davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
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: Santander Consumer USA Holdings Inc. (TN)

It is a national pandemic. Everyone is infoming us consumers that we can deferr payments but yet when I do it, Santander reported me late XX/XX/XXXX. 

How can this be allowed with a pandemic going on. I am on unemployment and out of work. Santander knows this, they are the ones that said do not worry we are not reporting late payments during the pandemic. 

Now I am going back and fourth with the Credit Bureaus telling them its a pandemic and they are reporting me late and my account is paid up as agreed. This is too much, I have a family to take care of and need to move during this pandemic to downsize. I can not do that because I have this late payment reporting during this national pandemic. I need some help someone has to help me. I have been writing and calling the credit bureaus and they are not helping me at all. If you look at my credit report you will see that I have never been late in XXXX. This does not make since i pay my bills take this error off. it is a pandemic and they shoul not be doing this tome!!
Consumer complaint received 2020-07-30
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Fraudulent inquires reporting on my credit, that I did not apply for and without my consent. 
Please delete inquires XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-30
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: Lending Club Corp (TX)

Due to the COVID-19, I contacted Lending Club for suspension of my automated deduction payments until I return to work and start earning steady income. They agreed to suspend the payments for two months and contacted me to start making payments in XXXX after suspending payments for XXXX and XX/XX/2020. I told them that I had not been able to start working yet due to the uptick in COVID-19 cases in Texas but they told me that at least I should do whatever it takes to makes interest payments so they deductted {$370.00} from my checking account and scheduled another interest payment for the same amount for XX/XX/2020. Despite the hard times, they also sent me an email demanding another payment of {$890.00} on XX/XX/2020, thus collecting two payments within the same month despite the fact that I have not been able to return to work. I tried to call them to explain but nothing changed and they told me that they were going to damage my credit if I don't make the payments. Anytime they will attempt to deduct any payments from my account and there are insufficient funds, the bank will charge me fees adding more to my debts.
Consumer complaint received 2022-07-23
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. (DE)

I WANT THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681B I DID NOT GIVE XXXX XXXX OR EQUIFAX AND WRITTEN CONSENT TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT TO MY RIGHTS AND I AM VIOLATED I AM DEMANDING A DELETIONS OF THESE ACCOUNTS OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT
Consumer complaint received 2022-07-23
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. (CT)

I place a complaint with Experian and XXXX on XX/XX/2022, explaining that a few of the creditor listed on my account had incorrect information on my credit report. On XXXX XXXX there was, and update add to my account which I feel was done by the credit bureau without contacting the actual creditor. There has been no information sent to me or available to see online. there is no place to request information on how they updated this information. My credit score then took a nine-point negative hit. This account was sold to a debit collection company, but the original creditor is the one reporting the wrong information on the account.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CATHAY BANK (CA)

On approximately XX/XX/XXXX I requested to open a business deposit ( checking ) account at Cathay Bank in the XXXX XXXX branch located at XXXX XXXX XXXX XXXX The relationship banker collected all the required documents, which I had on hand and after several back and forths with her management she informed me that I had to wait for the back office to verify if there were any derogatory reportings with XXXX and/or if my business was within their banks acceptable categories. So I was asked to wait for a call. After some time, the banker asked for additional documents- vendor contracts, latest months bank statement with my current institution. Although all of this was starting to ring very unusual I provided everything else requested. I am in the business of interior design and real estate stagings. I've been in business since XXXX and this is the first time a financial institution has brought forth a question with regard to the category of my business. I also was referred to this bank by friends in the same line of work who bank with this bank, so the question of category is not accurate. And as far as XXXX reporting anything negative is also false since I have now verified this after the topic was put forth by the bank. I am hoping this is not a case of discrimination since this bank seems to be predominantly of XXXX decent. I am not XXXX. I would like upper management to be aware of this encounter and put forth better measures to establish new clients. 

