davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/2017 I made a payment of {$330.00}. Around XX/XX/2017, my XXXX XXXX at the time ending in XXXX XXXX was taken from my driveway. 
I was never notified PRIOR to XX/XX/XXXX or XX/XX/XXXX for that matter that my car was set to be repossession involuntarily as I would of never made the XX/XX/XXXX payment as low as I did. Or I at least would of made other arrangements with Santander. I had even spoke to an agent about a month prior to make sure I was making the correct future payments in order to get my account back in order. It wasnt until the tow truck was in my driveway trying to take my car that I realized my car was being repossessed. It was also at that time that I had to called Santander to confirm said repossession. Might I add that the tow truck stated that Santander was known for doing illegal repossessions. Nonetheless, my main issue is that Santander may have repossessed my car illegally and may also have violated one or more laws. Upon researching Florida Statues regarding repossession, Santander was and still is in direct violation of Florida Statue 537.012 section 3 which states that At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. I was never notified of any details regarding said sale nor was I notified of a final amount owed. I also was never given a chance to make reparations prior to the sale, whenever it occurred, which is also part of Florida Statue 537.012 section 3. I just so happened to check my credit report on XXXX XXXX in XXXX to find a repossession listed on my account which then changed to a charge-off in XXXX with a new amount owed which was news to me. I honestly believe Santander had already scheduled a repossession prior to XX/XX/2017 but instead decided not to notify me of that and allowed me to make a payment as if I was simply paying my regular car payment.
Consumer complaint received 2019-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I used the XXXX app to transfer money to another person ( who also banks with one of the well-known, big-name institutions that endorse the app ) on XX/XX/19. The {$400.00} payment was initiated to pay for tickets I intended to purchase through XXXX. I was unfamiliar with the app, but felt confident in it when it was *literally included* within my Bank of America app . The email address for the recipient is listed as " verified ''. 

When the email containing a link to the tickets never appeared, I realized I'd probably been scammed and within ten minutes of initiating the transfer, I tried to cancel it. I was surprised when I was unable to do so via the app or the BOA website. I immediately called the BOA fraud department. The first agent was unable to help me & transferred me to ANOTHER agent, also unable to assist me. They transferred me a second time, supposedly to a specific department that handles XXXX fraud issues. Apparently there are a lot of them, because I waited on hold for an hour and thirty-five minutes. I finally spoke to someone who looked up my account, then suddenly " disappeared ''. I was then greeted by ANOTHER agent, who ( after ten minutes ) told me that I had once again been transferred to the wrong department & they would transfer me directly to someone who could help.

After an additional ten minutes, with total wait time now at an hour and fifty minutes, I finally spoke to an associate who stated that there was basically nothing they could do ... I'd need to speak to a " Recall Associate '', none of which were in the office at the moment?!

When I finally spoke to an associate the following business day, despite the fact that the transfer was still listed as " processing '' ( via the online account manager ), they would not reverse the transfer. They stated that had I read the fine print when I started the XXXX account, I would have seen that the app is only for use in transferring money to friends and family. 

I asked if they are going to close the account of the thief so that they couldn't scam other people. They are going to " file an internal report ''. 

I asked if they are going to file a criminal report against the thief, since BOA/Zelle has access to their identity. They recommended that I file a report with the police/FBI. 

I am planning to close my BOA account, as apparently I can not trust them or the institutions they partner with, and look into filing a report with the FBI.
Consumer complaint received 2023-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (MD)

One main financial made me add life insurance to the allege account. TILA was not disclosed in terms of the sum of all things should be included. One main financial willfully and knowing violated me. Privacy was violated as well, it was not disclosed that I could opt out. My privacy was violated.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (OK)

I am writing to express my deep concern and frustration regarding the consistently delayed transfer requests from XXXX XXXX to XXXX XXXX for my XXXX XXXX XXXX XXXX XXXX ). Despite numerous attempts to expedite the process and diligent follow-ups, I have encountered persistent delays in the completion of these transfers. 

The purpose of an XXXX is to provide individuals with a means to save for medical expenses with ease and efficiency. However, the inefficiency and delays exhibited by XXXX XXXX  in processing transfer requests severely undermine the functionality and purpose of the account, leaving customers like myself in a state of unnecessary financial strain and uncertainty. 

