davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (DE)

I have contacted Santander Consumer several times regarding my loan. 3-4 times in XX/XX/XXXX and two times in XX/XX/XXXX. 
My loan came to maturity in XX/XX/XXXX. I contacted them to see if I could continue paying my monthly payments or even doubling up each month, so I can get the amount paid off quicker. 
The amount left over, is XXXX. I have been paying on this loan since XXXX. I asked them to look into my account, because I do not understand why the amount is so high. 
the manger I spoke to XXXX, stated that the amount is correct and that is what I owe. 
He said they will not work with me to continue paying by month. They will continue to hit my credit each month until the entire {$6700.00} is paid and it could be in risk of repossession. I have been paying on this loan since XXXX, and now it's at risk for repossession even though I have made my payments on time. 
I think they have made mistakes in my account and I believe I'm being taken advantage of. They will not even work with me. You would think, with eveything going on in the world during this pandemic, they would work with their customers. 
I need a resolution with a payment plan, I am willing to pay every month and even double up on the payments. 
XXXX XXXX
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (FL)

Predatory Lending Practices by InstaLoan Over the last year and a half, I have had a title loan outstanding with InstaLoan of XXXX XXXX XXXX, FL. I have since paid over {$3000.00} towards the principle interest and monthly fees in order to keep the loan " current ''. The original loan amount financed was for {$2500.00}. The terms of the loan have made it increasingly difficult to pay it off in full as required which is at the end of the month. After making several attempts to talk to the lender they have refused my offer to make smaller payments over the next XXXX  months to payoff the loan and are threatening repossession of my car.
Consumer complaint received 2016-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MD)

There are XXXX student loans and pell grants that someone opened in my name from XXXX XXXX College. I was a victim of identity theft i submitted id affidavit.I never attended XXXX college
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (NJ)

Equifax had a XXXXard inquiry on my credit file on XX/XX/XXXX Hard Inquiry made by XXXX XXXX. This inquiry was not authorized by me and don't remember inquired anything from XXXX. 

Equifax had a XXXX inquiry on my credit file on XX/XX/XXXX Hard Inquiry made by XXXX XXXX. I was misinformed that This inquiry was not going to reflect on my Personal credit report, since it would be under ( XXXX ) Business account it would be a Soft pull on my personal report to verified my identity and hard pull on Business DUN number.
Consumer complaint received 2017-11-17
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: Experian Information Solutions Inc. (MO)

I am filing this complaint against the following credit reporting companies. XXXX XXXX, Experian, and Equifax. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TransUnion Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : Repossession XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX  Finance, personal XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX
Consumer complaint received 2021-07-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: MIDFIRST BANK (TX)

I applied to open an account with XXXX XXXX, a division of Midfirst Bank on XX/XX/2021. The account was approved on XX/XX/XXXX. On XX/XX/XXXX {$100000.00} was withdrawn from my transferring account - XXXXXXXX XXXX. On the evening of XX/XX/XXXX XXXX  sent an email notification of a failed transfer. I have called twice XX/XX/XXXX and XX/XX/XXXX. The first time they said they had no record of the transfer. The second time I was told the bank was closing my account for " business reasons '' and the funds should be transferred back to me by XX/XX/XXXX. XXXX XXXXMidfirst Bank is still holding these funds currently - this is theft. 

Account # : XXXX
Consumer complaint received 2017-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

DEPARTMENT OF EDUCATION/NAVIENT XXXX XXXX XXXX, creditor, Education Loan is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. DEPARTMENT OF EDUCATION/NAVIENT XXXX XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX to resolve this matter.
Consumer complaint received 2017-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

Since XXXX XXXX, I 've received XXXX phone calls from a debt collector named XXXX XXXX. Additionally, they are harassing my wife asking for me. They are looking for someone with the same name as me, but the address and social security number associated with the debt are different from mine. It is also for an XXXX XXXX XXXX service I 've never had, so it is clearly not my debt and I 've informed them of that. When I tell them this information they immediately hang up the phone, but then I get additional phone calls afterwards.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I receive mailed pin and customer ID from chexsystems on XXXX XXXX, When I went online today, XXXX, to unfreeze my file, the pin would not work, when i called them they would not accept my pin and would not lift the freeze on my report
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Security National Financial Corp (TX)

I took out a mortgage on an investment property with Security National Mortgage. They sent my account statements to the wrong address. I had no way to see or pay the mortgage without the statements. I requested that the information be updated but they never changed it. They marked the first two mortgage payments as late and they still show as delinquent on my credit report. However, this was due to their clerical error, not my missed payment. I've requested that the late payment status be removed from my credit report, but they have refused. This was not a problem of my making and I'm simply requesting they fix the issues created by sending my account statements to the wrong address.
Consumer complaint received 2017-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

PNC bank is holding my client 's {$5000.00} in escrow funds even though they have been released by both parties Buyer and Seller. 

