davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (GA)

XX/XX/XXXX i was coerced into purchasing a XXXX XXXX XXXX from XXXX XXXX XXXX. I was strapped for cash and my credit was at a very low rate to rising bills. At that time i was new to the City in which i reside, with 3 kids, and working from XXXX to XXXX XXXX  in the morning. I had no other transportation nor any family hear. When i originally signed documents to finance a vehicle, the vehicle was a XXXX XXXX XXXX XXXX. I feel as if this was a scare tactic of the Car Dealer to put a person whom they know can not afford a top dollar vehicle, in the vehicle finance, then to only come back with a high dollar amount the dealer knew i could not afford. Then, the dealer ultimately offers the customers a vehicle that with high interest rates and low value, making the consumer feel as if they must take any vehicle they are given by the dealer. 

My vehicle was a XXXX XXXX XXXX, financed at XXXX and it was only valued at XXXX, making the financing company charge me XXXX in interest. At the time of purchase my father had, had a XXXX  in my hometown, in which I was in desperate need for transportation. 

XX/XX/XXXX I lost my job and was out of work until XX/XX/XXXX, I contacted Santander Consumer USA, regarding my payments on this vehicle numerous times due to my ineligibility to pay the high monthly. They afforded me 2 months to make payments but then added the payments to the end of my loan with double interest. 

This past year XXXX Santander Consumer was sued by the state of Georgia due to unfair practices. Where i believe I do fall under the class action suit. When I placed several calls to Santander USA, i was met with rude, unfair telemarketers who was not willing to help. One receptionist even told me " I don't have to give you anything '' when I requested for help with the loan. I informed her of the law suit where the Supreme Court deemed Santander Liable, and able to afford consumers a break. She began to berate me and tell me that i am a grown woman and i should make better choices with my money. I had to hang up because i began to feel nauseous an sick.
Consumer complaint received 2022-01-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Experian Information Solutions Inc. (WA)

This loan was completely paid off and Experian will not reflect it. I disputed it with Experian and this is there erroneous response : The dispute for the account with XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX  XXXX XXXX OK XXXX This is proof that Experian is NOT investigating ANYTHING when you dispute with them. I sold that car and paid off the loan and Experian is stating that XXXX said it wasn't paid off. I know that Experian did not contact XXXX XXXX XXXX because if they did, this loan would show CLOSED on my Experian report. There is something wrong down at Experian and no one is paying attention to the business tactics
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX I refinanced my home and elected to use some of the equity I pulled out to pay down/off a credit card I have with Barclays Bank XXXX The title company title365 sent me a check in the amount of {$4400.00} to send to Barclays. One XX/XX/XXXX I mailed them said check. This was not the only company I did this with, so about a month later all of the other checks I mailed except for the one sent to Barclays had been applied to the respective accounts. I called Barclays on XX/XX/XXXX to inquire where my payment was and why it had not been applied. They said they would research and figure out what is going on and let me know within 7-10 business days. I subsequently called Title365 ( on XXXX XX/XX/XXXX ) to check to see if their check had been cashed, and they informed me that it had cleared as of XX/XX/XXXX. I then reached back out to Barclays to inquire about the status of my check being applied to my account, they said they had not found it yet, but they would escalate my case and gave me the case number of XXXX to track all of the activity. It is now XX/XX/XXXX and I called again today seeing that my payment still has not been aplied to my account with another " wait XXXX to 5 days '' and you can call back. I am blown away that a company whom I have spent a ton of money with over the past several years is soooo slow and incompetent. Any help that can be provided in resolving this case would be greatly appreciated. I let the representative I spoke to today ( XXXX a supervisor ) know that I would be contacting the CFPB.
Consumer complaint received 2024-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (PA)

I received {$330.00} payment from a friend and the account received it perfectly fine but then XXXX seconds later when I tried to withdraw it to my bank all of a sudden my account was flagged and they told me I have to wait five days for them to review my information to verify my identity, even though Ive proven my identity to them XXXX times in the past two days And they change their reasoning to. I somehow broke their terms of service even though its only a XXXX day old account at the time that it was frozen theyre doing this to a lot of people and theyre screwing me over majorly because I needed that money desperately days ago.
Consumer complaint received 2019-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