Despite submitting all required documentation and adhering to the prescribed procedures for initiating transfers, as noted in the attached flier, the process has consistently been marred by extensive delays, resulting in prolonged periods of confusion. Not only does this inconvenience me personally, but it also raises serious questions about the reliability and competence of XXXX XXXX XXXX  services. 

I have initiated transfers since the XXXX of XXXX. Beginning in XXXX of XXXX, transfer requests began to be canceled outright or stopped processing. Transfers on XX/XX/XXXX and XX/XX/XXXX are such examples. 

The transfers initiated on XX/XX/XXXX and XX/XX/XXXX are currently active. Neither request has been acknowledged by XXXX XXXX. In fact, XXXX XXXX has informed me that XXXX XXXX simply refuses to communicate anything of substance, claiming something is defective in the request but due to privacy reasons, unable to disclose the issue to XXXX XXXX. When I call XXXX XXXX to determine the alleged defect, they have no idea that any issue exists and that I should simply have XXXX XXXX initiate another transfer request. Bureaucratically, this resets the clock on their inaction and gives XXXX XXXX another ten days to not act. 

I have been a loyal customer of XXXX XXXX since XXXX and have always expected a certain standard of professionalism and efficiency from the institution. However, the repeated failures to meet even the most basic expectations have left me deeply disappointed and disillusioned with their services. 

Moreover, the lack of transparency and communication throughout this ordeal has only exacerbated my frustration and the financial burden caused by these delays. I respectfully request that the CFPB intervene on behalf of consumers like myself and ensure that XXXX XXXX implements immediate measures to streamline their transfer process and prevent further delays and inconvenience.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've been trying to ascertain a copy of my credit report but I cant get pass the authentication process. I've called and spoke with someone over the phone and she and I went through the authentication process together, but none of these questions pertained to me. On XX/XX/XXXX I sent a certified letter to the company ( TransUnion ) stating and verifying my correct information. According to the US Postal Service the letter was delivered and signed for XX/XX/XXXX at XXXX XXXX. I called Transunion and spoke with someone on XX/XX/2020 at approximately XXXX XXXX  CST and was told they never received such a letter from the postal service. I'm being denied credit because of my Transunion report and I need to see why. 
I am attaching the letter that I sent to Transunion and also a photo copy of the recept I received from the postal service when it was delivered
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The payment process from Kohl 's is very shady. I have had an account with Kohl 's for over 10 years and never had a problem with payment. My account is paid by Autopay and was just recently informed that you have to update your autopay account with they every few months or they will not pull the payment. This is a very shady practice since " no company '' with autopay makes you update your bank account information. I also have not been receiving my account statements so I was not aware of the issue until I was almost 60 days late and then they called me to tell me they were putting me into collections unless I paid the balance. The bank account that I use to pay this account is one of several accounts so I did not think to check it to verify since I thought they would just remove the payment. This is a very shady practice to not only collect late fees but also interest. I paid the full amount and they credited my account for the late fees but not the interest and also added a 30 day late to my credit report. When I requested that they remove the delinquency from my credit report they told me that the info is correct and they will not be clearing it. 
I am not the only one that has had this issue. My XXXX   also said that she was charged a late fee and called about non payment as well and I am sure that many others have had the same thing happen. I think this needs to be investigated. 
Also want to mention that when the rep called me to make payment he used my bank account on file to pay off the amount owed. If they have that information why didn't they just pull the funds and not cause me to have a late payment and also ding my credit report. ( Seems to me this is a way for them to collect additional fees and interest )
Consumer complaint received 2023-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BID SOLUTIONS LLC (WA)

So I got XXXX XXXX XXXX to help me with a loan modification. It was great from the start because they seem helpful, but after paying them for the 3 months they asked me to, nothing happened. I have called them and emailed them and nothing. I got no reply from any of the emails and all the phone calls I made has gone straight to voicemail. Ive sent them 3 money orders in the amount of {$1300.00}. They say they email me but I havent seen anything for months. They said they left voicemails but I havent gotten any. Now Ive received a letter Notice of Trustees Sale and called the XXXX number on the back and talk to someone and he gave me the site so I can complain about what happened.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-10-05
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Transunion to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. I have contacted the bank and they have agreed to correct the account. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report but Transunion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. When asked why they're not accepting the dispute letters, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why. This account below needs to be corrected ASAP : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WI)