Thank you, XXXX XXXX
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I WANT THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681B I DID NOT GIVE XXXX TRANSUNION OR XXXX AND WRITTEN CONSENT TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT TO MY RIGHTS AND I AM VIOLATED I AM DEMANDING A DELETIONS OF THESE ACCOUNTS OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

I deposited my taxes into my Chime account XXXX of XXXX I was spending them my hard earned money. I go to XXXX XXXXXXXX and get out XXXX for XXXX and I see my account is closed and they were saying they need documents. I sent them everything they needed after calling the IRS and they still closed my account and wont give my remaining balance.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX {$340000.00}
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

MY CREDIT PROFILE IS INACCURATE WHICHI IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT ... IMREALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATES ON MY INQUIRIES, IM GON NA GO TO COURT.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MI)

I responded to a letter they sent me asking them to 1. Provide proof that I owe them the debt with supporting documents AND 2. Only communicate in writing. 

They received my certified mailed letter on XX/XX/24. 

They have called on XX/XX/24 at XXXX from phone number XXXX And again on XX/XX/24 at XXXX from phone number XXXX
Consumer complaint received 2021-05-09
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: JPMORGAN CHASE & CO. (IL)

On or about XX/XX/2021 I tried to pay the parking after a Dr. appointment with united Explorer MileagePlus Visa with Chase this card I have been using for more than 40 years the account is current and good standing, the amount was {$12.00}, for no reason the payment was declined, that was embarrassing and made unnecessary delay and exposure to traffic delay, I rushed to my clinic and I was shocked when I saw a note " Online '' the at my account is closed!, I called the customer service and they did not give any ligament reason to close the account, the violated their agreement and caused damage for my integrity and reputation.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (ID)

I was a Simple Banking customer. Simple closed up and was to be transitioned to their parent company, BBVA USA on XX/XX/2021. Immediately there were significant errors when attempting to enroll. Attempts at contacting customer service were futile as wait times were in excess of an hour. Then, the following day on XX/XX/XXXX BBVA stated they would have their customer service open on Sunday ; however, when I, along with thousands of other people, called customer service ( XXXX ) someone would immediately pick up, act like they couldn't hear you, then hang up. I tried twice from the same phone, then I got a second phone and customer service wouldn't even answer, it would just hang up. At this time, I have no access to manage my money, BBVA customer service is not operational, and there is no solution to this problem for an unknown thousands of people. There are hundreds of complaints and the XXXX threads reference these complaints are numerous concerning the problems with this transition.
Consumer complaint received 2018-05-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CAP ONE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (GA)

I have notified Experian, XXXX and XXXX about an account that is deemed ( fraudulent, inaccurate and or unverified ). The account ( XXXX XXXX ) was initially removed from all three bureaus however Experian and XXXX have reposted the account to my reports. I have submitted all of the necessary documents to have the account removed. Experian and XXXX are continuing to report an account that is not legally verified.
Consumer complaint received 2023-04-04
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. (CA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have an inaccurate address left that needs to be removed. Per FCRA section 605 you are required to remove any information listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2022-07-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ENOVA INTERNATIONAL, INC. (TN)

Cash Net USA keeps increasing my payment and drafting it out of my bank account on the wrong days. How did my payment go from {$200.00} to {$300.00} in 1 week?
Consumer complaint received 2020-07-30
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

On XX/XX/2020 I received an eidl loan into my " joint account '' with my Younger brother.I put join into quotations because after it was received I was told my brother couldn't be added on my account even though he has a credit card and checking account with NFCU.When applying for the eidl because i got one as well for my small business around XXXX dollars the auto fill accepted and didn't realize my number not his after it grayed.I was told on XXXX  that we needed to prove we were brother and sister which aside from a dna test is hard we have pictures from youth ect but different mothers and a absent father which is not uncommon. I went into the bank and withdrew his money and gave it to him he is a sole proprietor working for XXXX  and XXXX XXXX/XXXX XXXX. # # weeks later i wake up to my accounts locked and after being on hold twice for 4 hours a time I am told this will be resolved and I can have my money that I just put in the account two days prior if we both come into a branch with our ids which we did the following day.After another ridiculously long hold I am told that my personal funds are being sent back to the sba ... That is my rent my money from working ect money that i physically put into my account.Navy Federal stole XXXX dollars from me without so much as a blink of the eye after doing everything they asked and verifying with documentation .DURING A PANDEMIC!!!! I am going to be homeless because of this asine action. The funding cleared before it was withdrawn and given to him as well. He has even made a early payment on his loan. I want my account and my money back into my account and I want to not be told and have one resolution documented only to be met with lies when coming into the branch.I am a veteran who has honorably served my country and I do not deserve this at all.
Consumer complaint received 2022-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (SC)

