davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (LA)

In XX/XX/XXXX I obtained an auto loan through Santander Consumer USA. The total amount of the loan was just over {$11000.00}. I paid on time 82 % of the time I maintained the loan until XX/XX/XXXX. As a result in XXXX of XXXX Santander closed my account with them. Now in XX/XX/XXXX the car has been repossessed. I contacted Santander the day the vehicle was repossessed to discuss with then the vehicle sale options. They informed me that I owe then over {$10000.00} to buy the vehicle back. My complaint is that after 3 years of monthly payment of {$300.00} my loan was only paid down {$1000.00}. The gentlemen rep for Santander informed me that I was consistently paying late or making partial payments and those late or partial payments went all to Santander in interest and penalties. My problem with this is that they have themselves reported to my credit report that payments where made on time 82 % of the time and that if payments were made late they always charged a late fee of {$15.00} that was to be paid at the time of the late payment. At a payment rate if {$300.00} a month for 3 years I have paid Santander roughly {$10000.00} that that only paid off 19 % of my loan. Santander has mastered moving the goal post and I knew that I would pay off my car even in the 6 year life of the loan. At the end of the day I would have paid for the vehicle twice. I don't want this to happen to other people and I would hope something is done to stop this sort of predatory lending.
Consumer complaint received 2018-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was sent some money and. For whatever reason they sent a email saying they were going to close down my account due to suspicion but they was not closing it under any penalties or nothing bad against my account and they were going to transfer my money to an account that I had connected to my Capital One account or send it in a check within 10 to 12 days and I havent done either one nor did they shut down my account why I have an eight yet received my money and when will they be shut down the account
Consumer complaint received 2019-06-13
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: M&T BANK CORPORATION (NY)

I came into a XXXX XXXX car dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX  XXXX. I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX. He assured me this was the process. Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , M & T Bank ) without my permission. These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep. 

My personal information including credit history, social security number, and income was shared without my permission. This needs to be fixed asap.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (WI)

On XX/XX/2024 i reviewed my consumer file and realized there were late payments reporting to my consumer report according to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 
15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumerA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Our loan was transferred from XXXX XXXX XXXX dba XXXX XXXX, with a large escrow shortage. We have held this loan for 2 years and 3 months of escrows were collected at closing and no changes to tax or insurance since this time. We never had a problem with the escrows until it was transferred to Mr. Cooper loan servicing. I have already got all documentation from Mr. Cooper showing that they received the loan with a large escrow shortage. I have talked on the phone with XXXX XXXX on XX/XX/2019, and on this same date faxed over a request for an investigation into the shortage. XXXX XXXX sent a letter dated the same day saying they will look into it. As of XX/XX/XXXX nothing had been done about the inquiry So I sent another fax on XX/XX/XXXX. I sent the letter they sent to us dated XX/XX/XXXX asking what has been done to solve this investigation, only to receive another letter XX/XX/XXXX that they would look into it. It has been over two months since we made our inital inquiry with no resolution. I am aware of 12 US code 2605 e-2 regarding the 30 days to receive a response and XX/XX/XXXX was well beyond the 30 days not counting weekends and holidays. We need this solved asap.
Consumer complaint received 2018-06-18
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: AMCOL Systems, Inc. (AZ)

I filed a dispute with the credit bureaus. the account doesn't belong to me and I request validation of said debt in line with the FCRA. Also i did not sign any HIPPA release that releases my information to any third party and this is in violation of my rights and i want it take off my credit report expeditiously. 

If not done so within the legal amount allotted time i will be seeking legal action against this company. 

Best regards, XXXX XXXX
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HANCOCK WHITNEY BANK (LA)

Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with Whitney ( XXXX XXXX ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting corrected. Their incorrect reporting has caused denial in  employment. I was assured the errors would be corrected asap. The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" Whitney sent a XXXX  in XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently WhitneyXXXX XXXX is in violation of Federal and State of  Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge.
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX. All documents have been supplied to the creditor on several occasions. Discharge documents can be supplied again if needed. 

Copies of bureaus incorrect reporting is attached.
Consumer complaint received 2019-06-13
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. (MO)

I spoke with XXXX XXXX advised them at the begin of XX/XX/ 2019 that they are reporting to all three Credit Bureaus the my account is currently in past due status which is incorrect. They stated that on the XXXX of each month the bureaus are updated. As of XX/XX/ 2019 my account because current. As of today XXXX-XXXX-2019 XXXX has only updated XXXX that my account is not past due.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I just received an e-mail from myEquifax telling me that they have a new way for us to monitor our security freezes. They are basically forcing us to enroll in this or risk our information being used against us AGAIN due to their very lax " security standards ''. This is very wrong and will lead in nothing but trouble. Why can't you protect us from these idiots?
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

CitiMortgage has reported & verified with XXXX XXXX that a mortgage account that went into foreclosure and should have been removed from my credit report XX/XX/XXXX due to age was brought current during a few months at the end of XX/XX/XXXX & beginning of XX/XX/XXXX when it was not. Court papers Citi Mortgage filed for the foreclosure on XX/XX/XXXX accurately reflect that the account was in default and never brought current. This account has been disputed numerous times with XXXX XXXX, most recently in XX/XX/XXXX, copies of the court papers CitiMortgage filed were included in the dispute but CitiMortgage keeps verifying incorrect information. The date of last payment is correctly shown as XX/XX/XXXX and no payments were ever made after that date. Citi Mortgage reports the account as " OK '' from XX/XX/XXXX thru XX/XX/XXXX and as of XX/XX/XXXX shows 120 days late. Their own reporting is a contradiction showing current in the 3 months preceding a report of 120 days late. Although I sent XXXX XXXX the proof that Citi Mortgage is reporting and verifying incorrect information this account is still on my report when is should have been deleted XX/XX/XXXX.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CO)

XXXX Apple suspended my account for review of an XXXX charge dispute -I called every day for a month asking for updates and understanding of why my account was suspended. Multiple representatives told me that it would be resolved within the day or week. 

