davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CA)

This was my first experience of buying a new vehicle. I was contact my the dealership XXXX XXXX XXXX XXXX online that they can make my dream come true in buying a new car that as of now it became a nightmare. On XXXX my car was hint behind & just got informed it will be a total loss. The dealership never advised me about GAP insurance & I just recently found out about that insurance last Thursday when my husband bought his truck. It was a very unfair for me not to be advised in giving me that option when I was offer with an extremely high interest of 27.80 % when purchasing this vehicle. It was very unfair for the Dealership not offering this insurance to me knowing especially how high the interest is & now I have to pay a balance out of my pocket more than {$3500.00} & if I keep the car I have to pay over {$5000.00}. Today XX/XX/13 I called the financial Santander Consumer USA to see if they can give me a deal to close/payoff the account as I already have paid them over {$14000.00} & the lady who answered me said no i still have to pay the balance that is pending per the contract signed. I honestly see this unfair & am looking for help as an American consumer i feel disappointed how the dealership ripped me off as well the financial company not working with me. Now I will be left with a broken car or no car plus no money to get a new car. If someone out there can help me I will appreciate & for the consumers do not go to XXXX XXXX XXXX XXXX i don't recommend them they don't care about the consumers ONLY their sales & when buying a vehicle ask for GAP insurance that will help. I wouldn't like no one to experienced what am going through.
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (GA)

When XXXX XXXX XXXX insisted on making me pay, Taxes and Insurance with an Escrow, it Assumed a Legal, fiduciary responsibility and it makes it absolutely liable for any mis-handling or any negligence that results in using any of it, except for its contracted purposes. 
At the closing and included in the closing cost, the Taxes and a full year of ( XXXX XXXX ) insurance was paid, to XXXX XXXX, in advance, so none of my escrow should have been spent. The fact that you illegally paid an insurance bill ; that ( XXXX ) sent, that I did not owe is a malfeasance of your fiduciary duty. 
I have been trying to recover my money from XXXX, Insurance ; the company, that New American paid by mistake, and the Agent XXXX XXXX XXXX is working to help me recover it also. 
I have talked to several of your employees about this and they were to help me also. 
Now you have been sending me a bill for the entire amount of the new, correct insurance ; ( XXXX XXXX ). You also charged me with late fees for not paying it all at once. Please understand that because of your mistake, you have the responsibility of helping me too. 
Now, I have had to get a lawyer to help me. We plan to take you to court and present all of our documented facts ; the same facts that you also have in your contract. 
We plan on suing you for the, ( Late Fees ), the law firms fees, court cost and the all of the money missing from my escrow. 
My attorney has attempted to contact you, and will keep trying. My attorney has said, that if you return the late fees, missing escrow funds and stop sending me bills with the money added to pay for your mistake, we need not go to court. 
I would like to get a response to this letter ASAP,
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I just deposit in cash {$180.00} to a Bank of America ATM machine, ATM id # XXXX, located in XXXX XXXX, NC and the ATM machine took the money and didn't provide me a receipt, and even worst, didn't credit the deposit to my account. I feel like I was stolen by BoA. I want BoA branch where this ATM machine is located, to investigate TODAY, and credit my money TODAY, otherwise, they are stealing from me. This was cash in hand money that I had available today and is not fair that because of a mechanic problem of the ATM machine I just simply have to loose my money for no reason. The branch need to have the capacity to resolve the problem today!
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (VA)

I was part owner in a company and we were looking for a credit card to use for company purchases. I applied with the companys XXXX, but since we hadnt been in business very long, I also had to use my own ssn and credit to be approved. Ultimately I left the company by selling my shares to other owner. The American Express card was on the books and was used only for company expenses. It continued to be used by company before they started being late on payments to the point of account being closed. Ultimately after awhile, the card was finally paid off, but shows on my personal credit report as a negative report with delinquencies and as closed by creditor. During this time, I spoke to American Express several times and told them who they needed to call to inquire about payments, as I was no longer with the company. Went through the process several times to allow them to speak with my previous company. During this time, even though I was communicating with American Express, I started getting calls that they were calling every one of my family members multiple times each and identifying themselves saying they needed to speak to me regarding this account. They were also calling casual friends multiple times the same way. I was not only mortified and embarrassed, but also horrified that besides family, friends I hardly know were now aware that a credit card company was trying to collect payments owed. 
I have already disputed the negative report on my credit, but just learned that they are only permitted to call family/friends one time. I want something done about this. I went through terrible XXXX due to every person I know being aware of a financial issue that was agreed to be taken care of until paid off by the company I was no longer associated with.
Consumer complaint received 2018-04-21
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. (SC)

I have unauthorized credit inquires on my Transunion credit report. I have tried to contact the companies but have had no luck. I'm trying to purchase a house and need these inquires removed from my report ASAP. 

XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2022-03-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (IL)

Santander took ILLEGAL action on XX/XX/2021 when they illegally sent a third party my information and they trespassed my private property TO repossess my property! They admitted to this theft in my complaints under XXXX Santander claims the total reinstatement amount to get it back was XXXX yet charged my card for XXXX false misleading and as stated ILLEGAL. my property shouldve never been taken in the first place because I dont owe Santander any debt. The amount financed is what I, THE ORIGINAL CREDITOR, EXTENDED. If we as consumers financed it? ITS ALREADY PAID FOR in full! The finance charge is the sum of all charges! Thats why Santander can NOT validate the debt in which they claim owe. In Santanders deceptive and fraudulent contract it does not state right to rescind it does in fact state No cooling off period Which is a violation of TILA ( truth in lending act ) 15 USC 1635 states to clearly and conspicuously disclose that a consumer has the right to rescind any violation found in the TILA a consumer shall be compensated double the finance charge! Santander ignored my first letter so I recently sent a second and a cease and desist. I am hereby exercising my Right of rescission THIS CONTRACT is CANCELLED!
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/20 I called my bank to dispute a charge from a buy here pay here transaction that took place on XX/XX/20 since I had returned the vehicle after the dealer refused to reach out and help me. I ended up involving the Attorney Generals Office and the DMV Inspectors office about this issue and have also had the chance to submit my evidence. Besides the day I called my bank to dispute the transactions and to periodically ask for updates my bank never called to ask for my evidence and took it to arbitration without ny knowledge or calling me for my evidence so I ended up losing my {$1800.00} deposit and the {$72.00} fee for using my card. I have since contacted the Attorney General the FTC and theXX/XX/XXXX and an Attorney and the Bond Company of the auto dealer to submit my evidence. I have tried several times to advise the bank I want to file a formal complaint and I keep getting emails asking to to reach out with questions and there is nothing more they can do. I am asking to file a formal complaint and for any other help or resources I can contact to prevent anyone else from dealing with this issue and to maybe to help any previous citozrns.
Consumer complaint received 2018-10-17
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. (FL)

XXXX XXXX XXXX open : XX/XX/2016 XXXX XXXX  XXXX XXXX {$300.00} This company is reporting I own the {$300.00} I never used this company or have I ever been here this is fraudulent information our house is paid for why would I apply to stay here this information is wrong by the law I will sus this company and go to court if this is not removed off my credit file
Consumer complaint received 2018-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Agencies, Inc. (MA)

I am getting harassed. Below are just some of the dates of the calls.. 
XX/XX/18, XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18. This is getting out of control. When I pick up, it's automated and they make me wait. I left a message telling them to stop calling.. I blocked their number, but they keep calling me! 
The company is Action Collection XXXX XXXX.
Consumer complaint received 2020-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (PA)

For the past few months I've been writing and requesting verification of this account, and The Bureaus has sent me nothing. It has been extremely difficult to dispute with a company named The Bureaus,  because I also had to dispute with the 3 credit bureaus for this account! Despite my many requests for information, I still have received nothing! HELP ME!
Consumer complaint received 2020-02-03
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: CREDIT ACCEPTANCE CORPORATION (NY)

while login on to my credit monitoring site I notice a few accounts on my report that does not belong to me I would like for these fraudulent accounts removed asap these accounts or on my XXXX, XXXX, and my XXXX as well 1.credit acceptance {$31000.00} date open XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   {$2100.00} date open XX/XX/XXXX 3. XXXX XXXX XXXX {$910.00} date open XX/XX/XXXX
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

The XXXX XXXX XXXX advertises you earn 2x points at Restaurants. I charged {$150.00} at XXXX XXXX in XXXX XXXX, FL on XX/XX/2020. I was only awarded 1x points and not 2x as promised. Other restaurants on my statement have earned 2x but this one has not. At {$150.00} I should be entitled XXXX  points instead of the XXXX  points. 

Terms of the program state " Purchases must be submitted by merchants using the merchant category codes for purchases in the above specified categories to qualify for the additional XXXX  points. Barclays and XXXX are not responsible for incorrectly coded purchases. '' However, the billing statement, the merchant is classified as " XXXX XXXX - XXXX  '' with a " doing business as '' a restaurant. This is probably happing with many other customers. The merchant had submitted as a Restaurant. This blanket disclosure should not be a scapegoat in Barclaycards responsibility to reasonably fulfill their accelerated points offers and should be challenged by the CFPB for UDAAP concerns during their next exam of marketing and fulfillment.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MS)

I purchased merchandise on or around XX/XX/2022 and as of todays date I have not received it. So, I went to XXXX website to check on order and there is " NO '' RECORD '' of the order ( Order Number XXXX ), ( see attachments ), and I tried to file a dispute, but there is no record of the order, thus I can't file a complaint nor can I contact XXXX about the missing order. The merchandise was paid using the payment source " PayPal Credit ''. Pay pal credit says I have to contact XXXX, but there is no way to do it since XXXX doe s '' NOT '' have a record of the merchandise I purchased. Thus, I should not have to pay for merchandise I have not received nor XXXX has not a record of it. I believe it is a " scam '' ( since there is no record on XXXX ), of sorts and I was " scammed ''. SO I am asking Paypal credit to reverse the charge of {$60.00} made on XX/XX/2022. I want ti removed from my Paypal Credit XXXX.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

On XX/XX/XXXX and XX/XX/2021 I spoke to ERC asking for proof of this debt they claim they have in writing. I gave them my new address. Asked for a letter on XX/XX/XXXX aprox. It never came. I never received a letter. Today, XX/XX/2021 I called again. I spoke to XXXX /supervisor she stated that their verbal dispute team will send me a letter when they feel like it. [ Basically ] She could give me no date. Her high and mighty attitude was abusive in tone and words. Verbal Abuse, abusive tones which VIOLATES FDCPA the Fair Debt Collections Practices Act. Typical .She said it's against the law for them to send me a letter since I verbally disputed it. Which I WAS NOT TOLD on XX/XX/XXXX. On the first call. Where I spoke to two CSR 's who did not bother to give me that info. Even after I ask on a recorded line she still refuses to send me a letter. She claims it's harassment if she sends me a letter after I verbally disputed it. Yet, I specifically asked for a letter on a recorded line. This is a fake debt. I owe XXXX  nothing. XXXX  XXXX broke their contract with me. I was told it would probably be put on my Credit Bureau by the first person I spoke to on XX/XX/XXXX. Yet, it was taken off ALREADY! AND IF THEY RE-REPORT IT THEY WILL DEFINITELY BE BREAKING THE FCRA. I am being threatened with my Credit being tarnished, and refused something in Writing. They refused to update my address to XXXX XXXX XXXX XXXX, CA XXXX. All letters were going to an old address on XXXX XXXX in XXXX XXXX, an old attorney who does not represent me any longer. Which I told them on the first call. XXXX  was XXXX  and XXXX. Again breaking and violating FDCPA. She believes this fake debt is way more important than being cordial to her fellow humans. She acted as if I robbed a bank or something and was evading arrest. Her tones were all around lawbreaking. I will have my attorney pull their call records. No problem. ERC and all Collection Agencies are a menace to Society and break Federal and State laws on an hourly basis all across the Nation. They fake collect on Unverified, documents. They harass and harm society as a whole, without having any official verification of the debt in the way it should be done. My call began at XXXX XXXX  this morning Monday XX/XX/2021. Her agents did not tell me that I would get a letter from then once they researched the fake claim. I only heard that from her today on this call. I asked for the XXXX letter though, which she refused. I warn them to tread very lightly with my Credit Report, and to think twice before they report this after it was REMOVED. XXXX XXXX XXXX. The Consumer Financial Protection Bureau has been notified of their behavior as will other entities.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

I have worked for 7 years to rebuild my credit after Chapter XXXX in XXXX. Discover without written notice decreased the Credit Limits on all 3 of my cards which raised my utilization from 30 % to 90 %. I have paid more than the minimum and sometimes make 2 payments. This in turn caused a snowball effect on my XXXX XXXX  which was reduced from XXXX to XXXX, XXXX XXXX XXXX XXXX which I have had for several years from 3000 to 1500. So, Discover has basically negatively affected my credit which caused other issuers to follow suit. I had extra expenses during the holidays and I have been paying these down, considerably. It took forever to bring up my credit to only have it shot down in less than 2 months to where I was 7 years ago. Nothing in the mail. I called Discover and explained the negative effect this would have on car loans, refinancing, and everything else... They did not care. They did not care I paid on time and sometimes more than the minimum. Now my utilization has gone up on several of my cards and my credit that I worked so hard for and continued to pay during COVID is ruined by their decision and lowering limits without prior notice on a whim and ruining my score which I worked so hard on for so many years. XXXX XXXX seeing that Discover did this followed suit. I am very upset these banks are not regulated to prevent this from happening and intentionally ruininging an individuals credit with all 3 bureaus.
Consumer complaint received 2018-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (CO)

I have {$530.00} bank fees due to a XXXX error. I contacted XXXX and they stated they would provide me a letter by email to give to Compass. I waited two weeks and never received the letter. They continued to submit for payment out of an account that I requested that compass close prior to the error. I contacted compass to o let them know the drafts were without my permission and requested that I receive a reversal of fees and to not allow any more drafts were I would receive more NSF and other fees. I contacted compass several times by email and by phone. They continue to allow the drafts and continue to charge me NSF. I was told by they fraud department that it was up to me to talk to the merchant I explained that I tried several times and they have not fixed the issue. Compass still had not done anything regarding the credits or closure.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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. 

XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
Dept of Ed XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX / XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an 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.