank can wire the payoff to XXXX XXXX. A few moments later I checked my XXXX XXXX account and it reflected a {$0.00} balance and that the loan was satisfied. That night XXXX XXXX set up a transporter to pick up the XXXX. I called the next morning on XX/XX/XXXX and spoke with a XXXX XXXX  representative and she confirmed the payment and advised me that the Title would be available in 20 days and confirmed my automatic payments where discontinued. On XX/XX/XXXX I was contacted by XXXX XXXX and was advised that it was a scammer and a false payment and that the full amount of {$17000.00} was still due and I would be responsible for paying it. XXXX XXXX has a legal responsibility to protect there consumers from fraud and recognizing false routing numbers and account numbers. I have filed a report with my local law enforcement and I am seeking for the loan to be forgiven and satisfied.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called BOA because BOA locked my XXXX card ( CC ) accounts numerous times after trying to access them to make a payment and review my account statements. 

Finally, I spoke with a lady, and she failed to add my XXXX checking account to all my BOA cc auto payments. She failed to add XXXX of the XXXX BOA XXXX to my XXXX account. She had access to all my BOA cc and made the error of leaving BOA cc ending in XXXX without my XXXX auto-payment account. 

BOA reported to all Credit Bureau that my account was late in XXXX of 2024, however, I wasn't aware of the situation, nor did BOA contact me until the late fee was assessed. 

I became aware of this situation ( late payment and credit decrease ) after XXXX XXXX sent me a notification that my credit was impacted, and my credit limit was decreased. 
Around XX/XX/year>, I called BOA, and an employee called XXXX made an adjustment on my cc for the late fee and said BOA would update all credit bureaus. 
XXXX weeks later, I talked to XXXX and she said the same thing and provided case # XXXX for my records. 

On XX/XX/year>, I received a letter stating : that All of the account details we reported are accurate. We reported this account as delinquent for 30 days on XX/XX/year>. This means we wont be adjusting our reporting as you requested and consider your dispute resolved. 

On XXXX, I started getting the round around an employee, XXXX, and told me to call the next day On XXXX, I talked to Supervisor, XXXX and she explained that I was given the wrong info and shared that an apology letter was going to be sent to me ( which I haven't received as of today ). I felt that my conversation with XXXX was hostile and came across as retaliatory. It came to a point that I shared that most likely I was going to take legal action. 

On XXXX I paid BOA XXXX {$1200.00} to improve my debt- ratio, increase my XXXX XXXX, and prevent other banks from limiting my credit limit like BOA On XXXX with no warnings or motive BOA retaliates and XXXX my credit limit again. Other cc companies follow suit. They promised to send me a letter, but they failed to send it as it's their failure to properly communicate. 

It's very disappointing that my score is trash because of the retaliatory actions and wrongful intent actions from BOA. Their actions of not recognizing they failed my access to my accounts and statements. Their actions prevented me from adding my account info and reviewing statements. Their actions prevented me from accessing my cc account. Furthermore, they decreased my credit limit 1 day after I paid over {$1200.00} for no reason since I haven't used the credit card or missed payments with them or any of my other accounts. My credit was 100 % on time until BOA failed to do the right thing and damaged my credit.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BBVA FINANCIAL CORPORATION (TX)

Gentlemen : We were solicited to open a money market account with Compass Bank in XX/XX/2017. 
We submitted the applications for myself and my wife. My wife 's account was opened. I received an email that I would receive a call from them as they needed further information. I called the bank and was told that I need to wait for them to call me. 
No call was received and mysteriously I received an email that was account was approved and opened. I sent an email immediately asked them to close the account consider the application withdrawn as I was waiting for them to call me before they opened the account as I was told by them. I also informed them that they need to send the funds back to the external account if they had withdrawn them. They did not honor our request causing the account to be overdrawn incurring us a back charge at the external bank. We went back and forth for several weeks. Finally I was told that I would receive a letter in the mail. Still awaiting a response from them. 

Below are several emails between the bank and us as to what has transpired. 

XXXX XXXX is the local Branch Manager who came to our office soliciting more funds to be deposited with the bank. I explained as to what was happening with us. I offered to send transcripts of the emails. He accepted and later responded that he could not intervene or help us in resolving the matter. 