-I provided evidence proving a financial error by XXXX and Apple wherein I was being charged for a monthly installment for a watch I returned last XXXX. The Apple employee forgot to cancel my wireless plan attached to the watch when it returned and i was being charged for a watch and service I did not need. 

-After one month of daily calls, my account was closed without explanation
Consumer complaint received 2019-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Trans Union lowered my personal credit rating which has affected my credit score. The only changes that have occurred are 10 hard inquiries for credit WHICH I DID NOT AUTHORIZE. 
After contacting TRANS UNION and speaking to someone who barely spoke English I was told they could/would not allow me to dispute credit inquiries ( which XXXX does ) I have NOT authorized these 10 inquiries and therefore want them removed or show me where I authorized them
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

XXXX. XXXX XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX - XXXX I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I had a secured credit card with usaa. I called and spoke to one of their representatives and asked if I could set up an automatic transfer from my savings to my credit card account to keep the account open, she said yes that would be acceptable. Once that payment date arrived the account had been closed out anyway. I attempted to speak to USAA about the issue and it took 3 phone calls to finally get to someone who was able to help. She was a member of the ceo relations team. She reviewed the phone calls and got back to me. She did acknowledge the fault lay with USAA and she would find a way to fix the issue. Over the next 2.5-3 months I didnt hear anything back. I attempted to contact her multiple times and was never able to get ahold of her. On one occasion I was on the phone for 45 minutes before someone could transfer me to the correct department. As they transferred me the call dropped and I never got a call back. I finally heard back from her last week and was told that they could reopen the card. I called yesterday and told her Id be able to open the account with a {$500.00} deposit, was told that wasnt a problem. She called back this morning and said first that they couldnt open the account with {$500.00} only {$300.00} since that was the line of credit originally. Later in this same phone call she said they werent willing to open the credit line with {$500.00}. It seems like they arent really trying to correct their mistake and dont want to do what seems appropriate to make the situation right.
Consumer complaint received 2019-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: QUALITY ACCEPTANCE LLC (NV)

On Friday XX/XX/2019 XXXX spoke to XXXX about doing a deferment on the XXXX XXXX XXXX financed with Quality Acceptance. He agreed to provide the deferment with XXXX on the phone. On Monday XX/XX/XXXX we still had not received the deferment by email so XXXX called XXXX. Tuesday at XXXXXXXX XXXX we finally got the deferment paperwork from Quality acceptance in emails between XXXX and I but at around 5-6 am on Wednesday, XX/XX/2019 they decided to repossess out vehicle anyway after agreeing to the deferment.
Consumer complaint received 2019-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

I have an auto loan with Chase Auto Finance. 

Per their instructions, I sent a loan payoff check in the full amount ( approximately {$19000.00} ) to their loan payoff division. 

Chase received the check and confirmed it was in the correct amount. 

Chase cashed the check and only cashed it in the amount of {$190.00}, having left off a few digits. 

It's unclear if this is a mistake by Chase or by my bank, XXXX. 

Chase now wants me to send another {$19000.00} check with no gaurantee that my original check will not be cashed in the full amount as well and has told me I need to spend my time going to XXXX to figure out a problem that should be resolved between Chase and XXXX. 

Now, Chase is sending me letters and phone calls threatening to repossess my vehicle. 

I've wasted hours on the phone been put through a lot of stress around this issue and would expect Chase to resolve the issue by working with my bank directly rather than putting me in the middle of a problem that I did not create!
Consumer complaint received 2019-06-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (WI)

On XX/XX/XXXX, Discover closed my savings and two credit card accounts without any reason. At that time, I still have over {$80000.00} balance in that savings account. I have to call discover to ask them what happened and they told me that my online accounts were just deleted and they can not recover them at all. 

I have to register a new online account to access my savings account and the customer service of Discover did not know why this account was closed! I have been holding the credit card accounts for more than 5 years and the savings account for 4 years and have never violated any of Discover 's rules.

I know they used to close customer 's credit card accounts for no reason. But what I can not accept is that they even closed my savings account without any reason and notice, especially when I still have {$80000.00} in that savings account!
Consumer complaint received 2019-06-13
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: Experian Information Solutions Inc. (FL)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. These items listed are not mine and need to be deleted from my credit report. XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, Inquiries ; 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 2023-08-10
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. (NJ)

On XX/XX/2023 and XX/XX/2023, I disputed the public record of Bankruptcy listed on my credit report with Experian. They receive their information from a third party recording agency called XXXX. Both times they acknowledged they received a letter dated XX/XX/2023 from XXXX stating they could not verify the Bankruptcy they initially provided credit reporting agencies and was removing it from their system. 

In my XX/XX/2023 letter to them, I wrote them a letter demanding they remove the Bankruptcy for a 2nd time ( just as XXXX in XXXX, XXXX  ) and disputed their reporting of the Bankruptcy on my credit report and were in violation of FCRA Ss 611 ( 15 U.S.C. Ss 1681I ). 

They denied they were in violation because they never heard back from XXXX when they asked them to reconfirm, despite providing them with the letter from XXXX and said they were within their rights of the FCRA but could not quote me section number. I consulted with a pro bono attorney who said because no such section exists. I respectfully would removed. They are taking advantage of me. I'm permanently XXXX and this has been very hard on me.