davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (CA)

Here is proof of intent to defraud me and my insurance agent.Planet home lending insurance every year sends if you do not provide evidence of insurance they will add on. 
Every year the evidence is provided.Every year they have to remove it when i find out they added it.Here is the copies of my insurance office sent to PLANET HOME LENDING INSURANCE.The evidence is automatically sent by insurance .Yet they still send letter. 
I make sure with my insurance office and request a copy.I have had same insurance office since XXXX same policy since XXXX XXXXLast year a new agent at the same office.Planet even called the new agent trying to say that when loan was transfered from XXXX had insurance impounds on the loan.I have proof that this is not true as far as i have been told.The man in charge of insurance every year AFTER HE HAS RECEIVED THE EVIDENCE OF INSURANCE. I force him to remove it.This year Planet went way out of their way to cause fraud on the insurance. # XXXX XX/XX/XXXX requested evidence .Office provided it twice .The policy did not expire until XX/XX/XXXX XXXX XXXX prior to the expiration with the evidence in the file .Planet in true FASHION OF THEIR ATTEMPT TO DEFRAUD The XXXX XXXX  on XXXX lot .Planet went to my insurance company DIRECT WITHOUT ME OR MY AGENT KNOWING. ( placed insurance on three of the four residents same lot all on same loan with my insurance company ) When I had asked my agent ( new agent to be sure Planet did not add insurance ) Planet SAID I WAS PAYING MY INSURANCE XXXX XXXX TAX OFFICE AND XXXX XXXX IN TAX OFFICE AS A COURTESY SAID I WAS PAYING THE INSURANCE.You can not trust any person involved with Planet Home Lending.RESPA LAW would have required any impounds insurance for me to be notified.Why would planet sent the letter if you do not give evidence we will add on insurance.Then have a Planet Insurance call my agent SAYING THE LOAN HAS ALWAYS HAD IMPOUNDS FOR INSURANCE. I have provided the head guy in the insurance, who has made a real mess.Now he wants me to believe that the insurance company that received payment from him.Will send me refund checks .And that when I finally get them THEN PLANET WILL MAKE MY IMPOUND ACCOUNT ZERO.I have forwarded you his letter.XXXX  says i dont have impound accts anymore.Refuses to say why it happened in the first place.Why i have to try to get my insurance company to forward refunds to me that I did nt send to them .At that time he will remove from the FAKE IMPOUND ACCOUNT HE SET UP PRIOR TO INSURANCE EXPIRING. 
ITS TIME TO SEND TO DEPARTMENT OF INSURANCE AND ATTORNEY GENERALS OFFICE. I do not have any control of this loan .Planet has done the same thing with my taxes. YEAR AFTER YEAR SAME THING. You need to see the attachment .I will also mail more of what i have found.
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (MD)

SANTANDER CONSUMER USA INC is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. In accordance with 15 U.S.C 1681 S2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors : A person shall not furnish XXXX  information relating to a consumer to XXXX  consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In accordance with IRS XXXX XXXX, Form XXXX was filed as a cancellation of debt. ( XXXX XXXX B Attached ) Once this document is filed, it must be reported as gross income on my tax return. The IRS also clearly defines a charge-off, as SANTANDER is inaccurately reporting on my consumer report, as GROSS or ORDINARY INCOME. SANTANDER should also understand that the charge-off that's being inaccurately reporting is now considered as a XXXX of XXXX, which is also considered income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. By definition, the IRS clearly says a canceled debt or XXXX  is XXXX. The reporting of this account as a debt is inaccurate. This account should be reporting as a satisfaction of debt. " Paid As Agreed! '' 15 USC 1681 S-2 reinforces that SATANDER IS PROHIBITED BY LAW to furnish inaccurate information. Furthermore, I sent SATANDER an Opt-Out letter with no response. ( Letter Attached ) Per 15 USC 6802 and 16 CFR 313.7, as a consumer I can exercise my right to Opt-Out at any time. I exercised that right, with no response, in violation of XXXX  USC 6802, 16 CFR 313.XXXX and more importantly the Privacy Act of 1974. Also within the confines of SATANDER 'S XXXX  filing with the XXXX, they have already sold the contract between us, as an investment security, to investors. SANTANDER has reaped the benefits of all the proceeds of the sale. This is also evidenced in the 424 ( b ) XXXX Prospectus. ( Excerpts from 10K filing Attached )
Consumer complaint received 2022-10-27
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX, XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A. (NY)