I am writing to you today as a formal complaint against GoodLeap. We invested in Solar Panels and Backup Battery Package with XXXX XXXX XXXX, XXXX on XX/XX/XXXX. We had numerous problems from the start and finally ended up getting our system installed on XX/XX/XXXX. However, the system would not pass inspection and we did not finally have our system up and running until XX/XX/XXXX, with our first Loan PaymenXXXX through Good Leap being due in XX/XX/XXXX. Good Leap started charging us interest on our {$55000.00} solar loan after the contract was signed, so we were in the negative when we made our first loan payment. 

During our first year, we have had numerous issues. Wiring that has not worked properly when power goes out so that the backup battery runs as it should, snaps that error out on the inverter which means our system does not function properly so we are not saving energy back to the grid, and I now have a leak in my roof due to improper installation by the installer. My roof was replaced in XXXX due to hail damage and now has architectural shingles. My roofer came out to inspect my roof for the leak and took pictures of the damage done by XXXX XXXX. He will not touch my roof to repair the damage because it would void the responsibility of the installer. 

On XX/XX/XXXX I received a letter in the mail that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is now bankrupt. I am left paying a loan for a solar package that was misrepresented from the beginning, equipment that is faulty and can no longer be serviced by the installer, and snap issues that are tied up in a lawsuit between XXXX XXXX and XXXX. On XX/XX/XXXX I was told by a XXXX representative that the solar panels installed by XXXX XXXX are not compatible with their system and that is why the snaps are not functioning properly. 

XXXX XXXX XXXX, XXXX misrepresented their product, lied about so called cash rebates to be applied back against the loan, and installed product not compatible with XXXX XXXX XXXX. I am left paying on a {$57000.00} solar loan for equipment that is faulty and was misreprestented at the time it was sold to me and is in violation of contract.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Good afternoon so I bought a XXXX XXXX XXXX  in XXXX. I was doing great but in XXXX I ended up getting a divorce and situations started changing. In XXXX I had to have my transmission rebuilt because it was going out XXXX paid for it as XXXX was still under warranty. In XXXX of XXXXthe car acted up through every code so I took it to the dealer but they said since it was at XXXX miles it was out of the power train warranty. I had paid for an extended warranty but was told to agree to pay XXXX out of pocket if the extended warranty didn't cover the new engine I needed. This is my soul sorce to work ect. When I talked to usaa about XXXX  financial hardships the fact that my ride to work wasn't running they told me to catch the payment up 100 percent or it would be repossessed. At rhis point I had ended up putting an entire engine in it. It's still not working and with usaa not being understanding or helpfull the wrote off the car. Wich has put me at risk of loosing my rank my full time job and I still don't have a running vehicle. Please if you can assist I could use the help.
Consumer complaint received 2024-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On or about XXXX XXXX I sent a letter to Wells Fargo Bank that I had been scammed, of approximately {$130000.00}. Dollars. And that I had wired the funds using their services. As of today XXXX XXXX I have not received any response to my petition for assistance, I have submitted attention to their complaint department to no avail. It appears to me they have chosen to ignore my pleadings.Since XXXX of XXXX Wells Fargo has closed my account. Your time and consideration in this matter is greatly appreciated. 
Thank you sincerely XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

I'm victkm of identity theft Disputes # XXXX ; ; {$250.00} Disputes # XXXX ; ; {$2000.00} Disputes # XXXX ; ; ; {$1100.00} All unauthorized transactions need to with proof of my authorization on account to other merchants XXXX XXXX XXXX XXXX