We have not received any response in the mail to date as promised.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have an extensive history of credit that was in Equifax. Recently tried to pull my credit report and they dont have a credit report on file for me. I asked how was this possible no one knew an answer.
Consumer complaint received 2018-04-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (TX)

I got a loan from speedy cash for a {$150.00} dollars, but wasn't able to pay it back. So they took money from XXXX XXXX XXXX card without my approval. So I call speedy cash and told them I didn't give permission to take my money. I only get {$770.00} per month. And I wasn't able to pay my rent. I call XXXX XXXX about 20 time and never talk to no one.
Consumer complaint received 2018-04-03
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)

This complaint is being written due to an inaccurate account that was placed on my credit file by XXXX XXXX XXXX account number XXXX  in the amount of {$290.00}. I have disputed this erroneous account on several occasions without due process or relief. I have asked for verification and validation in reference to this account. XXXX XXXX XXXX has NOT provided me with proper documentation substantiating that I have any financial responsibility for this debt.

The Fair Credit Reporting Act states that as the consumer I have the right to request VERIFICATION and or VALIDATION of debt in question. Previously XXXX XXXX XXXX, TransUnion, XXXX, and XXXX   have verified this debt as my debt.

I have asked multiple times for verification and validation. How have all bureaus and XXXX XXXX   verified this debt? Neither entity has provided validation or verification.

On XX/XX/2018, XXXX XXXX XXXX documented that they DO NOT have any documentation proving the above debt is legally mine.

I am attaching XXXX XXXX XXXX letter stating that they are unable to provide a signed contract binding me to any debt with their company. I am requesting that this fraudulent account is removed immediately from the credit bureaus IMMEDIATELY.

The Fair Credit Reporting Act requires that this debt is VERIFIED or VALIDATED upon my request within thirty days. XXXX XXXX has confirmed that they have NO means of verifying or validating the accuracy of this bogus account. If the account can not be veried, your company must delete the account from my credit report IMMEDIATELY. If you can not show proof that you have veried this debt and you continue to list this item on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.
Consumer complaint received 2018-04-04
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: EQUIFAX, INC. (MO)

I have multiple inquiries on my report all datedXX/XX/XXXX, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.
Consumer complaint received 2018-04-04
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: Experian Information Solutions Inc. (MO)

I have multiple inquiries on my report all dated XX/XX/XXXX, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

I have not been able to view XXXX response or submit my comments to you. The response was sent to my husband 's email and not to me. The complaint # is XXXX. I was denied credit because Experian reported that my Social Security # belonged to a deceased person. The SS # was entered twice by their agent in the store so they must have made the error twice. There was no attempt tto compare names and, except for their claim there is no proof that any of this happened. According to XXXX XXXX, in her letter, she tried to call me on XX/XX/18 but could not reach me. Another error due to her dialing XXXX rather than the correct XXXX. This is quite a pattern, After the failed phone call she claims to have sent an email which was not received. The email time was XXXX XXXX which means that the call was made before than. The letterhead shows their location as XXXX  UT and West address is XXXX XXXX SD. I believe phone calls that are made to OR that early are not legal.. In all XXXX  has issued a pack of lies in response to my complaint and that include lying to you, a US Government agency. This is not acceptable and I am hopeful that you can learn the truth and put a stop to their wrongfull denials of credit.
Consumer complaint received 2019-01-09
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. (AZ)

After three attempts, the last being XXXX, Experian refuses to remove reference on XXXX XXXX XXXX XXXX  account to Chapter XXXX filed over seven years ago.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

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.

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.
Consumer complaint received 2019-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIGY USA CORP. (MO)

XX/XX/XXXX I received a levy for a debt collection company called XXXX XXXX XXXX They had advised me that they has took all of our funds from mine and my wife joint checking and savings accounts zeroing out the balances now my bills have been returned for NSF. I have no debt or contract with this company I'm not sure why they are harassing me for a debt that doesn't belong to me. They will not return any of our calls in regards to debt it goes straight to voicemail, So if I wanted to make arrangements on this debt if it was my debt which it's not they had no intentions to work with me and they still would have taken every dime I had. I pulled up the case in the Missouri Case net case # XXXX and it showed this was a debt starting in XX/XX/XXXX. I called and left numerous messages and no one has responded and now being the XX/XX/XXXX. They are not willing to discuss the account with me because I do believe they are aware this is not my debt and took my funds anyway. Then they say the original judgement was for {$5900.00} they have doubled the amount of the debt adding post judgement interest of {$4600.00} for a balance of {$10000.00}. I have knowledge of charge off debts and I'm well aware that they didn't pay the original balance of {$5900.00} to try to collect this debt they are a 3rd party vendor and the original creditor sold this account to them for pennies on the dollar due to the fact they already charged off the debt and took their loss. 

This would be the same company that filed this same case under a different case # on XX/XX/XXXX Case # XXXX XXXX and filed a transcript judgement in XXXX County court for the amount of {$5900.00} plus court cost. This company is being deceptive and have horrible business practices. I would like my funds returned this is not my debt. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NY)

Imagine going to a store with a {$20.00} bill and a credit card in your wallet. Your total comes to {$16.00} and you give the cashier your credit card, because the purchase is a business purchase and your credit card is a business card. Instead, the cashier notices you have {$20.00} in your wallet and yanks the {$20.00} from your wallet to complete the purchase. 

This is what PayPal has become. At best, it is deceptive ; at worst, it is theft. 

I am a PayPal customer since XX/XX/XXXX. I have always enjoyed using PayPal to select which payment method I want to use at various online retailers. However, on XX/XX/XXXX, I purchased a ticket for {$16.00} with XXXX  XXXX and used PayPal to complete the transaction. The transaction ID was XXXX. PayPal asked how I would like to pay for the transaction, and I chose my XXXX XXXX card ending in XXXX ( see attached screenshot ). This is also my default card, or " preferred way to pay '', as PayPal puts it ( see attached screenshot ). However, after selecting this card, PayPal ignored the payment method indicated at checkout and instead deducted the {$16.00} from my PayPal balance, because at the time of the transaction, I had funds in my PayPal balance that had not yet been transferred to my XXXX checking account. 

PayPal 's customer service confirmed that in the event there are funds in your XXXX balance, any credit cards selected at check out will be ignored, and your XXXX balance will be used, even if the credit card is selected as your default payment method. 

There are many reasons why a consumer may wish to place a purchase on a specific credit card, rather than using cash ( or PayPal funds, which is the equivalent of cash ), including, but not limited to : 1 ) the transaction may be a business purchase, and must be placed on a business card ; 2 ) the credit card selected by the consumer at checkout may offer specific rewards for the purchase ; 3 ) the consumer may need to save the PayPal funds ( the equivalent of cash ) in order to pay for goods or services that do not accept credit card as a method of payment, such as rent, mortgage, etc. ; 4 ) the credit card  selected may offer purchase or travel protections that are not offered by PayPal. 

A dispute filed with PayPal regarding this transaction ( namely, dispute ID number XXXX ) was denied because my dispute is not with the merchant ( XXXX  XXXX ) but rather with PayPal itself. 

It is unacceptable, deceptive, and borderline theft for PayPal to withdraw funds from my account when I have indicated that a particular purchase is to be charged to a particular credit card. 

PayPal is making online purchases more difficult than they need to be. The front page of PayPal.com advertises ( see attached screenshot ) that " With PayPal, you can pay your way '' and " Add credit, debit, and bank accounts to your digit wallet and take your pick at check out. '' These statements are false, as evidenced by my situation described above.
Consumer complaint received 2019-01-09
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC (SD)

On XX/XX/XXXX a letter was sent out by Northstar Location Services , LLC on behalf of XXXX. The letter referenced Loan numbers XXXX and XXXX which appear to be loans from XXXX College and are under review by the Department of Education due to fraud, endangering my life, and encouraging their students to commit felonies and war crimes. 

The amounts of the loans when reviewing the amounts actually appear to be the following two private loans from XXXX XXXX XXXX which are over 15 years old and way past the allowable collection period. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Loans XXXX and XXXX are for the following amounts and originate from XXXX College. XXXX has has {$0.00} balance and XXXX is in administrative forbearance until XXXX XXXX - XXXX XXXX - XXXX These collection tactics are deceitful, unlawful, dishonorable and a disgrace to a civil society. 

Additionally, I believe the deceitful tactics in attempting to collect a debt that is no longer collectable violates FCRA. As a South Dakota resident, these debts are past the statute of limitations which is 6 years. 

I would like XXXX to remove these loans from their online portal. They can shove them into some other website for online portfolio management so that I do not get confused and accidently, through their deception, make a payment towards these loans and reactivate the statute of limitations. 

I would also like all collection notices from XXXX to cease as my account is under administrative review from the Department of Education and there is no reason a collection notice should be issued.