davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (TX)

MY COMPLAINT I got my car repossessed while I was with my family in Oregon. She was told she has until this Friday, XXXX XX/XX/2018 to pay a total of {$1700.00}. My grandfather committed to give her {$900.00}. The best way we could figure to do that was for us to login to the Santander payment website and make a payment by electronic check. We made the {$900.00} payment by electronic check from my grandfathers credit union in XXXX, Oregon. His account information shows the payment. My online account shows the payment. But customer service people with Santander will not honor the payment even though they have the money. I dont know what you call this but I call it theft. They have taken our money and they will not honor the transaction we have entered into. They continue to harass me and refuse to release her car for the balance she owes above the {$900.00} that was paid. I have {$850.00} which is the balance they indicate she owes, but they will not take it and release her car. I plan on still making that payment so that I can prove that they are a crooked. 

Santander has multiple complaints with the XXXX XXXX XXXX. Several people have complained that Santander does not release and send their title when they have paid off their loan. XXXX should vet their lenders and not subject their customers to a terrible lender like Santander. Santander has essentially stolen our money and XXXX has facilitated this. 

SANTANDER CONSUMER USA 'S RESPONSE They keep insisting that with their reinstatement policy that they need to see the bank statement showing the amount of money coming out of the account. My grandfather is not comfortable sharing that information when the funds have already been verified and released. On top of it all they stated to me that they do not accept payments from third parties, which is a flat out lie, because I have had a boyfriend maybe several payments for me in the past. In any case if that is the case they do not accept third party payments then they need to refund the {$900.00} that was paid to them to go towards my principle, instead they told me they CAN NOT refund the amount and they WILL NOT apply that towards the reinstatement process. Over the course of the 30 min phone call the man on the phone continued to get more and more volatile with me stating I can get the vehicle back if I pay XXXX with my debit card. My issue is I paid {$900.00} so the remaining balance is XXXX
Consumer complaint received 2018-12-04
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: EQUIFAX, INC. (OK)

My dad has the same name as I do, in my credit report is showing that I owed a vehicle that is not in my name or my social security number. That account is hurting my credit because I can not apply for a mortgage loan or any type of loan due to that improper information in my account.
Consumer complaint received 2017-12-21
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. (OK)

I am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification Equifax and Experian and TransUnion claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.
Consumer complaint received 2021-05-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (NJ)

I tried the resolve issue with the company as well as CFPB but seems like CFPB is also associated with Wells Fargo becoz they close the case without even taking to me they didnt reply my message or calls or emails. So I guess this CFPB stuff is also a scam. Becoz XXXX XXXX dont respond to my emails or calls so I guess its a big scam with all of them in favor of Wells Fargo as they are working for them.
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

hey my name is XXXX XXXX paypal closed my account is not keeps sending my my remanding balance to the wrong address and refuse to send it to my primary address and wont allow my to up date my debit infomarmation please help.my email is XXXX XXXX
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

Dear XXXX 
I have paid my monthly bill every month due to corona, doctors app. etc. 
I have not received from niissan statements, email or other ... ... ... ... 
I need this lease. Please help.They are not easy to work with, very short, just in for the money not the customer.
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (OR)

RE : Violation of the federal government 's Expedited Funds Availability Act.

**This complaint is about Simple Bank incorrectly treating federally backed money orders and personal checks equally, instead of treating federal backed money orders as a cash deposit like other merchants and banks currently do** ***************************************************************************************************** 1 ) QUESTION : Please state exactly what date XXXX Bank received the {$290.00} in funds from the US government from a federal cash money order deposited ( not a personal check but a federal money order which should be treated the same as cash ) on XXXX XXXX, XXXX. None ( {$0.00} ) of the funds were available until 16 days later XXXX XXXX XXXX, XXXX ). Again, what date exactly did XXXX Bank receive the {$290.00} in funds from the deposited federal cash money order? 
***************************************************************************************************** 2 ) QUESTION : Then state clearly how many days passed after Simple Bank received the funds from the federal government before the hold was released. 
***************************************************************************************************** *Note : The Funds Availability Disclosure of the XXXX XXXX Simple Deposit Account Agreement does not include federally backed money orders which are treated the same as cash by merchants and banks. 

*Note : Simple Bank does not allow for deposits though their ATM network and does not have any physical branches, so XXXX Bank XXXX make allowances for Federal Backed money orders to be treated differently ( same as cash ) than a personal check. 

