davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-20
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. (MD)

I had an auto loan with Santander Consumer USA. I was a few weeks behind in my payment. I was never notified, or given an opportunity to pay anything at all. One morning while driving to work a tow truck driver hired by Santander rammed the side of my car and pushed me off the road. The driver literally hit me while I was driving. I had a coworker I had just picked up with me. She was very frightened for her safety. We were both scared, and emotional. Fortunately my coworker was able to record some of the assault with her camera phone. The driver would not identify himself, only saying, Im collecting for Santander. We were left on the side of the road. No contact info for Santander was given. I can not believe XXXX XXXX would participate in such brutish actions. I will be seeking legal action. Right now I want a record of the incident public, and I want the illegal debt removed from all three of my credit bureaus.
Consumer complaint received 2021-09-05
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: Experian Information Solutions Inc. (IA)

To Whom It May Concern Without my consent or knowledge my credit report from all three bureaus was pulled as a hard inquiry by a company known as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. My personal statement on my credit reports clearly states that I am a victim of identity theft and I am to be personally contacted before any credit report is pulled on my behalf. My credit has had a credit freeze to not allow for this type of transaction. This is clearly fraud, as I never made contact with this organization for any purpose of any kind.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (WA)

XXXX Card will not allow sign ups from XXXX ( .ca ) e-mail addresses This amounts to discrimination based on country or origin. Changing my XXXX ID is not a reasonable option because so many other things are based on this ID.
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I recently found an inquiry from Toyota dealership that ran my credit! I verbally asked them not to run my credit because of the fact that I did not want a hard inquiry and obviously have my points go down! Nevertheless they went ahead without my permission and still ran my credit without my permission
Consumer complaint received 2019-08-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: GOLDMAN SACHS BANK USA (NY)

I opened a year long cd with Marcus from Goldman Sachs, one of several. When a CD matured the month prior, I received an email from Marcus 30 days in advance warning me that it would renew so I called and closed it as I always do. When a CD with a large amount of money was set to mature at the end of XX/XX/XXXX I did not receive a warning email. Instead, on XX/XX/XXXX, I received an email congratulating me on renewing the account. I called to complain and was informed that I had missed my 10-day grace period ( the account had renewed on the maturity date-XX/XX/XXXX- but Marcus waited until 3 days after the grace period to inform me about the renewal ). I said I had never received an email that the cd was set to mature as I had in the past and the agent claimed it had been mailed to me, even though my settings were for notifications by email. The agent refused to budge and told me to close the account would incur a more than XXXX dollar penalty fee. I have no record of receiving the maturity notification letter, but it shouldnt have been sent to me by post regardless.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (FL)

GM Financial 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart.

ever since the inception of the loan GM has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to GM 's representatives at XXXX i was told that GM for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. 

consequently, my credit reflects two late payments caused by GM Financial 's error to maintain a reliable and accurate automatic payment method.
Consumer complaint received 2019-08-13
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Since XX/XX/2019 I have received countless spam and harassing calls from Portfolio Recovery. Theyve called me with fake numbers using my area code, leaving voicemails with loud clicks/hangups, leaving messages that I will be federally prosecuted if I dont make a payment, and so forth. 

Before, it was to the point where they would call 3 or more times a day before, during and after XXXX. As of now theyre spam calling me Tuesdays, Wednesdays, Fridays, Saturdays, and occasionally some Sundays. 

Every few days I have to temporarily deactivate my voicemail to put a stop to this nonsense from Portfolio Recovery. 

In total Ive had to block about 300+ of Portfolio Recovery fake numbers. 

I dont know who these people are as theyve never left a detailed description of what debt I owe, an account number, or the company theyre representing on behalf of the debt.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from XXXX, XXXX and Equifax. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.
Consumer complaint received 2021-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/21 Filed a dispute with the credit bureau for an un-verified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 
XX/XX/21 Filed a second dispute with the credit bureau for an unverified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 

I have not received a response from the Bureau. I would like a response as soon as possible as it has been over 30 days and the un-verified continues to tarnish my credit worthiness. It is fraudulent and not my account.
Consumer complaint received 2019-11-16
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I had a IRS tax lien placed on me XXXX/XXXX/XXXX. I paid it off and the lien was released XXXX/XXXX/XXXX. Therefore, I have no balance and the negative report should disappear. I requested the change by XXXX and Equifax. They made no changes and claimed their data was correct. XXXX XXXX removed the negative report when I requested it.
Consumer complaint received 2017-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