Back story : " 1. XXXX XXXX borrowed money from a NY based unscrupulous lender. The lender started legal proceedings against XXXX when the company closed its doors. They then served papers on PNC Bank to put a hold on XXXX funds. They are allowed to do this against XXXX Operating account ( XXXX money ) but not against XXXX Escrow account ( money being held for clients ). 
2. We believe PNC Bank acted improperly by allowing a hold on the Escrow account. Without directly agreeing with us, they have asked us to prove that the Escrow account is truly our clients money. We have provided that info and are awaiting their response. 
3. XXXX has been negotiating with PNC Bank and has made some progress. 
4. The Escrow account in question has over {$40000.00} in it, all of which is not XXXX money and should be released. We have asked that your {$5000.00} be released while this matter is resolved. '' I understand they are freezing the business account of XXXX XXXX, but the escrow account is not their money - these are funds held in trust for clients - and subject to release upon release by both parties.
Consumer complaint received 2022-03-31
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. (PA)

Equifax : needs to fix the issues about the inaccurate information for the personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the personal informations that I am disputing : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2017-11-30
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. (TX)

On XXXX-2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

I filed charging complaint against Chase Bank in Texas of XXXX, Extension XXXX that XXXX XXXX and I both unresolved problem XXXX XXXX PST, so I was unhappy with Chase Bank that Chase Bank Headquarters refused helped me today through telephone. I felt XXXX XXXX made discriminated against me as he or she told me that Chase Bank Headquarters refused helped me with opening bank account related with debit, checking, and Credit card applications. I can not alone with application for these banking services. I complained with XXXX do not interest in helping me with Chase Bank service. I must XXXX file extra charging complaints against XXXX XXXX XXXX made extra-neglected against me with deaf as she/he made her/his hatred against XXXX as i complained on XXXX acted in bad employee at Chase Headquarters as she/he rude against me as tell her/his employer must fired XXXX from job because of bad behavior.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-07-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

To : Trustee XXXX I am stating I sent XXXX XXXX XXXX, XXXX a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and XXXX responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (GA)

CREDENCE RM is selling deceptive information to XXXX and XXXX. This allege debt has not been properly validated as belonging to me and I have received no notice of my right to dispute this debt before it was added to my consumer report. Under FCRA each reporting agency is required to report 100 % accuracy how was this debt account verified when there is not court judgement that makes me liable for this debt.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (DC)

Opened Checking Accts ; @ XX/XX/2022. XXXX XXXX XXXX XXXX  XXXX XXXX account. Both accounts were approved for banking access & had been active since. Deposits, Transactions were being made without issues nor discrepancies. 

Bank sent letter to account holder in late XX/XX/2022 ; regarding address verification and XXXX documents to be presented at local branch banker. Account holder followed through and presented valid documents, state license with official address, social security card, & validated proper procedures as to the requirements made by banking institution. 

Banking institution claimed they sent second letter to account holder advising the same issue ; and if documents weren't submitted, the possibility of account closure would occur. 

Instead, account holder accounts were closed. Banker advised due to XXXX XXXX XXXX. Institution sent XXXXXXXX XXXX Check for the amount of the account balance. Accounts were closed on XX/XX/XXXX, without warning or reasons to which were addressed & managed by bank branch manager, who made it known, that everything was good and verified by account holder, and request had been resolved.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: David B. Schumacher, P.C. (WA)

I had a debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. David B. Schumacher , PC,  Attorney at Law, XXXX , OR handled the debt collection. 
Was NEVER notified or served papers. After receiving garnishment papers from my payroll division where I work I started digging. David B. Schumacher, PC, Attorney at Law falsely stated that I was served to the XXXX XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX WA XXXX and after contacting the owner he told me that in fact they tried to serve him my papers several times and each time he told them I do n't know this person and this person does n't live here. The last time the server showed up he threw the envelope at him and left.This was around XX/XX/XXXX or XX/XX/XXXX he said. 

My complaint is how many other consumers have they falsified information about properly serving and notification violating RCW laws
Consumer complaint received 2021-04-23
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 ()

The company has tried to reset my account password multiple times, even I did not request it. 

I received multiple emails asking for the verification code, I ignore it because I thought it was a Scam. 

The day after the incident, I received emails about my account being temporarily limited. I have provided the details needed. 

After that, they send another email asking for more information, then I provide more information and then I have received it again my account being resetted without me requesting it and then they Permanently limited my account.
Consumer complaint received 2015-10-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

JP Morgan Chase bank, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
XXXX I have a personal account with the above named financial institution. For me to get change for my consumers, I need to have a business account with them and I have to personally go there. ( My XXXX can not go there on behalf of me ). Is that legal? If we have XXXX Dollars and want to change into XXXX dollars, why are these stipulations by these financial institutions? 
Can someone please help me understand. 
Thanks
Consumer complaint received 2016-09-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MINNESOTA LIFE INSURANCE CO., THE (IN)

I was helping a friend with an auto transmission repair at XXXX XXXX they approved my financing at Personal finance here in XXXX Indiana they did not repair the car correctly they filed for bankruptcy I was out over XXXX on the loan personal fince manager said he would make it right I was appaulled they took XXXX off as a write off and all my credit reports show I was XXXX payments late that is totally wrong only had a 12 month loan for this transaction this was very unfair on there part they have had many complaints against them over the years. Thank You XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have had a Citibank XXXX Credit Card since XXXX or so. I have not used it much in the past few years, and recently saw I was paying an {XXXX} annual fee for it. This fee is not worth it to me, and it is the only transaction on my account in the past XXXX  months or longer. 

I called Citi asking to get this fee refunded and the account closed, and was told that I could transfer my card to a lessor credit card with no fee, and I could get the {XXXX} refunded. It was very hard to get a person on the phone took nearly XXXX minutes to do this. 

Well, i got the new card coming, but the agent who I spoke to never bothered to credit me the {XXXX} back and now I am locked out of my account, it is showing as past due and I cant sign back in since I am waiting on the new card. Overall it has been a horrible experience with Citibank and I just want the {XXXX} removed from my account before they send me to collections for a bogus charge.