XXXX THANK YOU FOR ANSWERING THE 2 QUESTIONS WITH THE DATES/DAYS AS REQUESTED *****************************************************************************************************
Consumer complaint received 2020-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to Experian, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2018 Wells Fargo sent me two letters informing me that they are closing my two business checking accounts. They did not provide a reason. One of these accounts has been with Wells Fargo for 20 years. I called Wells Fargo asking why they are closing my accounts, and they said they would not disclose why. Both accounts are in good standing, and I can not think of any reason they would close these accounts. I have multiple other accounts tied to these - both to receive income and pay bills. It is causing a significant disruption to my business.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC (CA)

In accordance with the fair credit reporting act. this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC is 1666B a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (MA)

Tried to purchase a XXXX  XXXX XXXX on XXXX. It was pad by PayPal. The purpose was {$96.00} then {$300.00} came out of her account. The credit card transaction was PayPal XXXX. PayPal said they have no record of this transaction.
Consumer complaint received 2018-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX Capital One XXXX XXXX Coaf ( Capital One Auto Finance ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.
Consumer complaint received 2018-07-26
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.
Consumer complaint received 2020-11-04
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: Radius Global Solutions LLC (MI)

I received a notification that I had an collection on my credit report. Upon looking I noticed that I had fraudulent inquiries and a collection from Radiusglobal opened up in XXXX for XXXXXXXX XXXX XXXX I also have been trying for over a year for transunion to remove XXXX  off of my report. XXXX and XXXX also have accounts that don't belong to me.
Consumer complaint received 2018-07-26
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. (GA)

I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX   : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX : XXXX XXXX : XXXX XXXX Equifax : XXXX : XXXX XXXX  : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX? XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (NY)

Theres present accounts reflecting as open that Are not suppose to be on my account. Creditor insured it would be taken off. It is still reflecting negatively on my credit and should not be there and is also listed as an open revolving account. I have no knowledge of this. I did not approve this.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-05
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. (IL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed several accounts that reports errors in my credit report with XXXX, Transunion and XXXX. All I want is for them to remove it completely from my credit report and establish my credit to have a better financial status. It has been seven months but they did nothing! I am very distressed and I hope you can help me to have them fix this issue. 

First Letter was XX/XX/2020 the second letter was on XX/XX/2020 the Third letter was XX/XX/2020 and the last letter was XX/XX/2020.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

After reviewing my credit report I noticed that an account with target cred/Td bank was added to my credit report I have never authorized a credit card to be opened with this company nor have a I have anyone permission to open an account. This account is fraudulent and I am a victim of identity theft.
Consumer complaint received 2020-10-23
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE 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 INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2018-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

We are issuing this complaint about Freedom Mortgage, loan XXXX. After job loss of seven months, we had to move out of state to find employment. Upon the move, we could not pay for two residences so began loan mitigation process with Freedom. It was five months before we could list the house for sale because of Freedom 's delay on the mitigation process. It has been two months since an offer was made on the house, but we can't close due to delay on part of Freedom Mortgage.

We have obtained and provided each document requested by Freedom ; some, multiple times. As of today, documents are still under review by Freedom and the HUD appraisal has expired. We were told over 10 days ago that Freedom sent a variance to HUD for extension of the appraisal - this needs to be approved before the house sale can be approved. The appraisal would not have expired had Freedom given this timely service.

The buyers ' closing date was three weeks ago and they are ready to walk away because Freedom has no date in sight for approval of the sale. We are hearing from the real estate agents that the buyers plan to pull out of the sale because of the delay. Our realtor will not list the house again, considering it " unsellable '' due to working with Freedom Mortgage.

We have record of 20+ calls and emails to Freedom Mortgage, with agent name/number and supervisor name/extension. I can provide this information to you. We receive incomplete and incorrect information, and no follow-through from assigned agents or supervisor.

We understand the negative marks on our credit are due to not paying on the loan ; however, we believe the past few months ' negativity should not have occurred. We have done everything required/requested in a timely manner but are being penalized by Freedom 's lack of attention.

Thank you for your review of our situation.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX I contact Huntington Bank about payment for home and auto insurance with Huntington Back. which was due on XX/XX/XXXX, I was told that it was return, because I did n't have enough fund in my  account. I inform her that I had sign up with Huntington Bank Debit Overdraft Service. she said that the bank has discretion and I said I know, this is my first time. she put me on hold to talk to someone else. she came back and said it because I was a new customer. I told her that it was't mention when I sign up for ODP. prior to this incident I ask a teller about the 24 hour grace period that they advertise on the TV ad. I was told by the employee, that the bank has discretion. I told him that the TV ad did't mention about discretion.