On XXXX out of my XXXX student loans with navient I made a lump sum payment to pay off the entire loan. I was able to settle of approximately {$5000.00} less than what I owed but paid in full. The amount that I paid was still more than the original loan taken out due to high interest rates. During the settlement navient stated that this would show paid in full on my credit report and not hurt my credit score. I have never missed a payment and all other accounts are in good standing. But this shows as a potentially negative item because is states paid in settlement and in the comments states paid in full for less than full balance. They added the less than full balance which is causing the negative item. Because of this I have been denied for a couple of things including XXXX who I am trying to consolidate my loans with.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Today on XX/XX/24, I was supposed to close on a house. I transferred money over to one account two days ago so I would have the settlement statement amount available in one account ( cash settlement, with no financing ). 

Today, when I went to wire the money to the title company, I discovered that there was a {$500000.00} limit per wire transfer. I called a bank branch, Truist, to ascertain whether such limit applied to wire transfers initiated in the bank branch. They said it did not. 

So I went into my local Truist Bank branch at XXXX XXXX XXXX XXXX XXXX, Texas XXXX . I was told that the only person that do a wire transfer was the XXXX XXXX XXXX XXXX XXXX, and that he was with another client for the next hour. I explained that this was for the purchase of a home on the XXXX XXXX and I did not feel comfortable waiting an hour for him to initiate the transfer, given the time consideratons. I was told I should go to another branch. 

So that is what I did the closest branch on the way to my kids ' school for pick-up, at XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX I was told that only the branch manager could authorize the wire transfer and he was gone for the day. 

I then tried to withdraw the funds from my bank account for cash or a cashier 's check, and I was told that the " system was down '' and I was welcome to wait, but that regardless, they would close at XXXX XXXX. 

So I waited for about 20 minutes and asked repeatedly about what the status of the sysem reboot was and I was given conflicting messages. It became clear to me that there was no real expectation that the system would become available and I would be able to access my accounts before the bank closed, as the cashiers began counting their money in their tills. 

I left at XXXX when I was asked to leave. To be clear, I was unable to access monies that had been deposited in my account for several days, after trying 4 different ways to withdraw them- online, 2 wire transfers at 2 different bank branches and the through a cash withdrawal with the teller. 

It may have cost me our dream home. 

This is unacceptable and if the government doesn't regulate banks, then they will keep on taking advantage of customers because there are no consequences for them. I would have thought that having $ XXXX parked in cash in an account that does not pay interest would be sufficient motivation to provide the basic level of service, but apparently that is not the world we live in anymore. 

Please do something.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (NJ)

I have been locked out of my Binance.US Account which prevented me from taking out money or trading cryptocurrency from XX/XX/2021 until about XX/XX/XXXX. In which I sent at least between five and 10 emails to the companys customer service department which day replied we have your ticket number please dont email us I reached out to every member on XXXX that works for by biNance.US And finally my account got restored after two days I got shut down again and I can no longer take out money nor take out cryptocurrency from XXXX XXXX.
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (GA)

My federally protected consumers rights were violated because Experian furnished false information without my written consent. I never gave Experian any written instructions to furnish anything on my consumers report. No consent is Identity Theft and infringement on my consumers right to privacy. Based off Experian violating my consumers rights, I am unable to apply for any Consumer credit for my XXXX as well as my XXXX. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I have been humiliated as well as dealing with XXXX and stress because of these results. Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) which state : XXXX a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Experian is in violation of 15 USC 168XXXX. ( a ) ( 4 ) which state : ( a ) Accuracy And Fairness Of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CO)

Hello, Typically I use the company XXXX in order to file my taxes each year. XXXX has always been very easy to use, and logs my data which makes life a lot easier, except for this year. 

As a new feature, XXXX offers a service in which you choose to open a checking account with the company Credit Karma and deposit your refund into said account, you essentially don't have to pay any fees.

My tax return finally came in, and Credit Karma was supposed to send me a debit card to access the funds. Either they never sent said card, or it was lost in the mail. 

