davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am writing to file a complaint against my car lender Santander Consumer USA due to their unlawful practices that resulted in the loss of my vehicle. The lender did not honor their original agreement with me, which has caused significant financial and personal hardship. 

On XX/XX/XXXX, I made a payment of {$1300.00}. This payment was part of an agreement where I was informed that I had 15 days to pay the remaining balance, which was {$1900.00}, in order to reclaim my vehicle after repossession. On XX/XX/XXXX, when I called to make the final payment, I was unexpectedly told that I now owed {$2500.00}. This new amount included an additional month 's payment that was never communicated to me during our prior discussions. 

Furthermore, the lender did not send me a repossession letter as required by law. When I requested one, they offered to provide it but only after the fact, which raised concerns about the accuracy of the letter 's date. 

I believe these actions are in violation of my rights and the terms originally agreed upon. Their failure to honor the agreement and the lack of clear communication have led to the wrongful loss of my vehicle. I request that the CFPB investigate this matter and take appropriate action to rectify this situation.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America has stolen money from my account since I opened it in XXXX. When I deposit money or receive money they subtract transactions that occurred in the past from that amount although my account isnt negative. they make it as if transactions are always pending to make this possible. I do not have direct deposit and I have a small income besides this is not my primary bank account so I can easily monitor my account to recognizing this happing. I believe Bank of America have an employee working on my account in this way making such adjustments especially diasplaying certain amounts in my balance relative to people whove stalked me and invaded my account. I want Bank of America to stop helping people like XXXX XXXX harass me and whoever is associated with her and other cyber XXXX  whove invaded me through electronic means. Its not okay.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Newport Intermediate Inc. ()

Good day, I'm from XXXX but I've been working onboard a XXXX XXXX XXXXXXXX XXXX  for more than two years and for that reason I have a North Lane account. Last month I had an emergency back home with my family so I resigned. However, I don't know what happened with my North Lane account, but it's not working anymore. 
I have some friends and they warned me about it.They said once we leave the ship, they 'cancel ' our account, so we are not able to use this account. However, I spoke with the financial manager before I resigned the ship, to make sure I'll be able to use my account and they said that it's not a problem. 
My problem now is : I have a XXXX account and I need to send money from North Lane to XXXX. For that, I need to add a new bank account ( XXXX XXXX on the north lane website. But for any reason, I can't do it.

I sent more than 5 emails to north lane support, I've been talking with north lane support via XXXX  for more than two weeks and the answer is always the same. I sent a screenshot with the error message, my passport photo and all the information they need and they say 'wait for 1-2 business days '. I've been waiting more than two weeks JUST TO ADD A NEW ACCOUNT IN MY NORTH LANE ACCOUNT TO SEND MONEY TO HELP MY FAMILY WITH MY XXXX  ACCOUNT. I don't know WHY it is so complicated. 
A lot of people have problems with this north lane. They never help us! Please, I need to send this money ASAP. 
I even sent them the XXXX account information, so at least they could add this information, but NO, they can't do it, So please, may you help me with this? It's a simple problem, I just need to add a new bank information on my north lane account to send my money. 
This is disrespectful with us. I'm very upset with this bank and I would like an answer. 

Can you imagine if it was you? You worked more than 2 years to save so much money and when your family needs you, you are not able to send money because your bank canceled your account, because you are back home now, and not in the USA.

I have emails and XXXX conversation with them. When I send an email, they answer 'send us a XXXX  ' Thanks.

Ps. I saw a black space to add my account number but I don't have this information, because this is only a salary account so I never used this information before. I tried to find in the north lane website but there's not my acocunt number there. I only have my card number and I don't know if is possible to find my information with my name/email adress or something like that.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I tried to call the bank to open a merchant dispute, but without a SSN is impossible to go through the call center. 
I need to dispute these XXXX transactions made with my debit card ending in XXXX, XX/XX/XXXX {$880.00} - {$880.00} - {$880.00} - {$880.00} I went to the store XXXX XXXX in person to buy XXXX XXXX XXXX XXXX XXXX, the products were delivered on XX/XX/XXXX ( it tooks almost XXXX month to arrive ), so at that time were no longer neded, so I went to the store on XX/XX/year> in person to return the XXXX XXXX. The store agreed to refund ( they have 30 days return policy ) and they issued XXXX refund receipt confirming the full refund to my debit card. 
The credit was never posted to my account so I called them on XX/XX/year> and they said they already processed the credit and if is not on my account I should contact my financial institution for billing adjustment. 
Please proceed with the charge back requested due " credit not processed '' Thanks
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

ON XX/XX/year>, I SENT PORTFOLIO RECOVERY ASSOCIATES , LLC A CERTIFIED MAIL LETTER WITH RETURN RECEIPT, STATING TO LIFT THE CEASE AND DESIST, FOR THE PURPOSE OF COMMUNICATION FOR CLARITY ON THE ALLEGED DEBT AND I HAVE YET TO RECEIVE THE RETURN RECEIPT BY MAIL. BUT YET, THEY ARE STILL RESPONDING TO ME THROUGH THE CFPB PORTAL!
Consumer complaint received 2024-08-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TN)

On XXXX, XX/XX/year> XXXX charged me a {$30.00} late fee. Per the CFPB late fees are not to be charged if the due date falls in a XXXX XXXX, or a holiday. And as long as the payment is received the next business day by XXXX.
Consumer complaint received 2024-08-12
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: CITIBANK, N.A. (FL)

Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citicards CBNA 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 XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (KY)

