davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (SC)

On XX/XX/2015 I was ecstatic to be getting my first car. I had doubts because my credit score was awful, but I figured my {$1300.00} down and {$1000.00} trade it would get me what I wanted. It didn't. I wasnt approved. The company told me that adding my mom as a Co signer, even though she was XXXX and getting a small monthly check might help. We tried adding her and it worked, but the rate was awful {$330.00} a month, but they pretty much intimidated me and took advantage. They knew I wanted and needed a car. Recently the car company Santander has been in a class action lawsuit. They have settled for {$550.00} million dollars, yet they want to pay us victims {$240.00}. I have not gotten a notice yet, but I have too be in this lawsuit settle. I was affected. I still owe more on the car a before. I have no relief options. I have been forced to extend the loan so my car would not be repossed many times because thats all I was offered. Its not fair and Santander needs to pay and more that $ 200+ dollars to me, to anyone that bought a car from them and have been struggling for long as I have
Consumer complaint received 2017-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems (NC)

My complaint is against Financial Data System. They keep reappearing on my Credit report and I do not owe any hospital bills. I have been XXXX since XX/2017 and also receive XXXX. I have never received validation of any debt and nothing that was signed off from original creditor. I do n't know if this was billed incorrectly, but I have XXXX and all my bills are covered. This company find a way to keep popping up on my credit report after being removed several times which is illegal. Once a collection has been removed off your credit report it is illegal for all credit bureau to allow them to be put back on. XXXX cover all my doctor visits, lab and any other test. I do not owe this bill it needs to be sent to XXXX.
Consumer complaint received 2021-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

XX/XX/2020, I made a skeptical purchase from a company selling XXXX XXXX for {$240.00}. This website was apart of PayPals Buyers Protection.

After two months of not receiving the product, PayPal reached out to the company. The same day of submitting a claim with PayPal, the company marked the item as delivered that had been showing in transit for weeks on end. PayPal told me they could not do anything about my situation. 

Under PayPal, the company name reads, XXXX XXXX. 

Neither did I receive the product, but I am out of {$240.00}. I ended up buying a XXXX from XXXX.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper took over my mortgage from Seterus Inc., who applied an escrow payment of {$740.00} to unpaid principal balance. Mr. Cooper took the following actions : {$680.00} of the {$740.00} was reversed and reapplied to the escrow account with an effective date of XXXX, the additional {$61.00} was applied to a late fee by Seterus Inc. I had previously filed for bankruptcy protection which was discharged before the above action was taken. In fact Seterus ' note on a statement specifically indicated the {$61.00} late fee was discharged due to the bankruptcy. Before Seterus sold and transferred the company, they took the {$61.00} late fee and never returned or credited the account, thus, illegally keeping the funds in a sense stealing from my account. I contacted the new servicer, Mr. Cooper, who claims there is nothing they can do. My mortgage was serviced by Seterus and they stole the funds before turning over the account. I have provided all supporting documents to Mr. Cooper via email.
Consumer complaint received 2021-07-02
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: EQUIFAX, INC. (CT)

On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX  is currently listing several FALSE late payments along with notations like " late 60 days '' and late 90 days, while this information is inaccurate and to no fault of my own, due to problems with my ongoing Financial Hardship. During XXXX I was struggling to make my mortgage payments, so I was instructed by FHA to contact XXXX XXXX  for help / assistance. I depended upon XXXX XXXX  to provide me with assistance, not to add to my already Stressful life, by reporting NEGATIVE information to the credit bureaus. I did not discover the late payments until I applied for a loan to try to get caught up on my payments. And when I attempted to contact XXXX XXXX  several times about my account there was never any answer, just an automated recording that stated my call was being placed in a queue and someone would follow up. I NEVER received any courtesy call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Further, when I did finally speak with someone, I was assured that my account would not be reported to any credit bureau agencies while the account was under a financial hardship, and they did just the opposite. I have made several attempts to get these NEGATIVE inquiries corrected, and have had no success in doing so. XXXX XXXX  continues to state that these inaccuracies are accurate, but they are not!! My account was in a XXXX forbearance, and when the XXXX forbearance ended, the account went back into forbearance. While the account was in forbearance, I received assistance from the XXXX  XXXX XXXX, who made payments on my account, which should have kept my account in a Positive status. After, the forbearance ended I was put on a REPAYMENT PLAN, where I was to make THREE consecutive payments before my account was to be considered for a PARTIAL CLAIM. I immediately started making the monthly payments as required, but because the first payment under the REPAYMENT PLAN was not made on the 1st of the month, ( but was paid before the end of the month and moreover, before 30 days of the next month ), it kicked me off of the REPAYMENT PLAN, and automatically went into " LATE '' status. However, NO ONE from XXXX XXXX  EXPLAINED THE REPAYMENT PLAN PROCESS TO ME, nor DID ANYONE contact me DURING THIS TIME TO NOTIFY ME THAT MY ACCOUNT HAD BEEN TAKEN OFF OF THE REPAYMENT PLAN. I CALLED XXXX XXXX  ABOUT AN UNRELATED ISSUE, AND AT THIS TIME IT WAS BROUGHT TO MY ATTENTION! 