This shouldn't be an issue, because they offer a transfer service via the platform " plaid '' on their website, however, when I go to transfer funds, plaid recognizes my bank, logs me in to my bank account, then says my account doesn't exist. I have verified both the routing number and account number through my bank ( XXXX XXXX XXXX in Colorado if that matters ) Because of this issue, I contacted Credit Karma 's customer service. It quickly became apparent that they outsource all of their calls to a third party company that has no clue how to operate Credit Karma 's system, yet alone maintain a basic grasp on the English language. Not only was the representative absolutely inattentive to my issues, I literally had to repeat what the issue was over and over and over. 

After a long and painful conversation that ultimately produced zero results, I asked to have a new card sent and to be expedited. They sent a new card ( supposedly, I haven't seen it yet ) but denied my request to expedite even though it was their fault I never received a debit card in the first place. 

I have reached out to my bank, and was informed that all Credit Karma has to do is issue a wire transfer into my account, yet instead of doing the right thing, they have proceeded to harass me with " follow up '' emails asking me to rate the quality of service, and when I reply that they haven't even resolved the issue, I get snapped back to the beginning of a spiral of repeating my issue over and over, asking for a solution, and then getting told the exact same thing over and over, instead of any resolution to my issue. 

What was sold to me as being a " quick and painless '' process has become exactly the opposite. I just want to access my tax refund. 

NEVER USE CREDIT KARMA FOR ANYTHING.
Consumer complaint received 2019-08-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (AZ)

CONVERGENT OUTSOURCING, INC. continues to try to collect on two accounts that were discharged under my Chapter XXXX bankruptcy. The credit bureaus continue to remove these debts and somehow CONVERGENT OUTSOURCING, INC. is able to report them again. I have had to contact the credit bureaus on 4 separate occasions to remove these debts. Further, CONVERGENT OUTSOURCING, INC. continues to attempt to call me, including calling my place of business, as well as sending weekly letters to me.
Consumer complaint received 2021-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

I submitted documentation from XXXX that I submitted to be included with my original dispute and was told it would take another 30 days for another investigation that XXXX would have to contact the court even though I have proof of the removal of my dispute. I received no confirmation number.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have reached out to Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2020-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TX)

My Venmo account got hold since 180 days ago, I had file a complaint with CFPB and receive feedback from Venmo saying that the funds in my Venmo account it's holding for 180 days and to minimize the risk of loss due to chargebacks, disputes or reversals. and any remaining funds will be made available to me for withdrawal on or before XX/XX/2020. But I'm still unable to withdrawal on XX/XX/2020. So I had email Venmo again on my own, but they told me different things and say that Venmo will not be able to release those funds to you. I had attached a file about what escalations officers email me saying my funds will be available in XXXX under this email for the proof and an email from Venmo on XX/XX/2020, saying that Venmo will not be able to release those funds to me. please review it thanks.
Consumer complaint received 2019-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NH)

I have tried numerous times to have erroneous accounts from XXXX XXXX XXXX for XXXX dollars, from my account. I have disputed this account with every other credit reporting agency, and every other agency has removed this account from the report. I have stated time, and time again that I have no knowledge of this account ; never received communication from this account ; and have no idea where this {$120.00} amount came from. Each time I submit a dispute, Equifax comes back and says " this account has been validated to belong to you ''. Furthermore, when I try and log into the dispute results, I get error messages saying they need more information to verify me. Yet when I call the number, I can't get through. With everything this company has put people through, I find it completely disgusting that they refuse to remove an erroneous account, when every other credit reporting agency has done so. I want this account removed and I want explanation from Equifax as to why it's so difficult to get any resolution from this company.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (IN)

This company is using unfair business tactics and reporting erroneous information to my credit report. I opened my Destiny Mastercard account with them around XX/XX/2021. I never received a bill from them therefore had XXXX payment information. I was made aware of the past due balance when I got an alert on my credit that it was 30 days or more past due. I immediately called them and paid my account current. I feel that them reporting this late to my credit is wrong because I never was afforded the opportunity to fix the mistake whether it was mine or theirs. I attempted to compromise with them but never received a call back. I have another account with this company and have always paid more than my minimum and paid it very early I think my account behavior speaks for itself.
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Im writing to you because i noticed you are reporting a violation on my credit report. Please get this matter handled based on my instructions below This collection is reporting a past due and needs to be removed from my credit for violation. 
Please remove it from my credit report. 
And capital one I never had account with them