My Mortgage was sold to Lakeview Loancare, XXXX. XXXX XXXX, XXXX  XXXX, VA XXXX. In XXXX I declared Bankruptcy but I reaffirmed the mortgage debt and never missed a payment. I have the bank records to show I paid the mortgage every month and Lakeview received and cashed the checks. Still they did not record the payments and showed a overview debt of {$840.00}. I called them but never could get an answer as to why they did not credit my payments. Then I was told they had a special dept. to check into payments so I mailed them copies of the checks from the month they claimed were missed. I also emailed copies of the bank statements which noone ever acknowledged either the payments or receipt of the bank statements.Also this company was not sending bills on a regular basis and since I could not speak to anyone there was confusion as to due date. This was long before covid made all companies unreachable and every month no matter what I paid no payment was ever acknowledged nor could I ever get a person to speak to. It was an automated answer which told you to call another no. which was an automated answer for a case worker who altho I left messages and my name and number never answered me in almost two years. I finally called XXXX XXXX firm in XXXX and We tried to reach them by phone with both of us on the line but could not reach a living person only recorded messages. The only way XXXX. XXXX could reach them was by getting in touch with a lawyer who represented them at one time. He said the date due was the XXXX but it had originally had been on the first and there is no way to know when they changed the date. Since them I have still paid every month and I have asked to have the due date changed to the XXXX XXXX of the month. But I have received no acknowledgement of payments made. I sent in two checks for {$600.00} each month for XXXX and XXXX and {$420.00} for XXXX. My payment is {$390.00} a month but there is no credit shown for those payments altho they cashed the checks and I have paid every single month since and including XX/XX/XXXX. Every bill shows XXXX. By refusing to credit my payments this company makes sure I can not refinance my loan and I am stick with their refusal to credit my payments. They also damage the credit I am trying so hard to reestablish since my bankruptcy. This company has not shown good faith in dealing with me and it is over 2 years that they've been refusing to acknowledge my payment. I believe they are attempting to put me in a position that they can forclose on my condo. Covid or not they have no business handling mortgages.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The inquiries and inaccurate personal information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureau. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX  XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

XX/XX/XXXX - purchase made via Paypal XXXX - dispute initiated, goods not received XX/XX/XXXX - was told case wld be closed if seller didnt respond by XX/XX/XXXX XX/XX/XXXX - seller has not replied XX/XX/XXXX - seller replied, dispute closed in favor of seller. 

***what the seller sent was a portion of what was ordered and the items were not as described in their ads!! *** XX/XX/XXXX - claim escalated, items not as described and order was NOT complete XXXX - seller offers full refund if I return items and provide shipping info by XX/XX/XXXX XXXX - items returned, tracking number provided XXXX - Paypal denies claim, saying information was not provided. 

Please not there are DOZENS of complaints on XXXX forum about this seller who is obviously fraudulent. However the name the company advertises under is a XXXX name, not the name the bill shows up as. So there is no way to research the company before making a purchase. Paypal is willing doing business with this fraudulent company. It is a giant scam and Paypal let consumers be taken advantage of ; they dont care as long as they get their fees.
Consumer complaint received 2020-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: The B & F Corporation d/b/a OK Loan Service (OK)

XX/XX/2020 I paid off my loan in full. 
On XXXX XXXX, 2020, I called to renew the lease based off of my receipt header and the manager said that she was told by home office to deny my loan renewal because of their other loan offices.
Consumer complaint received 2022-11-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a Home Equity Line of Credit managed by XXXX XXXX XXXX. In XXXX, I noticed my monthly payment scheduled for XX/XX/XXXX was not automatically withdrawn. I have a 15 days grace period and my payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX. I talked to a representative who took my payment online. Unfortunately, I later learned that this representative incorrectly applied my payment to the principal instead of taking it for my monthly payment which made my account delinquent. In XXXX, I called XXXX XXXX XXXX and was told the mistake was on their end and they would fix it and let the credit reports now that my account was not late. In XXXX, this was still not done and I was told the same thing again. I called today and apparently this is still not fixed. My account on XXXX still shows a late payment of 30 days. This is impacting my credit score and the company has taken more than 60 days since I first notified them of the issue. Every representative I talked to has always told me XXXX was at fault and that would be fixed but nothing happens.