At that time the representative told me to continue making payments, and if the account was reported to the credit bureaus, then file a dispute to have the negative reporting removed. I followed every step that they told me to do during the XXXX XXXX hardship process. 

Further, it wasn't until XXXX XXXX  changed their system, that my account become further screwed up. I have said this multiple times in several letters and emails.
Consumer complaint received 2023-01-12
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: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2022 I, the consumer and natural person, was denied credit by American Express when I applied for XXXX XXXX American Express Card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the response I received. American Express is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of American Express according to law.
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

In XXXX I submitted a complaint against the company for still reporting and attempting to collect in this Debt for acct # XXXX. I asked they remove the account from my credit report based the MultiState Settlement Agreement that was finalized in XXXX. The State of Florida was awarded XXXX for unfair lending practices. I contacted Santander 3 times in XXXX and was referred to the Special Accounts department. Per a woman named XXXX. She was not aware of this Settlement. On the Settlement agreement website it list XXXX XXXX as the administrator. I contacted XXXX XXXX and was advised to wait for a postcard if I was to be included in the settlement. Santander was lending based on an Internal scoring according to the lawsuit. If I was a recipient then I would receive a postcard. I have received my postcard stating that I will be awarded restitution. I called Santander as advised once I received my letter or postcard and the special department would request that the trade line be removed from all of my credit reports. I have been wronged by Santander Consumer USA for far too long. Please do your part and remove these negative entries from my credit report forthwith! I have suffered enough from your unlawful handling of my loan.
Consumer complaint received 2020-11-28
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
On XX/XX/2023, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt.
Consumer complaint received 2021-04-01
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. (CA)

I have been trying to dispute a Public Record entry on my credit report with TransUnion since XXXX of XXXX. I have submitted multiple disputes but TransUnion does not provide consumers a way to upload documentation for all disputes. I also called TransUnion multiple times asking for guidance on how to upload documents and analysts told me they don't know the website and could not help me. After numerous tries I found that TransUnion only allows documentation upload for " Account '' disputes. From XXXX to current I'm submitted approximately 8 disputes regarding the same matter. I also called Transunion over a dozen times. Due to hold times TransUnion has a feature where a consumer can request a call back. Unfortunately the call back system is broken and will NEVER accept the number entered. Consumers are forced to sit and hold in order to speak with a TransUnion rep. 

Each time TransUnion rejecting my claim due to lack of information. 
On XX/XX/XXXX I opened an " Account '' dispute and included the Public Record. I uploaded documentation showing the entry in question was removed by both XXXX and XXXX. On XX/XX/XXXX XXXX portal did not show my dispute as pending. I opened the dispute again uploading the same documentation. Transunion extended my dispute due to " additional documentation '' ( files on XX/XX/XXXX ) which were actually the documents I provided on XX/XX/XXXX. TransUnion extended the resolution date to XX/XX/XXXX due to the updated files. At the end of XXXX I received a notice from TransUnion stating my dispute was being extended to XX/XX/XXXX. On XX/XX/XXXX I called to inquire status of my dispute and was told my dispute was closed and the documentation I provided ( Court Case Summary, Dispute and Resolution from both XXXX and XXXX  ) were inaccurate. I told that TransUnion would not use them as they couldn't validate the documents. I was also told the court " validated '' the public entry. I ask for documentation in writing from TransUnions stating the validating party details and was told TransUnion doesn't do that.
Consumer complaint received 2020-05-27
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: EQUIFAX, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (TX)