Company citibank has been calling my phone multiple times a day starting on XX/XX/XXXX. I will submit screenshot of the times they have called. I've been having a hard time paying bills at the moment because I haven't been able to work more hours due to a high risk XXXX.
Consumer complaint received 2024-01-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

Over the past two dates, XXXX & XXXX, I've tried to make several purchases on a pre-loaded Amex card that had an issuing balance of {$2500.00}. I made one purchase in the amount of {$900.00} that was able to go through on a website that was very much a mom & pop - not a large conglomerate. As I went forward with my day to make other purchases I kept running into the same problem with the card getting denied. After jumping through a lot of hoops to just get connected was an agent I was first told they would go ahead and move the payment to the service that can clear payments and then wait 24hrs to make the payment again. I did just that and tried to make the payment again on XXXX only for it to not go through. I reached back out to Amex support and I was told there was nothing that could be done and the only solution would be to try a different merchant. Well I did try a different merchant, and another one, and another one, and another one. Same thing happened every time. This is also a virtual gift card so I can not even use it in a store as I don't have a physical card to swipe.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Hello I deposited cash money all {$100.00} bills XXXX bills in the atm CHASE branch machine today. It took my money but it print received to give them a call there was an error. When I called they check the system they said there arent any money showed. I said please check the Camera I even counted it before put it in, they said they cant. Im very headache right now. It is a lot of money and it seems they dont want to take any responsibility.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase said they sent me a request for information for my Chase XXXX XXXX by mail that I did not receive. Because I didn't respond to my letter, they closed my account. I did not realize it was closed until more than 30 days had gone by, and because of this they say my approximately XXXX Chase Ultimate Rewards points that I had earned had been forfeited. I would just like them back.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Reported debt to my credit report from XXXX XXXX that is not valid. XXXX XXXX sold my information to a third party after 14 years since I visited the business. Claiming I owe them money without producing any confirmation of this debt and have not contacted me in 14 years.
Consumer complaint received 2023-04-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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. 

Account name: XXXX XXXX XXXX XXXX   Account #XXXX, has violated my rights. 
Account name: XXXX XXXX XXXX XXXXXXXX  Account # XXXX, has violated my rights
Account name: XXXX  XXXX  XXXX    Account # XXXX, has violated my rights
Account name: XXXX XXXX  XXXX    Account# XXXX, has violated my rights
Account name: XXXX XXXX  XXXX     Account#  XXXX, Has violated my rights
Account name:XXXX XXXX XXXX  Account# XXXX, has violated my rights
Account name:XXXX  Account# XXXX, has violated my rights
Account name:XXXX XXXX XXXX  Account#XXXX, has violated my rights
Account XXXX  XXXX  XXXX  Account#XXXX, has violated my rights
XXXX  XXXX  XXXX   Account#XXXX,has violated my rights

XXXX XXXX XXXX. Account#XXXX,has violated my rights   

XXXX  XXXX  XXXX  Account#XXXX,has violated my rights

XXXX  XXXX XXXX Account#XXXX,has violated my rights

XXXX XXXX XXXX  Account#XXXX,has violated my rights

XXXX  XXXX  XXXX  Account#XXXX,has violated my rights

poXXXX XXXX XXXX Account#XXXX,has violated my rights


XXXX XXXX XXXX  XXXX  Account#XXXX,has violated my rights


XXXX XXXX XXXX Account#XXXX,has violated my rights


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX: It also states a consumer reporting agency cannot 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 2022-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

Equafax never contacted me when they had a data breach and my information was effected by the breach this is a unfair practice for a company that monitors credit every consumer should have been notified of the breach to either have the opportunity to be part of the class action or have the time to protect their credit now my information is somewhere in cyberspace with anyone access to the information with a possibility of it being used now or in the future
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ASSOCIATED BANC-CORP (IL)