Date : XX/XX/2019 Amount : {$220.00} Action : Attempted Withdrawal from a XXXX Debit Card ATM Location : Wells Fargo ATM, XXXX XXXX XXXX XXXX, XXXX, NC XXXX phone : ( XXXX ) XXXX Transaction Date : XX/XX/2019 Transaction Amount : {$220.00} ( @ XXXX ) Reason for Dispute : The cash was deducted from my XXXX balance immediately, but the money DID NOT dispense from the Wells Fargo ATM machine . The ATM gave me an error message and told me to contact my financial institution. I did not get any money, but it shows as a completed transaction in XXXX. I have contacted XXXX who initially refunded me and then later, took the money back and stated that the money was due to the merchant. I reached out to Wells Fargo directly, called, emailed and even went to the Branch where it happened. After several phone calls from Wells Fargo representatives ( who were very nice ) and promises to help, I was told there was no way they could track the ATM balance and could not help me since I was not a Wells Fargo customer. So basically, I am just out of {$220.00} an Wells Fargo has no liability even though it was thier ATM machines that faltered. I have used this card many times in the past to withdraw cash and have never had an issue, this time the money did not disburse and I feel it was an ATM error ; however Wells Fargo did nothing to get my funds back to me, and basically said since I dont have a Wells Fargo ATM card, they could not track it. They called me and claimed they did a thorough investigation- but there was no mention of my money being returned - just them again reiterating that they could not track my card ( which I did not ask them to do ). They CAN assess the balances in those ATM machines, along with how much was in the ATM machine, and how much was disbursed. And, if the money was disbursed after me to someone else, they also have cameras on those machines. It can not be impossible for a BANK to track the money disbursed from thier ATM machines. I need my {$220.00} back and would appreciate some help. This is unfair to me and poor practice from the bank as they claim to have all these security measures in place..cameras and accurate accounting are part of security too. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-01-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WLCC (MN)

On XX/XX/XXXX, I received an email from this company stating I was in collections and owed them 670 dollarsXXXX  I did admittedly have this fall into collections due to bad management on my part, but it should be noted that this debt is not on my credit report. 

I asked them for a " written validation notice '' before I made any move to repay the debt, as is my right. By law, this must provide the amount of the debt, the name of the creditor I owe, and my rights under the FDCPA. In response, they simply gave me my account number and ordered me to contact them to repay the debt. I asked them for the notice again, making it clear what the notice should include, and they only provided me a copy of my loan agreement ( no mention of my rights under the FDCPA ) and again ordered me to contact them to repay the debt. In essence, they are refusing to give me the written validation notice which is illegal under the Fair Debt act. 

In addition, I have not been able to find evidence this company is licensed in MN, which is where I received the loan. If they are not licensed in this state, the debt is void.
Consumer complaint received 2021-07-23
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. (OH)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-01-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (FL)

One of the 3 attached bill collector shared my information with a relative. I am not responsible for any of these loans because of a natural disaster that was out of my control and left me without anything for a long long time. The current administration would gladly have this removed from my credit report.
Consumer complaint received 2022-01-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I have been a victim of identity theft starting in 2017. This company called XXXX  XXXX XXXX has a loan balance that was fraudulently open in the amount of {$460.00} I noticed this account last year that was being reported to XXXX XXXX and XXXX. I sent in the supporting documents including a police report and this account was blocked and removed. Now recently this company has reported this account to Experian because they are blocked from the other two reporting agencies. They continue to report this account that was not open by me.
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Service Finance Holdings, LLC (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from SERVICE FINANCE CO LLC located at XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

this complaint is to put on notice that Transunion received my letter today and starts the clock for them to respond to my request. I have included my letter with tracking and a certified mail delivery receipt with signature. As a courtesy, I have also sent this letter and return receipt to XXXX XXXX XXXX the State attorney general of Pennsylvania and My state attorney general XXXX XXXX XXXX to ensure compliance and further investigation into the investigative procedures by Transunion and maintenance and processing of my credit file to ensure that ALL federal laws have been applicable.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I HAVE SENT CAPITL ONE SEVERAL STTEMENTS PROVING MY ADDRESS, IDENTITY AND PAY STUBS THEY STILL WONT UNRESTRICT THE ACCTS INTERFERING WITH MY ABILITY TO BUILD MY CREDIT
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

I am blocked from accessing the website even after providing all of the requested identity documents. I will attach those documents again so maybe this time they will actually allow me to access my credit on their website with my email : XXXX XXXX
Consumer complaint received 2017-07-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