The account was open in 2014. I am not sure who open an account, but it is reported and I am having trouble opening any account. I call the back to see if I had an account with them, but they said they do not have any record of me having an account with them. It report the account was pay in full and it was close for account abuse. 
Also the address they have on file is the address my sister use to resign as a resident not me.
Consumer complaint received 2022-08-12
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: TD BANK US HOLDING COMPANY (NC)

On or about XX/XX/XXXX a fraudulent Target account reported to my XXXX credit report. I notified local authorities and filed a police report. I reached out to both Target as well as XXXX multiple times in-regards to this matter and provided the official police report. They have neglected to correct this issue. My most recent attempt to resolve the issue with both Target and XXXX was XX/XX/XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

XXXX mortgage company is refusing to sign documents in an effort to get assistance for my mortgage. I receive assistance through XXXX in which I was granted assistance. XXXX has denied me access to receive this assistance. My case manager is XXXX XXXX who has not returned my phone calls. His number is XXXX. We are in dying need of assistance and this company is refusing to grant us the assistance.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NJ)

wed the XX/XX/XXXXi go to use my card the chip clearly is not working as 2 stores cant get it thru wasting my time. this is card ending XXXX i get rid of card and after waiting on hold way too long order a new one.i then notice online its not showing i called today just now this is MY TIME. all this due to bank problems as this was not my first card with chip issues. i call today and XXXX spent time looking at my XXXX XXXX  card not my XXXX. as i requested and entered into the ssytem i want a new account i want not to waste my time this fiasco has wasted my time please check i have a new card and its expedited and no more chip issues sorry to use this system but my time matters even if the bank does not agree or care no calls please just reissue my card without costing me more time and XXXX due to your problems. you want your money every month but dont see my time as valuable as such i will use this card minimally due to time its cost me and lack of trust
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

On the night of XX/XX/XXXX, I was out XXXX  in XXXX, XXXX. I ended up getting XXXX and my phone being stolen and accessed. I was XXXX for about XXXX hours and XXXX for a whole day. 

On XX/XX/XXXX, while I was XXXX the thieves managed to access my phone and " authorize '' a wire transfer of {$5000.00} from my Chase account that went through successfully. There was also other transactions via XXXX that totaled to another + {$5000.00} that was deemed suspicious by Chase and therefore blocked. ( I no longer have transaction history of these blocked transactions due to disconnecting the associated phone number for the XXXX account. ) Since then I have sent documentation ( police report ) on XX/XX/XXXX which they claimed they have not received. I resent the police report on XX/XX/XXXX and did not get any updates until I called today XX/XX/XXXX. 

When I called on XX/XX/XXXX, they informed me that my fraudulent claim was indeed an authorized transaction despite not being XXXX  during the the transaction and my phone being stolen. How come the wire transfer is authorized but the other amounts were suspicious and denied? 

Also I would like to highlight Chase ' Zero Liability Protection Zero Liability Protection Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.
Consumer complaint received 2017-12-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC. (FL)

When I called Ally, the company holding my CD, I was interrogated to establish my identity.  But the questions varied from the usual.  After ginving my mother's maiden name, and all the other usual identifiers, I was asked to identify "XXXX"  something or other.  When I responded that I had no idea what they were talking about, they demanded my social security number, to which I told them I only gave to medical or social security employees.  We had a brief exchange where I gave theme the legal reasons why they could not use my number for their purposes, and suggested they use the same questions the other eight financial institutions used with my accounts: either my birthdate, or the Ally account numbers they had given my account.  I was told no.  UnlessI gave them my number they would not respond in any manner.  Although I had calledoriginally to verify that my instructions regarding federal withholding were being followed,this made me extremely suspicious.  Especially since I had become acquainted with Allyonly through their primary business:  aurto financing at dealerships, with no local addfressat all. I told them that their lack of cooperation required me to close the account and getan immediate refund of funds to put into another bank. They laughed.
Consumer complaint received 2020-05-27
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. (SC)

XXXX XXXX submitted an update to remove the negative reporting for XXXX and XXXX from my credit report with Experian. This isnt showing with the other credit bureaus. Its still hasnt been changed. I also submitted letters from XXXX XXXX through an online investigation 3 times but my report is coming back that no change has been made. This is impacting me getting finance for an home equity loan. I have called once a week over the last three weeks and they stated that have not received my documentation that I uploaded online. I have an consumer account with Experian.