My checking account fell into the negative. That XXXX  day, within XXXX  of the posting, I deposited funds to the account to bring it back to the positive. The next  XXXX, my bank charged me an overdraft fee of {$32.00}, bringing my account back into the negative. Not only did I make the deposit in a super timely manner, the bank waited until the next XXXX  to charge me a fee on an account that was not negative. The bank is Associated Bank. I can provide further information if needed.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (IN)

I'm the victim of identity theft I've been disputing things for over almost a year now and I'm getting real aggravated with it Victoria 's secret is a fraudulent account that got that my credit was used to obtain it I've asked for validation of debt I've asked for an itemized document of purchases made also they have sold the debt XXXX  XXXX  had sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX sent me a letter stating that I am no I am not obligated I have no further obligation regarding this account and they will close the account and she's collections I have numerous times tried to get XXXX  to get off of my credit report because it is fraudulent and they refuse when I call them they refuse to do anything and they end up acting like they're transferring me and they disconnect my call they can not pull up this account because they said that they sold the debt so it's no longer in their hands they were also double reporting for multiple years XXXX XXXX  Victoria 's secrets and XXXX XXXX XXXX were both reporting negative reports on my credit report over the same account now how is the person to live in this world especially if they're a single mom and they have companies like this that don't follow the laws or investigate correctly I'm very very upset about this and I'm not going to dispute this one more time I have contacted the consumer advocate consumer advocate and they are working with my accounts but it's so frustrating that I try to dispute things with the company itself and they tell me they can't even pull me up because they sold the debt and and this XXXX isn't even mine so then I go to the credit bureaus and I resend my Federal trade commission report my identity theft report through please the report with the account numbers in it and they won't do anything so then I contact the cfpb for help and you guys don't do anything so what's a consumer to do with all this fraudulent XXXX on their credit reports that is going by the book and disputing accounts and filing identity theft reports and police reports and verify my identity and disputing every single month for a year and still nothing 's happening when this should not be on my report
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA (NM)

Per this card 's benefits, I should get a {$200.00} credit after spending {$6000.00} each calendar year. Despite doing this, I have not gotten this credit due to misleading advertising that I would get the benefit for " spending '' that much, not " posting '' that much on the credit card. I made a charge of {$1000.00} on XX/XX/XXXX ( I have a timestamped email to prove it ) to reach {$6000.00} for the year and every charge on this account takes one business day to post. Despite the charge on the account initially having this purchase date, the company deliberately changed it to XX/XX/XXXX and shifted the post date to XX/XX/XXXX in order to deny me the {$200.00} credit. Thorough the year no other charge had this mysterious behavior until the end of the year. How strange! I wonder why that would happen! This is on top of being misleading in the first place on their website about the benefit.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (SD)

The XXXX Credit report indicates the following account as delinquent. I have not been billed by XXXX  XXXX XXXXNor have I been informed of a required payment. I DO NOT OWE them any money. This is fraudulent credit reporting. At the very least, I can not be delinquent on an account that I am not even aware of. This is in violation of my due process rights. 

TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Account Details Account Details Payment Status Account Number XXXX Name TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$12000.00} Original Amount {$9800.00} Original Creditor XXXX  XXXX XXXX XXXX XXXX ) Past Due {$12000.00}
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (MO)

I sent a debt validation letter to jefferson capital system wanting verification that this is my account. They recieved it on XXXX XXXXXXXX. I recieved a letter and a bill. This is not verification and i want this removed from my credit report immediatly
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation (LA)

Hello XXXX, Your XXXX XXXX account is currently past due If payment is not received by XX/XX/year> we will begin the repossession process. The total amount past due is {$1100.00}. 

Contact us today to discuss payment options and other ways we can assist you with your account. 

Thanks, Bridgecrest
Consumer complaint received 2024-05-07
Product: Credit 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: Chime Financial Inc (FL)

Chime allowed an unauthorized transaction to debit my card after I got confirmation from them they blocked charges and no money has been taken out of my account. But the total opposite happened they allowed them the transaction and I still have t been refunded my money