XXXX  -original Complaint.   I  XXXX   XXXX , had to wait for my Doctors follow up in order for the paperwork to be filled out. Finally the paperwork from my Primary physician was and is complete and mailed as of today   X/XX/17 .      Since the original complaint had been closed, I am submitting another to further work with you and try to get some results on lowering, extending payments. This would help us during this difficult time. I want my daughters name as co-signer released as promised originall y by   XXXX   XXXX  , s he is not responsible for this loan. My husband works part time and receives a pension once a month, since I can no longer work we are asking for some leniency please.     The paperwork that was sent should supply and answer all their questions. This matter is still open.
Consumer complaint received 2019-07-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

sir. i get one pay loan speedy cash. my emergency situations harricaine Harvey in XXXX tx i get this loan. loan principal amont. {$3000.00}. loan a/c # XXXX. i pay back each 15 days my payment due. i make 9 payment every 15 days each payment amount is {$510.00} i did total payment {$4500.00}. my hard situation lose my job. i call i need payment extended payment. speedy cash no give me any chance to extend due. date. no any help no did. i so many i call. nobody help me. this speedy cashinstallment loan company they did track my debt card. and back account. i tell my no pay this company. my bank officer told me. this kind ilegeal payday loan companies. you change bank account. that's more better. after 4 months later. one collection call come to phone. you wants pay {$5100.00}. i don't know where amounts coming from. this one type financial discrimination. pls help sir.
Consumer complaint received 2019-07-29
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. (TX)

XXXX  and Experian are reporting incorrectly ( 30 ) days past due on the XXXX XXXX partial account number XXXX. This account has been paid. There is no outstanding balance and therefore there is no past due balance to be late on. XXXX  is reporting ( 30 ) days late on this account showing a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account where there is a {$0.00} balance {$0.00} past due. The Fair Credit Reporting Act guidelines say that an item must be removed if it has not been updated within ( 6 ) months. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (TX)

My wife and I are getting repeated calls almost on a daily basis. Some are robotic calls ( not a real person ) and some are live people. I have requested the calls stop, but they continue. This feels like harassment. The people from the live phone calls scared my wife with scare tactics to make us pay for unknown debt collection. No company should try and scare you or threatening you like this. The collection company will not give me any information retaining to the collection either. I am seeking seeking further help about harassment with law enforcement or family lawyer.
Consumer complaint received 2019-07-29
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. (TX)

XXXX  and XXXX are reporting incorrectly ( 30 ) days past due on the XXXX XXXX partial account number XXXX. This account has been paid. There is no outstanding balance and therefore there is no past due balance to be late on. Transunion is reporting ( 30 ) days late on this account showing a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account where there is a {$0.00} balance {$0.00} past due. The Fair Credit Reporting Act guidelines say that an item must be removed if it has not been updated within ( 6 ) months. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co (OH)

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. 
SAFCO ***** Opened Date XXXX XXXX, 2015 XXXX {$10000.00}
Consumer complaint received 2022-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc. (PA)

A few years back I moved my federal student loan to a private loan through a company called Earnest ( owned by XXXX ). During the process I feel that the company didn't make it clear that my loan would no longer be federal. So I lost any federal forgiveness incentives and even during the pandemic my loans are accruing interest. This is highly unfair to me as a borrower that information was not presented clearly.
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alpha Recovery Corp (RI)

The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB.

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.
Consumer complaint received 2016-03-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have received hundreds of calls from this company, despite being on the Do Not Call Registry. I waited for the representative to appear on the line and I asked for the name of the company ( Cardmember Services ) and its main phone number ( XXXX ). This is, I understand, a Capital One solicitation,. CONSTANT CALLS TO SAY I OWE MONEY, I HAVE BEEN IN THERE PAYMENT PROTECTION PLAN FOR MONTHS EVEN HAVE THE STATEMENTS TO PROVE WHERE THE PAYMENTS HAVE BEEN MADE. CANT WAIT UNTIL I CAN GET RID OF THEM. IF THEY KEEP CALLING I WILL HAVE NO CHOICE BUT TO SUE FOR HARASSMENT AND UNDO XXXX THIS IS CAUSING ME..
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXt Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-25
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. (OH)

Received email alerts on XXXX from a card company called XXXX  card with multiple uses and multiple dollar amounts. I looked on my transunion report and there was a unauthorized hard credit pull from a company called upgrade. I froze my credit and am providing trans union with a police report to have removed.