I made a digital deposit of {$1000.00} yesterday XX/XX/year>. {$400.00} of that was made available right away. I proceeded to make a bill payment of {$200.00} leaving approximately {$260.00} still in my account with Wells Fargo. I woke up this morning, Checked my account balance, and it was - {$130.00}. I called Wells Fargo and they said that due to some unusual activity with my employers bank, which I received the check from, Wells Fargo decided to hold all of the check, the entire {$1000.00} including the XXXX I received yesterday, XXXX of which I had already spent. according to the terms of my agreement on this account, whatever shows as available is meant to be available for spending and yet because I spent that {$200.00} and then they removed XXXX. I am now in the negative and overdrafted, and they sent me an email today, the XXXX, saying that if I did not have that overdraft compensated for by XXXXXXXX XXXX tonight, overdraft fees would start applying. This was confirmed to be true by their customer service representatives. They have essentially stolen my money and now theyre going to charge me for it. They said they will not be making my check available until XX/XX/XXXX, which is fine because I dont need anything until then, but as of yesterday I had {$400.00} available, I spent XXXX, and then they withdrew that entire XXXX. So now THEY have overdrafted my account and they are going to penalize me for it. I have spoken to them three times today and cant get anywhere. It should be noted that I have pictures of my account showing how much was available, when it was available, what was posted when, and what the terms of my agreement are with this bank account, which states that whatever shows as available is money that is there to be spent ( in this case, the {$400.00} as opposed to the full XXXX ). It should also be noted that I spoke with my employer. Nothing looked unusual on their side and my full {$1000.00} had cleared their bank account. It was no longer there. i.e. Wells Fargo has it.
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CO)

XXXX XXXX to use my card and realized the card had expired so I called the company and they informed me the account was closed and they would not reissue my card. After giving the representative my information she stated it did not match what they had on record. The only difference is the card XXXX XXXX XXXX an email stating I would not have a payment due on my account because of an allegation of fraud. This has not been the case since I called to inquire about my card being replaced. 
XXXX XXXX I received an email stating my new card was sent out but never arrived. The number on the card still does not match the card I have noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP (FL)

See attachments. 
Per US Bank XXXX in XX/XX/2023, " consumer needs to reapply for the unemployment forbearance. '' XXXX reapplied and faxed a second application to US Bank XXXX today. Consumer is isolated and getting NO ASSISTANCE ANYWHERE HERE IN FLORIDA to mediate this issue with US Bank XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (FL)

I am writing to formally complaint about IQ DATA INTERNATIONAL 's handling of fraudulent information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I found a collection account on my IQ DATA INTERNATIONAL credit report that I did not open or authorize. The details of the fraudulent account are as follows : IQ DATA INTERNATIONAL ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00}. This account is a result of identity theft, as I have no association with it. Despite filing a dispute with IQ DATA INTERNATIONAXXXX, this fraudulent entry remains unresolved. Under the FCRA, specifically 15 U.S.C. 1681i, IQ DATA INTERNATIONAL is required to investigate disputes promptly and ensure the accuracy of information reported, which they have failed to do in this instance. 
Furthermore, 15 U.S.C. 1681c-2 mandates that a consumer reporting agency must take steps to prevent the inclusion of fraudulent information in a credit report. I have also provided a copy of my FTC Identity Theft Report with the report number XXXX and other relevant documentation to IQ DATA INTERNATIONAL.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Consumer complaint received 2024-08-20
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: BARCLAYS BANK DELAWARE (CA)

Hello, I have several credit inquiries on my account that I do not recognize and I want them removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX WI 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION (PA)

On ( XXXX ), I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (IL)

On Monday, XX/XX/year>, I reached out to SoFi Bank to report two different dispute claims. The first dispute for {$980.00}. And the second dispute for for the amount of {$1100.00}. I submitted all of the necessary paperwork and documentation necessary for them to begin their investigation. They explained to me that it would only take a few business days for them to process a provisional refund to my account while they continue the investigation. I waited several days for the refund to appear in my account and every time I checked I received nothing. Then on, XX/XX/year>, they sent me status emails regarding my claims saying that they were still investigating. I responded to the email asking if they will be refunding the money in the mean time and they did not respond. On XX/XX/year>, I called to SoFi 's customer service line to get a status on my refund. I explained to them, that will need the refund soon because I am relying on it for other things. The woman I spoke to assured me that it will not take much longer for SoFi 's investigation team to refund the money. At approximately XXXX XXXX on XX/XX/year>, I received a response email from the investigations team that said that my disputes do not qualify for provisional refunds and I will have to wait for the investigation to conclude before knowing if I will receive anything. This is completely unacceptable and frustrating because they have constantly stated that they will be giving me a provisional refund and it will only take a few days and now I have some else saying something completly different and suggesting that I may not even get my money back.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (GA)

American Express is stating that I have an unpaid balance due, but they also stated they have adjusted the balance because they did receive the payment. The balance due is actually an interest dividend payment due to me in the name of XXXX XXXX XXXX. I have requested the payment due to my legal name, be applied back into the account. Redemption of payment were made by the bills and payments coupons ( negotiable instruments ) via USPS Registered Mail to American Express XXXX XXXX in XXXX, CA and to their Investor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX NY . American Express is not acting in the best interest of the XXXX XXXX XXXX XXXX. By withholding access to my credit via the access device card provide, is causing emotional, mental, physical, phycological & financial stress. I had to quit Culinary school, miss medical appointments and lost my job because American Express began restricting my card after trying to force me to make specific types of payments. Based on American Express 's Prospectus filings with the SEC, they made a firm offer of credit but have failed to uphold their offer, after receiving my initial investment of an asset backed security which was the application that they are trading on the secondary market. Obligating the public to pay a debt of a bank or corporation is illegal and goes against public policy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ).